Seniors Travel Insurance
We can cover you to travel with peace of mind, at any age.
24/7 medical emergency helpline
Up to unlimited medical emergency expenses cover
Up to €10k cover for cancellation
Trusted for 20+ years
What is seniors travel insurance and do you need it?
This is travel insurance built around your needs. As you get older and finally enjoy the time, space and resources to see more of the world or visit your friends and family abroad, travel insurance can be seen as a hurdle.
At JustCover, we can cover you to travel at any age. With the right travel cover, you can have that holiday of your dreams, whether you’re a beach goer, mountain climber or museum lover. This means if anything happens while you’re away, like an emergency trip to the doctor, a slip or fall, you will know you are covered.
Travelling can become more complicated as we get older, but it doesn’t have to. One of the most important factors is making sure that you have comprehensive cover.
- It is common to have multiple or more complex health conditions as we get older, according to Public Health Ireland.
- No one likes to think of something going wrong on their holiday. However, if the worst happens while you’re away, with travel insurance for seniors, you’ll know you're covered.
What does JustCover’s travel insurance for seniors include?
There are a range of add ons and levels of cover you can choose from. This helps keep costs competitive and gets you cover for what you really need.
What's covered
Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures needed to treat an illness or injury while away. You’ll also be covered for repatriation to bring you safely back home to Ireland.
Cancellation – Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Curtailment – Cover if you need to return home early following an emergency.
Travel delay – If your flight is delayed, we’ll compensate you for the time.
Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen.
Personal liability– Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
What's not covered
Claims below the value of the excess.
Trips outside the region of cover.
Known events or circumstances. Claims related to problems that you knew about before booking the trip or buying the travel insurance are not covered.
Medical conditions you don’t declare.
Choosing not to travel. We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions.
Choose the right level of cover
We offer different levels of cover to make your travel insurance as cost-effective as possible.
Black
Gold
Silver
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Find the best seniors travel insurance for your trip
Build your own policy with JustCover. Choose cover levels and add ons that get you the cover you need for your trip:
Annual multi-trip travel insurance
Exploring the world post-retirement? Travel with peace of mind.
Single trip travel insurance
If you're only travelling once this year, make sure you protect your holiday with JustCover.
Medical travel insurance
Travelling with pre-existing medical conditions? Get up to €10 million cover for medical expenses.
Cruise travel insurance
Looking to enjoy your golden years with a fantastic cruise? Unwind on the waves with JustCover.
Travel insurance
Find the right cover for your trips, and travel with peace of mind.
Family travel insurance
Want to enjoy a holiday with the family? JustCover everyone under one policy and relax.
Travel insurance for seniors with pre-existing medical conditions
You must declare all pre-existing conditions before you travel - if you don’t declare them you won’t have comprehensive cover and it may affect any claims you make.
We cover many medical conditions, including:
Ireland's Most Trusted Travel Insurance Provider†
A simple 3-step process to book your seniors travel insurance
Step One
Get your quote online or by phone. Our travel experts are happy to take your call if you want a little support during the quote.
Step Two
Complete our simple medical screening. You need to declare any medical conditions you have.
Step Three
Get your quote.
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Frequently asked questions about seniors travel insurance
What makes JustCover the best travel insurance for seniors?
We’re a specialist medical travel insurance provider. We cover many medical conditions, including the most common in Ireland: heart disease, respiratory disease and strokes.
We don’t have any age limits as part of our medical pre-screening - if you are fit to travel, we can offer you cover.
And we have excellent customer service, with a rating of 4.8/5 on Trustpilot.
Do you need cruise travel insurance for a domestic cruise?
Yes. Even if you’re not leaving the country you will need cruise cover.
How much does travel insurance cost for seniors?
The cost of your travel insurance depends on more than just your age. The final cost takes your personal circumstances, medical history, destination and planned activities into account. We can give you a personalised price any time - just give us a call or request a quote online.
Why is travel insurance more expensive for older people?
The cost of travel insurance is based on risk. Unfortunately, as we get older, our risk of needing treatment while we travel increases. A higher price to account for that risk is common across all travel insurance policies and providers.
What if you have life insurance? Do you still need travel insurance?
Yes - these cover different things.
If you need to cover medical expenses, cancellations, delays or any other unexpected interruptions, travel insurance is best. Your life insurance won’t cover these things.
Do you need seniors insurance with a EHIC card?
Yes you do.
The Department for Foreign Affairs recommends getting travel insurance even with a EHIC card. You should absolutely apply for one if you’re travelling within Europe, but you should also still get travel insurance.
The EHIC card doesn’t cover:
- Destinations outside Europe.
- Your EHIC won’t cover private healthcare. Only state facilities accept the card.
- Repatriation (flying you home from abroad), if medically necessary.
- Things like mountain rescue services if you’re injured in a ski accident, for example.
- Some treatment and prescriptions.
- Personal expenses related to medical disruption, such as delaying your flights or extra nights in a hotel to recuperate.
Can family, friends or carers join the same policy?
Yes they can. We can cover up to ten people on the same policy, even if you don’t live at the same address. Just ask for group or family cover during your quote.
Can seniors get an annual multi-trip policy?
Yes they can. You can get a single or an annual multi-trip policy. If you’re travelling two or more times per year, it may be more cost effective and less hassle to get an annual policy. We can cost your options for you during the quote process.
Is medication covered if it is lost or stolen?
Yes you do.
The Department for Foreign Affairs recommends getting travel insurance even with a EHIC card. You should absolutely apply for one if you’re travelling within Europe, but you should also still get travel insurance.
The EHIC card doesn’t cover:
- Destinations outside Europe.
- Your EHIC won’t cover private healthcare. Only state facilities accept the card.
- Repatriation (flying you home from abroad), if medically necessary.
- Things like mountain rescue services if you’re injured in a ski accident, for example.
- Some treatment and prescriptions.
- Personal expenses related to medical disruption, such as delaying your flights or extra nights in a hotel to recuperate.
Are you covered for cancellation if someone in your group needs to go home early?
Yes, if someone has to go home early the rest of the group can continue. They’re still covered under the policy. They must be named on your policy though for this cover to apply, so make sure you add them as soon as you can.
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Affordable travel insurance for all your needs
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.