What is travel insurance for over 60s?
Travel insurance for over 60s will protect you while you’re away. Whether you need emergency medical help or your bags are lost or stolen, we’ve got your back, wherever you’re heading.
Many providers set age limits on travel insurance. At JustCover, we don’t. We offer senior travel insurance for over 60s and beyond, with cover available at any age.
Over 60s travel insurance includes:
- Up to €10,000 cancellation cover: If something goes wrong unexpectedly and you can no longer go away.
- Protection for emergency medical expenses and repatriation: Our 24/7 emergency medical helpline is there when you need it. Plus, we’ll consider cover for more than 1,300 pre-existing conditions, when many standard providers won’t.
- Help if your things are lost, stolen or damaged: Get protection for your bags, including your medical aids or prescription medication. Or add on extra gadget cover if needed.
We can offer cover whether you’re travelling close to home or far away. From holidays to the UK to see family, to a dream retirement trip across the world. What’s more, we have annual multi-trip cover if you have more than one break planned.
Read our Policy Wording for full details. We have an age limit of 65 on our winter sports cover.
Why do you need over 60s travel insurance?
Travel knowing you're covered. It's that simple. Holiday insurance for over 60s is vital if you want to protect yourself against high hospital bills and more:
- Over 60s are more likely to need emergency medical care on holiday. The ESRI in Ireland states that over 65s “are particularly high users of hospital services, accounting for over 60 per cent of inpatient bed days”. While Ageing In Place Ireland says that “around 30%” of over 65s “will experience at least one fall a year.” Without travel insurance, you’ll have to cover the medical costs yourself.
- “83% of over 65-year-olds are living with at least one medical condition”. According to the Pfizer Health and Science Index in Ireland. While “almost one in three are living with either Heart disease, COPD or Diabetes.” Many standard providers won’t include pre-existing medical conditions. At JustCover, we’ll consider more than 1,300 conditions.
- It’s important you buy the right cover for you. The World Health Organization says: “Travellers are strongly advised to obtain comprehensive travel insurance as a matter of routine and to declare any underlying health conditions to their travel insurers.”
We help you enjoy your holiday, knowing you’ve made the smart choice.
What does JustCover’s over 60s travel insurance cover?
The best travel insurance for over 60s should cover you for a range of things going wrong on holiday. Make sure you understand what is and isn’t included and see our Policy Wording for full details.
What's covered
Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures necessary to treat an illness or injury while abroad. You’ll also be covered for repatriation, making sure you return safely 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.
Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday.
What's not covered
Claims below the value of the excess – This is dependent on your policy level.
Trips outside the region of cover – If you go somewhere not covered in your policy documents.
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 – You need to declare all of your pre-existing medical conditions.
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.
Travelling against medical advice – We can’t cover you if you’ve been told not to go by a doctor or your medical team. We also can’t cover you if you’re travelling to get treatment.
Over 60s travel insurance for pre-existing medical conditions
As a specialist medical provider, we’ll consider more than 1,300 pre-existing conditions. What’s more, we have no upper age limit. So if you have diabetes, COPD or heart disease, like almost a third of Irish seniors, we can help.
Get travel insurance for over 60s with medical conditions. Just declare them during our medical questionnaire and answer some simple questions.
Get over 60s travel insurance with:
- Heart conditions
- Disabilities
- COPD
- High Cholesterol
- Diabetes
- Stroke
- Asthma
- Arthritis
- Cancer
- Epilepsy
- Mental health conditions
Why is it so important to declare pre-existing conditions?
If you do not declare your pre-existing conditions, you may invalidate your holiday insurance. This means you won’t be covered if you face any emergency medical costs linked to your condition. It’s important to declare all your conditions and answer our medical questionnaire honestly.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Find the best over 60s travel insurance
Your travel plans are as individual as you are, so your insurance should be too. Whether it’s one memorable getaway or several trips throughout the year, we’ve got a policy to match your plans.
Single trip travel insurance
Heading off for just one break in the next 12 months? Our single trip travel insurance gives you cover from the moment you leave home until you’re safely back again.
Annual multi-trip travel insurance
Love to travel often? With our annual multi-trip travel insurance, you can enjoy unlimited trips in a year without the hassle of arranging cover every time.
Why choose JustCover for your over 60s travel insurance?
Get the right protection for your next holiday. Whether you’re finally taking that bucket list trip or simply visiting the grandkids. Here are just a few reasons why you should choose JustCover for travel insurance for over 60s:
- 98% of our customers rate us as ‘Excellent’ or ‘Great’³
- Get up to unlimited cover for emergency medical expenses and repatriation
- Plus, up to €10,000 cancellation cover²
- Add extra protection for cruise or golf holidays
- 100% of customers would consider buying from JustCover again⁴
Specialist travel insurance for over 60s
Whether you love a cruise or prefer to hit the golf course, we have a policy for you. We offer a whole range of additional cover and specialist policies:
Golf travel insurance: Get protection for your clubs, your green fees and more in case something goes wrong. We’ll even help with the bar bill if you get a hole-in-one.
Travel insurance with medical conditions: Get travel insurance for over 60s from a specialist medical provider. We’ll consider more than 1,300 conditions.
Family travel insurance: Heading off on a big family trip to celebrate your retirement? Protect everyone on the same policy and go away knowing you’re covered.
Cruise travel insurance: If something goes wrong on a cruise, you could face high costs. Get protection for illness onboard, missed excursions and more.
Destinations covered by travel insurance for over 60s
Looking for over 60s travel insurance for a break to see the grandkids? Or heading off across the world for that big retirement trip? Get cover for trips close to home and far away.
Europe: Whether you’re relaxing on a beach in Spain or taking in the history and culture of France. Get protection for medical emergencies, travel delays and more.
Worldwide: Doing the big trip you’ve always dreamed of? We can cover you for holidays to the USA, Australia, and many other global destinations.
How much does travel insurance for over 60s cost?
Looking for the best price on travel insurance for over 60s? There are a few things that will impact your quote:
- Your age and pre-existing medical conditions: Both of these will affect how likely you are to make a claim. If you’re a senior traveller or have a condition, you have a higher chance of experiencing a medical emergency.
- How long you’re away for and where you’re visiting: The longer your trip, the more likely you are to make a claim. While certain countries, such as the USA, have expensive medical care. Your quote will be higher to reflect this.
- Optional extras: Going on a golf holiday or a cruise? Or perhaps you need additional cover for other activities? Pick from our range of optional extra cover.
Why is travel insurance more expensive for people over 60?
As you get older, you’re more likely to need emergency medical help on holiday. Your quote will need to reflect this risk. Even if you’re in good health, you are still at a higher risk of having an accident. In fact, the HSE says that “One third of older adults deemed at low risk of a fall experience a fall within 12 months”. This is why travel insurance tends to cost more for people over 60.
A simple 3-step process to book your over 60s travel insurance
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You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
“At JustCover, we’re the perfect choice for anyone looking for over 60s travel insurance. We have no upper age limit and will consider more than 1,300 pre-existing medical conditions. We can cover you whether you’re heading off on the retirement trip of a lifetime, or for a short break close to home. Plus, you can buy online in minutes – no hassle, no stress.”
Peter Clark - JustCover Director
What our customers say
“The team provided exceptional assistance and demonstrated impressive expertise, setting them apart from other insurance companies that didn’t meet expectations.”
see full reviewTips for travelling when over 60 years old
Going away for a weekend? Or a big retirement trip around the world. There are some simple things you can do to make sure your holiday goes smoothly.
1. Buy travel insurance for over 60s
Get protection for emergency medical expenses, if you have to cancel for certain reasons and for travel delays. Remember, if you’re visiting a country covered by the EHIC, take both your card and comprehensive travel insurance.
2. Check in with your doctor
Talk to your GP or medical specialist about your trip, how to prepare and any precautions you should take. If you have a pre-existing medical condition, take details of your doctor, medical history and any prescriptions away with you. Please note, we cannot cover you with travel insurance for over 60s if your doctor advises against travel.
3. Make sure your vaccinations are up to date
Speak to your local travel clinic about any boosters or new vaccinations you may need. They will be able to advise on guidance for your destination. You can find further details on the HSE website.
4. Pack plenty of medication
Plan to take enough for your trip, plus extra in case you are delayed. Split some of it between different bags in case one is stolen or delayed. Some countries have restrictions on the medication you can bring in, so research this in advance.
5. Make sure you have your passport
Check your passport has enough time left on it. You should also check any visa or entry requirements for the countries you’re visiting. You can find more information on the Department of Foreign Affairs website.
6. Prepare for the airport
Speak to your airline in advance if you might need assistance. You should also talk to them if you have any medical aids you need to bring on board. They may need you to have a fit-to-fly certificate if you have a pre-existing medical condition.
7. Pack smart
Create a list to make sure you don’t forget anything important. Pick a suitcase or bag that’s easy to travel with. For instance, a suitcase with wheels. Take light, comfortable clothes that you can layer for warmth.
8. Take care of yourself while you’re away
Make sure you take precautions if visiting a hot country and stay hydrated. If you have mobility issues, book accommodation that’s accessible and close to anywhere you want to visit. Plan in plenty of breaks and time for rest in your itinerary.
Frequently asked questions about over 60s travel insurance
Are there age limits for travel insurance?
Many standard providers will have age limits for travel insurance. At JustCover, we have no upper age limit. We offer travel insurance for all ages. That’s because we think everyone deserves to go away on holiday knowing they’re covered.
Note: We do have an age limit of 65 on our winter sports cover.
When does travel insurance cover begin and end?
You’ll benefit from cancellation cover from the moment you buy travel insurance. You can buy a policy up to 12 months from the start of your trip. Your other benefits, such as emergency medical cover, will apply to the duration of your trip. See our over 60s travel insurance Policy Wording for more details.
Are there limits on the length of trip for the over 60s?
Yes, there are limits on the maximum trip length, but it depends on the type of policy you choose.
- Single trip policies can cover trips of up to 365 days, depending on your age and the destination.
- Annual multi-trip policies let you take multiple trips during the year, but each trip is limited to 31 or 45 days, depending on your level of cover.
If you’re planning a longer holiday, it’s a good idea to check your policy details. Or you can get in touch with our team to make sure you’ve got the right cover.
How do you make a claim on your holiday insurance?
If you have a medical emergency while you’re away, you must call our 24/7 medical emergency helpline as soon as possible. This must be done before making a claim on your travel insurance for over 60s.
If making a claim for something else, such as stolen belongings, you can submit your claim online. Do this within 30 days of your trip ending.
Read our claims page and Policy Wording for full details, including any documents you’ll need to keep. Such as receipts, medical records and police reports.
Do you need a European Health Insurance Card (EHIC/GHIC) as well as insurance?
If you’re visiting a country covered by the EHIC (European Health Insurance Card), you should take both your card and travel insurance. Your EHIC will give you access to some emergency state healthcare at the same price as locals. However, it won’t cover all costs, such as medical repatriation or stolen belongings. That’s why comprehensive travel insurance is essential.
What should you do if you have a medical emergency while abroad?
Research your destination before you go. Make sure you know where the nearest hospital with an emergency department is and which local number to call if you need an ambulance.
Once you’re safe and receiving treatment, call our 24/7 emergency helpline as soon as possible and before making a claim with us. Read our claims page and Policy Wording for more details. Remember to save any documents you may need to claim, such as medical records and receipts.
Are mobility aids or medical equipment covered by travel insurance?
Yes, as long as you declare any pre-existing medical conditions to us in advance. We can cover your mobility aids and medical equipment against loss, theft and damage.
You must always declare your pre-existing medical conditions. If you don’t, you may invalidate your policy and won’t be covered for any claims you make.
When should over 60s buy travel insurance?
Buy your policy as soon as you’ve booked your trip, as far ahead as 12 months from your holiday. Cancellation cover kicks in from the moment you buy your policy. Other benefits will apply to the dates of your trip.
If you’re buying over 60s travel insurance at the last minute, we’ve also got you covered. You can buy a policy on the day of departure, as long as you haven’t gone through customs in Ireland yet. Read our Policy Wording for more details.
Can you include a companion on your policy?
Travelling with other people? We offer a range of travel insurance for over 60s covering:
- Travelling as a couple
- Going away with family
- Holidaying with friends
- If you need to include a carer on your policy
See our over 60s travel insurance Policy Wording for full details of what is and isn’t covered.
Can you get cover for an existing trip if you forgot to buy insurance before departure?
No, unfortunately, we cannot provide you with cover if you’ve already departed. You can buy travel insurance for over 60s on the day you leave for your trip, but you must not have gone through customs or left Ireland yet.
See our over 60s travel insurance Policy Wording for more details.
Do you need a medical assessment to get travel insurance if you’re over 60?
We try to keep holiday insurance for over 60s simple at JustCover. You complete our medical questionnaire and declare any pre-existing medical conditions you have. Then you’ll get your quote.
You must be fit to travel to buy a policy. If you need to make a claim, we may check with your doctor that this is the case. However, we do not ask you to undergo a medical assessment to get your quote. See our Policy Wording for full details.
Can you extend your policy if your trip is longer than expected?
Contact us using the details in your policy documents if you haven’t started your trip yet. We are happy to consider extending your policy, although there will be an additional cost for this.
You can also ask us about extending your policy once you’re on holiday, but we’re less likely to be able to accept the changes in these cases. We can only consider the extension if no claims have been made or are pending.
If you need to extend your trip due to a covered event, such as becoming ill, this will happen automatically (up to 30 days). Read our Policy Wording for more information.
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2. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and T&Cs.
3. Based on 2000+ Trustpilot responses, as of 12/05/2025.
4. Based on 128 responses, correct as of 27/08/2025.
* 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.