What is travel insurance for over 75s?
It’s travel insurance that’s tailor-made for seniors who aren’t slowing down anytime soon. From lost bags to medical mishaps, over 75s travel insurance can be a financial safety net should the worst happen. But unlike standard travel insurance, it doesn’t make a fuss over the date of birth in your passport.
Whether you’re cruising, trekking or sightseeing, travel insurance for the over 75s keeps up with your plans. And because we cover over 1,300 medical conditions, it lets you focus on where you're going, not what might go wrong.
Why do you need over 75s travel insurance?
Travel insurance is a must-have for any holiday, whatever your age. But the older we get, the more important it becomes to prepare for unexpected health hiccups while travelling. If you're over 75, here’s why travel insurance deserves a prime spot on your holiday checklist:
- Pre-existing conditions are common. Nearly three-quarters of Irish adults aged over 58 have two or more chronic conditions. While your health won’t stop you from getting a policy with JustCover, it can make travel more complex.
- Accidents can happen when you’re away from home. One in three people over 65 in Ireland will experience a fall each year. One in five over 75 will have recurrent falls. Even a minor stumble abroad could result in costly treatment.
- Emergency medical costs abroad can be sky-high. The Department of Foreign Affairs warns that hospital bills away from home can run into thousands of euros. Medical repatriation back to Ireland may cost tens of thousands. Without insurance, you may be expected to pay upfront – even for emergency care.
What does JustCover’s over 75s travel insurance cover?
The best holiday insurance for the over 75s lets you travel stress-free. For full details of what is and isn’t included, read our Policy Wording.
What's covered
Emergency medical expenses & repatriation - Covers tests, treatments and medications if you fall ill or get injured abroad. Includes repatriation to bring you safely back to Ireland.
Cancellation protection - If something unexpected forces you to cancel your trip before you set off, we’ll cover your flight and accommodation costs.
Curtailment cover - If you need to cut your trip short and return home early due to an emergency, we’ll help with the costs.
Travel delay compensation - If your flight is delayed, we’ll compensate you for the inconvenience
Personal belongings protection - Covers lost, stolen or damaged baggage and valuables.
Personal liability cover - If you accidentally injure someone or damage property while travelling, we’ll cover legal expenses and liability costs.
What's not covered
Claims below the policy excess - You can only claim if the value of your claim exceeds the excess amount stated in your policy.
Trips outside your chosen region - Tell us where you’re heading to make sure your destinations are covered.
Pre-existing known circumstances - Issues you were aware of before booking may not be covered.
Undeclared medical conditions - Tell us all of your pre-existing conditions to make sure you’re fully protected.
Choosing not to travel - We’ll only cover cancellation if the reason falls within our policy terms.
Over 75s travel insurance for pre-existing medical conditions
Diagnosed with a pre-existing health condition? It shouldn’t stop you from enjoying a well-earned holiday. At JustCover, we specialise in travel health insurance for over 75s with medical conditions. No jargon. No waffle. And you know you’re in safe hands.
We can cover over 1,300 medical conditions, and there’s no upper age limit on our policies. We can even cover you if you have more than one condition.
Whether you’re jetting off for sunshine or seeing family abroad, we’re here to make things simple. Just fill out our quick medical questionnaire online, or give us a call if you’d prefer to chat. We’ll guide you through it, step by step.
- Heart conditions
- COPD
- Diabetes
- High cholesterol
- Stroke
- Asthma
- Arthritis
- Disabilities
- Cancer
- Epilepsy
Why is it so important to declare pre-existing conditions?
Letting us know about your pre-existing medical conditions means we can make sure you’re properly protected while you’re away. If something unexpected happens and your condition hasn’t been declared, your claim may be rejected, even for emergency treatment.
We understand that sharing health details can feel daunting. But being upfront helps us tailor your cover to suit your needs. We’ll handle the serious bits, so you can focus on the fun.
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
Get a quote in minutes...
Find the best over 75s travel insurance
From one-off trips to a whole year of adventures, our over 75s holiday insurance fits the way you like to travel.
Booked one unforgettable getaway? Our single trip cover is simple to set up and stays with you from take-off to touchdown.
Annual multi-trip travel insurance
Got the travel bug? With our annual policy, you’re sorted for every escape², city break and beach day for the next 12 months.
Why choose JustCover for your over 75s travel insurance?
If you’re over 75, finding the right cover can feel tricky. But with JustCover, it’s refreshingly simple.
We specialise in travel insurance for senior travellers, with no upper age limit and cover for over 1,300 medical conditions. Whether it’s a relaxing cruise or a long-awaited reunion abroad, we’re here to help you travel with ease.
- Up to unlimited cover for emergency medical expenses and repatriation
- Up to €10,000 cancellation cover³
- 24/7 emergency medical helpline, always just a call away
- 98% of customers rate us ‘Excellent’ or ‘Great⁴
- 98% of customers would recommend us to family and friends⁵
Specialist travel insurance for over 75s
Travel isn’t one-size-fits-all. That’s why we offer flexible add-ons to suit your plans. You can take us with you, whatever you’re doing!
We’ll cover your clubs if they’re lost, stolen or damaged. We can also reimburse non-refundable green fees if your plans change.
Travel insurance with medical conditions
Managing ongoing health issues? Our tailored cover includes emergency medical costs.
One policy, all generations. We make it easy to get everyone covered together.
Get extra cover for cabin confinement, cruise interruption, itinerary changes and more.
Destinations covered by travel insurance for over 75s
Great travel doesn’t stop at 75! So travel smart with holiday insurance designed to go the distance. Just choose the cover that best suits your plans.
Simple, reliable cover for closer-to-home adventures. Perfect for getaways to France, Spain or Italy.
Ideal for longer trips or far-flung visits to places like Australia, Dubai or the USA.
How much does travel insurance for over 75s cost?
The cost of holiday insurance for senior travellers can vary. Premiums may rise slightly as you get older and your need for more comprehensive medical cover increases. But age is just one of the factors we consider when calculating your premium. We also look at:
- Medical conditions. Declaring pre-existing health conditions may increase your premium, but it’s vital to ensure you’re properly protected.
- Trip length. Longer trips typically cost more to insure.
- Destination. Some regions, like the USA or Australia, have higher medical costs. This is usually reflected in the cost of your travel insurance.
- Any extras you need. Add-ons like cruise cover, winter sports or gadget protection are there if you need them.
The amount you pay for your policy depends on your personal circumstances. It’s why we offer tailored quotes to make sure you get the right cover at the right price.
Why is travel insurance more expensive for people over 75?
Senior travellers are statistically more likely to need medical care while abroad. This increases both the frequency and cost of claims, which can impact the price you’ll pay.
Here’s why travel insurance for the over 75s may cost more:
- Pre-existing conditions are more common. The Irish Longitudinal Study on Ageing (TILDA) reports that nearly 75% of adults aged 58 and over live with two or more chronic health conditions. These can include heart disease, arthritis and diabetes – chronic conditions which may require treatment while travelling.
- Disabilities increase with age. According to the Central Statistics Office, over 27% of Irish adults aged 70–74 have a disability. That figure rises to 73% for women aged over 85. Disabilities can affect mobility, cognition and access to care abroad.
- Healthcare abroad can be costly. The Department of Foreign Affairs warns that even basic emergency care abroad can come with a hefty price tag.
A simple 3-step process to book your over 75s travel insurance
Get your quote in seconds
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 recommendations from our team
"Turning 75 doesn’t mean slowing down. It often means exploring more – and for longer. Whether it’s a heritage trail through Lisbon or a family holiday in Florida, senior travellers are making the most of their retirement.
But travelling later in life also comes with unique considerations. Comprehensive travel insurance ensures you’re protected from medical emergencies, cancellations and unexpected mishaps. It can also cover pre-existing conditions, so you can focus on the adventure."
Peter Clark - JustCover Director
What our customers say
“We were disappointed when our previous travel insurer did not offer renewal on our annual insurance despite never having claimed. Nor could they offer us single trip insurance. JustCover was able to offer us the insurance at a great rate and without any fuss.”
see full reviewTips for travelling when over 75 years old
Here are a few tips to help you make the most of your travels:
- Pack smart. Bring what you need, but don’t weigh yourself down. Comfortable shoes, essential medications and a light day bag are your best travel companions.
- Sort your travel insurance as soon as you book. That way, you’re covered if an emergency forces you to cancel before you go.
- Choose flights that work for you. Give yourself plenty of time between connections. Airport assistance services can help with mobility or luggage – just ask when booking.
- Stay cool and hydrated. If you're heading somewhere warm, take breaks in the shade and drink plenty of water. A reusable bottle and a wide-brimmed hat go a long way.
- Stay connected. Bring a mobile phone that works abroad and save key contacts. Things like your accommodation, our emergency medical helpline and local emergency services.
- Go at your own pace. You don’t have to see everything in one day. Build in time to relax. After all, you’re on holiday!
Frequently asked questions about over 75s travel insurance
Are there age limits for travel insurance?
Not with JustCover! Our policies have no upper age limit. We can insure travellers over 85, and beyond. Taking the grandkids? We can cover children, too, as long as they’re travelling with an adult and named on the same policy. The only age limit we apply is for our winter sports add-on, which has an upper age limit of 65.
Are there limits on the length of trip for the over 75s?
Our annual multi trip policies do have trip limits, but these don’t depend on your age. They’re the same for everybody! And with single trip travel insurance, you can be abroad for 365 days depending on your destination.
Our annual multi-trip travel insurance allows you to travel as often as you like within a 12-month period, but with a duration limit on each individual trip. Silver or Gold would cover you for 45 days at a time. Black policies can cover unlimited trips of up to 55 days.
For full details, read our Policy Wording.
Should you consult your GP before travelling?
If you’re managing a long-term condition or have had recent changes to your health, it’s worth having a quick chat with your GP before you go. They can offer advice tailored to your destination. They can also help you plan any medications.
It also means you’ll be able to give us accurate details when arranging your over 75s travel insurance. If a condition isn’t declared and something happens on your trip, your cover might not apply. So it’s always better to check in and get everything sorted before you pack your bags.
Do you need a European Health Insurance Card (EHIC) as well as insurance?
Yes, it’s a good idea to have both. Applying for an EHIC allows Irish citizens to benefit from the health agreements between countries in the EU. But it doesn’t cover everything. For example, it doesn’t cover private treatment or cancellations. It won’t pay to get you home if you’re unwell.
That’s where travel insurance steps in. It fills in the gaps, so you’re covered for things like lost luggage, unexpected delays, or medical emergencies that go beyond what the EHIC includes.
Having both means you’re well-prepared to enjoy your trip, knowing the essentials are taken care of.
Do you need a medical assessment to get travel insurance if you’re over 75?
You won’t need a medical exam. But you will need to complete a short medical questionnaire when you get your quote. It’s quick, straightforward and can be done online at your own pace. If you’d rather speak to someone, you can also call us and go through it over the phone.
The questionnaire includes questions like:
- Have you been diagnosed with any medical conditions in the last two years?
- Are you currently taking any prescribed medication?
- Have you had any hospital visits, tests or procedures recently?
Depending on your answers, we may ask a few follow-up questions. That way, we can make sure your cover matches your needs.
Are mobility aids or medical equipment covered by travel insurance?
They are at JustCover. We know that mobility aids and medical equipment can be expensive to replace. It’s why our travel insurance covers you against the loss, theft, or accidental damage of your mobility aids and equipment.
All our travel insurance policies cover mobility equipment whilst you’re abroad. This includes wheelchairs, walking frames, sticks, supplies and equipment designed to help provide mobility.
Is your mobility aid particularly valuable? Add gadgets cover to protect single items, up to €2,000.
How do you make a claim on your holiday insurance?
If something goes wrong, JustCover makes it easy to get help and start your claim. You’ll find all the details, including contact numbers and what documents are needed, on our Claims page.
Making a claim online is the quickest and easiest way to get started with your claim. But if you prefer, you can also do this by phone. You’ll be asked to provide:
- Your booking invoice
- Your insurance certificate
- A completed claim form
- Any relevant documents, like medical certificates or cancellation invoices
It’s best to notify us within 30 days of returning from your trip if you think you’ll need to make a claim. And if it’s an emergency while you’re abroad, there’s a 24/7 helpline ready to assist.
What should you do if you have a medical emergency while abroad?
Call the emergency services in the country you’re in if you need immediate care. Then contact JustCover’s Emergency Helpline as soon as possible:
- From Ireland: (01) 263 6895
- From outside Ireland: +353 1 263 6895. This line is for medical emergencies only and is available 24 hours a day.
Our team can help arrange treatment, liaise with hospitals and advise on what to do next. They’ll also let you know what documents you might need for your insurance claim later on.
It’s a good idea to keep your policy number and emergency contact details with you while travelling, just in case.
How can over 75s get cheaper travel insurance?
Travel insurance can cost a bit more as you get older. But there are smart ways to keep it affordable without cutting corners.
Choose the right type of policy. If you’re only heading to the USA once this year, a single trip policy might be more cost-effective than an annual one. But if you’re planning several European breaks, an annual multi-trip policy could save you money in the long run.
Don’t pay for extras you won’t use. Check what’s included in your policy. If you’re not going skiing or cruising, skip those add-ons. Tailoring your cover to your actual plans helps keep costs down.
Travel smart. Consider destinations with lower healthcare costs. That can help reduce your premium, too.
When should over 75s buy travel insurance?
You should buy your policy as soon as you book your trip. Buying travel insurance early means you're covered straight away. That’s important, because illness or unexpected events could stop you from travelling altogether. The sooner you’re protected, the better – especially if your trip involves expensive flights, cruises, or pre-paid accommodation.
Even if your holiday is months away, early cover lets you tick one thing off your travel to-do list.
Can you extend your policy if your travel plans change or you need to stay longer?
With JustCover, you can extend your policy. If your plans change before you leave Ireland, you can ask to extend your policy. Just contact us using the details in your policy document. An extra premium may apply.
Already abroad? We’ll consider extensions case by case, but only if no claims have been made or are in progress.
If your trip is extended due to a covered event, like a medical emergency, your cover will automatically continue for up to 30 days while you get home safely. Read our Policy Wording for more details.
Can you include a carer on your policy?
Yes, and it’s easier than you might think. The simplest way to insure both you and your carer under one policy is with our group travel insurance. That way, if your carer becomes unwell and you need to cancel your trip, you’re both protected.
It’s often more cost-effective than taking out separate policies. And if you ever need to make a claim, there’s far less paperwork to worry about.
There’s no upper age limit, and you don’t need to live at the same address. Just ask for group cover when you get your quote. We’ll take care of the rest.
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Affordable travel insurance for all your needs
2. Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days' travel per year. Individual trip duration limits apply.
†. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
3. 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 Ts&Cs.
4. Based on 2000+ Trustpilot responses, as of 12/05/2025.
5. 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.