Traveling can be an exciting experience for people of all ages.  However, for British seniors over the age of 60,  there can be several challenges that  may hinder their ability to travel.  This is why it is important for them to choose a reliable travel insurance policy before embarking on their next adventure trip. A good policy can provide adequate protection in  cases like medical  emergencies, lost luggage, and unfortunate incidents such as delays and cancellations.

Before learning how to choose travel insurance plans for seniors, it is important to understand each type to make an informed decision.

Types of travel insurance plans

• Single-trip travel insurance
  As the name suggests, this insurance type is ideal for those who plan to take only one trip during the specified year. The  coverage of the plan  ends as soon as the traveler returns to their home destination. Seniors certain to take one trip in the year can opt for the cheapest travel insurance option. In most cases, the duration of this cover is 180 days.
• Annual multi-trip travel insurance
  This insurance plan is perfect for seniors who are frequent travelers.  Purchasing a single-trip policy for every trip can  not only be more expensive but will also  require additional paperwork, making the process more burdensome for  the elderly .
• Long-stay travel insurance
  Long-stay travel insurance, also known as backpacker insurance,  is a policy that  offers coverage for extended trips that span  across  multiple countries.  
• Winter sports travel insurance
  This insurance policy offers coverage for  a range of  snow sports, including skiing. The policy includes protection against any damages or loss of the skiing equipment. It is especially beneficial for seniors who plan to participate in these exciting winter sports.
• Medical evacuation policy
  A medical evacuation policy is a type of travel insurance plan that covers the expenses of transporting an individual from their vacation spot to a medical facility in case of a health emergency. Seniors planning to travel to remote locations can benefit from purchasing this policy.

Top travel insurance companies to consider

Staysure
Staysure is   a highly recommended choice for travel insurance, particularly for seniors.  Their basic travel insurance plan  provides emergency medical coverage for  up to £5 million.  Meanwhile, their comprehensive and signature plans offer unlimited emergency medical coverage. In addition, they also provide coverage for baggage, passports, and travel delays. The best part about their  policy  is that their single-trip and annual multi-trip travel policies have no upper age limit.  This  means that seniors over 80 can still opt for a travel insurance plan from Staysure. Moreover, Staysure’s policies cover most pre-existing medical conditions.

AllClear
AllClear’s travel insurance policy also comes with no age cap. Their basic plan, the Gold plan, offers coverage of up to £10 million for emergency medical expenses. This includes repatriation or emergency evacuation in case of a medical emergency. AllClear offers two plans – the Gold Plus plan provides up to £15 million for emergency medical expenses, whereas the Platinum plan offers unlimited coverage .  For  seniors over 70 who need better travel insurance coverage can opt for any of the two options. AllClear’s travel policies also cover cancellations, delays, and lost personal belongings. 

Post Office
This company provides single-trip travel insurance policies that have no age limit.  However, their annual multi-trip policies and backpack policies do have age restrictions , 75 years and 60 years , respectively. Post Office’s basic plan, called the Economy Cover, offers coverage of up to £5 million for emergency medical expenses. Additionally, the company  also  offers coverage for most pre-existing conditions, which is a huge advantage for senior travelers.   They also cover cancellations, trip curtailment, and loss of personal possessions like documents and money , among others .  

One of the best features of the  single-trip policy offered by Post Office  is that it provides coverage for 365 days.  So, even if senior travelers plan a year-long trip, this policy protects their travels as long as it is a single trip. Moreover, the Post Office’s backpacker policy offers coverage for up to 18 months. During this period, policyholders  have an option to  return home up to three times, for a maximum of seven days each trip.

Allianz Assistance
This company provides extensive travel insurance policies for seniors  that offer wide coverage . However, their  travel insurance  policies do not  cover pre-existing conditions at the moment .  Nonetheless, the company has other senior-friendly options to consider. The basic plan,  known as  the Bronze Plan, is offered for single and annual multi-trip insurance. It  offers coverage for  emergency medical expenses, repatriation, cancellations, delays, and personal belongings.  To learn more about their pricing,  one can request a quote from the company directly on their website.

Admiral
Another one on the list is Admiral. It provides lucrative travel insurance plans for seniors that cover most pre-existing conditions, provided they are declared  at the time of  purchasing the plan. Admiral’s basic travel insurance plan  offers coverage of  up to £10 million for emergency medical expenses. Upon purchasing their higher plans, one can get better coverage of up to £15 and £20 million. Their policies also include coverage for personal belongings, stolen travel documents, and flight cancellations. However, it’s important to note that the company has a set age limit of 75 years for annual multi-trip policies and 85 years for single-trip policies, respectively.