Around 30% of policies exclude claims from travellers aged over 65 and many exclude claims from those aged over 70. Different companies also have different upper age limits; for example Marks and Spencer travel insurance has an age limit of 70 for it’s annual policy and no age limit for it’s single trip cover (except for those over 80 for USA trips).

The main reason why travel insurance is so expensive for senior citizens is the high cost of medical treatment abroad and the increased risk of a claim. A good way to compare multiple policies at once is to use a price comparison website such as MoneySupermarket travel insurance which compares hundreds of policies in one quote.

If you plan to travel abroad several times in a year, it could be cheaper to buy multi-trip or annual travel insurance rather than a policy for each trip.

Many standard travel insurance policies for families include coverage for winter sports, for example. Try to get a travel insurance quote based solely upon your travel needs and personal circumstances rather than a ‘one size fits all’ policy.

One company has made efforts to make travel insurance more affordable for older people. The goal of Insure for All is to provide comprehensive and affordable insurance to those aged 65 to 84. The company offers single trip coverage for those aged up to 84 and multi trip coverage for Europe for those aged up to 74.