UK Over 60s: Get Travel Cover Without Health Checks

Finding travel cover in your 60s does not have to be complicated. Many UK insurers offer policies that do not require a physical health examination, focusing instead on simple eligibility questions. The key is understanding what “no health checks” means in practice, how benefits work, and when you may still need to disclose medical details to ensure any future claim is valid.

Travel insurance for UK residents over 60

Policies for UK residents over 60 often include the same core protections as standard cover, but with age-specific considerations such as trip length limits, higher medical benefit caps, and optional extras like cruise or winter sports. “No health checks” typically indicates you won’t be asked to attend a medical exam. However, most insurers still expect you to answer medical screening questions or confirm whether you have pre-existing conditions. Some providers automatically include a list of minor, well-managed conditions without extra cost, while others may exclude claims linked to undeclared illnesses. Always read the duty of disclosure section carefully and keep a record of your answers.

When choosing between Europe, Worldwide (excluding USA/Canada/Caribbean), or Worldwide (including) regions, check that the medical expense limit is sufficient for your destination. For UK readers planning cruises, make sure cruise cover is explicitly listed, as standard policies may not include it. Annual multi-trip policies can be convenient if you travel frequently, but single-trip cover may suit longer, one-off journeys. Note any age caps, maximum trip duration, and whether business, adventure, or volunteer activities are covered.

Understanding policy benefits and coverage

Core benefits usually include emergency medical treatment and repatriation, cancellation and curtailment, baggage and personal belongings, personal liability, and travel delay or missed departure. Limits and excesses vary, so review them in detail. Even when no health examination is required, a policy may specify that pre-existing medical conditions are excluded unless declared. Some policies allow cover to proceed without detailed screening if you agree to exclude claims related to certain conditions; this can keep the process simple but limits what you can claim for. Consider whether that trade-off works for your circumstances.

Check how the policy defines a pre-existing condition, including recent investigations, new symptoms, or changes in medication. Many insurers apply a “stability” period (for example, no recent hospital admissions or medication changes) before full cover applies. If you rely on regular prescriptions, verify that emergency replacement of medication is covered and under what conditions. Review cancellation triggers such as new diagnoses, accidents, or a close relative’s illness, and confirm documentation requirements. If travelling in Europe, remember that a UK GHIC/EHIC helps with state-provided care, but it is not an alternative to insurance and does not cover private treatment, repatriation, or many non-medical losses.

Consider policy features that support older travellers: higher medical limits, 24/7 emergency assistance lines, and clear guidance on contacting the medical assistance team before treatment where possible. Look for practical add-ons, such as cover for mobility aids, spectacles, hearing devices, or medical equipment you may carry. Review exclusions for high-altitude trekking, water sports, or hired vehicle use, and add optional cover if needed. Keep an eye on the excess; a higher excess can lower the premium but increases out-of-pocket costs if you claim.

Managing medical conditions

If you have an existing condition, you can often secure cover without a physical health check by completing an online declaration. Answer questions accurately and keep copies. Misstating your situation can invalidate a claim. If your condition is stable and well-managed, some policies include it automatically. If not, the insurer may offer one of three outcomes: cover with no change, cover with an added premium or excess, or cover that excludes claims arising from that condition. Read the wording carefully so you know which outcome applies.

Before you travel, prepare a simple medical summary listing diagnoses, current medications, dosages, allergies, and your GP’s contact details. Carry medications in original packaging with a copy of prescriptions; keep spares in separate bags in case one is lost. For certain trips—especially cruises or long-haul journeys—some operators may request confirmation that you are fit to travel, which is different from an insurer’s health check. If you’re unsure, consult your GP or appropriate local services in your area for guidance on travel vaccinations, medication storage, and any airline or destination restrictions.

During your trip, contact the insurer’s emergency assistance team as soon as reasonably possible if you need medical care. They can guide you to suitable clinics, confirm cover to providers, and coordinate repatriation if required. Keep receipts, medical notes, and any reports from local authorities; these documents support claims for treatment, cancellations, or lost belongings. If your policy excludes claims linked to a particular condition, you will still have cover for unrelated emergencies—understanding this distinction avoids disappointment later.

Practical buying tips can help streamline the process. Compare policy wording, not just headline limits. Check the maximum age, trip duration, and regional definitions match your plans. If you travel several times a year, compare annual multi-trip against single-trip for your typical journey length. If you prefer simplicity and do not need cover for certain conditions, you may choose a policy that proceeds without detailed screening but excludes claims related to those conditions; if you prefer fuller protection, seek a policy that accepts and covers your disclosed conditions. In all cases, keep digital and printed copies of documents and the emergency contact number handy.

A careful, realistic approach helps UK travellers over 60 secure the convenience of arranging cover without a medical exam while maintaining clarity over what is and is not covered. With accurate disclosure, appropriate benefits, and a plan for managing health needs on the move, you can travel with confidence that your policy aligns with your itinerary and personal circumstances.

This article is for informational purposes only and should not be considered medical advice. Please consult a qualified healthcare professional for personalized guidance and treatment.