Why Seniors Need Specialist Travel Insurance
Travel can be incredibly rewarding in later life, allowing senior travellers to make lovely memories in exciting new places. Nevertheless, there are a few things older travellers should bear in mind. They can often face higher risks and stricter requirements. Here are a few examples:
.png?width=1072&height=694)
Most couples’ travel insurance policies include
cover for:
ABI, the average travel medical claim is over £1,700
and costs can skyrocket without cover.
Private care overseas or air ambulance repatriation can
cost tens of thousands of pounds. This is a big
financial burden!
Destinations like the USA, Cuba and some parts of
Asia won’t issue visas without it.
With Gigasure, senior travellers can find reliable policies tailored to their trip, without confusing
jargon or hidden limits. We know that when you set out on an adventure, you want things to be
as simple and seamless as possible.
Which Policy Type Suits Your Trip?
The prices below are based on a 60 year old with no medical conditions disclosed
| Trip pattern | Recommended policy | Sample premium |
|---|---|---|
| One-off city break or short cruise |
Single Trip | £25–£50 (10 days, Europe) |
| Multiple holidays per year |
Annual Multi-Trip | £40–£90 (Europe-wide) |
| Single-Trip |
|---|
|
Trip pattern:
One-off city break or short cruise
|
|
Sample premium:
£25–£50
(10 days, Europe) |
| Annual Multi-Trip |
|---|
|
Trip pattern:
Multiple holidays per year
|
|
Sample premium:
£40–£90
(Europe-wide) |
What’s Covered and What Isn’t
Covered as standard
£10–20 million medical & repatriation
Cancellation / curtailment
Baggage & mobility aids
Personal liability & legal
Delays & missed departure
Usually excluded
Claims related to the reason why the FCDO have advised against or all but essential travel.
Claims related to circumstances known to you at the
time of buying your policy or booking your trip,
whichever is later
Adventure Sports and Activities (without add-on)
Undeclared medical conditions or being unfit to travel or travelling against medical advice
Substance, drug, alcohol abuse or drinking too muchalcohol
Losses below policy excess
Pre-Existing Medical Conditions
It’s very important to declare any pre-existing medical conditions when applying. This
ensures your cover is valid and gives you peace of mind if something happens abroad.
- Full medical screening: Gigasure’s online form makes
it easy to disclose conditions, with no need to call
unless requested. We like to keep things as simple as
possible, so you can typically do things in one place. - What to take on your trip: A copy of your repeat
prescription list or GP summary letter can help speed
up treatment overseas. `
Skipping disclosure could invalidate your policy, so it’s always better to be upfront.
.png?width=1072&height=444)
Age Limits and Cost Factors with Gigasure
.png?width=753&height=540)
- Single Trip cover up to the age of 85. Maximum age
varies by destination. - Annual Multi-Trip policies available up to age 79.
- Winter Sports cover provided up to the age 65.
- Adventure Sports and Activities cover typically
matches the age limit of the policy that you buy.
What Affects Your Premium?
.png?width=1072&height=798)
Your quote is based on a few key factors:
- Destination (Europe vs worldwide)
- Trip length
- Your medical history
- Add-ons (like cruise or car hire excess)
- Policy excess amount chosen
- The level of cover you require – Core, Pro and Max
plans that have different levels of core from the lowest
to the highest we offer
| Example trip | Age | Duration | Indicative premium |
|---|---|---|---|
| Spain beach break | 72 | 10 days | £56–£116 |
| Cruise in the Med | 75 | 10 days | £73–£150 (with add-on) |
| Annual cover (Europe) | 78 | <31 days/trip | £115–£250 |
| Spain beach break |
|---|
|
Age:
72
|
|
Duration:
10 days
|
|
Indicative premium:
£56–£116
|
| Cruise in the Med |
|---|
|
Age:
75
|
|
Duration:
10 days
|
|
Indicative premium:
£73–£150 (with add-on)
|
| Annual cover (Europe) |
|---|
|
Age:
78
|
|
Duration:
<31 days/trip
|
|
Indicative premium:
£115–£250
|
Extra Cover Options Seniors Often Add
At Gigasure, we are proud to offer several add-ons that help travellers tailor their policy to their
unique needs; no size fits all, so your policy should be customised for you. We offer several policy
add-ons popular with older travellers:
- Cruise cover – protects against missed port stops,
medical evacuations, cabin confinement and more. - Golf cover – protects clubs and green fees.
- Gadget upgrade – for smartphones, tablets and e-
readers (especially valuable when travelling with
grandkids). - Another product - Car Hire Excess – great for road
trips in Europe or the US. - Winter Sports Boost – for skiing trips (usually up to
age 65).
Add only what you need! The result? Better value for
money and a tailored fit, so you can be sure your policy is
working for you every step of your journey.
GHIC/EHIC & Reciprocal Care
The UK’s Global Health Insurance Card (GHIC) offers some limited reciprocal healthcare across Europe, which is helpful. However, it’s not a substitute for having insurance.
.png?width=1072&height=798)
Here’s why:
- GHIC doesn’t cover these: private hospitals,
repatriation flights, or delays/cancellations. - One card per traveller: family members must each
apply. - Always combine GHIC with full insurance for complete
protection, so you are in the best possible position
should you find yourself in a tricky situation.
Gigasure App, the Fastest Way to Make a Claim
The Gigasure app takes the hassle out of submitting claims. Simply log in, select the relevant policy, and kickstart the process. The app pre-populates most of the required information available on your account, eliminating the need to search through old emails or documents. From there, just follow the remaining steps, and you can submit your claim in moments. It's a seamless, streamlined experience that gets your claim submitted quickly, saving you valuable time and frustration.
.png?width=607&height=526)
Your Policy
Your Trip
Your Claim
Supporting Documents
Submit
Submit your claim now
.png?width=844&height=1144)
Why Choose Gigasure
Gigasure also proudly offers Gigashield. GigaShield is a set of instant cash benefits designed to support travellers
facing flight or baggage delays. It includes two key features: GigaShield Flight Delay and GigaShield Baggage Delay.
Frequently Asked Questions
coverage, prescription replacement, and protection against trip cancellations. Gigasure offers single-trip policies
for travellers up to age 85, depending on the destination, and annual cover up to age 79. Declaring medical
conditions is simple with our easy online process, making it straightforward to get the right protection in place.
medical conditions. It should also offer optional extras to suit your travel style, whether you’re cruising, golfing, or
bringing tech along. Gigasure makes it easy to tailor your policy so it fits your plans, not a one-size-fits-all template.
customizing your policy. For example, removing unnecessary extras or choosing a higher excess. Shopping around
and being clear about your needs can make a big difference.
they live at the same address, if not they will require a separate policy. Each traveller must be named individually
and meet eligibility requirements, but it’s a convenient way to stay covered together.
travel with a copy of your prescription or GP summary to speed up treatment if needed. If you’re unsure, the 24/7
helpline is always ready to assist.
positive before travelling or fall ill abroad, you’ll be supported under your policy terms. Just check the latest travel
advice before booking.