All pre-existing conditions considered
No upper age limit on single-trip policies
Rated 5-Star by Defaqto for Premier cover
Reaching your 70s shouldn't stop you from exploring the world with the peace of mind insurance brings. Post Office Travel Insurance has no maximum age for single-trip policies and can cover many pre-existing health conditions.
Round-the-clock access to an English-speaking doctor2 through your phone, or arrange a visit to your hotel
A 5-star Defaqto rating on Premier policies and several industry awards1
Cruise cover, excess waiver and more add-ons available if your trip needs them
Get a quote online in minutes
Grandchildren under 18 with no medical conditions go free on family policies
Over £79 million paid out in claims over the last 5 years
Economy, Standard and Premier give you three different levels of protection, and the gap between them is mostly in the cover limits, particularly for medical expenses. Since the cost of treatment abroad is usually the biggest financial risk from your 70s onwards, that's the figure worth checking closely before you decide.
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Economy Insurance Product Information Document (IPID) Emergency medical expenses and getting you back home Up to £5 million Cancellation and cutting short your trip Up to £1,000 Baggage (personal possessions) Up to £1,500 Money Up to £250 Missed departure n/a |
Standard Insurance Product Information Document (IPID) Emergency medical expenses and getting you back home Up to £10 million Cancellation and cutting short your trip Up to £3,000 Baggage (personal possessions) Up to £2,000 Money Up to £350 Missed departure Up to £750 |
Premier 
Insurance Product Information Document (IPID) Emergency medical expenses and getting you back home Up to £15 million Cancellation and cutting short your trip Up to £5,000 Baggage (personal possessions) Up to £3,000 Money Up to £5003 Missed departure Up to £1,500 |
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|---|---|---|---|
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Insurance Product Information Document (IPID) |
Insurance Product Information Document (IPID) |
Insurance Product Information Document (IPID) |
Insurance Product Information Document (IPID) |
|
Emergency medical expenses and getting you back home |
Emergency medical expenses and getting you back home Up to £5 million |
Emergency medical expenses and getting you back home Up to £10 million |
Emergency medical expenses and getting you back home Up to £15 million |
|
Cancellation and cutting short your trip |
Cancellation and cutting short your trip Up to £1,000 |
Cancellation and cutting short your trip Up to £3,000 |
Cancellation and cutting short your trip Up to £5,000 |
|
Baggage (personal possessions) |
Baggage (personal possessions) Up to £1,500 |
Baggage (personal possessions) Up to £2,000 |
Baggage (personal possessions) Up to £3,000 |
|
Money |
Money Up to £250 |
Money Up to £350 |
Money Up to £5003 |
|
Missed departure |
Missed departure n/a |
Missed departure Up to £750 |
Missed departure Up to £1,500 |
3Increased to £750 if you bought your foreign currency from Post Office.
Being over 70 doesn't rule out cover for a pre-existing condition. Every condition you tell us about is assessed on its own terms, including ones that become more common later in life, such as heart conditions, diabetes or reduced mobility. If a particular condition means we can't offer cover ourselves, we'll put you in touch with a specialist insurer who deals with those cases.
Accuracy matters here. Even a condition that's stable and well controlled needs to be declared, and a long-standing one needs re-confirming each time you renew. Missing this out can mean a claim doesn't get paid.
Not every health concern abroad needs a trip to A&E. Medical Assistance Plus2 connects you with an English-speaking doctor by video call, or at your hotel room or a local clinic, so you can be seen without the added stress of a language barrier or an unfamiliar healthcare system.
If you need medication afterwards, it can be sent to a pharmacy nearby, so there's less time spent working out how to get a check-up when you want to be enjoying your holiday.
Single-trip cover has no maximum age, but the length of trip you can insure does shrink over time. Between 70 and 75, you can cover a single trip of up to 90 days. From 76 onwards, that drops to 31 days.
Annual multi-trip cover has its own cut-off. It runs up to age 75, covering an unlimited number of trips of 31 days or less across a 12-month period, with trip extension available as a paid add-on if you need it. Past 75, single-trip cover becomes the way to insure each holiday with Post Office Travel Insurance.
No two trips need exactly the same policy. Certain add-ons are compulsory depending on what you're doing, cruise cover and winter sports cover being the main two, while others such as an excess waiver are there if you want them. Each one comes with an additional cost to your premium, you simply select which add-ons you'd like when you get a quote.
This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19
If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees
Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles
Specialist cover is mandatory for winter sports like skiing and snowboarding as there’s a greater risk of emergency costs. Make sure you’re protected on the pistes
If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more
Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days
Not for single-trip cover, no. Annual multi-trip cover stops at 75, after which single-trip policies are the way to insure each holiday, with cover for trips of up to 31 days once you're 76 or over.
You'd move to single-trip cover instead. You can still take more than one trip a year, you'd just need to insure each one separately.
Yes. Conditions need to be reconfirmed each time you renew or take out a new policy, even if nothing about your health has changed since the last one.
Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited (company number 02154540) and Post Office Management Services Limited (company number 08459718) are registered in England and Wales. Registered Offices: Post Office Limited, 100 Wood Street, London, EC2V 7ER. Post Office Management Services Limited: 2nd Floor, MYO, One New Change, London EC4M 9AF. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
1 Post Office also won a Best Travel Insurance Provider award at the Your Money Awards in 2022, 2023, 2025 and 2026.
2 Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.