Travel insurance for over-70s wintering in the Canary Islands is available, but it costs more, has more age and trip-length limits and needs careful declaration of medical conditions. Specialist insurers for older travellers and pre-existing conditions are usually the best place to start.
What makes it different
- Age limits: some policies stop at 70, 75 or 80, or cap trip length for older travellers.
- Trip length: long-stay cover is harder to find for over-75s.
- Medical screening: every condition and medication must be declared.
- Price: rises with age and the number of conditions.
How to find a good policy
- Use specialist insurers for older travellers and those with medical conditions.
- Compare quotes for the exact length of your stay.
- Check whether you can return home mid-trip.
- Read the exclusions for your conditions carefully.
- Consider a broker if you have several conditions.
Questions to ask
| Question | Why it matters |
|---|---|
| What is the maximum trip length at my age? | Some policies end your cover after 30-60 days |
| Are my declared conditions covered? | Undeclared conditions can void a claim |
| Is repatriation included? | Getting home by air ambulance is very expensive |
| What is the excess? | Affects every claim |
Use your GHIC too
The GHIC covers necessary state treatment and may reduce the cost of a claim. Some insurers waive the excess if you use it.
Our verdict
Start early, declare everything and use a specialist. See also Best Places in the Canary Islands for Retirees in Winter.