{"id":185,"title":"Costco, Staysure and Aviva Travel Insurance in the UK: A Guide for Older Travellers","slug":"costco-staysure-and-aviva-travel-insurance-in-the-uk-a-guide-for-older-travellers","lang":"en","description":"UK travellers researching Costco, Staysure and Aviva should understand that these names do not necessarily represent identical services. Costco Compare operates as a comparison service through which users can review travel insurance quotations, while Staysure is known for specialist travel insurance aimed at older travellers and people with medical conditions. Aviva offers its own travel insurance products, subject to stated age and eligibility restrictions.","content":"

Which Travel Insurance May Suit Over-55s Best? Compare Cover & Deals 2026

When reviewing which travel insurance may suit over-55s best, UK travellers can compare cover and deals for 2026 by examining three areas: Medical Conditions, Cover Level, and Value / Deals.

Costco Compare may provide Selected Options, a Flexible choice of policy features and potentially Budget-Friendly quotations from participating insurers. Aviva may offer Screening-Based Cover for declared medical conditions, with policy options described as Comprehensive and potentially providing Good Overall Value, subject to eligibility, age limits and medical screening.

Staysure may be considered by travellers seeking Strong Condition Support, an Extensive level of cover and information about whether a Seasonal Discount Available applies at the time of obtaining a quotation. Travellers who choose to View Deals should compare the policy wording, medical-condition acceptance, excess, cancellation limits and emergency medical benefits rather than relying solely on the displayed price or general comparison labels.

Why Age and Medical History Matter

Travel insurers assess risk using several factors, including the traveller’s age, health, destination and planned activities. Older applicants may face higher premiums because insurers consider them statistically more likely to require medical treatment or cancel a trip for health-related reasons.

A pre-existing medical condition may include a diagnosed illness, a condition for which medication is taken, an ongoing investigation, recent surgery or a change in treatment. The exact definition varies by insurer, so applicants should read the policy wording and answer all medical screening questions carefully.

MoneyHelper advises travellers with medical conditions to tell their insurer about relevant health issues. Failure to disclose a condition could invalidate the policy or result in a claim being rejected. It also notes that travellers over 65 or those with medical conditions may need to consider specialist insurance providers.

When comparing Insurance with Medical Conditions, travellers should therefore look beyond the initial premium and examine whether the declared condition is actually covered.

Using Costco Compare for Travel Insurance

Costco Compare provides a platform through which UK consumers can compare travel insurance quotations. Its travel insurance service states that Costco members may receive an exclusive discount, although non-members may also use the comparison service without receiving the membership-related discount.

A comparison service can be useful for reviewing policies from several participating insurers in one place. Users may be able to compare single-trip and annual multi-trip options, different excess levels and varying limits for medical expenses, cancellation and baggage.

However, the lowest displayed price should not automatically be treated as the most suitable option. A policy may appear inexpensive because it has:

A higher excess
Lower cancellation limits
Restricted medical-condition cover
A narrower geographical area
Lower baggage or personal-money limits
Stricter trip-duration or age restrictions

Consumers searching for the Cheapest Travel Insurance for Seniors should compare policies on equivalent terms. A slightly higher premium may provide materially broader protection, particularly where medical screening, cruise cover or long-distance travel is involved.

It is also important to confirm which insurer underwrites the selected policy. Claims, exclusions and customer support will normally depend on the insurer named in the policy documents rather than on the comparison platform itself.

Staysure Travel Insurance for Older Travellers

Staysure specialises in travel insurance for older people and customers with pre-existing medical conditions. Its published information states that cover is available for travellers of all ages and that it may consider more than 1,300 medical conditions, subject to medical screening and policy terms.

This makes Staysure potentially relevant to travellers researching:

Travel Insurance for Over 75s
Insurance for Over 80s
Travel cover after recent treatment
Cover for several medical conditions
Policies for travellers taking regular medication

Staysure offers single-trip and annual multi-trip policies, with cover potentially including emergency medical expenses, cancellation, baggage and repatriation. The exact benefits and monetary limits depend on the selected policy level.

Travellers should not assume that every declared condition will automatically be accepted. Medical screening remains important, and a policy may include an additional premium, exclusions or specific conditions. Trip length may also affect eligibility. For example, Staysure’s published long-stay information describes separate age and duration rules for extended travel, demonstrating why customers should check the requirements for their particular trip rather than relying on general age-related marketing.

For older travellers who have found standard policies restrictive, a specialist provider may be worth considering alongside comparison-site results and independent brokers.

Aviva Travel Insurance and Age Limits

Aviva offers single-trip and annual multi-trip travel insurance under its current Signature travel insurance range. Its published product information states that new customers can obtain this cover from age 16 up to age 79, subject to eligibility and policy conditions.

Aviva’s standard annual multi-trip policy covers multiple journeys during the policy period, while its single-trip policy is intended for one specified trip. Trip-duration limits apply, and travellers may need to pay an additional premium for certain extensions or optional cover.

Because Aviva’s standard product is generally limited to applicants under 80, it may be suitable for some people looking for Travel Insurance Over 70 or Travel Insurance for Over 75s, but it is not normally the direct standard option for a new applicant aged 80 or above.

Aviva’s travel insurance FAQ states that customers aged 80 or over may be referred to its business partner, AllClear Travel Insurance Services, for a quotation.

This distinction is important. An older customer should verify which business is providing the quotation, which insurer is underwriting the policy and whose terms and claims process will apply.

Comparing Costco, Staysure and Aviva

The most appropriate option depends on the traveller’s individual circumstances.

Costco Compare may suit someone who wants to review quotations from several participating insurers and check whether Costco membership provides a pricing benefit. Staysure may be relevant for travellers who need specialist consideration because of age or medical history. Aviva may suit eligible travellers under 80 who want to consider a policy from a large mainstream insurer.

A useful comparison should include the following areas.

Emergency Medical and Repatriation Cover

Check the maximum medical-expense limit, whether repatriation is included and whether declared conditions are covered. Medical costs can be particularly high in destinations such as the United States.

Cancellation and Curtailment

The cancellation limit should be sufficient to cover prepaid flights, accommodation, tours and other non-refundable bookings. Review the circumstances in which cancellation is covered.

Excess

The excess is the amount the policyholder may need to contribute towards a claim. Some policies apply an excess to each insured person or each section of a claim.

Destination and Trip Duration

European cover may not include every country, while worldwide policies may be offered with or without the United States, Canada or the Caribbean. Annual policies also impose a maximum duration for each individual trip.

Medical Screening

Declare medical conditions accurately, including medication changes, recent appointments, planned treatment and hospital investigations where requested. Contact the insurer if health circumstances change after the policy is purchased.

Cruises and Activities

Cruise holidays, winter sports and higher-risk activities may require additional cover. Do not assume they are automatically included.

How to Search for an Appropriate Price

There is no single provider that will always offer the cheapest policy for every senior traveller. Premiums are calculated individually, and the least expensive option can change according to age, destination, medical conditions and trip value.

To compare prices fairly, use the same traveller details, destination, dates and coverage limits for every quotation. Review specialist providers as well as comparison services, because MoneyHelper notes that some insurers may not appear on mainstream comparison websites. It also provides a directory for people who have serious medical conditions or difficulty finding insurance.

Travellers who cannot find suitable cover may also consider speaking to an insurance broker through the British Insurance Brokers’ Association.

Conclusion

Costco Compare, Staysure and Aviva offer different routes for UK travellers researching travel insurance. Costco Compare is primarily a comparison platform, Staysure focuses strongly on older travellers and medical conditions, and Aviva’s standard travel insurance is generally available to eligible new customers under 80.

People seeking Insurance for Older People, Travel Insurance Over 70, Travel Insurance for Over 75s or Insurance for Over 80s should compare more than price. Age eligibility, medical screening, excesses, cancellation limits, emergency medical cover and policy exclusions are all central to determining whether a policy is appropriate.

Careful disclosure and a detailed reading of the policy wording can reduce the risk of discovering important restrictions only after a claim occurs.

Disclaimer

This article provides general information and does not constitute financial, medical or insurance advice. Product features, premiums, age limits, eligibility rules and coverage details may vary by provider, location, medical history and individual circumstances. Always review the latest policy wording and confirm details directly with the relevant provider before purchasing insurance.

References

MoneyHelper, travel insurance guidance for older travellers and people with medical conditions
MoneyHelper Travel Insurance Directory
Costco Compare UK travel insurance information
Staysure travel insurance information for seniors and pre-existing medical conditions
Aviva UK travel insurance product pages and frequently asked questions
British Insurance Brokers’ Association guidance and broker directory

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