in under 5 days
When the unexpected happens abroad, Shield moves faster than your return flight.
Eighty-two is not a pre-existing condition.
Every other provider draws a line at seventy-five, or seventy, or sixty-five — and calls it policy. We call it an opportunity. Shield covers travellers of every age, from a first post-retirement cruise to a ninetieth birthday safari. The only number that matters is your medical history, not your birth year.
Your cardiologist already said yes. So do we.
Managed atrial fibrillation. Controlled type-2 diabetes. A replaced hip from 2019. These are the entries that cause other insurers to issue a polite decline. Shield's medical screening asks the right questions, then covers the answers — including medication lists, recent procedures, and ongoing monitoring. We cover the condition, not the assumption.
The bill lands with us, not in your inbox.
A hospitalisation in Bangkok shouldn't come with a five-hundred-pound excess waiting for you when you land back at Heathrow. Shield's medical emergency cover carries zero excess — so when our claims team calls the hospital directly, the conversation is about your treatment, not about payment plans.
The agents stopped apologising. Their clients noticed.
Independent travel agents used to dread the call from the couple in their late seventies wanting three months in Australia. Now they ring us first. Shield's agent portal returns an indicative quote in ninety seconds, with a shareable PDF for the client. No hold music. No age-cap conversation. Just a quote that works.
Backed by the
names you know.
Shield is underwritten by Lloyd's syndicates and regulated by the FCA. Every badge on this page is earned, not bought — and every one of them means your claim is backed by institutions that have been paying them for decades.
Syndicate underwriter — the world's specialist insurance market, underwriting Shield policies since 2018.
Member No. Y6281. ABTA membership means your booking is protected under a strict code of conduct.
ATOL Protected No. 11847 — your package holiday money is safe even if the operator fails.
Authorised and regulated by the FCA (Reg. No. 912340). All policies meet UK regulatory standards.
Shield's emergency protocols are aligned with FCDO travel advice and consular assistance networks.
ABI member — committed to fair treatment of customers across all age groups and medical profiles.
Download the
Over-75s Cover Guide
Forty pages of plain-English cover explanations, a complete list of included conditions, and a worked example of a real claim from first call to settlement. No jargon. No small print surprises.
- ✓Full list of 847 covered medical conditions
- ✓How to declare pre-existing conditions correctly
- ✓Real claim timelines — average 4.2 days
- ✓Destination-specific cover notes for 180+ countries
Check Your
Conditions — Free
Answer eight questions about your medical history and travel plans. We return an indicative quote in ninety seconds — no commitment, no card details, no phone call required.
Cardiovascular conditions — AF, angina, bypass history
Metabolic — diabetes, thyroid, kidney function
Neurological — stroke history, epilepsy, Parkinson's
Oncology — current treatment, remission status