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Travel Insurance for Over 80s

Helping the over 80s find the right travel protection.

  • No upper age limit
  • 24/7 medical assistance helpline
  • 99% of pre-existing medical conditions covered

You’re on the right track. We’re just taking you to the AllClear website for a quote

Age Co Travel Insurance is provided by our trusted partner, AllClear. You’ll be able to get a quote easily through their site. Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co’s. If you’re happy to leave the Age Co website, simply click ‘continue’ and you’ll be taken to the relevant AllClear page.

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Age Co is 100% owned by Age UK and gives its profits to the charity. In the last 5 years Age Co has donated more than £12m to Age UK

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Can over 80s get travel insurance?

While some providers can exclude older travellers, there are still plenty of options out there. At Age Co, our Travel Insurance has no upper age limit. We also offer a range of features that many older travellers can enjoy, including protection for medical equipment and travelling companions, such as family or a carer. This means you can travel with confidence at any age. So whether you’re off on a European mini-break or a longer sunny getaway, you can find the right protection with Age Co.

Choosing Age Co for over 80s travel insurance

Age Co Travel Insurance offers a wide range of benefits suitable for travellers over 80, including:

  • 24/7 medical assistance, included as standard
  • Cover for over 1,300 medical conditions
  • Up to unlimited emergency medical and repatriation cover
  • Protection for personal items and medical equipment
  • UK, Europe and Worldwide destinations
  • Cancellation cover in case of illness, including Covid

Travelling with pre-existing medical conditions

As we get older, there is a higher chance of a medical condition developing. But this doesn’t have to get in the way of your holiday plans. Age Co Travel Insurance is provided by AllClear, who are medical condition specialists. And they’re able to approve 99% of pre-existing conditions, including:

  • Heart conditions
  • Back problems
  • Liver disease

Will I have to pass a medical test to get over 80s travel insurance?

It is unlikely that any medical test will be required by your insurer. While inquiring about a quote, simply declare your known medical conditions to find out what cover options are available for your trip. Never be tempted to omit any conditions, as this can put you at risk of invalidating your policy.

Over 80s travel insurance: optional extras

No two travellers are the same, which is why Age Co Travel Insurance offers a range of Optional Extras. Available for all three levels of cover, you can choose to tailor your coverage with any of these optional extras.

Travelling companion cover: if you’re travelling with a friend or family member who is insured by another provider, this will cover the cost of their cancellation or curtailment, should you become unwell and aren’t able to travel.

Waiting list cover: protects you in the event of any pending medical treatment getting in the way of your holiday. For example, if a scheduled operation is brought forward and your trip needs to be cut short.

Gadget cover: we offer extra protection for items such as cameras, mobile phones, tablets, and laptops. Should they be lost, stolen or suffer from accidental damage, you’ll be covered for up to £2,500.

Golf cover: keen golfers can get peace of mind for their next big trip with cover that includes protection for both equipment and green fees.

Natural disaster cover: if your trip is disrupted by unforeseen circumstances, such as wildfires or a typhoon, you’ll be compensated for flight and accommodation costs.

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Choose from three levels of cover

Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided by AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section .

Policy Document

Gold Product Information Document IPID

Gold Increased Excess Product Information Document IPID

Gold Excluding Cancellation Product Information Document IPID

Gold Plus Product Information Document IPID

Gold Plus excluding cancellation Product Information Document IPID

Platinum Product Information Document IPID

Frequently asked questions

With Age Co, your age won’t exclude you from any of our cover options. What’s excluded from your policy will depend on the level of protection you choose. At Age Co, we offer three levels of travel insurance, as well as a range of extras. If you want to make sure you’re fully protected, it’s worth reading the terms and conditions, so you understand what you’ll be covered for while away. You can also talk to the provider and ask them for more information on your travel insurance options.

For help selecting your policy, please call: 0800 030 4885 Lines open: Mon-Fri: 8.30am – 8pm; Sat: 9am – 5:30pm; Sun: 10am – 5pm. Excluding bank holidays. Calls will be recorded.

The price of your travel insurance will depend on a number of different factors, including:

  • Destination
  • Length of stay
  • Medical history
  • Planned activities
  • Desired level of coverage

For travellers over 80, who may have a pre-existing condition, you could consider opting for more cost-effective holidays to offset any additional insurance costs if you're on a budget. For instance, holidays in Europe cost less to insure than those in America, due to the latter’s expensive healthcare system. You’ll also find costs go up for cruise holidays, as health emergencies at sea can incur higher costs, and you’ll often need to add extra protection to your standard policy to account for this.

If you’ve got the means to get there, then nowhere is off-limit. However, certain destinations will cause the price of your travel insurance to go up. This will either be down to the high price of healthcare in that country (for instance, the USA ) or because there is a greater risk of catching a disease while aboard (countries known for tropical diseases). For older travellers, it’s worth bearing in mind that you’re unlikely to be covered if you’re travelling against the advice of your doctor.

Yes. If you’re over 80 and want to bring medical equipment or a carer on your next holiday, Age Co Travel Insurance can help offer protection. Medical equipment is covered as standard on all policies. You can also choose to include Travelling Companion Cover, which is available as an optional extra. Whether your companion is a family member, friend, or carer, this will cover any expenses that occur should you be unable to travel and have to cancel your trip.

Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.

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Travel Insurance For Over 80s

  • We cover all pre existing medical conditions, and our policies have no upper age limits.
  • Our 5-star policies will give you peace of mind, so you can relax and enjoy your holiday.

Defacto Rated

Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.

What is Over 80s Travel Insurance – and do you need it?

Over 80s Travel Insurance is designed to cover you for a variety of risks related to travelling at an older age. As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation. 

Here are a few reasons to get your over 80s Travel Insurance with AllClear:

  • The joy of travelling worry-free: With AllClear, you can travel confidently knowing you’re protected every step of the way. From trip cancellations and lost baggage to specialist medical cover around the world, you can travel with peace of mind, focusing solely on the enriching experiences of your trip
  • Specialist medical cover: We have over 20 years of experience as Medical Travel Insurance specialists, covering 1,300 different medical conditions, including common pre-existing conditions like high blood pressure , cancer and diabetes .
  • Repatriation cover: If you don’t have repatriation cover and you need an air ambulance back to the UK, this could cost you anywhere between £10,000 to upwards of £50,000 . You’d then need to add the expense of any medical treatment on top of that. Our Over 80s Holiday Insurance can cover you for these costs.
  • No upper age limit: Whether you’re booking a Single Trip policy or travelling with family and friends, our policies have no upper age limit. This means we can offer you tailored Travel Insurance for your 80s and beyond.

What does AllClear’s Over 80s Travel Insurance cover?

Travelling in your 80s doesn’t have to be stressful or difficult, it should be invigorating and exciting. 

Our Over 80s Travel Insurance policy covers everything included in our standard Travel Insurance policy, with no upper age limit.

What’s covered?

  • Medical expenses – We can cover emergency medical treatment you need while travelling. This includes any pre-existing medical conditions you’ve declared
  • Medical aids – We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence
  • Medication – If you lose your prescription medication during your trip, we will cover and help you replace it
  • Repatriation – This covers the cost of emergency medical transport back to the UK, which could otherwise cost tens of thousands of pounds
  • Lost luggage – We will cover the cost if your baggage is stolen or damaged, so you can replace your important items
  • Cancellation and curtailment – Provides cover if you have to cancel your trip due to reasons beyond your control
  • Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted

What’s not covered?

  • Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
  • Missed flights within your control – Unfortunately, we can’t cover missed flights due to personal errors
  • Choosing not to travel – We know that sometimes plans change, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
  • High-risk activities – Our standard policy doesn’t cover these activities, but you can add Optional Extras to include some activities. However, our optional Winter Sports cover is only available up to the age of 65
  • Accidents under the influence of drugs or alcohol – While we want you to enjoy your trip, safety comes first. If an accident occurs due to drugs or alcohol, we cannot cover your claim

Our different policy types can be found below. We have three different types to choose from, Gold, Gold Plus and Platinum. 

If you’d like some help choosing which is best for you, give us a call .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Over 80s with pre-existing medical conditions

We understand that finding travel insurance in your 80s can sometimes be difficult. This is typically because the risk of insuring older travellers is higher. Existing medical conditions are more common, and these can lead to a higher risk of travel-associated issues like infections and injury. 

However, as a specialist medical Travel Insurance provider for travellers 80 and over, we can help you find a policy tailored to your specific needs.

Here are some of the most common medical conditions we cover:

  • Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
  • Chronic illnesses – According to NCOA research, nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , IBS, gallstones and other long-lasting chronic conditions.
  • Respiratory problems – Respiratory conditions include asthma , causing breathing difficulties, and COPD , leading to airflow obstruction and breathing difficulties.
  • Neurological conditions – These are disorders affecting the brain and nervous system, like strokes , epilepsy and multiple sclerosis .
  • Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes .
  • Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis .
  • Mental health – Including anxiety and depression.

Find the best over 80s Travel Insurance for your trip

We tailor policies to suit your travel needs. Whether you’re off to enjoy a cruise across the Caribbean or a staycation with your family in Cornwall, we’ll help you find a policy suited to your needs. 

Here are a few options to help you choose what you might need:

  • UK Travel Insurance is ideal if you’re looking to enjoy the UK’s stunning holiday offerings. This type of policy covers you for things like cancelled accommodation and travel delays
  • Cruise Travel Insurance keeps you protected from all medical emergencies and accidents onboard. It also covers you for cruise disruptions, cabin confinement and missed port departure
  • Family Travel Insurance covers you, your friends and your family under a single policy. This means complete protection for everyone involved
  • Worldwide Travel Insurance is what you need to protect you for all the essentials, wherever you travel
  • Annual Travel Insurance is popular among older travellers. If you’re planning on more than one trip within 12 months, Annual Travel Insurance can be a cost-effective option
  • We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and more.

How our Travel Insurance for Over 80s works: A simple 3 step quote process

Before you set off on your travels, you’ll need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

Our experts say…

“Travel insurance is a must-have for anyone who wants to explore the world, but especially for over 80s. You can cover yourself for unexpected medical expenses, trip cancellation, lost luggage, and more. Travel Insurance can also give you peace of mind and confidence to enjoy your trip without worrying about what might go wrong. You never know when you might need it, so it’s better to be safe than sorry. Travel insurance for over 80s is affordable and easy to arrange.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

We have over 20 years of experience as specialists covering older travellers, and we’re confident we can find a policy that suits you. 

Hear from those who have already discovered and travelled with AllClear.

What our Customers Say

Excellent and reassuring service.

“As I will be 80 later this year, the travel insurance I have with my bank will no longer apply. So, I needed to secure another comprehensive policy for a future cruise. I had been recommended AllClear by fellow cruisers; who in their own words have significant medical conditions. I have now arranged an AllClear policy and would like to place on record that the service I received from Liz was absolutely first class. She explained everything and updated a previous quote which I had obtained on-line. She was patient and gave me all the time I needed.

This gave me the confidence that I was dealing with a quality organisation. I had previously been concerned that it would be difficult and expensive to obtain insurance at my age and with my medical history. I am fit but have had past operations and treatments; and still need eye treatment. I need not have worried. AllClear is geared up to welcome the ‘mature’ traveller. I highly recommend this company.” – Simon

Frequently asked questions on over 80s Travel Insurance

Why does travel insurance cost more when you turn 80.

Unfortunately, the cost of Travel Insurance usually increases with age. This is because older people are more likely to need emergency medical treatment on holiday. Over 80s are also at a higher risk of infection or injury when travelling. 

So, premiums increase to cover the higher risk.

Does Travel Insurance have upper age limits?

We do not have an upper age limit for Travel Insurance. The only exception is for Winter Sports, which is up to age 65.

What does Travel Insurance for Over 80s cover?

Over 80s Travel Insurance covers everything included in our standard Travel Insurance policy, with no upper age limit. This includes everything from specialist emergency medical cover for seniors, as well medical aids, medication and repatriation cover.

It also includes standard things like trip cancellation, travel delays, baggage loss and personality liability protection.

When should you buy Over 80s Travel Insurance?

As with any policy, you can get your over 80 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. However, it’s beneficial to buy your Travel Insurance as soon as you book your trip.

You can buy Single Trip Travel Insurance up to 12 months before your trip. The cover begins immediately after purchase if you have chosen a policy that includes cancellation cover.

You can buy Annual Travel Insurance up to 60 days before your chosen start date. Cover will only begin on the chosen start date of your policy.

Do you need Over 80s Travel Insurance if you have a GHIC card?

Yes, Over 80s Travel Insurance is essential, even if you have a GHIC or (previously EHIC) card. 

While a GHIC card does provide cover for medical emergency expenses, it will not cover transport to the hospital. 

Additionally, a GHIC card will not cover you for travel delays, cancellations or lost luggage.

What factors will affect the cost of over 80s Travel Insurance?

Age and medical conditions are two of the important factors we take into account when determining your premium. 

Other factors include the destination, duration of the trip, level of cover, and any pre-existing medical conditions you have declared.

Can someone else join your Travel Insurance policy if they're under 80?

Yes, you can travel in a group of all ages, whether that’s friends or family. This can be done through our Group Travel Insurance policy during your quote process.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following locations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip

  • United Kingdom
  • Cruise Travel Insurance
  • Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 4 April 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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Travel Insurance for Over 80s

Get your quote for over 80s travel insurance – find cover for hundreds of pre-existing medical conditions, we help you find an over 80s travel insurance policy that provides medical cover for unexpected and unforeseen circumstances – get your quote today..

There is no age limit to living life to the fullest, spending time with loved ones, and seeing the world. At Just Travel Cover, we believe nothing should stand in your way – including Travel Insurance over 80!

It is important to have the right level of Travel Insurance cover when you get to the age of 80, especially if you suffer from any pre-existing medical conditions. We want to ensure help and protection are available if needed during your holiday. Once you’re 80 or over, securing senior-appropriate Travel Insurance with medical conditions can be difficult due to the expensive premiums and limits on cover. Just Travel Cover offers reasonably priced, tailored over 80s Travel Insurance for all ages and hundreds of pre-existing medical conditions. We even offer Cruise Travel Insurance for over 80s! No matter your holiday, we have you covered.

Saving Time and Money on Travel Insurance for Seniors

We offer excellent, advanced over 80s Travel Insurance for seniors and OAPs, covering hundreds of pre-existing medical conditions. All we ask is for you to take a few minutes to complete our online medical screening so we can begin comparing policies. It is a fast, easy, and accurate process, ensuring your Medical Travel Insurance for over 80s quotes are tailored to your age, health and travel necessities. It is crucial that you declare your medical history, including all of your pre-existing medical conditions. If you do not declare all pre-existing conditions, your policy could be void should anything go wrong.

Travel Insurance for Pensioners with Medical Conditions

Our premium Travel Insurance for over 80s covers pre-existing conditions. Some of the medical conditions we offer cover include Heart Conditions, Type 1 and 2 Diabetes, Mental Health conditions and Cancer. We cover hundreds of pre-existing medical conditions.

Over 80 Travel Advice

Compare over 80 travel insurance, over 80s travel insurance faqs.

Frequently asked questions about our Over 80s Travel Insurance deals.

What is Over 80s Travel Insurance?

The older we get, the more important it is to get the right Travel Insurance , but the harder it can be to find, especially if you have pre-existing medical conditions. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

What does over 80s Travel Insurance cover?

If you arrange your over 80s Travel Insurance as soon as you’ve booked your holiday, you will be covered for trip cancellation. That way, if you need to cancel your trip for an insured reason, you’re protected. When you set off on holiday, you can relax knowing you have Holiday Insurance in place. If something should go wrong, know that you’re covered for emergency medical treatment (including for your pre-existing medical conditions ) as well as cover for your baggage should they be lost, stolen or damaged. For an additional premium, we offer smart luggage which offers real-time payments to your bank account should your luggage is delayed or lost.

Where can I go with Travel Insurance that covers the over 80s age group?

It can sometimes be difficult to get Travel Insurance if you’re over 80 and travelling to certain long-haul destinations such as the USA, Canada, or Australia. At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history. The comparison is done for you! Note that all quotations are subject to medical screening.

How much does over 80s Travel Insurance cost?

Our over 80s Travel Insurance policies are personalised to you and your needs. Therefore, the costs will differ depending on your circumstances, destination and length of your trip, as well as how far in advance you arrange cover. It’s important to remember that Travel Insurance for those over 80 is there to cover unforeseen costs like medical expenses, should you need emergency treatment on holiday. These bills can easily run into the thousands, and it’s reassuring to know you have adequate Travel Insurance for your age and medical conditions in place. For most quotations, we will provide a bronze, silver and gold level of cover so that you have the option to compare and take a policy to best suit your needs and budget.

Can I get Travel Insurance if I’m over 80 with a heart condition?

Yes, we have insurers on our panel with no age limit that specialise in Over 80s Travel Insurance for pre-existing medical conditions , including heart conditions such as angina or an irregular heartbeat. We can also provide over 80s Travel Insurance if you have had a heart attack. To get adequate cover, you need to declare your conditions during the medical screening process and answer the questions honestly.

Can I get Travel Insurance over 80 with diabetes?

Yes, we specialise in over 80s Travel Insurance for the elderly and all pre-existing medical conditions, including travel cover for type 1 and type 2 diabetes . When getting a quote online or over the phone we will ask you a few questions regarding insulin and hospital visits as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 80 and living with cancer?

It is our aim to help you find Travel Insurance at any age, including if you’re over 80, and living with pre-existing medical conditions, including cancer. We have policies with no age limit (single trip) and are able to provide cover for most types of cancer, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the cover you need.

If I’m over 80 can I get Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. When getting a quote online, you may be prompted to call us so we can explain the options for each insurer on our panel and provide the option to include or exclude these conditions. Our policies have up to £15m medical cover so you can travel safely knowing that you’ve got the right support if the unexpected happens. Find out more on our pre-existing medical condition page.

What options are available for life insurance for over 80 year olds in the UK?

Life insurance policies for individuals over 80 can vary, with options ranging from whole life to term insurance. It’s important to compare policies to find one that meets your specific needs and budget. At Just Travel Cover, we have partnered with the UK’s number 1 rated Life Insurance experts, iam|INSURED. They provide guaranteed life insurance if you are between 50-80 years old. Visit our life insurance page and see if there is a policy for you. Please note that over 80s life insurance is not the same as Travel Insurance, and you still need to take out a Travel Insurance policy when going on holiday.

What should old age pensioners (OAPs) consider when looking for Travel Insurance?

When seeking Travel Insurance for OAPs or old-age pensioners, you should consider a Travel Insurance policy that covers pre-existing medical conditions, an adequate cancellation cover that exceeds all expenses of the trip, and high medical cover with repatriation included. At Just Travel Cover, we will ask you a series of questions and then only show you policies that match your travel requirements, including Travel Insurance for OAPs policies tailored towards pensioners over 80.

Can I get Travel Insurance without medical cover?

No, medical cover is a crucial part of Travel Insurance, especially for travellers with pre-existing medical conditions or old age pensioners (OAPs) and those going to destinations where healthcare is expensive. At Just Travel Cover, we can offer emergency medical expenses and repatriation up to £10 million per person.

It is important to secure over 80s Travel Insurance with medical cover, as even in countries where medical expenses are covered by a UK GHIC or UK EHIC card, it is not a replacement for Travel Insurance. For example, the card will not cover being flown back to the UK (medical repatriation), treatment in a private medical facility, or ski or mountain rescue.

If you are holidaying in the UK, Staycation Travel Insurance can provide cover against loss or theft of baggage, cancellation, and curtailment.

Are cruises a good option for holidays for over 80s?

Cruises can be an excellent option for holidays for over 80s, as they offer a variety of onboard amenities and the chance to explore multiple destinations in a comfortable, accessible manner. Many cruise lines cater to older travellers with specific needs. Visit our Senior Cruise page for tips on cruise holidays over 80. 

Why Choose Travel Insurance for Over 80 Year Olds from Just Travel Cover?

At Just Travel Cover, we specialise in providing Medical Travel Insurance with no upper age limit and cover for pre-existing medical conditions (terms apply).   With our Travel Insurance for seniors with pre existing conditions, travellers over 80 can benefit from:

  • Single trip cover up to 94 days with no upper age limit
  • Hundreds of pre-existing medical conditions, including terminal prognosis covered
  • High levels of cancellation and emergency medical expenses cover
  • Lost documents, baggage, medications, and medical aids cover
  • Flexibility – 3 levels of cover to suit your needs
  • Travel companions can be included in the same policy
  • Zero excess policies available

Travel Insurance for Over 80s – What Are You Covered For?

  • Cancellation/ curtailment up to £12,500
  • Missed departure up to £1,000 per person
  • Baggage up to £3,000 per person
  • Emergency medical expenses and repatriation up to £10 million per person
  • Mobility aids up to £2,500 per person
  • Lost medications and medical aids up to £300 per person
  • 24/7 emergency medical assistance

Please note all cover limits are per person and vary by insurer.

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uk travel insurance for over 80s

Travel Insurance for Over 80s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for pre-existing medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Just some of the pre-existing medical conditions we cover:

  • Heart Conditions
  • Cholesterol
  • Joint Problems (arthritis, back pain)
  • Mental Health Conditions
  • Liver Conditions
  • Breathing Conditions
  • Circulatory Conditions
  • Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your pre-existing medical conditions in full and we will do the rest.

Fast, Easy, and Accurate Online Medical Screening

Our quick and easy online medical screening will take you just a few minutes to complete and allows you to compare Over 80s Travel Insurance policy quotes. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel Insurance quotes tailored to your health and travel requirements. Please have the following at hand:

  • Your medical history with important dates
  • Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, travel insurance for over 80s.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
  • 24/7 emergency medical helpline

uk travel insurance for over 80s

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Our over 80s travel insurance covers you for all the holiday essentials: medical emergencies, travel delays and cancellations. We have no age limits on our travel insurance and, if you declare any pre-existing conditions, we can cover those too for you. 

What is over 80s travel insurance and how does it work?

Over-80s travel insurance is a type of travel insurance policy that specifically caters to people over the age of 80. This means insuring you for unexpected events during or before your holiday. We’ll also cover any pre-existing medical conditions you declare.

Travel insurance is incredibly important, especially as we get older. You want to enjoy your retirement, not worry about unexpected expenses from holiday hiccups, like hospital trips.

So that’s why we’re here to keep you financially protected when you travel. So you can enjoy your trip without worrying about surprise costs.

What does InsureandGo’s over 80s travel insurance cover?

What’s covered.

All our yearly travel insurance policies include:

  • Medical emergency expenses cover
  • Cover for cancellation of your trip
  • Our 24-hour emergency assistance team , available to call, day or night, wherever you are
  • Over 100 sports and activities covered (see your policy wording for a full list of activities)
  • Personal belongings and baggage cover
  • Personal money, passports and travel documents cover
  • Accommodation cover
  • Legal expenses cover
  • Delayed departure cover
  • Personal accident cover

What’s not covered

We strive to provide the best cover possible,  however, there are some situations no travel insurance will cover. For example:

  • Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
  • Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
  • All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like snowing or snowboarding.

Trip length

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions.

If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best travel insurance for over 80s

If you’re heading off to do something special, your age shouldn’t stop you. That’s why we offer all sorts of extras for your travel insurance policy. 

  • Cruises : Adding cruise cover to your policy protects you against some cruise-specific mishaps, like a missed departure, cabin confinement, or even repatriation back to the UK from the sea. 
  • Single trip cover : Just heading abroad once this year? Single-trip travel insurance might be the way to go.
  • Golf : Rest assured on your golfing holiday with our golf holiday travel insurance, which covers your equipment, green fees and your golf clubs. 
  • Europe or worldwide cover: Taking a once-in-a-lifetime trip with multiple stops? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance . 
  • Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday, even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover .

Choose a cover level to suit your travel needs

Travel insurance for over 80s with pre-existing medical conditions.

At InsureandGo, we’re proud to offer travel insurance for medical conditions . Examples of medical conditions we can cover include:

  • Heart-related conditions
  • High blood pressure
  • High cholesterol
  • Disabilities
  • Epilepsy or Stroke

It’s important to declare any medical conditions you have before you buy your policy. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents . 

If you’d rather talk to someone with your questions, then please get in touch with us .

Which destinations are covered by over 80s travel insurance?

We offer over-80s travel insurance policies based on the following destination groupings:

  • Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
  • Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book travel insurance for over 80s

You should be free to enjoy your time, not bogged down sorting out travel insurance. That’s why we make getting an over-80s travel insurance quote as easy as possible. 

1. Let us know a little info

We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

After you’ve given us all the details we need, we’ll send you over a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.

“If you’re over 80 and booking your next trip, make sure to sort your travel insurance. his protects you against unexpected medical costs, including repatriation back to the UK. Plus, travel insurance for pre-existing medical conditions will also cover any lost medications, so you’re not caught short if you forget to pack something.” Letitia Smith – Travel insurance expert

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Frequently asked questions on travel insurance for over 80s

Can 80 year olds get travel insurance.

Yes, people aged 80 and over can get travel insurance. 

When buying travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses you might need. Each policy is different, so be sure you check yours.

What is the maximum age you can insure up to?

InsureandGo offers travel insurance with no upper age limit . Our policies always include cover for over 100 sports and activities, no matter what your age. Although our additional winter sports cover is only available up to age 65.

Will my policy be more expensive if I’m over 80?

The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as  golfing . 

Does my over 80s travel insurance change depending on where I’m going?

Yes. Policy premiums are affected by your destination, however this is the same for travellers of all ages. Prices differ because countries have different costs for medical treatment. For example, travel insurance for the USA costs more because medical treatment in America is a lot more expensive than the same treatment in certain European countries.

How long can I travel for if I’m over 80?

You can travel for as long as everyone else! Our policies do have trip limits, but these apply to all travellers, regardless of age. On our single-trip travel insurance , you can be abroad for up to 365 days if you want to!

Our annual multi-trip travel insurance allows you to travel as often as you like, but there’s a maximum number of days for each trip. Budget level policies provide cover for up to 31 days at a time, while Silver or Gold covers you for up to 45 days. Black policies can cover unlimited trips of up to 55 days.

Do I need a GHIC card as well as travel insurance?

The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country. While your Global Health Insurance Card or GHIC (previously EHIC) will cover you for medical expenses directly, it will not cover any additional holiday hiccups, like lost luggage or repatriation back to the UK. 

All British citizens are entitled to a  GHIC. These cards will cover any necessary treatments you may require in Europe. However, these cards do not replace European travel insurance , so make sure you arrange it before you travel.

What is considered a pre-existing condition for travel insurance?

It is considered a pre-existing condition if any person insured on a policy has:

  • Taken any prescribed medication or received medical treatment within the last 2 years
  • Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
  • Been advised of a terminal illness.

Before purchasing travel insurance for medical conditions , you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing condition before taking out your travel insurance policy, you will likely find that the entire policy becomes invalid, leaving you responsible for all costs incurred when abroad. This means not only medical bills but also transport to and from the hospital, as well as any other accidents, like lost luggage.

How far in advance should I get travel insurance?

Book your travel insurance as soon as you book your trip . Doing it like this means you’re covered if there are issues ahead of your trip. If you can’t do this straight away, get cover as soon as possible. It’s important to remember that your travel insurance will only be valid if you purchase it before you leave the UK. 

If you’ve booked any activities or excursions while on holiday, make sure you check the wording on your policy to ensure that the insurance covers any risks from these activities.

Who can buy an InsureandGo over 80s travel insurance policy?

All our over 80s travel insurance policies are available to UK residents. This means:

  • Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
  • They must be in the UK at the time of buying
  • All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our over 80s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

  • Unlimited emergency medical expenses available on Black level policies.
  • Based on 2,050 responses, correct as of 22/01/2024

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Over 80s Travel Insurance

Compare cover from as little as £34.09*.

Tommy Lloyd

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

What is travel insurance for over 80s?

At Medical Travel Compared - we believe that age is just a number, which is why we make it easy to find comprehensive holiday insurance for over 80s.

Age should never be a boundary for people who want to travel abroad, although medical coverage will normally be slightly more expensive due to the risk of somebody aged over 80 falling ill abroad in comparison to younger people. However, by comparing quotes, you are able to find cheap travel insurance for over 80s that will suit your needs and circumstances.

Try our easy-to-use quote comparison tool to compare a number of quotes from up to 30 specialist medical travel insurance providers and get cover in a matter of minutes.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Get travel insurance for over 80s with medical conditions

People aged over 80 can get specialised travel policies which include cover for pre-existing medical conditions. 

In fact, as a specialist  medical travel insurance  comparison site, we pride ourselves on helping customers of all ages find the right type of cover across a range of different conditions.

With cover for conditions including cancer and mental health issues , we can offer specialist advice and find a cover that suits your circumstances and protects you should you need medical treatment abroad.

Dr Sarah Jarvis, MBE

What is a pre-existing medical condition?

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

A pre-existing medical condition means a condition that you have been diagnosed, or treated for, prior to you taking out your travel insurance policy. This may be a health condition you have now or one that you no longer suffer from, but have had in the past. Whilst you’ll need to tell us about most pre-existing health conditions if you have been diagnosed or treated for them (including repeat prescriptions) within the last 2 years, some conditions, such as heart or respiratory-related conditions, we’ll need to know if you’ve ever had them.

Are there different levels of travel insurance for over 80-year-olds?

Once you start comparing quotes, you’ll find that cover generally varies from provider to provider. 

For example, one provider might offer more enhanced medical coverage than another provider - which is why our online quote comparison tool is so useful to customers, as it enables you to check where the best value is across a range of different quotes.

The cost will also vary depending on these factors - so it’s important to bear this in mind when comparing. You can also add extra cover for things like gadget protection or, if you are going on a holiday type which needs its own cover, such as a cruise holiday or winter sport holiday , we offer add-on cover.

What’s not covered by over 80s travel insurance?

Exclusions vary on a policy-by-policy basis and depend on the provider. 

Some of the common exclusions over 80s may encounter include:

  • Undeclared medical issues - you need to ensure that you claim your pre-existing conditions when you purchase the policy. Otherwise, they won’t be covered should you claim. 
  • Undeclared activities - the same applies to any activities that may carry a potential risk.
  • Undeclared belongings - some policies might not cover you for any particularly valuable nonmedical items. 
  • Unattended or unprotected belongings - some providers might argue that particular items need to have been secured if you want to claim.

Tips when buying travel insurance over 80

Tip 1: Buy travel insurance as soon as you've booked a holiday Congratulations on booking your trip! It’s a really exciting time. Our top tip is to buy your travel insurance as close to booking your holiday as possible to help cover any ‘just in case’ circumstances - such as last-minute cancellation or pre-trip illness.

Tip 2: Don’t forget to add your travelling companions If you insure yourself separately rather than with a group, you could find that you’re not fully covered in the event of cancellation of curtailment due to a pre-existing medical condition of someone else in your group. That said, if your companions have no pre-existing medical conditions, they’ll simply get added security if added to your policy.

Tip 3: Check the length of trip duration on annuals Make sure you check the maximum number of days allowed per trip in your annual travel insurance policy . If you’re looking to travel for more than 31 days, you might need a single trip policy for over 80s instead to cover a longer duration – typically up to 60 days. You might also find that some providers will be unable to offer annual cover altogether - in which case we’d advise looking for a single trip policy instead .

Compare the best deals and get cheap over 80s cover

We understand and appreciate that over 80s travel insurance might seem more costly that you’ve been accustomed to in years gone by.

You might therefore be tempted to go for a cheaper policy offering limited cover; however, we would always recommend carefully comparing policies to get the best deal, for the right level of coverage you need to ensure you’re fully protected, and you have total peace of mind.

The good news is that we’re on hand to help. We’re dedicated to making the process as simple as possible for you - comparing quotes from over 30 leading medical travel insurance providers. 

As a top-rated and highly-trusted price comparison site, we specialise in helping people with pre-existing medical conditions get the cover they need.

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Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all of your relevant pre-existing medical conditions, we'll only show you quotes based on the conditions you have told us about.

* Price is based on 1 traveller aged 83, who has no medical conditions and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

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Over 80s Travel Insurance

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Are you thinking about heading off on an adventure? No matter what stage of your life you’re in, the Holidaysafe team are on hand to provide you with cover. If you’re looking for over 80s travel insurance, we’re prepared to assess your situation and provide you with a policy to fit your needs starting from as little as £22.60¹.

Making the most of your retirement years is important. This period of your life is a fantastic time to get out and do what you’ve always wanted to but never had the time for. That means pushing yourself and setting new goals and challenges which you may not have thought about pursuing before.

Travelling is an experience you’ll never forget or regret – but, just as with anything in life, you never know what might happen. That’s not to say you should panic at all – more you just need to keep in mind how important it is to get the right cover policy. With insurance backing you up, you have the peace of mind to go out and enjoy your holiday to its fullest.

What Are The Benefits Of Over 80s Travel Insurance?

  • Featured on the Which? Best Rate tables ☆
  • Cover for coronavirus included as standard§
  • No upper age limits for single trip policies (depending on the outcome of your medical screening, your age, trip duration, and destination of choice)
  • A wide range of cover levels and extensions (our cruise extension will always be needed when cruising)
  • Specialist Protectif medical risk rating service available on every quote
  • Cover for cancellations, medical emergencies, loss of personal belongings and travel documents, and repatriation
  • Cover for UK, European and Worldwide destinations available
  • Discounts for couples

Travelling with a medical condition

You may have convinced yourself there’s no point in even trying to get over 80s travel insurance if you already have a medical condition. While it can be slightly more challenging to get insurance if you have an existing condition, it’s far from impossible.

At Holidaysafe, we’ll provide everyone looking to travel with a screening process using our Protectif Online Medical Screening process. This will highlight what kind of cover you’ll need, and how much you’re likely to be quoted. We cover a wide variety of medical conditions.

Some of the most common medical conditions that we cover include:

  • Diabetes (type 1 & type 2)
  • Heart Conditions
  • High Blood Pressure/hypertension
  • High cholesterol
  • Underactive thyroid/hypothyroidism
  • Food allergies and intolerances
  • And many more…

Remember – just because you have a condition doesn’t mean you won’t still be able to receive cover in one form or another. Don’t miss out on your chance to have the holiday of a lifetime.

As well as cover for medical conditions, you’ll also be able to make the most of a number of benefits, which are offered exclusively to our customers aged 80 and above. Make sure to take advantage of the amazing benefits we offer. No matter where you’re intending to head this year, Holidaysafe is the name to trust when it comes to your travel insurance needs.

Please see our other dedicated seniors travel insurance pages below:

  • Seniors Travel Insurance
  • Over 50s Travel Insurance
  • Over 65s Travel Insurance
  • Over 70s Travel Insurance

Get a Quote

You can find out more about the cover that we offer by taking a look at our  cover levels , our  benefits of travel insurance  or by  getting a quote.

  • Featured in the Which? Best Rate tables since 2010 ᶤ
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Award Winning Travel Insurance

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  • The British Travel Awards' Bronze Place in the 'Best Travel Insurance Provider' Category in 2017
  • Moneywise 'Most Trusted Travel Insurance Provider' in 2016
  • Moneyfacts ‘Travel Insurance Provider of the Year' 2014 & 2016

Travel Insurance Recommended Provider of the Year

¹ Pricing based on a 84 year old travelling to ‘Europe excluding Spain’ for three days, if the policy is taken out within 93 days of travelling on a Holidaysafe Standard Single Trip policy. Prices correct as of 01/12/2023

§ Coronavirus cover includes cover if you need to cancel within 14 days of your trip or curtail your trip early as a result of a positive COVID test, and cover for medical expenses related to a coronavirus diagnosis during your trip. Any further cover can be purchased within the optional COVID-19 Extension. More information can be found  here.

☆ The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide excluding Mexico cover. The table was last updated on Which?’s website on 30/06/2023.

Ɨ Please note, Holidaysafe’s online price automatically includes a 15% online discount against our Customer Service Centre prices. This is discounted from our core policy price before you add any additional cost of optional extensions or additional medical premium.

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  • Travel insurance for seniors

As you get older, being able to go where you want when you want is all part of the joy. And changes in your medical needs shouldn’t stand in the way of your desire to travel.

Does it feel like getting travel insurance is holding you back? This guide looks at how to get the cover you need, including for pre-existing medical conditions, and what to look out for when you do.

Posted: 26/1/2022 | By Darren Williams

Senior citizens travelling and holding hands

Getting travel insurance in later life

Finding the right travel insurance for seniors of any age may seem difficult at times, but it needn’t be. A handful of insurers cater specifically to pensioners and seniors, and others can give people aged over 60 the same benefits under their normal travel insurance cover.

That’s how we do it here at Post Office. You simply request a quote the same way adults of all ages do. We’ll ask you about the type of holiday you’re taking, the activities you’ll be doing and the level of cover you need. And we’ll consider all medical conditions, with a simple online screening. Then, if you're eligible for cover, we'll quote you a price.

Post Office Travel Insurance can help cover medical costs, protect against delays or cancellations, lost luggage and documents, and personal liability. There’s no upper age limit on our single-trip policies. Or, if you’re travelling more in a 12-month period, we can provide annual multi-trip cover up to 75 years of age.

Why is travel insurance important?

Most holidays pass without any problems but there’s always a a worry about what might go wrong so it’s always safer to go prepared. Travelling without insurance just isn’t worth it – fall ill in some countries and you could be liable for huge medical bills as well as the cost of getting you home.

Travel insurance is important whatever age you are when you travel. And it’s a must-have for seniors especially – whether you’re 60, 65, 70, 75, 80 or above, or anywhere in between. Getting cover in place will let you relax and enjoy your trip without worrying about how you might pay for unexpected medical treatment, lost or damaged possessions, or cancellations.

It’s important to know that, insurers tend to see older age groups as a higher risk, the cover they quote for might be more expensive, or they may not cover all things you need. It's important to do your research and make sure the price and the policy are both right for you. Read the policy documents carefully and make sure you declare all medical conditions on the medical questionnaire. We’ll look at why this is so important in the next section.

Need insurance that covers your travels in later life?

Medical cover and the ghic or ehic.

The most important thing about travel insurance for seniors and the elderly is that your health cover gives you the protection you need, such as in medical emergencies.

If you’re visiting a country in the EU, a valid UK Global Health Insurance Card (Ghic) or still-in-date European Health Insurance Card (Ehic) will let you access state provided medical healthcare for free or the same as it costs locals.

Getting travel insurance is still important, though, as it covers costs the cards don’t, such as repatriation to the UK if you need to be transported home. And, of course, it also protects you in the event of delays or cancellations, lost luggage and documents and personal liability.

T ravel insurance and pre-existing medical conditions

It’s important to make sure you have the right cover in place in case something related to your condition happens while you’re away.

To get travel insurance you’ll need to accurately declare all pre-existing medical conditions when you apply. Insurers will make a decision based on the details you give them. There are different levels of risk they’re prepared to accept, so getting declined by one insurer doesn’t necessarily mean you’ll be declined by them all.

Conditions such as cancer, heart problems and diabetes will affect the policy and its price because they increase the chance of a claim. One way of managing this cost is to go with an insurer who offers specialised policies for your age group, and may be able to tailor cover to your needs.

You could also look at travel insurance for the elderly that is manually underwritten, meaning each policy considers the unique situation of the policy holder. This type of insurance is, predictably, more expensive in general than standard terms travel insurance.

At Post Office, we consider all medical conditions when you ask for a quote. This means, if you’re living with a long-term illness, you may be covered for any issues it could cause while you’re away, such as having to seek medical care or being rushed home for treatment.

If you’re in doubt or have a condition that’s particularly rare, it might be worth talking to a representative. If you have a serious condition that you’re struggling to find cover for, check the Money and Pensions Scheme (MaPS) directory of companies that may be able to help or call 0800 138 7777 .

Find out more about:

Travel insurance for people with cancer

Travel insurance for diabetics

Travel insurance and high blood pressure

Choosing the right cover

Most travel insurance for seniors will follow a standard format: do you want insurance for a single trip, for multiple trips or for a specialist trip such as a cruise or a ski break?

Cover for single or multiple trips

One of the first things to think about when choosing a policy is how often you’re likely to travel in a 12-month period. Different policy types may suit depending on the answer:

  • Single trip travel insurance is designed for people who want to take one trip within any given year. If it’s likely you’ll only travel once in that time, it may be the most cost-effective option
  • Annual multi-trip travel insurance  tends to suit people who travel two or more times within a year. It can be better value for those who go away frequently

Do you need a more specialist type of cover?

For some holidays, such as cruises or skiing trips, you may need to buy a policy add-on or specialist policy that will cover the specific activities or risks involved:

  • Cruise cover  costs a little extra but offers extra protection at sea, like emergency rescue and cabin confinement; cruising without it may invalidate your travel insurance policy
  • Sports and higher-risk activities: while lots of activities may be covered by regular policies some, such as golf and extreme sports , may need extra protection for you, other people and the equipment used.

Always check what activities your policy does and doesn’t cover. If your travel insurance and any add-ons you’ve bought with it don’t cover it you might want to think twice about getting involved and risking an accident

  • Winter sports travel insurance : if activities such as skiing are still your thing, they’ll of course need some extra cover for the higher risk of injury involved, and the safeguard equipment and property in the event of accidental damage

Some providers also offer cover for unexpected events like local unrest and natural catastrophes such as volcanic eruptions or tsunamis. Check the risks in your destination on the UK government’s foreign travel advice page. Or, if you’re going to a country that you know well, you may decide this cover is unnecessary.

Check policies for any age limits

Whichever policy type you choose, check carefully to see how long you are covered for each trip. Since older people tend to go on longer holidays, it’s important to know if there are any trip limits.

Travel insurers can set upper age limits depending on the kind of activity you want to do while away. For instance, you’re less likely to find ski cover if you’re in your 70s and 80s. That’s not to say it doesn’t exist; you just might need to find a specialist provider.

The older you get, the more restrictions there may be on how long you can travel and stay covered. For instance, while younger people may be able to get covered for up to a year, people in their 70s might be limited to 90 days, and those in their 80s to fewer days still.

This will differ between insurers, so it’s worth knowing what you can get covered for before making a purchase.

As an example, Post Office Travel Insurance has the following age limits:

  • Single-trip policies : if you’re up to and including 70, you can qualify for the longest possible trip of 365 days. If you’re between 71 and 75, the maximum length of your trip drops to 90 days. And if you are 76 or above, the longest trip you'd be covered for is 31 days
  • Multi-trip policies : the maximum age for our Economy, Standard and Premier level multi-trip policies is 75. Although you can take as many trips as you like within the policy year, there’s a maximum duration for each individual trip. The limit varies depending on the cover level chosen. It’s 17 days for Economy and Standard cover, and 31 days for Premier. On some policies the limit can be extended to 31, 45 or 60 days for an additional premium.

Policy details to look out for

When you compare travel insurance for senior travellers from different providers, check to see if you have cover for things such as:

  • Medical emergencies
  • Repatriation (getting you back home)
  • Lost, stolen or damaged luggage
  • Lost or stolen cash
  • Medical transfers
  • Cancellation or curtailment (cutting your trip short)
  • Personal liability
  • Legal protection

Not every policy will include all of these. Comprehensive travel insurance should cover most of them, but always double check, and be aware of how much you’re covered for in each case.

Does your policy cover the cost of your holiday if you need to cancel it? For older travellers, there’s an increased chance you might fall ill or be unable to make your trip. Ask before you buy what would happen if you had to cancel, and what you could claim back.

Interested in travel insurance?

Common questions, what should senior travel insurance cover.

Travel insurance for seniors should include medical cover that suits the needs of older travellers, so you can call on it in emergencies such as injury or if you fall ill while you’re away.

Other things commonly covered by a travel insurance policy include cancellation and curtailment, and loss of belongings. If you buy travel insurance at the time you book your holiday, then you’re covered from that point onward. This means that if you have to cancel your holiday before leaving due to bad traffic, unexpected illness or a family bereavement, you could make a claim.

Some providers offer travel insurance tailored specifically to travellers in senior age groups. However, normal travel insurance policies are often available to customers well into their 80s. This might be better value and will still offer emergency medical cover. Ultimately, it’s up to you to decide if you need specialist cover or if what is provided on a standard policy is right for you.

What is travel insurance for over 65s, over 70s and over 75s?

As we get older insurers see us as higher risk on our travels because we’re more likely to suffer health problems while we’re away, which usually increases the cost of insurance. But there’s another reason why travel insurance for seniors is usually pricier: older people tend to be more adventurous and often choose to travel to more far-flung, exotic places.

Visiting Thai temples or African game parks is always a wonderful experience, but the medical costs should anything happen to you will usually be higher than if you were travelling in Europe. If you’re in an age group that’s over 65, 70, 75 or 80, these costs are likely to become higher still, as specialist care and travel arrangements may be more complex the older you get.

Can I get travel insurance if I’m over 80 years old?

The simple answer is yes, you can. There are lots of policies on the market that cater to older travellers, either as part of their regular travel insurance product or with specialist products tailored to older age groups.

The reason that people over 80 might need a special policy when they travel is they have a different set of risks. While nobody expects you to be engaging in too many extreme sports in your 80s, there are other risks that need to be accounted for, like illnesses or pre-existing medical conditions.

At Post Office, while we don’t offer a specialist travel insurance policy for over 80s there’s no upper age limit on our single-trip policies. You can get a quote and we’ll consider all medical conditions.

Can I travel with someone else on a travel insurance policy?

If you’ll be travelling with a companion such as a friend, partner or family member, it’s important to check if they’ll be covered too. Many seniors travel insurance policies are just for individuals and a companion may need to take out their own cover. You may also need separate policies for younger passengers if you plan to travel with your grandchildren .

When should I buy travel insurance?

It’s a good idea to buy your travel insurance as soon as your holiday is booked.

It will cover you for cancellation or anything that might prevent you from travelling, like redundancy, unexpected illness, injury or even bereavement before you make your trip.

The right time to get covered may differ depending on the kind of break you book. Read our guide to when to buy travel insurance to find out more.

Any travel advice for seniors going on holiday?

Before you go

  • Ideally before you book, check you’re traveling with a reputable firm. This is a good way to avoid being in a situation where you will be put at risk in the first place. Check the  Association of British Travel Agents  (ABTA) to make sure that your trip is safe and well-managed by a trusted firm
  • Take a copy of your medical notes, including your emergency numbers
  • Check with your doctor or on the NHS travel pages  to see if you need any travel vaccinations or medication before you go
  • Make sure there’s no Foreign, Commonwealth and Development Office (FCDO) advice against travel to your destination. If there is, travelling against it could invalidate your travel insurance
  • If you’re travelling to Europe, apply for a  UK Global Health Insurance Card (Ghic)  to get free or discounted medical care
  • Make sure your  passport is still valid and  apply for a new passport  if you need to. Some countries like you to have at least six months left on your passport to allow you entry
  • Inform your bank about your travel plans so you can use your cards abroad – some banks will stop your cards when they’re used abroad in an anti-fraud measure
  • When packing medicines, it’s important to check what you can take on a plane as there are limits on liquids which can include medication. Bring extra prescription medication with you in case of delays, and keep spares of any glasses or hearing aids in a separate bag in case you lose your normal set

Read our pre-travel and packing checklists to make sure you don’t forget anything important. And find out how to pack a suitcase with everything you need and nothing you don’t.

During your trip

  • Keep your hand luggage light and check your bags in at the airport to make getting around much easier
  • On your flight, drink plenty of water and keep moving as often as you can
  • Try and book outside of the peak seasons. This will also help you find cheaper deals
  • Check your hotel for accessibility if you have difficulty getting around. Check the AgeUK advice on accessible holidays  for more details
  • Make sure you know the address of a local doctor and pharmacy near to where you’re staying

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Travel Insurance For Over 80s: Top 10 Picks In The Uk

  • by Folakemi Adegbaju
  • August 15, 2023
  • No comments
  • 8 minute read

travel insurance for over 80s preexisting medical condition uk

Table of Contents Hide

What is travel insurance for over 80s in the uk, are there different levels of over 80s insurance cover, how much does over 80’s travel insurance cost, does the cost of my over-80s travel insurance depend on where i’m going, what activities are included in your over 80s travel insurance, why is travel insurance for the over-80s more expensive, how does cover on travel insurance for the over-80s differ, can i take the risk of traveling without it, i’ve got a variety of health issues. will i need to tell my insurer about all of them, when should i arrange my travel insurance, travel insurance for over 80s with pre-existing medical conditions, compare the best deals and get cheap over 80s cover, can over eighties get travel insurance, can an 86 year old get travel insurance, is there an upper age limit for nationwide travel insurance.

Living life to the fullest, spending time with loved ones, and traveling the globe have no age limit; but the need to get the correct travel insurance for over 80s in the UK increases as we get older, but it can be difficult to locate, particularly if you have pre-existing medical conditions. This article will shed more light on how travel insurance for over 80s and travel insurance for over 80s with pre-existing medical conditions work in the UK.

Travel insurance for over 80s in the UK refers to single-trip or annual multi-trip policies that cover older folks in this age group. Age should never be a barrier for people who want to travel overseas; while medical coverage will usually be slightly more expensive due to the increased likelihood of someone over the age of 80 becoming unwell when traveling abroad compared to younger people.

Whether you want to relax on the beach, hike through the countryside, or sightsee in a bustling city, retirement can frequently provide extra time and opportunities for a vacation.

However, if you’re over the age of 80, the cost of travel insurance for over 80s in the UK can be too expensive.

Understanding your way around the market for over-80s travel insurance will help you save money and keep your vacation habit going well into your golden years.

You’ll see that coverage varies a lot from one provider to the next. For example, one provider may provide better medical coverage than another, which is why our online quote comparison tool is so helpful to clients, as it allows you to compare rates and see where the greatest value is.

The price will vary depending on these aspects; so keep that in mind when comparing. If necessary, you can also add additional device coverage to your policy.

You can also purchase additional cruise coverage if you’re going on a cruise vacation. What are the chances? You might not have put your ski jacket away for good yet. In that scenario, you can extend your policy to include winter sports coverage.

What’s not Covered By over 80s Travel Insurance?

Exemptions differ from policy to policy. It depends on the service provider.

The following are some of the most prevalent exclusions that people in their 80s may face:

  • Undeclared medical issues: You must make a claim for your pre-existing conditions when purchasing the coverage. If you don’t, they won’t be covered if you file a claim.
  • Undeclared activities: The same may be said for any activity that has the capability to destroy.
  • Undeclared belongings: Some policies may not cover you for non-medical items that are extremely valuable.
  • Unattended or unprotected belongings: Some suppliers may argue that certain items must be secured in order to be claimed.

As travel insurance policies are tailored to you and your needs, the cost will vary depending on your circumstances, destination, and duration of the trip, as well as how far ahead of time you book coverage. It’s important to remember that travel insurance for people over 80s is there to cover unanticipated costs like medical fees if you require emergency treatment while on vacation. These bills can easily run into the thousands; so knowing you have proper travel insurance in place is reassuring.

Tips When Buying Travel Insurance Over 80

Tip 1: Buy travel insurance as soon as you’ve booked a holiday

 Our top tip is to buy your travel insurance as close to booking your holiday as possible to help cover any ‘just in case’ circumstances – such as last-minute cancellation or pre-trip illness.

Tip 2: Don’t forget to add your traveling companions.

If you insure yourself individually rather than as part of a group; you may find that you aren’t fully covered if your trip is canceled or curtailed due to a pre-existing medical condition of another member of your group. If your companions, on the other hand, have no pre-existing medical conditions, adding them to your policy will simply provide them with additional protection.

Tip 3: Check the length of trip duration on annual

Make sure to verify your annual policy for the max number of days permitted per trip. If you plan to travel for longer than 31 days, you may require single trip coverage for over 80s to cover a longer period of time; usually up to 60 days. In some cases, carriers may not be able to provide annual coverage at all; in which case we recommend looking for a single-trip policy instead.

This isn’t related to your age, although policy premiums do vary based on where you live; as various countries offer cheaper or more expensive medical care. For example; medical treatment in Spain is far less expensive than in the Uk.

 The insurer wants you to be able to enjoy the local activities without restriction. You’ll be covered for everything from jet skiing to scuba diving to cycling and hiking. Regardless of your age; the policies cover more than 50 sports and activities. If you want to be a little more daring, you can even add coverage for more extreme activities.

Travel insurance for people over the age of 80 might easily cost three or four times as much as for younger friends and relatives. Although you may not consider yourself a riskier traveler; insurers base their pricing on claims data from people over the age of 80.

Health problems are more common in people over the age of 80; the danger of major disorders like heart attacks and cancer increases as we age. This not only means that insurers will see more claims for medical crises from this age group; but they will also need to provide a higher level of coverage.

There are fewer insurers to select from, and many of them have an upper age limit of 65 to 79 years old. Unfortunately, the absence of competition raises the cost of travel insurance for anyone over the age of 80.

Along with all of the regular features of any policy, such as personal items, cancellation, and legal protection, travel insurance for people over the age of 80 usually includes far more comprehensive health coverage.

This includes coverage for pre-existing conditions in case you require emergency medical treatment while overseas; as well as if you need to cut your vacation short while awaiting treatment, such as a kidney transplant, back home.

Over-80s travel insurance also recognizes that, due to health issues, it may be required to travel with medication, walking assistance, and other medical equipment. This will also be covered in the event that it is misplaced, stolen, or destroyed.

From a legal standpoint, you can, but if something goes wrong, it may be a very costly omission. In the UK, heart bypass surgery can easily cost over £100,000, yet having your appendix removed in Alicante could cost you £4,000 or more.

If you require an air ambulance to transport you home, be prepared to receive a cost in the five-figure range.

When it comes to pre-existing medical issues, honesty is the best policy. Travel insurance providers for the over-80s are professionals in understanding various health issues and providing consumers with peace of mind. If you don’t notify them about something; and you need care for it or a related ailment while you’re away, your claim may be denied.

It’s also crucial to tell your insurer if you develop any new health problems between purchasing coverage and traveling on vacation. This will provide you the assurance that if something unexpected happens while you’re away; you’ll be insured.

If you’ve accumulated a number of different medical issues; it’s a good idea to contact a travel insurance broker that specializes in pre-existing medical condition coverage. Their knowledge of the market will allow them to select the appropriate coverage for your trip.

It’s usually a good idea to get your insurance in place as soon as you book your vacation or travel arrangements. If you do this; you’ll get protection right away if you have to cancel your vacation due to an unforeseen event like an illness or a loss.

Travel insurance for over 80s with pre-existing medical conditions can also be covered for anyone over the age of 80.

A pre-existing medical condition is one for which you have already been diagnosed or treated before purchasing travel insurance. This could be a current health condition or one that you had in the past but no longer have. While most pre-existing health issues must be disclosed if they were diagnosed or treated (including repeat prescriptions) during the last two years, other conditions, such as heart or respiratory conditions, must be disclosed if you have ever had them.

Whenever you’re going on vacation, insurance is one of the last things on your mind, regardless of your age. However, as you become older; choosing the correct policy becomes more challenging, especially if you have pre-existing medical conditions.

Insurers take pleasure in taking into account any medical conditions you may have; they never rule out a condition without first discussing it with you.

They will always try to figure out if they can cover you for any and all medical conditions, as well as how much it will cost. Some conditions will be covered at no additional cost, but if it’s something they frequently payout for, there may be an additional charge.

It’s critical that you declare all pre-existing conditions on your policy. If you need medical treatment in another country, this will save you a lot of money. If you fail to declare any pre-existing medical issues; your policy’s validity may be affected if you need to file a claim.

We recognize and acknowledge that over 80s travel insurance may appear to be more expensive than in previous years.

You may be tempted to choose a less expensive policy with limited coverage; however, we always advocate thoroughly researching plans to find the best bargain, as you need the correct level of coverage to be adequately covered.

We compare prices from over 30 leading medical travel insurance providers to make the process as simple as possible for you.

While some insurance companies may have age limits of 79 or lower, travel insurance for over 80s does exist, but it might be difficult to find because fewer insurance carriers provide it. Comparing the market makes finding the perfect provider simple.

You can also buy insurance for your personal belongings, vacation cancellations, and more. If you’re over 80 and planning a trip, you should check for over-80s travel insurance because most policies have an upper age limit ranging from 65 to 79.

This policy will only cover journeys that begin and end in the UK. There is a 69-year-old age limit. If any covered individual is 70 or older, you must purchase an age extension, which must be renewed every year in order for us to continue to cover you. Per account, only one age extension is required.

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Access to a range of accounts to suit yo ur savings needs.

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TRAVEL INSURANCE

uk travel insurance for over 80s

Over 50s travel Insurance

Booked your trip and thinking about travel insurance? When you’re looking to compare travel insurance, don’t settle for less.

Saga’s Defaqto 5 Star rated travel insurance includes much more than the basics, as standard. We go above and beyond to ensure you can travel with confidence.

Log in or create a MySaga account to view your policy documents or renewal invite. Fast and easy, no need to call.

Start your journey with us, get a quote or pick up where you left off. Online or over the phone, we look forward to welcoming you.

What’s included with Saga Travel Insurance

  • No upper age limit – the policyholder must be over 50
  • Comprehensive cover such as for medical, cancellation and baggage
  • Cover for most pre-existing medical conditions
  • Option to protect up to 9 family and friends of any age, even if they travel without you (on annual multi-trip cover)
  • Cover for over 40 popular leisure activities, plus optional leisure and winter sports activities .

Who underwrites Saga Travel Insurance?

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In the last 10 years, we've covered more than 1.2 million people with diagnosed pre-existing conditions, such as high blood pressure and diabetes.

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Single trip policies are most suited to those planning a one-off trip, a holiday abroad, or even a couple of short stay city breaks.

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If you're a regular holidaymaker, our annual travel insurance gives you the benefits of single trip all year round.

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Enjoy some quiet time in one of more then 950 airport lounges if your flight is delayed by over an hour.

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We cover most pre-existing conditions, have no upper age limit and are there for you in a medical emergency.

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All Saga Travel Insurance policies provide cover for cruises, including some benefits specific to cruise-goers.

Emergency medical expenses

Cancellation.

Cover up to £10,000 if you, a close relative or any of your travel party gets a positive coronavirus test in writing during the 14 days before you depart. Or if you are certified as too ill to travel due to Covid-19 by a medical practitioner.

Abandonment

Fcdo advice.

If you travel to a country where the FCDO has advised against all but essential travel, you'll have no cover in place for any policy section if the reason for your claim is related to why the FCDO advice is in place. Subject to there being no other Government restrictions in place prohibiting travel. If you travel for essential reasons, see our list of what is deemed essential , then you will have full policy coverage in place.

To find out more about what we cover for COVID-19, please visit our Travel insurance and coronavirus page .

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If you need to move to different accommodation at any time during the trip because your booked accommodation becomes unusable, due to:

  • Natural disaster such as an earthquake or hurricane; or
  • Insolvency of the providers of your accommodation; or
  • An outbreak of food poisoning or infectious disease.

You can claim up to £5,000 to cover additional accommodation and transport costs incurred.

If you can’t reach your destination, return to your pre-booked accommodation or return home, you can claim £100 for every complete 24-hour period, up to a maximum of £1,500.

Or, if after 24 hours it becomes necessary to make alternative arrangements to get to your destination or return home, such as due to airspace or port closure, you can claim up to £1,000 to cover necessary additional travel expenses.

If you arrive at your final departure point too late to board the ship, plane or train that you’re booked to travel on, we will cover you up to £1,000 for the extra accommodation and travel costs you’ll have to pay to reach your final destination. Your reason for lateness must be due to:

  • Failure of scheduled public transport services, such as train cancellations; or
  • Delay to a connecting scheduled flight; or
  • Being involuntarily denied boarding onto your flight (because it was overbooked); or
  • The vehicle you were travelling in to reach your departure point broke down or was involved in an accident.

If you have to abandon your trip due to unforeseen circumstances outside of your control, we will cover you for up to £10,000 to pay for any irrecoverable unused travel and accommodation (including pre-paid excursions), and other pre-paid charges.

Your Saga Travel Insurance policy would also cover you for any additional travel expenses, such as a new flight ticket home.

Insurance can be complicated. Visit our frequently asked questions page for some helpful answers to commonly asked questions.

Our Travel Assistance service is there to help you and provide 24-hour worldwide support including:

  • How to replace lost or stolen passports, driving licences, air tickets, or other travel documents
  • How to trace your luggage if it is lost or delayed
  • Why, how, where and when you should contact local embassies or consulates
  • How to transfer money from the UK if you need it
  • Guidance for you and relatives, friends or employers if you are unfortunately enough to go into hospital plus a ‘phone home’ service
  • A translation and interpretation service if you need it.

We hope your holiday goes without a hitch and you don’t have to make a claim, but if you do:

  • You’ll only pay one excess for your whole claim. This means that if your claim involves multiple sections of your policy – such as missed departure, baggage and medical treatment – you will only need to pay the excess once
  • All our claims advisers are based in the UK and there are no automated telephone menus
  • We aim to ensure that every claim is dealt with quickly and with minimum fuss.

Find out more about our claims process .

Defaqto 5 star rated travel insurance 2007-2024

We are proud to offer five-star treatment every day with Saga Travel Insurance – Defaqto 5 Star rated every year since 2007.

If you travel to a country where the FCDO has advised against all but essential travel, for a non-essential reason, you'll have no cover in place for any policy section if the reason for your claim is related to why the FCDO advice is in place. Subject to there being no other Government restrictions in place prohibiting travel. If you travel for essential reasons, see this list of what is deemed essential , then you will have full policy coverage in place.

However, if you travel to a country to which the FCDO advise against all travel then we are not able to provide any cover.

Yes, the Global Health Insurance Card (GHIC) is not a substitute for travel insurance – it is complementary to it. A GHIC does not cover you for all the medical costs that you can incur or for repatriation, lost baggage or cancellations.

You can cancel your policy within 14 days of either the date of purchase of the policy or the date of receiving your policy documents, whichever is latest.

  • If your cover (including cancellation cover) has not commenced, you will be entitled to a full refund
  • If your cover (including cancellation cover) has commenced we will give you a pro rata refund of premium based on the cover you have already had
  • If you wish to make a claim or have made a claim already, no refund of premium will be given
  • If you cancel your policy after the 14 day cooling off period, no refund of premium will be given.

If you are likely to be taking more than one trip a year or you are travelling for more than 30 consecutive days then you may find that our annual multi-trip travel insurance policy is more cost effective than taking out a separate single trip policy each time you travel.

The advantage of annual multi-trip insurance is that cancellation cover is already in place should you want to go on a last minute holiday or city break.

If you only take the occasional trip, whether in the UK or overseas, you may find a single trip policy more suitable. Our single trip travel insurance is for trips up to 120 days in length and covers cancellations, medical expenses and much more.

With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. Maintaining continuous cover with an annual policy could give you the freedom to book last minute trips.

At Saga we offer comprehensive cover to suit your needs when travelling. To enable us to do this we require details of your medical health so that we can assess whether we can offer insurance to suit your needs.

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There's plenty to explore and learn about our travel insurance cover.

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Our travel insurance policies have no upper age limit, so if you're aged over 70 and looking for high levels of cover and service, why not try Saga?

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What to do if your luggage gets damaged or lost whilst you are on holiday.

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Our coronavirus help and support page has all the latest information on the changes to our insurance and details of additional support we can provide you.

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Having travel insurance for UK holidays gives you the peace of mind that you’re covered for cancellation, loss of luggage and so much more.

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We can help you stay organised and hopefully give you peace of mind - meaning you can get on and enjoy your time away.

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Over 65 and looking for travel insurance? Saga offers quality holiday insurance with cover for many pre-existing medical conditions and no upper age limits.

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We provide, as standard, unlimited access to online & telephone GP appointments on your holiday with the Saga GP Service.

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We can help you in an emergency, providing 24-hour support, advice and guidance, no matter where in the world you are.

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Our team are here to help, with medical expertise and a personal touch. Find out about medical claims with Saga Travel Insurance.

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Looking forward to hitting slopes? Kick back and relax assured in the knowledge that Saga has the cover you need.

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Here are common reasons why some travel insurance claims are not successful.

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Travel Insurance for seniors

A little older, a little wiser.

Travelling in your 60s and beyond is a great way to enjoy your retirement

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

  • you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

  • Your belongings being lost, damaged or stolen
  • Needing legal assistance while you’re away
  • Travel delay

Choose from three levels of cover

Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

  • Loss of medication
  • To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing conditions  include:

  • Heart disease

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

  • Declared them all on your policy
  • Received written confirmation that we’ll cover your medical condition
  • Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a  GHIC  (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have  reciprocal health care agreements  with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can  explore the cost of medical treatment  in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the  Cruise upgrade  means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your  policy book  or  contact us  to clarify what you will and won’t be covered for.

uk travel insurance for over 80s

Your questions answered

Is travel insurance more expensive for older people.

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Getting the most out of your trip, going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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    What's included with Saga Travel Insurance. No upper age limit - the policyholder must be over 50. Comprehensive cover such as for medical, cancellation and baggage. Cover for most pre-existing medical conditions. Option to protect up to 9 family and friends of any age, even if they travel without you (on annual multi-trip cover)

  21. Senior Travel Insurance (Over 60s, 70s & 80s)

    The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies - and up to 85 years for single trip policies. However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday. Please or contact us to find out more.

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