Over 80s Travel Insurance that lets you focus on the adventure – not the risks. Travelling later in life should be exciting, not stressful. Our Travel Insurance for Over 80s offers tailored protection for medical emergencies and pre-existing conditions, so you can enjoy every moment of your trip with complete peace of mind and expert support at every step.
What is Over 80s Travel Insurance – and do you need it?
Age shouldn’t hold you back. Our Travel Insurance for Over 80s is designed to protect you against the specific risks of travelling later in life, including pre-existing medical conditions, emergency healthcare abroad, and repatriation if you need to return home unexpectedly.
As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation.
Why choose AllClear for your Over 80s Travel Insurance?
- Enjoy every trip with confidence – Travel is meant to be joyful, not stressful. With AllClear, you’re protected against trip cancellations, lost baggage, and unexpected medical costs. That means less worry and more time to focus on making unforgettable memories.
- Specialist medical cover you can trust – With over two decades of experience, we cover more than 1,300 medical conditions, including high blood pressure, cancer, diabetes and more. Our medical screening ensures you get the tailored protection you need.
- Repatriation cover when it matters most – An emergency air ambulance back to the UK can cost upwards of £50,000, not including treatment. Our policies include comprehensive repatriation cover, so you won’t face that burden alone.
- No upper age limit – Whether it’s a relaxing cruise, a city break or a family reunion, our Single Trip and Annual Multi-Trip policies have no upper age restrictions. We’ll help you find the right cover, even well into your 80s and beyond.
What does AllClear’s Over 80s Travel Insurance cover?
Your 80s are for adventures, not anxieties. Travelling later in life should feel liberating, not limiting. Our Over 80s Travel Insurance offers all the benefits of our standard policies, with no upper age limit. From medical emergencies to missed departures, you’ll have cover that’s built around your needs, so you can travel with confidence and enjoy every moment.
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.
- 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
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* 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.
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.
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
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 about over 80s Travel Insurance
Why does Travel Insurance cost more after 80?
As we get older, the likelihood of needing medical treatment abroad increases, and insurers factor this risk into the cost of your premiums. Those over 80 are more prone to illness, injury, and complications from existing medical conditions while travelling.
That’s why Travel Insurance typically becomes more expensive after 80. But with AllClear, you’re getting cover that’s designed around your specific needs – not just your age – so you’re protected wherever your travels take you.
Does Travel Insurance have upper age limits?
With AllClear, no. We believe travel should be for everyone, which is why our Travel Insurance comes with no upper age limit. Whether you’re in your 70s, 80s or beyond, we’ll help you find the right policy so you can keep exploring with confidence.
What does Travel Insurance for Over 80s cover?
Our Over 80s Travel Insurance includes everything offered in our standard policy, with no upper age limit and added reassurance for senior travellers.
You’ll be covered for:
- Emergency medical treatment, including pre-existing conditions, prescriptions, and medical aids
- Repatriation to the UK if needed
- Trip cancellation, or if you have to cut your trip short
- Travel delays and missed departures
- Lost, stolen, or damaged baggage
- Personal liability if you accidentally injure someone or damage property
It’s comprehensive protection, designed for your peace of mind, so you can travel freely, even in your 80s and beyond.
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 affect the cost of Over 80s Travel Insurance?
Several factors influence the cost of your Travel Insurance once you’re over 80. Two key considerations are your age and any pre-existing medical conditions you declare. But other details also play a role in shaping your premium, including:
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Your destination – some countries, like the USA, have higher medical costs
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How long you’re travelling for
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The level of cover you choose (e.g. Gold, Gold Plus, or Platinum)
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Any optional extras added to your policy, such as cruise or gadget cover
By tailoring your policy to your trip, you get the cover you need and only pay for what matters most to you.
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 cover to your policy for a worry-free trip
