Travel Insurance For Over 80s | Senior Travel

Letitia Smith

Travel Insurance Expert

Clinical Research Fellow and PhD Candidate in Genitourinary Oncology

Last updated February 12 2026

5 min read

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.

Can you get Travel Insurance if you’re over 80?

Finding Travel Insurance when you are over 80 can be more challenging as some Travel Insurance providers impose age limits.

At AllClear we are different. We have no upper age limits. We believe age shouldn’t hold you back and want you to travel with peace of mind. Our Travel Insurance for Over 80s is designed to protect you against the specific risks of travelling later in life, including your pre-existing medical conditions, emergency healthcare abroad, and repatriation if you need to return home unexpectedly.

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 up to £25K, for lost baggage, and up to unlimited cover for emegency medical costs. Emergency prescription medication can also be covered
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 in your later years.
Repatriation cover when it matters most – An emergency air ambulance back to the UK can cost upwards of £50,000, not including treatment. Our over 80s Travel Insurance policies include comprehensive repatriation cover.

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 cutting your trip short – 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

Cover benefits for over 80s Travel Insurance

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

SWIPE TO COMPARE POLICIES

	Gold	Gold Plus	Platinum
Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Unlimited
Cancellation* and cutting your trip short	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 and existing medical conditions are more common. 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 including high blood pressure and atrial fibrillation.
Chronic illnesses including Crohn’s disease, gallstones and other long-lasting chronic conditions.
Respiratory conditions including asthma and COPD.
Neurological conditions like strokes, epilepsy and multiple sclerosis.
Diabetes.
Musculoskeletal conditions that affect your bones, muscles, and joints, including back problems and osteoporosis.
Cancer including if you’re in remission
Mental health including anxiety and depression.

If your medical condition isn’t listed here, we can still help. You can browse more medical conditions on our website or speak to our friendly UK based call centre for support.

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:

Family Travel Insurance covers you, your friends and your family under a single policy, perfect if you are going on a multigeneration trip
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
You might want to consider single trip Travel Insurance if you’re only going on 1 trip in a 12 month period.
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.

Over 80s cover for all destinations

Europe Travel Insurance covers you for your trips within Europe.
Worldwide Travel Insurance is what you need to protect yourself for your trips anywhere in the world.
UK Travel Insurance provides cover for cancellation and trip delay if you are planning to travel only in the UK.

What optional extras can you add to your over 80s Travel Insurance?

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

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 the 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

How much does over 80s Travel Insurance cost?

Several factors influence the cost of your Travel Insurance once you’re over 80.

Your age and any pre-existing medical conditions you declare
Your destination – some countries, like the USA, have higher medical costs
How long you’re travelling for
The level of cover you choose (e.g. Gold, Gold Plus, or Platinum)
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.

Travel tips for over 80s

Planning ahead before you go

A few simple preparations can help you enjoy your next trip with peace of mind.

Speak to your GP before you travel
This is especially important if you’ve recently had a hospital stay or have chronic conditions like heart disease or diabetes. Your GP can confirm you’re fit to travel and advise on precautions you might need.

Sort prescriptions and medications for travel
If you take daily medications, order enough to last your whole trip plus extra in case of delays.

Carry a full list of medications including the names, dosages, and timings. This helps if you need a replacement abroad or need to share information with a local doctor or hospital.

Check any special requirements for your medicines. Some countries restrict certain medications, including strong pain relief and sleeping aids. Your GP or pharmacist can help check whether documentation is needed.

Declare all medical conditions when you get your Travel Insurance quote

This could include, for example, atrial fibrillation, previous strokes, or high blood pressure.

Travel tips when reaching your destination

Book airport or station assistance early
Most UK airports offer free special assistance, but it must be arranged at least 48 hours in advance. This can include wheelchair support, help with boarding, or fast-track security.

Allow extra time
Crowded terminals and tight connections can be stressful. You can reduce the pressure on yourself by arriving early. This also means staff can better support you, especially if there are last-minute changes.

If you’re changing transport mid-journey (like switching trains or connecting flights), make sure the route allows enough time and flag any mobility needs in advance.

Keep your medication handy
Always pack your medication in your hand luggage. Keep it in the original packaging with your repeat prescription slip if possible, especially for liquid medications or controlled drugs.

Aid your comfort on the flight
Long periods of sitting can increase your risk of DVT. Wearing support stockings and moving your feet and legs regularly (even while seated) can help.

Also, check out out blog post on how to ease joint pain while flying.

Mobility aids
If you use a walking stick or folding wheelchair, you can usually take them right up to the plane or train door. Let your airline or provider know in advance and ask about storage during the journey.

Prepare for security checks
If you have an implant (like a pacemaker or joint replacement), bring any relevant documentation and let staff know you may need a manual check.

Staying safe while on holiday

Stick to your routine where you can
If you take regular medication, try to keep it on the same schedule as at home. Pay particular attention if you’re crossing time zones.

Stay cool and hydrated
If you are in a Hot destination, drink water throughout the day, wear light layers, and take breaks in the shade or indoors.

Consider your nutrition
Especially if you’re adjusting to new foods. Let your hotel or hosts know about dietary needs in advance.

Know where to get medical help
If you need medical attention while away, an AllClear Travel Insurance policy includes 24-hour emergency medical assistance. Our team of experts can support you, help you find local care and explain next steps in an emergency

Hear from our customers

He made me an offer I couldn't refuse

“Excellent telephone conversation, finished up with an offer I couldn’t refuse saving me nearly £400 on a multi-trip annual deal for two over 80 year old travellers with medical problems.”

Alan. AllClear customer.

What our Customers Say

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.

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