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Home » Travel Insurance for Seniors » Travel Insurance For Over 80s

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.




Gold Plus


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.

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 cover to your policy for a worry-free trip

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 7 June 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.