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Why do you need Holiday Insurance for over 85

Over 85 Travel Insurance protects unexpected medical expenses when you’re on holiday; loss or damage of possessions, and cancellation costs. This gives you peace of mind so you can enjoy your a carefree trip.

Travel Insurance for over 85s with medical conditions

It’s important to us that Travel Insurance for over 85 is accessible to everyone, especially as more than 8 in 10 (83%3) over the age of 81 that we surveyed have between 1-3 medical conditions. Our over 85’s Travel Insurance offers cover for all medical conditions so that you can travel with peace of mind.

Our policies can be tailored to suit you and your individual needs.

What’s a pre-existing medical condition?

It’s essential to declare all pre-existing medical conditions before you travel. Not sure if your conditions count? A pre-existing medical condition is any diagnosis you’ve had in the last five years or any condition you have taken medication for.

Some examples of pre-existing medical conditions we cover:

Benefits of AllClear Cover

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
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Our over 85 holiday insurance includes Covid cover to help you travel safely. If you have any questions about how this cover will protect you in various scenarios, see our Covid FAQS page.

Travel Insurance for a cruise

More than 1 in 3 (36%5) of those we surveyed aged 81+ are interested in having a cruise holiday. It’s a great way to visit many destinations in one holiday.

You’ll need Travel Insurance for a cruise to cover your specific needs. It covers all that offers all the benefits found on a standard policy. Additionally, it provides extra benefits to help protect against cruise specific problems.

GHIC cover for over 85s

A Global Health Insurance Card (GHIC) is helpful when travelling to Europe. It’s valid in 27 countries. However, this only gives you access to the default state healthcare system within a given country. The EHIC does not replace Travel Insurance. For example, it won’t cover:

  • Needing to cancel the holiday before you go
  • Medical transport (repatriation) to get back home

Repatriation without comprehensive Travel Insurance in place can leave you with an extensive bill. The typical cost of repatriating from Europe ranges from £12,000 to £18,000. Other places around the world are even more expensive. Repatriation from the USA can be around £50,000, and in the Caribbean, around £60,000.

To protect yourself and your trip, you’ll need comprehensive over 85 Travel Insurance.

Join the 3.5 Million+ travellers we’ve helped cover

All Clear Travel Insurance – Insurance as it should be!

All Clear Travel Insurance - Insurance as it should be!

“AllClear Travel Insurance appears to have been one of the simplest Travel Insurance processes I have had in quite a while. Rather a complex issue – Travel Insurance for someone over 85 – not everyone will help.

All Clear has made this a non-prejudicial and straightforward process. Thank you!” – Mrs Myrtle.

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Frequently asked questions for over 85’s Medical Travel Insurance

Should you get Single trip or Annual Multi-trip cover?

Single trip Travel Insurance is a policy that covers you for a one-off trip on selected dates.

If you plan to get away a few times in the next 12 months, buying an Annual Multi-trip policy can be cheaper. Also, annual cover gives you the freedom to travel as many times as you like throughout the year!

However old you are, you can travel up to 45 days per trip on AllClear Gold and Gold Plus Annual Multi-trip cover. And you can even pay a little more to get an extension for up to 55 days!

How often can you travel with over 85's annual Travel Insurance?

With an Annual Multi-trip policy, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you’ll only need to select your preferred region of cover.

How is the cost of over 85's Travel Insurance calculated?

Over 85 Holiday Insurance premiums are calculated based on several different factors. These include

  • The destination you’re travelling to
  • The length of your trip
  • The type and severity of your medical conditions
  • Your age
  • The level of benefits being offered to you

Quote premiums vary by the provider because they can offer different levels of cover, excesses, and upgrades.

How to make sure you’re 'Fit to travel?

You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit-to-fly when getting a quote or buying a policy.

What if you buy an over 85's Travel Insurance policy then your medical conditions change?

If you need to amend details relating to your medical conditions on your over 85 Holiday Insurance, get in touch. We will be happy to update your details.

Let us know of any changes before you travel to ensure your policy is up-to-date.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

3 Based on AllClear’s annual survey, January 2022. 202 respondents aged 81+
4 The research was carried out by MaruBlue among a nat rep sample of 2,016 adults in April 2022. The survey was conducted online.
5 Based on AllClear’s annual survey, January 2022. 192 respondents aged 81+

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 13 March 2024

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.