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Home » Travel Insurance for Seniors » Travel Insurance for over 85s

Our Travel Insurance for over 85s covers you on holiday for unexpected medical bills. We’ll also cover your belongings, accommodation, and trip cancellation.

What is Over 85s Travel Insurance – and why do you need it?

Over 85s Travel Insurance gives you peace of mind on your holiday. We cover costs from medical emergencies, even if you have a pre-existing medical condition. We’ll also cover you for lost luggage, cancelled holidays and delayed flights.

If you’re over 85, you may find it challenging to find the right Travel Insurance policy. Our policies have no upper age limits. This means you can travel with confidence, knowing you’re protected from unexpected costs.

Unfortunately, accidents can happen at any time, and they’re more expensive when you’re abroad.

  • As we get older, the risks of injuries like fractures can increase. According to the American Geriatrics Society, a person age 85 or older is four times more likely to break a bone than someone between the ages of 65 and 75.
  • According to the ABI, a fall in Spain led to emergency repatriation back to the UK. This, along with the treatment, cost a shocking £124,000.

This is why Travel Insurance is a must-have if you’re 85 and older and travelling abroad.

You’re in the right place for Over 85s Travel Insurance with the UK’s Most Trusted Travel Insurance Provider1. We offer cover to 99% of our customers and our Gold Plus Travel Insurance is a Which? Best Buy.

What does AllClear’s Over 85s Travel Insurance cover?

Our Over 85s Travel Insurance covers unexpected medical costs, cancelling your trip and lost luggage. We also provide specialist medical cover for over 1,300 medical conditions. This means you can explore the world with confidence, knowing you’re covered for emergency treatment.

  • What’s covered?

    • All ages – We believe Travel Insurance should be available to all. That’s why our policies have no upper age limit.
    • Medical cover – AllClear policies include emergency medical cover, even if you have an existing condition, as long as you have declared it. This includes any prescription medications and medical equipment.
    • Cancellation and curtailment – Cover for your flight and accommodation costs if you have to cancel before you go. Also if you need to return home early following an emergency.
    • Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
    • Travel delays and missed departures – We’ll compensate you for the time if your flight is delayed. We also cover accommodation and transport costs if you miss your flight.
    • Personal liability – Cover for your legal expenses. Plus any costs from accidentally injuring someone or damaging property while you’re away.
  • What’s not covered?

    • Deciding not to travel – We do not provide any cover if you can travel but choose not to.
    • Other regions – Your Travel Insurance won’t cover you if you travel outside your chosen region. You can, however, contact us to upgrade your policy at any time.
    • Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
    • Medical conditions you fail to declare – When you buy Travel Insurance, you need to provide us with an accurate medical history. This will help us provide you with the right cover. This is especially vital for senior travellers and those with long-term illnesses.
    • Winter sports – While most of our policy options cover all ages, we do not cover winter sports like skiing or snowboarding for anyone over 65.

We tailor our policies to your specific requirements. So, we offer three different policy levels: Gold, Gold Plus, and Platinum.




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 85s with pre-existing medical conditions

We can cover: All medical conditions. All ages. All destinations.

62% of travellers we surveyed live with at least two medical conditions2. We cover more than 1,300 conditions, so you can travel with peace of mind. We’ll protect you should you face any unexpected costs as a result of your condition while on holiday.

You’ll need to declare any pre-existing medical conditions while getting your Travel Insurance quote. We’ll ask you some questions, so your policy is perfectly tailored to suit your condition and needs. This means we’ll ask you some questions during this process, including:

  • When were you diagnosed?
  • Do you take any medications?
  • When was the last time you were admitted to hospital for treatment?

We can cover all medical conditions, including:

The medical emergency assistance line is operational 24/7. This offers support for you or anyone named on your policy in the event of a medical emergency.

Find the best Over 85s Travel Insurance for your trip

We tailor our policies to match your trip. We’ll cover you, your companions, and even your golf clubs in an emergency.

  • Single Trip Travel Insurance: Our Single Trip policies cover you for a single trip of up to 365 days of consecutive travel.
  • Annual Worldwide Travel Insurance: Choosing an Annual Travel Insurance policy could save you time and money if you’re planning a few trips a year. With AllClear, you can choose between two options – cover anywhere in the world, including the USA, Mexico, Canada, and the Caribbean or cover anywhere in the world which excludes those destinations.
  • Cruise Cover: Cruise Cover protects against cabin confinement and unused excursion fees. We’ll even cover the cost of airlifting back to the mainland. Simply add it to your policy when getting your quote.
  • Gadget Cover: Standard baggage insurance often does not include any of your gadgets. Gadget Cover is a must-have for anyone travelling with laptops or tablets.
  • Golf Cover: Don’t fret about your unused Greens Fees or damage to your beloved clubs. Our Golf Cover covers you for up to £750 for any Golf Equipment.

How our Travel Insurance for Over 85s works: A simple 3 step quote process

Need Over 85s Travel Insurance? Simply complete our quick 3-step screening process to receive your quote.

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. You can complete this over the phone with one of our team members or online.

2. Complete our simple medical screening process.

You must declare any medical conditions you have and any medications you and your travel companions are taking here. This way, we can provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Letitia Smith

Our experts say…

”Travel Insurance is about more than cover. It’s about peace of mind and fully relaxing on your holiday. Even if something does go wrong, we cover a wide range of unexpected events. This protects you from surprise medical costs or the expense of replacing belongings if your bags go missing. We’ll even cover new flights home if you need them in an emergency. This leaves you free to enjoy your trip, worry-free.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

What our customers say

“[I was] treated with patience and respect in answering my many questions that led to purchase of an annual holiday insurance. I can now relax and enjoy. Thank you.”

 – Anthony
 – Date of experience: January 24, 2024

There’s a reason we’re rated Excellent or Great, with over 140,000 reviews3. Here’s what our other customers had to say about us.

What our Customers Say

Frequently Asked Questions about Travel Insurance for Over 85s

Is Travel Insurance expensive for over 85s?

As you age, you may find that the cost of Travel Insurance increases. However, it’s important to consider what’s covered if something unexpected occurs while you’re on holiday, like a medical emergency.

While the average emergency medical treatment claim is around £1,750, claims payouts also increase with age, according to the Association of British Insurers. Treatment for a kidney infection in Spain could cost £15,000. One report of a serious blood infection in Thailand led to medical and travel expenses of £250,000.

These types of costs will be a real blow if you’re paying this out of your hard-earned pension fund. A Travel Insurance policy that covers the cost of medical emergencies could end up saving you a fortune.

Is there a cut-off age for Travel Insurance?

Some insurers won’t cover anyone beyond a certain cut-off age. This is because there’s an increased risk of claiming on a policy as you age. However, we believe that travelling is for everyone, and offer cover to 99%+ of customers. Our policies have no upper age limit. Plus we can look to cover all medical conditions, even terminal ones.

Do you need Over 85s Travel Insurance if you have a GHIC?

Yes, you still need Travel Insurance for Over 85s, even if you have a GHIC and are visiting a country that is participating in the scheme.

The GHIC covers the cost of any emergency treatments, such as surgeries or prescriptions. However, it won’t cover anything else that might go wrong on a holiday. This could include transport to or from the hospital, lost luggage or cancellations of flights or accommodation. That’s why the UK Government recommends anyone who leaves the country has the required type of Travel Insurance.

How do you find cheaper Over 85s Travel Insurance?

The cost of a Travel Insurance policy is based on a few different factors, including:

  • Your age
  • Your medical history
  • The destination of your trip
  • How long you’re going for

These all affect the price of a policy. While you can’t do much about your age, you can change other factors, such as your destination. For example, some countries, like the US, have notoriously expensive healthcare systems. As a result, a Travel Insurance policy for the US could cost more.

If you’re considering buying a cheap Travel Insurance policy, it’s important to look at what is covered and what is not. The cheapest policy could only cover up to £100 of medical expenses. This won’t be worth much if you end up in A&E and face medical costs in the thousands.

Get the most out of your trips with our helpful guides

Which activities do you have planned?

Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.

Which activities do you have planned?
Whether you’re planning a group holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 25 June 2024

* Discount applies to the base premium of an AllClear Travel Insurance policy and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer. Ends 23:59 on 02/09/2024. T&Cs apply.


† 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.

1 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024.
2 Based on 4358 responses. AllClear Annual Survey, February 2024.
3 Based on 140,000+ Trustpilot responses, as of May 2024.