Over 90s Travel Insurance provides you with the ultimate peace of mind. You can travel knowing that you’re covered for any unexpected medical bills. We’ll cover your belongings, accommodation, trip cancellation1 and more.
What is Over 90s Travel Insurance – and do you need it?
If you’re over 90, it can be challenging to find affordable Travel Insurance that gives you the cover you need. Our policies have no upper age limit. Plus, we can cover more than 1,300 pre-existing medical conditions, so you can travel with confidence.
Accidents abroad can be costly, especially if you need repatriation. This is particularly true for older travellers.
- Long-term trips for retired people, dubbed “golden gap years”, are on the rise. Adults are still enjoying exploring the world, well into their later ages.
- However, senior travellers can have more complex medical needs. Making sure you’re covered in a medical emergency and have access to any medication is key.
- 70% of travellers rated “high medical expenses” as one of the most important aspects of Travel Insurance that matter to them2.
Travel Insurance is a must-have for anyone over 90 who is travelling abroad.
There’s a reason we’re the UK’s Most Trusted Travel Insurance Provider3. Our Gold Plus Travel Insurance is a Which? Best Buy, so if you’re looking for Over 90s Travel Insurance, you’re probably in the right place.
What does AllClear’s Over 90’s Travel Insurance cover?
Our Over 90s Travel Insurance covers you for unexpected medical costs, lost luggage and cancelled flights. We also provide specialist medical cover for over 1,300 medical conditions, meaning you can confidently explore the world.
What’s covered?
- All ages – Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance policies have no upper age limit.
- Medical cover – AllClear policies include emergency medical cover, including any existing conditions you may have. This includes any prescription medication for pre-existing conditions, plus any medical equipment.
- Cancellation and curtailment1 – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go. Likewise, 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 – For delayed flights, we’ll compensate you for the time. If you miss your flight, we’ll also cover your accommodation and transport costs.
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
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 anytime.
- 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 – You need to provide us with an accurate medical history when you buy your Travel Insurance. This way we can give you tailored 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.
For full details of what’s covered, please see your policy wording.
We offer three different policy levels: Gold, Gold Plus, and Platinum. This helps you find the perfect policy type for your holiday.
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 90s with pre-existing medical conditions
According to our partners at Age UK, 86% of people over the age of 85 have at least one long-term chronic condition. However, having a chronic condition shouldn’t be a barrier to seeing the world. This is why we cover all pre-existing conditions and have no upper age limit on our policies.
When receiving your quote, you must declare any and all pre-existing medical conditions. That way we can create the right quote for you. We might ask you a few questions about your condition, such as:
- When were you diagnosed?
- Do you take any medications?
- When was the last time you were admitted to the hospital for treatment?
We cover all conditions and offer cover to 99%+ of our customers4. Some examples of conditions we cover include:
- Cancers – We cover all cancers. This includes bowel cancer, breast cancer, ovarian cancer, skin cancer and testicular cancer. We also cover terminal conditions.
- Heart problems – We’ll cover cardiovascular issues affecting heart function. Examples include high blood pressure and atrial fibrillation.
- Musculoskeletal conditions — We cover any conditions that affect bones, muscles, and joints. If you’re living with osteoarthritis, broken bones or osteoporosis, you’ll still be protected.
Find the best Over 90s Travel Insurance for your trip
We tailor our policies to your trip. This includes any add-ons needed to ensure you stay comprehensively covered while abroad.
- Cruise Cover: This policy add-on means you’re covered if you’re confined to your cabin or can’t go on an excursion. This means you’re not paying for time you’re not using.
- Gadget Cover: Taking your laptop or tablet abroad with you? Our Gadget Cover ensures that you can replace it if it’s lost. It’s a must-have.
- Golf Cover: Your golf clubs are precious, so we’ll cover them as carefully as we cover you. Our Golf Cover means you can replace them in the event of a mishap (up to £750).
- Single Trip Travel Insurance: If you only fancy one trip abroad this year, our Single Trip cover is what you need. It’s cheaper than an annual plan but still gives up to unlimited cover for medical expenses and repatriation.
- Annual Worldwide Travel Insurance: Taking multiple trips abroad this year? An Annual Travel Insurance policy could save you time and money. 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.
How our Travel Insurance for Over 90s works: A simple 3 step quote process
Getting a quote for Travel Insurance for Over 90s couldn’t be simpler. 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
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.
Our experts say…
“Plenty of people explore the world well into their 90s, they just need a little more support. We’re proud to support senior travellers of any age. That’s why our policies have no upper age limit. Plus, we cover all pre-existing medical conditions, even terminal ones. But Travel Insurance is a must-have for any senior going abroad, just in case.”
What our customers say
Mark B attended my call for a quote
“I’m nearly 90 and suffer from severe hearing loss. He repeated his answers quite a few times. I was impressed by his patience and professionalism.”
– Anupam Sanyal
– Date of experience: January 11, 2024
There’s a reason 98% of customers would recommend us to family and friends5. Here’s what they have to say about us.
What our Customers Say
Frequently Asked Questions on over 90s Travel Insurance
Can a 90-year-old get Travel Insurance?
Yes, a 90-year-old can get Travel Insurance. Our policies can cover: All ages. All medical conditions. All destinations. We also offer cover to 99%+ of our customers4, so if you’re looking for over 90s Travel Insurance, you’re in the right place.
Is there a cut-off age for travel insurance?
At AllClear, our policies have no upper age limit because we believe travel is for everyone. Some insurance providers, however, will have an upper age limit cut-off for their policies due to the increased chance of claiming on a policy as we age.
How much does travel insurance for over 90-year-olds cost?
There are many factors that will affect the cost of a Travel Insurance policy, such as:
- Your age
- Your medical history
- Where you’re going
- How long you’re going for
If you need to make your Travel Insurance cheaper, you can try to change a few of these factors. You won’t be able to do much about your age, but you can change your destination or how long you’re going for.
Do you need Travel Insurance for Over 90s if you have a GHIC?
The UK Government recommends anyone who leaves the country get out the required type of Travel Insurance. The GHIC (Global Health Insurance Card) covers you for any emergency medical costs, such as surgery or prescription medication, in Europe. It doesn’t, however, cover you for everything that might go wrong on holiday. This means you’d have to pay out if you need transport to and from the hospital, lose your luggage or have cancelled flights.
Where can you go with Travel Insurance that covers seniors over 90?
At AllClear, we cover all destinations, as well as all ages and all medical conditions. Travel is for everyone, so no matter where you’re going, we’ll help you stay covered. We also offer optional extras, like Golf Cover or Cruise Cover. This means you’re protected no matter where you go, or how you go there.
Get the most out of your trips with our helpful guides
Where are you visiting?
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 family holiday or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip.
1 Providing you have purchased a policy that includes cancellation cover.
2 Based on 4358 responses. AllClear Annual Survey, February 2024.
3 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of February 2024.
4 Based on completed quotes between January 2023 – December 2023.
5 Based on 780 responses, January 2024.
