Over 90s Travel Insurance

Our over 90s Travel Insurance offers complete peace of mind, so you can travel with confidence. You’ll be covered for unexpected medical expenses, trip cancellations, lost luggage, and accommodation disruptions, all with the reassurance of no upper age limit and cover for pre-existing medical conditions.

What is over 90s Travel Insurance?

Over 90s Travel Insurance is designed to cover travellers aged 90 and above against specified unexpected costs before and during a holiday. This can include emergency medical treatment, repatriation, cancellation and lost or stolen belongings, depending on the policy selected.

AllClear policies have no upper age limit. We can also consider more than 1,300 pre-existing medical conditions, helping you find cover tailored to your health and travel plans.

Why do you need Travel Insurance when you’re over 90?

Medical emergencies abroad can be expensive, particularly if you need specialist treatment or repatriation to the UK. Travel Insurance can provide financial protection and access to emergency assistance when you’re away. According to the UK Government, treating a stomach bug or infection in a US hospital, potentially followed by medical repatriation, could cost £150,000 or more without appropriate Travel Insurance.

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
• According to our research, 70% of travellers consider cover for high medical expenses one of the most important parts of Travel Insurance¹

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 Provider². Our Gold Plus Travel Insurance is a Which? Best Buy, so if you’re looking for over 90s Travel Insurance, you’re in the right place.

What does AllClear’s over 90s Travel Insurance cover?

Our over 90s Travel Insurance protects you against unexpected medical costs, cancelled trips, and lost or delayed luggage. With specialist cover for over 1,300 pre-existing medical conditions, you can explore the world with confidence knowing you’re backed by comprehensive protection.

Choose the right level of cover

The cheapest over 90s Travel Insurance may not always offer the protection your trip requires. Compare the medical, cancellation and baggage limits included with Gold, Gold Plus and Platinum before deciding which policy suits your plans.

Consider the value of your booking, your destination and the potential cost of medical care when comparing policies. Your chosen limits should be sufficient for your individual trip.

For full details of what’s covered, please see your Policy Wording.

How long can you travel for with over 90s Travel Insurance?

Your age doesn’t have to bring your travel plans to a halt. AllClear’s over 90s Travel Insurance can cover longer holidays, family visits and other trips, subject to the policy and destination you choose.

For travellers over 90, a Single Trip policy can cover a journey lasting up to 104 days. Annual Multi-Trip cover allows several holidays during the policy year, with a maximum duration for each individual trip.

The limits below provide a quick guide. Please check your Policy Wording for the terms that apply to your cover.

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 99.5%+ of our customers³. 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 a full list of medical conditions here

What medical conditions do travellers over 90 need to declare?

When you apply for over 90s Travel Insurance, tell us about every pre-existing medical condition covered by our medical screening questions. This helps us understand your health needs and confirm what your policy can cover.

You’ll usually need to declare a condition if, during the past two years, you have:

• Taken prescribed medication
• Received treatment or medical advice from a GP, hospital or clinic, including a telephone or video consultation
• Received or been offered palliative care

You must also tell us if you’re currently on a waiting list for treatment or an investigation that could lead to you cancelling or cutting short your trip, or if you’ve been diagnosed with a terminal illness.

We’ll ask straightforward questions about your conditions, medication and treatment during the quote. It’s important to answer accurately and tell us if your health changes before you travel. Not declaring relevant medical information could affect your cover or a future claim.

Please check the Policy Wording for the full medical declaration requirements.

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.

• 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 Travel Insurance: Suitable if you have several holidays planned during the year. One policy can cover multiple trips, saving you from arranging new insurance each time you travel. Different destination options and maximum trip lengths apply, so check that your chosen policy covers every country you plan to visit
• Family Travel Insurance: Travelling with relatives? A family policy can bring eligible family members together under one policy, even if they’re different ages. Each traveller must provide the medical information requested during the quote

Where can you travel with over 90s Travel Insurance?

From holidays closer to home to visiting family overseas, your policy can be matched to the destination on your itinerary. The region you select must include every country you intend to visit, including any planned stopovers.

• UK Travel Insurance – Cover for eligible cancellation, lost or stolen belongings and other insured events during trips within the UK. Emergency medical treatment is not covered because this is available through the NHS
• European Travel Insurance – Suitable for trips to popular European destinations such as Spain, France, Italy, Portugal, Greece, Cyprus, Malta and Croatia. The countries included depend on the geographical region shown on your policy
• Worldwide Travel Insurance – Designed for journeys beyond Europe, including destinations in Asia, Africa, Australia and South America. You can select worldwide cover that includes or excludes the USA, Canada, Mexico and the Caribbean.

Destination and trip-duration limits apply. Check your policy documents and the latest FCDO travel advice before setting off.

What optional extras can you add to over 90s Travel Insurance?

Your quote will show the optional extras available for your age, destination and policy level. These can provide additional protection for particular types of holiday or items that may not be fully covered as standard.

• Cruise cover – Adds benefits designed for cruise holidays, which may include cabin confinement, missed port departures and changes to the planned itinerary
• Gadget cover – Provides additional protection for eligible devices such as mobile phones, tablets, cameras and laptops
• Golf cover – Can cover eligible golf clubs and equipment against loss, theft or accidental damage, alongside other golf-related benefits
• Natural Disaster cover – Can provide protection if an unforeseen natural disaster disrupts your travel plans. The event must not have been known when you booked your trip or bought the cover
• Excess Waiver – Available with selected policies and can remove the excess you would otherwise need to pay for an eligible claim

Optional cover costs extra and is subject to limits, exclusions and eligibility requirements. Check your quote and Policy Wording to confirm what is available and covered.

Is a GHIC enough for travellers over 90?

A Global Health Insurance Card (GHIC) can help you access medically necessary state healthcare during a temporary stay in many European countries. Treatment is provided on the same terms as it is for local residents, so you may still need to pay towards your care.

A GHIC is useful, but it does not provide the same protection as over 90s Travel Insurance. For example, it will not cover:

• Private medical treatment
• Medical repatriation to the UK
• Cancelling or cutting short your holiday
• Lost or stolen belongings
• Travel delays or disruption
• Personal liability

Travel Insurance can also provide cover for declared and accepted pre-existing medical conditions. Take your GHIC and your insurance documents with you when travelling in Europe so you can use the appropriate support if something goes wrong.

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.

Get your quote

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.

What should you do if you need to make a claim while travelling in your 90s?

Knowing who to contact and what information to keep can make the claims process more straightforward. Before travelling, save your policy number and emergency assistance details somewhere you and your travel companion can access easily.

What to do

• Contact the 24/7 emergency assistance team as soon as possible if you need medical help abroad. In an immediate emergency, call the local emergency services first
• Speak to the assistance team before agreeing to non-urgent treatment or making arrangements to return to the UK
• Follow the treatment and medication guidance given by the medical professionals caring for you
• Keep receipts, invoices, medical reports and written confirmation of anything connected to your claim
• Report theft to the local police promptly and ask for a copy of the police report
• Ask the airline, accommodation provider or travel company for written evidence of delays, cancellations or lost belongings
• Check the latest FCDO travel advice for your destination

What to avoid

• Don’t wait until you return home to tell us about an overseas medical emergency
• Don’t arrange additional treatment, transport or repatriation without contacting the emergency assistance team, unless urgent care is required
• Don’t throw away receipts or other documents that may support your claim
• Don’t travel against medical advice or if you have been told you are not fit to travel
• Don’t leave a change in your health undeclared before your departure

Every claim is considered under the terms, limits and exclusions of the policy. Visit our claims page for contact details and guidance.

There’s a reason 97% of customers would recommend us to family and friends⁴. Here’s what they have to say about us.