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Home » Travel insurance » Over 80’s Travel Insurance

Do you need travel insurance for over 80’s?

The cost of medical treatment abroad can be very expensive. A comprehensive medical travel insurance policy is vital to protect you from massive financial costs. Medical insurance for the over 80’s can cover all pre-existing medical conditions, as well as medical emergencies or cancellations relating to Covid-19.

COVID-19 and travel for over 80s

It’s great news that the majority of over 80s in the UK have been offered the COVID-19 vaccine. We hope you are feeling more confident about  travelling soon, with the right travel insurance.

Our AllClear annual report of over 3000 customers (February 2021) found that 68% feel more confident to travel this summer following their vaccination. Chris Rolland, CEO of AllClear says “ A vaccine has transformed fear to hope and will bring forward people’s travel plans.”

And as of February 2021, we delighted to reveal that 98% of those aged 80+ that responded to our vaccination survey have received at least 1 dose of the vaccine.

Our fully enhanced Coronavirus cover will cover you for any medical treatment required while away for a positive diagnosis of COVID-19. We understand that since the COVID-19 pandemic, safety when travelling has become a main priority for UK holidaymakers. “Our July survey starkly showed that, for those considering a trip abroad, safety dominated the questions being asked. At AllClear, we worked hard over the summer to to help make travel safe again.” Chris Rolland, CEO of AllClear.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Cover for pre-existing medical conditions for the over 80’s

We offer specialised medical insurance for pre-existing conditions. If you’ve been diagnosed with a medical condition then you need a tailored medical travel insurance policy that will cover the condition. Our AllClear policies cover all pre-existing medical conditions and cover you for any unforeseen emergency medical treatment you may need while away.

What’s a pre-existing medical condition?

A pre-existing medical condition is any condition you have been diagnosed with, had a follow up appointment for or have taken prescribed medication for in the last 5 years.

Some examples of pre-existing medical conditions we can cover are:

Flexible, tailored medical travel  insurance for the over 80s

Our AllClear branded policies offer a host of optional extras that allow us to fully design your policy to suit your specific needs. Ask our friendly help centre staff about what optional extra might be right for you.

  • Cruise Cover – as long as the FCDO are not advising against travelling on a cruise then add cruise cover to your policy to ensure you are fully covered for any eventuality
  • Gadget Cover – personal electronic items that you may want extra cover for can be covered by an AllClear policy as well
  • Golf Cover – add golf cover to your AllClear policy if you are planning to play golf on your holiday and let us protect your golf equipment as well as other aspects of your golf holiday

GHIC cover for Over 80s

The GHIC has launched as part of the Brexit agreement between the UK and the EU. The GHIC replaces the EHIC and ensures that UK residents still receive the same care as a citizen of that country while travelling in Europe.

However, the GHIC does not cover all medical costs that may occur while you are away. It’s important to also have a comprehensive travel insurance policy in place before you leave the UK.

FCDO travel advice for over 80s

At AllClear we can offer you the full benefits of our 5-star independently rated insurance policies providing there are no current travel restrictions in place by the FCDO. If the FCDO is advising against travelling then we do not offer cover. Check the FCDO website for all the latest travel advice for the over 80’s looking to travel.

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. Freephone to get your quote on: or

Join Over 3 Million Holidaymakers

We used to use another provider

“With an online search under travel insurance for over 80’s we found this site AllClear Travel Insurance. We had used another provider (SAGA) on previous trips but their quotes had increased by over 60%. The online process was easy and we received over 40 quotes. We chose the cheapest platinum quote as it had the correct cover we required. We saved over £130.00 well worth the 20mins effort. Five-star review from us. Highly Recommended.” – Mr T.C. on Trustpilot

Over 80’s Travel Tips

From deciding where you want to visit to which activities you’ll be up to, planning for a holiday can be very exciting! But there’s so much to think about…

See your doctor before you travel:

Before you travel, it can be a good idea to see your GP to talk through your travel plans. They’ll be able to tell you if they have any concerns about you travelling or they’ll declare you fit to travel. Seeing your doctor before you travel is also a good idea if you take regular medication.

They’ll give you extra supplies of your medication in case of delays and they’ll also be able to help you if you’ll be changing time zones and aren’t sure when to take your medication once you arrive at your destination.

Travelling by plane

If you’re travelling by plane, take advantage of what your airline can offer you to make your trip easier and more comfortable. Priority boarding might be a good option so you can avoid the hustle and bustle of everyone boarding the plane all at once. If you have trouble walking or standing for long periods of time, you might be able to request a wheelchair in the airport or be taken to your terminal by wheelchair. This will save you standing around or walking to your terminal, especially if your terminal is a 15-minute walk away.

Lower your risk of deep vein thrombosis with gentle foot and ankle exercises and get up from your seat onboard when the seatbelt sign is off. You might also want to wear compression stockings throughout your flight to lower the risk of DVT.

Staying healthy when abroad:

Aim to drink plenty of water and remain well hydrated especially if you’re going to a hot country with high temperatures. Fill your plate with fresh fish and fresh salad and enjoy the local produce of the country you’re in!

While excursions and days out can be great when you’re on holiday, don’t feel you have to see and do everything if you know there’s a chance you might overexert yourself. The last thing you want is to overdo it on day one then be unable to enjoy the rest of your holiday. Sometimes relaxing by the pool with a good book is the best thing to do when you’re away!

Frequently asked questions for over 80’s travel insurance

What’s the difference between a single trip policy and an annual multi-trip policy?

Single trips for over 80’s travel insurance work well when you only have one trip planned, particularly if that trip is more than 31 days; the trip length limit for most annual multi-trip policies

Where your travel plans include a number of trips in any twelve-month period, then it is likely that an annual multi-trip over 80’s travel insurance policy could be a more cost-effective option.

Please be aware that all trips have to start and finish in the UK and also be mindful that your travels must not take you outside of your chosen region.

As specialist providers, our AllClear Gold and AllClear Gold Plus policies have no age limits, whether you opt for a single trip or an annual multi-trip policy.

Which factors may affect the price of your policy?

A number of factors are taken into consideration when calculating premiums. These include: The destination to which you are travelling (for example, Spain, the United States, and Canada are among the more expensive countries in which to receive medical treatment); The duration of your trip; The type and severity of your medical conditions; Your age and the level of benefits being offered to you.

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

Also, for our AllClear policies, we are continually reviewing and analysing all of our claims data to ensure that the premiums we offer are fair and accurate.

Where can you travel to with over 80's annual multi-trip travel insurance?

You have three regions to choose from: Europe, Worldwide excluding North America, and Worldwide including North America.

How often can you travel with over 80's annual multi-trip travel insurance?

With our AllClear over 80’s annual cover, you can take up to any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of the cover.
However, there are restrictions on the length of time you can be away for any one trip.

For AllClear Gold and Gold Plus policies, you can travel up to 45 days for any one trip, or get a trip extension up to 55 days per trip.

What if you buy an over 80's policy and then your medical conditions change?

If you have bought an over 80’s policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.

It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.

How is the cost of over 80's travel insurance calculated?

The price of your quote is primarily based on the following factors:

  • Likelihood of your medical conditions requiring treatment while abroad
  • Health care costs in your chosen destination
  • The distance of your destination from the UK
  • Your age

But you can also choose the level of cover you want on our comparison site, depending on which policy you choose.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.