If you are over the age of 80 you may have found trouble getting insurance, particularly if you’re suffering from a medical issue like cancer or a heart condition. This is because some insurance providers set an upper age limit on their policies. Travel insurance can give you peace of mind on the off-chance that something goes wrong while you’re abroad.

Whilst many people in later life may not wish to venture as farwe know that for many people over 80, travelling with friends and family is something that they still very much enjoy doing. Travel insurance can give you peace of mind on the off-chance that something goes wrong while you’re abroad.

Did you know?

A 2015 study conducted by the National Employment Savings Trust found that 62% of those surveyed who were retired chose traveling as what they most liked to do.

Pre-existing medical conditions and over 80s travel insurance

Travelers over 80 have a higher chance of suffering from medical conditions like cancer or a heart condition and may find it hard to get travel cover at an affordable price, as many policies exclude pre-existing conditions.

As market leading specialists, AllClear gives you access to products that can quote on all conditions and have no age limits. This gives you peace of mind should you have a problem and also allows you to continue enjoying trips overseas for years to come.

• No age limits on both single trip and annual multi-trip policies*.
• Maximum 45 day trip length for each trip on an annual multi-trip policy*.
• Access to a 24 hour emergency assistance helpline.

*Providers will vary, so do check the cover limits of the policy you intend to purchase.

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How do you choose what’s best for you?

Whether you want travel insurance for over 80s single trip or annual multi-trip insurance, Worldwide or just Europe, our specialist knowledge and carefully selected partners will ensure that you will be offered a choice of options. These will be displayed once you have completed the quote process.

If you’re over 80 with medical conditions, you will have to go through our quote process, answering questions about your medical condition (conditions), the complexity of which may result in a reduced number of providers able to offer you cover.

You’ll quickly be able to compare quotes and for further reassurance before making your choice, you can also read policy wordings for each quote given.

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

If you want to travel to a specific destination for longer than 31 days then a single trip would be the best choice.

Single trips for over 80 travel insurance work well when you only have one trip planned, particularly if that trip is for a relatively short period of time.

Where your travel plans include a number of trips in any twelve month period, then it is likely that an annual multi-trip over 80s 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.

For over 80s travel insurance where an annual multi-trip policy has been bought, it is very important that you tell us should there be any change in your medical condition or medication during the lifetime of your policy.

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 what I pay for my policy?

By telling us where you are going, how long you are travelling for, what medical conditions you are travelling with and your age, we can produce a range of quotes and prices for over 80 travel insurance cover.

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Planning for a trip abroad can be very exciting, from deciding where you want to go to where you’ll stay and what you’ll visit when you arrive. There’s so much to think about which is why it’s always best to be prepared!

Travelling is something nearly all of us love to do throughout life and getting older shouldn’t mean you can’t still travel to the places you want to see.

If you’re over 80, having comprehensive medical travel insurance is an important part of planning your trip. Organising your travel insurance sooner rather than later when planning your holiday can be beneficial if you choose to have cancellation cover on your policy.

See your doctor before you travel

• Before you travel, it’s a good idea to see your GP to talk through your travel plans. They will be able to tell you if they have any concerns about you travelling or they’ll declare you fit to travel meaning you can continue planning your trip. Seeing your doctor before you travel is also a good idea if you take regular medication. They’ll be able to give you extra supplies of your medication in case of delays and they’ll also be able to help you out 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 to go for 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 to be taken to your terminal by wheelchair. This will save you standing around and having to walk to your terminal, especially if your terminal is a 15 minute walk away.

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

European Health Insurance Card

• If you’re travelling within Europe, you’ll be entitled to an EHIC (European Health Insurance Card). You can get this free from the NHS. This will entitle you to the same level of medical cover as the residents in the country you’re visiting meaning you’ll receive either reduced cost or even free medical treatment if you require it. However, this won’t cover you for repatriation, cancellation and baggage loss so it’s important to always take out a travel insurance policy alongside this.

Staying healthy when abroad

• It’s enjoyable to relax and unwind while on holiday, however, it’s important not to forget about your health while you’re in another country.

• Aim to drink plenty of water and remain well hydrated especially if you’re going to a hot country with high temperatures. If you’re normally fairly healthy then you don’t have to let this slip while you’re away and healthy eating certainly doesn’t have to be boring. 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!

Article References:

1. NHS: Before you travel 
2. Fit For Travel: Air Travel – Health Issues
3. NHS: Apply for a free EHIC (European Health Insurance Card)

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