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Can over 80’s get travel insurance?
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 far, we 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.
Should I declare my pre-existing medical conditions on my travel insurance?
Travelers over-80 have a higher chance of suffering from medical conditions like cancer or heart disease and may find it hard to get travel cover at an affordable price, as many policies exclude pre-existing conditions.
It is, however, always important to have comprehensive travel insurance, irrespective of age.
You can declare your medical conditions through our medical screening process via our website or by speaking to one of our trained professionals over the phone.
Once all pre-existing medical conditions are declared, our tailored over 80s policy will provide you with the protection you need, giving you peace of mind.
If you choose not to disclose, the validity of your policy may be affected.
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.
What’s Covered?
Medical bills and repatriation in case you need to pay for any medical care while traveling and for repatriation should doctors decide to transfer you to the UK. We provide up to £15 million of cover plus 24/7 access to an Emergency Medical Assistance Service
Cancellation and curtailment if an unforeseen emergency or a medical problem means you have to cancel or cut short your trip.
Baggage & personal possessions, we offer specialist insurance for expensive gadgets (up to 7) such as mobile phones and tablets which are typically excluded from travel insurance policies.
Airline or end supplier failure to protect your money if your travel company goes bust and your holiday isn’t protected by the ABTA or ATOL schemes. AllClear offers this as standard on all policies.
The key benefits you can get
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
Our 3 step quote process
Read AllClear Trustpilot Reviews
“My enquiry was handled very efficiently and at 89 years of age I have been able to take out an annual travel insurance policy with AllClear when most other companies do not offer this beyond the age of 85.
By tailoring the policy to my needs AllClear were able to discount the price which made it both affordable and competitive.” Jeanie -Trustpilot
Over 80s travel tips
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.
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:
- NHS: Before you travel
- Fit For Travel: Air Travel – Health Issues
- NHS: Apply for a free EHIC (European Health Insurance Card)
Frequently asked questions about travel insurance for over 80s
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 traveling for, what medical conditions you are traveling with and your age, we can produce a range of quotes and prices for over 80 travel insurance cover.
How often can you travel with over 80s travel insurance?
With our over 80s travel policy, you can take 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. You can see the maximum trip duration for each of our providers here.
Where can you travel to with AllClear’s over 80s travel insurance?
You have three regions to choose from: Europe, Worldwide excluding North America, and Worldwide including North America.
How do you renew your over 80s travel insurance policy when it runs out?
You will receive an email up to 30 days in advance letting you know your policy is due to expire. You can renew your over 80s travel policy simply by logging into your account through the customer login area. If your circumstances have changed, simply go through the AllClear quote process for up to date comparison quotes.
How is the cost of over 80s travel insurance calculated?
A number of variable factors are taken into consideration when calculating premiums. These include: The destination to which you are traveling (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
Can you purchase over 80s travel policy which covers your pre-existing medical conditions?
Yes, you can. Once you complete the medical screening, you will be offered a number of products that will cover your pre-existing medical conditions.
How to make sure you are ‘Fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy. If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you purchased your policy, and the date when you were declared unfit to travel.
What if you purchase an over 80s travel policy then your medical conditions change?
If you’ve purchased an over 80s travel 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.
