Can over 85’s Get Travel Insurance?
We know that for many over 85-year-olds you still love to travel with your family and friends! Many travel insurance providers choose not to cover over 85’s, but at AllClear, we believe you have the right to travel at any age, for both single trip and annual multi-trip cover. And even if you have a pre-existing medical condition – like diabetes, cancer, or heart disease.
Travelling with family and friends is one of life’s greatest pleasures, and we’re here to make it happen!
Read on to find the right over 85’s travel insurance policy for your trip.
Do You Have to Declare All of Your Pre-Existing Medical Conditions?
Yes. It is important to declare all your pre-existing medical conditions you may have, regardless of your age. If you choose not to disclose all your conditions, the validity of your policy may be affected, which could leave you out of pocket…
Just falling out of bed cost one UK holidaymaker £153,000 after breaking his arm in San Francisco. While most holidays pass trouble-free, our specialist medical cover for 85’s will provide you with the protection you need – just in case.
Simply declare your medical conditions through our easy 3 steps medical screening process online or by speaking to one of our trained professionals over the phone.
Why Choose AllClear? The Key Benefits
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £25,000.
- Personal Belongings covered up to £3,000.
- All medical conditions. All ages. All destinations.
Get Quotes in 3 Easy Steps
Compare up to 61 prices online and get comprehensive cover in a matter of minutes!
1. Call us or click a quote button on our siteOnce 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 processYou then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.
3. Get your quotesYou will then get your quotes and can either proceed to buy, or save your quote, at this stage.
What Else Can We Cover?
Check out 4 additional benefits which make our over 85’s travel insurance truly comprehensive.
- Airline or end supplier failure cover as standard on AllClear Gold and Gold Plus policies, which make sure you don’t lose money if your travel company goes bust and your holiday isn’t protected by the ABTA or ATOL schemes
- Cover for travel delays costs should you need to make alternative arrangements if any booked transport is heavily delayed or cancelled
- Extensive cover for baggage and possessions including your money, passports and travel documents in case they are lost, damaged or stolen while you are travelling
- Cover for a variety of activities free of charge on AllClear branded policies – including jet-skiing, horse riding, scuba diving (up to 30 meters deep), safari and gorilla trekking, cycling, and if you fancy it, even zorbing!
Your Optional Extras
The fun doesn’t stop when you’re 85 and over, so we provide extra cover for your adventurous trips! Here’s 3 optional extra you can add to your cover…
- Winter Sports cover including for piste closures or unused portions of your ski pack
- Golf Cover including loss of green fees or a round of drinks for up to £100 if you get lucky enough to hit a hole-in-one!
- Gadget Cover for up to 7 devices such as mobile phones and tablets for up to £3,000 – which may not know is excluded from baggage cover for most providers Upgrade your cover to ensure you have the level and quality you require.
The UK’s Most Trusted for Travel Insurance 0n Trustpilot*
“Thank heavens for AllClear travel insurance. Just because a person is over 85 doesn’t mean they don’t still want to be able to travel if they are fit and able to do so. AllClear make it possible. Hopefully, I’ll still be travelling in my 90s.” – Mrs Karin Castle
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Join over 3 million holidaymakers who have trusted AllClear cover!
Travel Tips For over 85’s
If you’re planning another trip soon, here is a few things that you can do to help make sure everything goes to plan and you can travel with peace of mind…
Start the planning phase with a visit to your GP
Especially if you have a pre-existing health condition and want to travel long-haul. Tell your GP about the destination and your method of transport. The GP will assess your suitability for travel, raising any potential concerns and giving you general health advice as well as information about vaccines.
Check that you have enough medication for your whole trip
Including extra medication in case of delays or emergencies. Some medication may require syringes or injection pens and it’s important to have a medical certificate for these if you need to keep them in your hand luggage.
Do you have mobility problems?
All UK airports offer an assistance service for passengers with reduced mobility (PRM). Note that this isn’t for disabled passengers only – it covers anyone who has difficulty walking. The service is needs-dependant, which means you can receive help from your arrival to checking-in and through to boarding.
Get to know your travel insurance documents
Make a note of any emergency numbers should you need to use them. Even better, save them to your phone or tablet for ease of access. If you lose your documents, just give us a call on 0800 640 4811 or chat to us online. We’ll send you replacement documents in no time.
Factors That Can Affect the Cost of Your Travel Insurance
Cutting down the costs and obstacles
There are a number of factors that determine your premium and which we use to calculate your level of risk. This includes factors like your medical conditions and the country you are travelling to.
*Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 500 reviews in the last 12 months as of October 2019
FAQ’s About Travel Insurance for over 85’s
Should you get single trip or annual multi-trip cover?
Single trip travel insurance is a policy that covers you for a one-off trip on selected dates. It has the great benefit of allowing you to travel for longer: up to 92 days online.
If you’re planning on getting away a few times in the next 12 months, buying an annual multi-trip policy can be cheaper. Also, annual cover gives you the freedom to travel as many times as you like throughout the year! The maximum trip duration does change between annual multi-trip policies, and you can view them here: Maximum trip durations. As an example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover – however old you are. And you can even pay a little bit more to get an extension for up to 55 days!
What if you are on a waiting list for treatment?
We’re pleased to say you can include Waiting list cover on AllClear Gold and Gold Plus policies.
Does the over 85' s travel insurance cover damages from natural disasters?
To be covered for natural disasters, such as a hurricane or earthquake, you can add our Optional Extra of Travel Disruption.
How often can you travel with over 85's annual travel insurance?
For AllClear Gold and Gold Plus annual multi-trip policies, 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 may be restrictions on how many times you can travel in 12 months for other providers on our quote panel. You can also check out the maximum trip duration for each holiday per provider here.
Where can you travel to with AllClear’s over 85's travel insurance?
We cover all destinations. For a single trip policy, simply enter the name of the country or countries you will be visiting. For an annual multi-trip policy, you have three regions to choose from: Europe, Worldwide excluding North America, and Worldwide including North America.
How is the cost of over 85’s travel insurance calculated?
A number of 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 and your age and the level of benefits being offered to you.
Also, quote premiums vary by the provider because they can offer different levels of cover, excesses, and upgrades.
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 bought your policy, and the date when you were declared unfit to travel.
What if you buy an over 85’s travel policy then your medical conditions change?
If you have bought an over 85’s travel policy and you need to amend a detail of 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 of any changes before you travel to ensure your policy is the most up to date and you’re still covered.
Does the over 85's travel insurance cover sports and other activities?
Over 85's travel insurance and the EHIC
If you already have a European Health Insurance Card (EHIC) – great!
But, remember! This only gives you access to the default state healthcare system within a given country. The EHIC does not replace travel insurance. For example, it won’t cover you for:
- Needing to cancel the holiday before you go
- Medical transport (repatriation) to get back home
Having a comprehensive travel insurance policy is even more critical if you’re travelling outside of Europe.
How can we help you find over 85's travel insurance for pre-existing medical conditions?
Most travel insurance policies are optional, but if you recently have or had a medical condition such as diabetes, high blood pressure or stroke, buying medical travel insurance might be a pre-requisite to your travel.
We are an experienced medical travel insurance provider. Many of our customers have pre-existing medical conditions. For most medical conditions we can provide full cover, including cancer, heart disease, and diabetes.
What counts as a pre-existing medical condition?
There are some medical conditions that you always need to declare:
- Any respiratory conditions, heart conditions, any neurological conditions (including stroke and epilepsy), cancer, blood circulatory conditions, any diabetic conditions, any renal, liver or kidney conditions, any psychiatric or psychological conditions (including anxiety, stress and depression).
If your medical condition is not in the above categories, you only need to tell us about anything for which you have received surgery, in or out-patient treatment, tests or investigations for in a hospital, clinic or GP surgery within the last 24 months. Or any medical condition for which you have been prescribed medication in the last 5 years.
For more information, read our medical warranty help article.