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Home » Travel insurance » Over 85’s Travel Insurance

Can over 85’s get travel insurance?

Over 85’s travel insurance covers you if you’re over the age of 85 and wish to travel, even if you have pre-existing medical conditions. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and unnecessary complications that could occur while on holiday.

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’s 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.

What travel insurance is best for seniors?

Age shouldn’t stop you from making the most of your holiday. The best travel insurance for senior citizens should be tailored to suit you and your travel needs, providing cover for any pre existing medical conditions with no upper age limits and enhanced COVID-19 cover.

Coronavirus cover for over 80’s

We’re delighted that 98% of our survey respondents over the age of 80 have now received at least one dose of the covid vaccine. It means that those aged 80+ will soon be able to travel again safely.

However, even with the success of the vaccine, in post-covid-19 travel era coronavirus cover is essential. It ensures that you and your holiday are protected and is especially important if you’re over 80 or have pre-existing medical conditions.

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.

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.

GHIC cover for over 80s

As of the 31st January 2020, the Uk officially left the EU.  Following the Brexit agreement, the GHIC will now replace the EHIC card. The GHIC is valid in 27 countries within the UK and offers UK residents the same level of cover as the EHIC card previously offered.

What is the cheapest travel insurance for over 80s?

The cheapest travel insurance for over 80s may not provide you with adequate cover. Comprehensive cover may be a little higher in price but will provide value for money with quality cover, offering you the protection you need to travel with confidence.

What should I cover with travel insurance?

Travel insurance should cover the following: medical expenses, cancellation and curtailment, baggage as well as enhanced COVID-19 cover. If you have any pre-existing medical conditions you will need to declare them during the screening process to ensure that you’re covered. Lastly you should consider adding extras such as gadget cover or cover related to any particular sporting activities you have planned.

What else can we cover?

Check out additional benefits which make our over 85’s travel insurance truly comprehensive.

  • 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’re 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 extras 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. Upgrade your cover so you have the level and quality you need.

The UK’s most trusted for travel insurance on Trustpilot*

Thank Heavens for AllClear

“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

Read AllClear Trustpilot Reviews

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 need 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

Frequently asked questions 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.

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?

We cover a whole range of activities with no additional cost (check your policy booklet), but you can also add on specific Golf and Winter Sports cover for an additional cost.

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.

Author notes

By Daniel Davies, AllClear Medical and Travel Content Creator. “It’s important that our customers feel safe and confident whenever and wherever they travel. For peace of  mind, we always provide the latest insights to ensure that you are well informed when it comes to making any travel-related decision ”

Edited by Letitia Smith, MSc, Content Manager.

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