A simples guide

Travel Insurance for Over 80s

We don’t believe there should be an age limit on enjoying new experiences and having fun. That’s why when it comes to travel insurance for over 80s, we want you to have all the information you need so you buy a policy with confidence.

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Can the over 80s get insurance?

Well, it can be slightly trickier for older travellers to find a travel insurance policy, as some insurers have an age limit of 79. This is because statistically, those who are over 80 are more likely to make a claim (whether that’s medical treatment abroad, or ill health that prevents travelling resulting in a cancellation claim).

So if you're an over 80s traveller, it may be tempting to save yourself time and money and skip searching for an insurance policy altogether. But don't. Whether you’re spending a couple of days in France, or even two glorious weeks in the sun in Florida, the last thing you want is a hefty bill should anything untoward happen. So it's important to get the right type of insurance in place. 

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Finding the right travel insurance for the over 80s

The key to finding the right insurance policy is knowing where to look. Luckily, you’ve come to the right place.

When you’re searching for a travel insurance policy, bear in mind according to ABI data from 2014, the average cost for  travel insurance for 80-85 year olds is £96 and for 86–90 year olds it increases to £133 This will give you a good idea of what you can expect to be paying.

Can I get insured with a pre-existed medical condition?

Yes, you can. Although not all insurance companies offer over 80s travel insurance with medical conditions, there are certainly some that do. It’s important to make sure you declare any pre-existing medical conditions, as it will invalidate your claim if you don’t and you need to make a claim for a pre-existing condition.

These include anything from high blood pressure, diabetes, and epilepsy, to angina, heart conditions and cancer. But if you do suffer from any of these conditions, it doesn’t mean you’ll always be refused cover. There are plenty of insurers out there who are more than happy to help.

Will I have to pass a medical test to get travel insurance?

You’ll simply be asked a range of questions to do with any conditions you may have. You don’t necessarily have to pass a medical test to get covered, but insurers will be taking a look at your medical history, as this is what your insurance premium will be based on.

Where can I find the right over 80 travel insurance policy?

Right here. All you need to do is answer a few simple questions and we’ll compare insurance providers to help you find over 80s travel insurance that’s perfect for you. We recommend taking out your insurance policy as soon as you’ve booked your holiday so that you are covered if something happens that means you have to cancel your holiday. Then you can kick back and relax and start planning all the sports and activities you’re going to do.

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