Our over 80s travel insurance covers you for all the holiday essentials: medical emergencies, travel delays and cancellations. We have no age limits on our travel insurance and, if you declare any pre-existing conditions, we can cover those too for you.
What is over 80s travel insurance and how does it work?
Over-80s travel insurance is a type of travel insurance policy that specifically caters to people over the age of 80. This means insuring you for unexpected events during or before your holiday. We’ll also cover any pre-existing medical conditions you declare.
Travel insurance is incredibly important, especially as we get older. You want to enjoy your retirement, not worry about unexpected expenses from holiday hiccups, like hospital trips.
So that’s why we’re here to keep you financially protected when you travel. So you can enjoy your trip without worrying about surprise costs.
What does InsureandGo’s over 80s travel insurance cover?
What’s covered
All our yearly travel insurance policies include:
- Medical emergency expenses cover
- Cover for cancellation of your trip
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
- Delayed departure cover
- Personal accident cover
What’s not covered
We strive to provide the best cover possible, however, there are some situations no travel insurance will cover. For example:
- Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.
Find out about our optional add ons for activities like extreme sports, cruises and golf.
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.
Age restrictions
We think holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit.
Trip length
Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.
If you want to be abroad longer than this, you’ll need our long-stay travel insurance.
Valuables
The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions.
If you’ll be taking away something a bit more expensive you can add our valuables extension.
The best travel insurance for over 80s
If you’re heading off to do something special, your age shouldn’t stop you. That’s why we offer all sorts of extras for your travel insurance policy.
- Cruises: Adding cruise cover to your policy protects you against some cruise-specific mishaps, like a missed departure, cabin confinement, or even repatriation back to the UK from the sea.
- Single trip cover: Just heading abroad once this year? Single-trip travel insurance might be the way to go.
- Golf: Rest assured on your golfing holiday with our golf holiday travel insurance, which covers your equipment, green fees and your golf clubs.
- Europe or worldwide cover: Taking a once-in-a-lifetime trip with multiple stops? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance.
- Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday, even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Travel insurance for over 80s with pre-existing medical conditions
At InsureandGo, we’re proud to offer travel insurance for medical conditions. Examples of medical conditions we can cover include:
- Heart-related conditions
- High blood pressure
- High cholesterol
- Diabetes
- Asthma
- Disabilities
- Epilepsy or Stroke
- Cancer
It’s important to declare any medical conditions you have before you buy your policy. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents.
If you’d rather talk to someone with your questions, then please get in touch with us.
Which destinations are covered by over 80s travel insurance?
We offer over-80s travel insurance policies based on the following destination groupings:
- The UK
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us.
How to book travel insurance for over 80s
You should be free to enjoy your time, not bogged down sorting out travel insurance. That’s why we make getting an over-80s travel insurance quote as easy as possible.
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
After you’ve given us all the details we need, we’ll send you over a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.
“If you’re over 80 and booking your next trip, make sure to sort your travel insurance. his protects you against unexpected medical costs, including repatriation back to the UK. Plus, travel insurance for pre-existing medical conditions will also cover any lost medications, so you’re not caught short if you forget to pack something.”
Letitia Smith – Travel insurance expert
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Frequently asked questions on travel insurance for over 80s
Can 80 year olds get travel insurance?
Yes, people aged 80 and over can get travel insurance.
When buying travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses you might need. Each policy is different, so be sure you check yours.
What is the maximum age you can insure up to?
InsureandGo offers travel insurance with no upper age limit. Our policies always include cover for over 100 sports and activities, no matter what your age.
Will my policy be more expensive if I’m over 80?
The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as golfing.
Does my over 80s travel insurance change depending on where I’m going?
Yes. Policy premiums are affected by your destination, however this is the same for travellers of all ages. Prices differ because countries have different costs for medical treatment. For example, travel insurance for the USA costs more because medical treatment in America is a lot more expensive than the same treatment in certain European countries.
How long can I travel for if I’m over 80?
You can travel for as long as everyone else! Our policies do have trip limits, but these apply to all travellers, regardless of age. On our single-trip travel insurance, you can be abroad for up to 365 days if you want to!
Our annual multi-trip travel insurance allows you to travel as often as you like, but there’s a maximum number of days for each trip. Budget level policies provide cover for up to 31 days at a time, while Silver or Gold covers you for up to 45 days. Black policies can cover unlimited trips of up to 55 days.
Do I need a GHIC card as well as travel insurance?
The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country. While your Global Health Insurance Card or GHIC (previously EHIC) will cover you for medical expenses directly, it will not cover any additional holiday hiccups, like lost luggage or repatriation back to the UK.
All British citizens are entitled to a GHIC. These cards will cover any necessary treatments you may require in Europe. However, these cards do not replace European travel insurance, so make sure you arrange it before you travel.
What is considered a pre-existing condition for travel insurance?
It is considered a pre-existing condition if any person insured on a policy has:
- Taken any prescribed medication or received medical treatment within the last 2 years
- Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
Before purchasing travel insurance for medical conditions, you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.
What happens if I don’t declare a pre-existing condition on my travel insurance?
If you don’t declare your pre-existing condition before taking out your travel insurance policy, you will likely find that the entire policy becomes invalid, leaving you responsible for all costs incurred when abroad. This means not only medical bills but also transport to and from the hospital, as well as any other accidents, like lost luggage.
How far in advance should I get travel insurance?
Book your travel insurance as soon as you book your trip. Doing it like this means you’re covered if there are issues ahead of your trip. If you can’t do this straight away, get cover as soon as possible. It’s important to remember that your travel insurance will only be valid if you purchase it before you leave the UK.
If you’ve booked any activities or excursions while on holiday, make sure you check the wording on your policy to ensure that the insurance covers any risks from these activities.
Who can buy an InsureandGo over 80s travel insurance policy?
All our over 80s travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of buying
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our over 80s travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
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