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Travel Insurance for Over 80s

Finding Travel Insurance after 80 may require a specialist provider. Tell us about your health and holiday so we can identify suitable policies, then compare the medical limits, excesses and exclusions carefully.

Find travel cover with no upper age limit
Cover for hundreds of pre-existing medical conditions
Medical screening available online or over the phone
Cover for single trips or annual policies available (terms apply)

Get a Quote Call us 0800 294 2969

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Can I Get Travel Insurance When I’m Over 80?

Finding travel insurance for over 80s can be more challenging than in previous years. Some insurers apply upper age limits or restrict cover for certain destinations.

Getting your trip covered is possible. At Just Travel Cover, we compare travel insurance from our panel of insurers, including those with no upper age limit on selected policies.

Compare your cover options based on your age, destination, trip duration and any declared pre-existing medical conditions.

Compare Travel Insurance for 80+

We’ll compare policies across our range of quality providers, helping you find cover that’s tailored to your age, destination and any pre-existing medical conditions.

Comparing policies across our panel of insurers means you can see which policy best suits your trip, based on:

Your age
Your travel destination and duration
Your declared medical conditions
The medical and cancellation limits that suit your trip
Any cruise or activity cover you need
How much excess you want to pay

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What’s Covered?

Whilst the right policy can be harder to find, some travel insurance for over 80s can include protection for needs such as pre-existing medical conditions. The important thing is to find the policy that covers what you need.

Emergency medical expenses and repatriation up to £10 Million
Cancellation cover up to £22,500 per person up to age 85
Curtailment cover up to £12,500 per person
Baggage cover up to £3,500 per person
Missed departure cover up to £1,500 per person
24-hour emergency medical assistance

Exclusions vary between insurers. Depending on the policy, you may not be covered for:

Medical conditions that were not declared
Changes in health that should have been reported before travelling
Travelling against medical advice or to receive planned medical treatment
Travelling somewhere the FCDO advises against visiting
Claims resulting from excessive alcohol consumption or drug use
Cruises, winter sports or other activities where the required cover was not added
Incidents you knew about before buying the policy
Cancellation because you no longer want to travel

*Every insurer applies its own exclusions, conditions and claim requirements. Read the policy wording for the cover you are considering before purchasing.

Can I get Travel Insurance for Over 80s with Pre-Existing Medical Conditions?

We specialise in helping travellers compare cover for hundreds of pre-existing conditions. If you’re over 80 and living with one or more medical conditions, we could still help you find cover for your trip.
We commonly help travellers with:

Heart and circulatory conditions

Including atrial fibrillation, angina, heart attack, high blood pressure and other cardiac conditions. Visit our Heart Conditions Travel Insurance page.

Cancer

Whether you’re living with cancer or have previously received treatment, we’ll help you compare suitable policies once your condition has been declared. Read our Cancer Travel Insurance guide.

Diabetes

We compare policies for travellers living with both Type 1 and Type 2 diabetes. Find out more about Travel Insurance for Diabetes.

Arthritis and joint conditions

Whether you have osteoarthritis, rheumatoid arthritis or another joint condition, it’s important to declare it when arranging your Travel Insurance. Find out more about Travel Insurance for Joint & Bone Conditions.

Medical screening asks questions relevant to the conditions you declare, which may include recent treatment, medication, hospital admissions or changes in your health. Answering accurately allows us to show the policies available for your circumstances.

If your health or medication changes after buying your policy, check whether you need to tell your insurer before travelling.

Choosing the Right Travel Insurance Policy for Over 80s

No two holidays are the same, and everyone travelling has their own set of requirements. That’s why it’s important to choose a policy that’s right for the way you travel.

Our Expert Says

“Being over 80 doesn’t automatically mean your Travel Insurance options are limited. We work with insurers that offer policies with no upper age limit and can consider hundreds of pre-existing medical conditions. I recommend everyone to declare their medical history accurately and enter their full trip details, so we can show you the policies available for your circumstances.”

Amy Smith

Customer Experience Executive at Just Travel Cover

What Affects the Cost of Travel Insurance for Over 80s?

Every traveller is different, so insurers will consider a range of factors when calculating the price of your policy, including:

Your destination
The length of your trip
Any pre-existing medical conditions you’ve declared
The activities you plan to take part in, such as cruising or winter sports
The amount of cancellation cover you need
The level of cover you choose

If you’re looking for cheap travel insurance for over 80s, it’s worth remembering that the lowest-priced policy doesn’t always cover everything you need for your holiday. To find a policy that suits you, compare what’s included such as emergency medical expenses and cancellation limits.

Where Can I Travel with Travel Insurance for Over 80s?

Whether you’re planning a European city break, a Caribbean cruise or a once-in-a-lifetime world cruise, we’ll help you compare suitable cover for your trip.

You can compare your cover options from our panel of insurers across a range of popular destinations, such as:

Spain, Portugal and the Canary Islands
Greece and the Mediterranean
River and ocean cruises
Australia and New Zealand
Canada and the USA
Worldwide holidays and multi-centre trips

View all Destinations

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Before You Travel

Before setting off on your holiday, remember to:

Check the latest FCDO travel advice for your destination.
Apply for a GHIC if you’re travelling to participating European countries.
Take enough medication for your trip and keep it in your hand luggage where possible.
Carry a copy of your prescriptions and any important medical information.
If you are taking a wheelchair, mobility aid, CPAP machine or other medical equipment, check
Whether it is covered and whether your airline needs advance notice.
Read your travel insurance documents before you travel so you understand what’s covered.

If your health or medication changes after buying your policy, you must notify your insurer. You can make some changes online through our existing customers portal.

If you’d like more general advice on planning holidays later in life, Age UK provides practical guidance for older travellers.

Single Trip Travel Insurance

Single trip travel insurance provides cover for a single trip, from the day your policy starts until you return home. Cancellation cover can begin as soon as your policy starts, helping protect the money you’ve invested before you travel.

Annual Multi-Trip Travel Insurance

If you plan to take several holidays in a year, annual multi-trip travel insurance could save you money. Instead of arranging a new policy for every trip, you’ll have cover for multiple holidays within your chosen area of cover, subject to the maximum trip duration.

Cruise Travel Insurance

If you’re planning a cruise, you’ll need a policy that includes cruise cover. Standard travel insurance may not include cruise-specific benefits such as missed port departure, cabin confinement or itinerary changes.

Travelling together?

If you and your partner live at the same address and are travelling together, you can usually insure yourselves on the same policy.

Each traveller completes their own medical screening, meaning both sets of medical conditions are individually assessed while keeping everything on one policy.

Over 80s Travel Insurance FAQs

What is Over 80s Travel Insurance?

Travel Insurance for over 80s is designed to overcome the more unique challenges of securing cover after reaching a certain age. The older we get, the more important it is to get the right Travel Insurance, but if you have any pre-existing medical conditions, it can sometimes be harder to find. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

Can I get Travel Insurance for over 80 with medical conditions?

Yes. We compare policies that can provide cover for hundreds of pre-existing medical conditions. Simply declare all medical conditions during the quote process so we can compare suitable options for your circumstances.

What is the cheapest Travel Insurance for over 80s?

The cheapest policy isn’t always the best value. A lower-priced policy may have lower cancellation limits, higher excesses or exclude features that are important for your holiday. By comparing policies from our panel of insurers, you can weigh up both the price and the level of cover, helping you choose a policy that’s right for your age, destination, medical history and travel plans.

Can I get Annual Travel Insurance if I'm over 80?

Yes. Annual Multi-Trip Travel Insurance is available for many travellers over 80, subject to your age, destination, medical history and the maximum trip duration covered by the policy.

Can I travel to the USA if I'm over 80?

Yes. Many holidaymakers over 80 visit the USA every year, and we can help you compare Travel Insurance for the USA. As healthcare in the USA is among the most expensive in the world, it’s important to choose a policy with a high level of emergency medical cover and to declare any pre-existing medical conditions when getting a quote. If you are planning a cruise or longer holiday that includes the USA, it’s worth checking that your cancellation cover reflects the full cost of your trip.

When should I buy Travel Insurance?

It’s best to arrange your Travel Insurance as soon as you’ve booked your holiday. If you choose a Single Trip policy, cancellation cover can begin as soon as your policy starts, helping protect the money you’ve already spent if you need to cancel for an insured reason.

Can my partner travel on the same policy?

Yes. If you and your partner live at the same address and are travelling together, you can usually take out a joint policy. Each traveller should declare their own medical conditions during the quote process so you can compare suitable cover.

Why do I need to declare my medical conditions?

As you get older, it’s more likely you’ll be travelling with one or more pre-existing medical conditions. When getting Travel Insurance for over 80s, it’s important to declare all relevant medical conditions, even if they’re well managed or you don’t think they’ll affect your holiday. This allows us to compare policies from our panel of insurers that can provide suitable cover. If a condition isn’t declared, it could affect your ability to make a claim if you need to cancel your trip or require emergency medical treatment while you’re away.