Travel Insurance for Over 90s

Many Travel Insurance policies have an upper age limit. Some insurers we work with have no upper age limit, which means cover can still be available in your 90s.

However, no upper age limit does not mean there are no other restrictions. Maximum trip duration and destination eligibility can vary with age, alongside medical and other underwriting criteria.

There isn’t one policy that will be best for every traveller over 90. The first consideration is which cover is available for your age, destination, trip duration and medical circumstances.

From the available options, look at the maximum trip length, medical and repatriation cover, cancellation limit, excess and any additional cover your holiday requires.

If you’re unsure, our team can talk through your requirements and help you understand the options available. Our service has also been recognised at the Insurance Choice Awards, including being named Best Travel Insurance Provider in 2023 and Highly Commended in 2025.

There isn’t a set price for Travel Insurance in your 90s. Your premium will be based on your individual circumstances and the holiday you’re planning, including your age, medical history, destination, trip length, holiday cost and the level of cover you choose.

The number of policies available can also be more limited at this age, so the best way to find out what your cover will cost is to provide your full trip and medical details and see the options available.

If you’d prefer to discuss your requirements before buying, you can also call our team on 0800 294 2969.

Selected policies can cover travellers over 90 with heart and circulatory conditions. Tell us about the condition, treatment, surgery, medicines and any recent hospital stays.

Type 1 and Type 2 diabetes can be covered. Medical screening may ask how it is managed, whether you use insulin and whether there have been recent complications or hospital visits.

Selected policies can cover cancer during treatment, after treatment or in remission. Tell us the exact diagnosis and current treatment when getting a quote.

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.

Yes, cruise cover is available through selected policies for travellers over 90, but options can be more limited depending on your age, the length of your cruise, destination and medical history. Maximum trip durations can also apply, so it’s important to check that the policy covers the full length of your cruise and every destination on the itinerary.

Cruise cover can include benefits such as cabin confinement, missed port departure and itinerary changes. You should also check the cruise line’s minimum insurance requirements before you travel.

Yes. A family member can help with the quote and medical screening, which can be useful if they usually help you with paperwork or have details of your medical history to hand. Make sure the answers given accurately reflect the traveller’s current health, including any medication, treatment and recent appointments.

Putting both travellers on the same policy can be useful if one person’s health means you both need to cancel or return home early. Each traveller will still need to provide their own medical information.

A GHIC is useful for eligible European trips, but it does not replace Travel Insurance. It will not cover everything, including repatriation, cancellation or baggage, so take both where the GHIC applies.