Travel Insurance for over 80s
No matter your age, we think you should be able to see the world. That’s why InsureandGo policies have no upper age limit, and can cover over 1300 medical conditions.
However, if you’re travelling in your eighties, you may have concerns or questions about your travel insurance. We’ve done our best to answer these for you below.
Travel insurance for over 80s with medical conditions
At InsureandGo, we’re proud to offer travel insurance for medical conditions. We never automatically exclude a condition without talking to you about it first.
We’ll do our best to provide cover for any and all medical conditions you have, and in many cases we can cover them at no additional cost. Some conditions may require an additional premium, especially if they often lead to claims.
You can find more information about medical conditions and your travel insurance in our policy wording booklets.
If you’d rather talk to someone with your questions, then please get in touch with us.
How do I get cheap travel insurance if I’m over 80?
Unfortunately, insurance costs rise as you get older, as statistically there is an increased risk with mature travellers. There may also be pre-existing medical conditions that need to be covered, and this can increase the cost.
Cruise travel insurance for over 80s
Do you have a cruise planned? No problem, just add our cruise travel insurance when buying your holiday cover.
We still consider your pre-existing medical conditions on our cruise policies, and our cruise cover has no upper age limit.
Cruise cover includes a number of cruise-specific eventualities, for example cabin confinement, interruption, itinerary changes and more.
Do you limit how long I can go on holiday if I’m over 80?
No, we don’t – 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.
What activities are included in your over 80s travel insurance?
No matter your age, we want you to be free to enjoy sports and activities when you’re away. Cover for many activities, such as cycling travel insurance and hiking travel insurance, is included as standard. In fact, we automatically cover over 100 sports and activities, regardless of how old you are.
If you need extreme sports travel insurance, you can add extra cover to include this.
Travel tips for over 80s
There’s nothing to stop you from seeing the world. But there are some things to bear in mind when travelling.
- Embrace the freedom of being a mature traveller. Being older means you don’t have to take your holidays during term times. Make the most of this and book your trips off season. You’ll be able to avoid large crowds, and often save money too.
- Plan ahead and speak with your GP. You should always see your doctor before you travel, to make sure they are happy for you to travel. Always bring more medication than you think you’ll need, in case of any delays. You should also plan ahead and make sure you have considered things like wheelchair access, if they apply.
- Stay mobile when travelling. Older travellers are more likely to be affected by DVT (deep vein thrombosis), so it’s vital to keep your legs moving during the flight. Ideally you should try and take a walk while flying, every hour or so. If you cannot do this, there are plenty of stretches and exercises you can do on your flight.
Frequently asked questions
Do I need a GHIC card as well as travel insurance?
All British citizens are entitled to a free European Health Insurance Card (EHIC) or Global Health Insurance Card (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 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.
How far in advance should I get travel insurance?
Ideally you should buy your travel insurance as soon as you book your holiday. This way you will be covered if you have to cancel your trip due to unexpected events.
You must ensure you arrange your cover before leaving the country, as we cannot provide a policy if you are outside of the UK.
What is the maximum age you can insure up to?
InsureandGo policies have no upper age limit. Please be aware that our extra winter sports cover is only available up to age 65.
Does travel insurance go up after 80?
While there is no upper age limit, several factors, including your age, do affect the cost of the policy. This is due to the fact that holidaymakers over 80 are more likely to need to make a costly claim.
Will my policy be more expensive if I’m over 80?
Yes, due to the increased chance of an expensive claim being made. This is normal with all travel insurance providers, and not unique to InsureandGo
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 to the USA costs more because medical treatment in America is a lot more expensive than the same treatment in Europe.