We’re dedicated to helping you keep your travel experiences worry-free, especially as you embrace travelling in your golden years. With our specialised travel insurance cover for those over 85, you can unwind on your trips, without a doubt. Embrace the freedom of stress-free travel with InsureandGo.
What is over 85s travel insurance and how does it work?
Over 85s travel insurance protects you and your holiday, including cover for your pre-existing conditions. InsureandGo policies have no upper age limits. Enjoy travel, whatever your age, or medical history.
It’s important to get the right type of travel insurance before your holiday, so we offer a wide range of different levels of cover. Considering travelling without cover? Doing so could mean you’ll have to pay thousands of pounds if something goes wrong on, or before, your holiday. For example:
- According to Age UK around 86% of people over 85 in England have at least 1 long-term health condition.
- Even relatively minor treatment can cost tens of thousands of pounds abroad, with a superficial head injury in Turkey costing over £42,000 to treat4.
Travel insurance for people over 85 can protect you against the costs of medical emergencies, including those related to any declared medical conditions.
If you’re planning to take a cruise, make sure you add our cruise travel insurance to your policy.
What does InsureandGo’s over 85s travel insurance cover?
What’s covered?
Whether you choose to have multi-trip cover or single trip travel insurance, our over 85s holiday insurance offers an array of benefits:
- Medical expenses: Cover for emergency medical treatment you may need while travelling, including medical care related to any pre-existing conditions you’ve declared. You’ll also be covered for any prescribed medication you take.
- Repatriation: We will help you return home in the event of a medical emergency, so you can focus on recovering without any extra stress.
- Lost Luggage: Our policies cover you if your baggage is lost, stolen or damaged, letting you replace your items and get on with your trip.
- Cancellation cover: Protects you if you have to cancel your holiday due to an unforeseen emergency or reasons beyond your control.
- Travel disruption: Get cover for alternative transport or accommodation costs if your travel plans are disrupted.
What’s not covered?
We strive to provide the best cover possible, however, there are some situations no travel insurance will cover. For example:
- Undeclared medical conditions: If we don’t have your full medical history we may not be able to assist during a medical emergency. Make sure you complete the medical screening process correctly when buying cover.
- Travelling to places against FCDO advice: While we offer worldwide travel insurance, we can’t provide cover if you go somewhere that the FCDO says is too dangerous or risky.
- Choosing not to travel: Sometimes things don’t go to plan, but cancellation cover only applies if you have a valid reason not to travel, such as illness, injury or bereavement. See your policy documents for full details of cover.
We also offer extra cover for activities like extreme sports, hiking, cruises and golf, available on most policy types.
We will consider all pre-existing medical conditions, find out more about our medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.
The best travel insurance for over 85s
With InsureandGo, you can focus on doing what you love when you’re on holiday. We offer a range of cover, perfect for all sorts of trips:
- Going on a cruise? Get covered with our cruise travel insurance.
- Travelling more than once this year? It could be better for you to get an annual policy if you’re heading overseas multiple times.
- Touring multiple countries? Depending on where you’re going, you might need worldwide cover or holiday insurance for Europe.
- Heading off to enjoy a hobby? You can get travel insurance specifically for golf holidays or hiking trips, or you could even get travel insurance for extreme sports.
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 |
What optional extras can I include?
Want travel insurance that’s just right for your holiday? With an InsureandGo travel insurance policy you can tailor your cover to include extra protection for your getaway. These options provide cover for a range of different scenarios, including:
- Golf cover: protect your equipment and cover golfing fees
- Gadget cover: increased cover for your devices like smartphones and laptops
- Cruise travel insurance: Cruise cover includes specific protection for events which can occur on a cruise trip such as cabin confinement and missed port departure.
Travel insurance for over 85s with pre-existing medical conditions
Making sure you have cover for your pre-existing medical conditions is one of the most important parts of getting travel insurance, especially as a senior traveller. We can cover you for your health conditions, including long-term illnesses such as diabetes or heart disease, as well as recent short-term sickness or surgeries.
At InsureandGo we can include medical cover for any condition, including:
If you don’t declare a medical condition, it could lead to your claim being rejected, especially in the case you need emergency medical treatment related to your condition. Make sure you declare your conditions rather than risk not being covered when you need it most.
“Travel insurance lets people over 85 enjoy their holidays, on creating cherished memories without worrying what to do if something goes wrong. Even if you never make a claim, the value of travel insurance is that you can enjoy your holiday worry-free.”
Letitia Smith – Travel insurance expert
Which destinations are covered by our over 85s travel insurance?
Your trips can take you all over the world, so make sure you have a travel insurance policy that can keep up. InsureandGo’s over 85s travel insurance can cover you in a wide range of destinations, across the globe.
From popular places like Spain, Turkey, Greece and Italy, to places more off the beaten path, like Columbia or Japan.
- 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 already have an annual multi-trip travel insurance policy and want to travel somewhere outside of your chosen region, we can upgrade your travel insurance to include the new destination.
You could buy a separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
Please get in touch if you’d like to discuss these options, or you’re still unsure which area your trip falls into.
How to book our travel insurance for over 85s
Getting your over 85s travel insurance with InsureandGo is as easy as 1,2,3.
1 .Tell us about your trip
We need to know about your holiday, who you want to cover and when you want the policy to start. We’ll also ask you about any pre-existing medical conditions so that we can make sure you’re getting 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
Once we have all the information we need, we’ll send you a quote. You can either go ahead and buy your policy then, or save the quote for the future.
3. Relax, knowing your holiday is protected
Start planning your trip and looking forward to your next adventure.
Our reviews speak for themselves
We’re rated ‘Excellent’ on Trustpilot with over 60,000 reviews.
“It’s easy to fill-in the forms online, for a very competitive quote and comprehensive cover. Many insurance companies will not cover travel insurance for anyone over 85 but InsureandGo provided an excellent quote. Easy to retrieve your quote if you want to take some time to think or shop around and completion and payment were simple.”
Lynda
Date of experience: 17 January 2023
Frequently asked questions
Can an over 85 year old get travel insurance?
Yes, of course. Some travel insurance providers may have upper age limits which prevent senior travellers getting cover. However, specialist travel insurance from InsureandGo has no age limits, so you can get cover today.
What’s the upper age limit for travel insurance?
InsureandGo travel insurance doesn’t have an upper age limit when it comes to buying a policy.
Is travel insurance expensive for seniors over 85s?
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 travellers over 85 are more likely to need to make a costly claim.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our over 85s travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
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