Travel insurance for over 80s
Don't let insurance hold you back from taking your dream holiday. Check out our list of affordable travel insurance policies designed for anyone over the age of 80.
Once you reach 80 it might suddenly seem as though there are fewer travel insurance policies out there – and unfortunately, those policies that do cater for you will definitely be more expensive.
Yet there are still plenty of affordable options around. Different providers offer different options depending on your age, pre-existing medical conditions and other factors.
So by comparing them you can make sure you find the right policy for your trip, while ensuring you don’t spend more than you need to.
Compare cheap travel insurance for over 80s
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
What types of travel insurance can over 80s get?
- Single trip: Designed for one-off trips, if you know you’re only taking one holiday this year this option will be cheaper. You’ll have to provide your destination(s), as well as the start date and end date of your trip.
- Annual cover: Also known as multi-trip cover, you inform the insurance company of the different regions you’ll be travelling in.
- Group cover: Some over 80s insurance providers offer group policies, which might also come with a special discount if your group is large enough.
- Winter or water sports: This is for the thrill seekers. Some policies will let you add extra cover for more extreme activities to your premium.
What does travel insurance for the over 80s cover?
Above all else, health is the priority when getting over 80s travel insurance.
So, at a very basic level, this means emergency medical fees, ambulance costs and hospital bills. Yet for over 80s, many of the policies will also have you covered for:
- More treatment cover: An over 80s policy might offer more financial cover for medical bills and expenses than a typical one.
- Emergency repatriation: Otherwise known as emergency evacuation, you want to know that should something bad happen, you’re covered for getting home as soon as possible. Some policies might even pay for a companion to come home with you.
- Replacing lost medicine: Many of these over 80s policies will offer greater cover for lost medication.
- Aids and equipment: For anyone who uses a hearing aid or wheelchair, medical equipment coverage means you can claim if something is lost, damaged or stolen.
- Other essentials: You should also expect to be covered for other basic needs – personal possessions, travel disruptions or cancellation and legal costs. However, you might need to get extra cover. If you’re going to take expensive belongings, like a laptop for instance, you don’t want an insurance which will only pay back £100 for each lost or damaged valuable.
Common exclusions for over 80s travel insurance
- Undeclared items: Declare any pricey items such as heirlooms or musical instruments as these might not be covered under a standard plan.
- Undeclared activities: If there’s a chance you might do winter or water sports, get covered first. If you don’t and you do end up in the waves or on the slopes, in all likelihood you won’t be covered should you hurt yourself or lose a valuable item.
- Alcohol: What’s a holiday without a few gin and tonics? Well, at the very least, bear in mind that some insurance policies won’t cover you if you’ve had one or two – or with some companies, your insurance is deemed void if you have anything to drink at all.
- Reckless behaviour: Act foolishly and get injured or damage a valuable item in the process, the insurance company might not pay out.
I have pre-existing medical conditions. What are my options?
If you have a pre-existing condition don’t fret – you can still get over 80s travel insurance.
Not all providers will offer it and it will cost more; however, it’s crucial you tell your insurer about your pre-existing medical condition.
Should anything happen, your insurance most likely wouldn’t cover any of your fees and costs.
So, if you have a pre-existing medical condition, be prepared to answer the following questions before getting a quote:
- Have you had a serious problem such as heart or respiratory problems, diabetes or cancer?
- Have you seen your doctor about it in the past year?
- Do you have an upcoming surgery for your condition?
- Are you awaiting results of a test?
How to compare travel insurance for the over 80s
Comparing travel insurance policies might well seem overwhelming. If so, here are a few basic steps to take to narrow down the choices.
- Get quotes from various insurers. It takes a second to get an online quote from an insurer. So just head to their websites and fill out your basic info – this is a quick and painless way to compare different travel insurance providers.
- Upper age limits. Insurers have upper age limits. Some set it at 80, others at 85, a few put the bar at 100 years old. Make sure you don’t waste time looking at a policy that rules you out based on your age.
- Minimum cover. Go over the policy document with a fine tooth comb and make sure you have the right level of cover for your travelling needs, whether it’s for medical fees, cancellation or personal liability. If you’re taking an iPad or a laptop, make sure you can claim more than £100 on each item.
- Customer support. A pretty quick and easy way to eliminate potential travel insurance providers from your list is to discount any that don’t offer 24/7 customer support. Should you get into a medical emergency outside of Europe, it’s important to know you’ll be taken care of.
How to save on travel insurance for over 80s
Unfortunately it’s an inescapable fact of life that travel insurance increases as soon as you’re over 65. Then it goes up even more once you’ve hit 80.
While we can stay young in spirit, we’re inevitably more prone to injury or illness on holiday when we’re older. This in turn means higher premiums.
However, that doesn’t mean travel insurance has to be astronomically expensive for anyone over 80. Here are some simple tips to keep those costs low – so you can spend the money on a luxury meal or a few drinks at the bar.
- Buy online. Airline and travel agents add commission fees, making them an expensive and slow way of getting a policy. Shopping online lets you quickly and directly get quotes from a number of providers.
- Pay for what you need. Try to avoid any extra costs. While it’s great to have a comprehensive insurance, if you know for a fact you won’t be hitting the surf or slopes then don’t pay extra for them.
- Adjust your excess. Many insurers give you the option to vary the excess payable if you end up making a claim. If you opt for a higher excess you pay less for the insurance itself. However, bear in mind that you’ll need to foot the excess bill should anything happen.
- Discounts. There are plenty of discounts and deals online. From online promo and coupon codes to multi-policy discounts, these could be a way to reduce the cost.
- Joint and group policies. Travelling with a partner, or a large group of friends and relatives? Spend less with joint or group policies. Some providers will provide special discounts for large groups.
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