Holiday insurance for over 80s
Up to £20 million medical cover
For emergency illness and injury
Protect your belongings
Up to £3,000 if your things are lost, stolen or damaged
5 Star rated cover
Our Platinum cover has Defaqto's highest rating
What is over 80s travel insurance?
There’s no getting around it – as we get older, we might face some health struggles. But why should that get in the way of your travel plans?
Our travel insurance lets you enjoy your trip without worrying about what to do if things go wrong. Whether that’s medical expenses or losing your bag, we’re here to cover you against the unexpected.
Plus, with our over 80s travel insurance, you can make sure your cover is right for you.
What does over 80s travel insurance cover?
Taking advantage of your retirement? Making memories with the grandkids? Whatever you’re up to on holiday, our travel insurance gives you a safety net.
Here are a few things our travel insurance covers.
Remember there are some policy limits and exclusions to be aware of, so always check your policy book.
Emergency medical expenses |
If you get sick or hurt while abroad, we’ll cover necessary emergency medical costs. |
|---|---|
Delayed or missed departure |
We'll cover necessary travel and accommodation expenses if, for certain reasons:
|
Personal accident cover |
If you have a really serious accident abroad, we're here for you. If you lose your sight, a limb or become permanently disabled, we could pay you up to £25,000. This depends on your level of cover. |
Lost or stolen belongings |
You can claim up to your policy limits if:
|
Legal assistance |
We'll support you with legal costs to claim for an injury that could have been prevented. For example, if you slip in the hotel because the floor was wet and there was no sign. |
What isn’t covered by travel insurance?
Here are some things that your travel insurance doesn’t cover:
- If your flight’s cancelled or delayed because of something other than bad weather, strikes or a mechanical breakdown. But our Enhanced Trip Disruption cover covers you for more delay and cancellation reasons.
- Claims for missed, delayed or cancelled flights that don't start or end in the UK (connecting flights), unless you’ve bought Enhanced Trip Disruption cover.
- If you cancel your trip because you’ve changed your mind.
- Any pre-existing conditions you've not declared.
- Claims for someone who wasn’t on your policy, if their illness or death was caused by a condition they had before you bought it or before you booked your trip, whichever is later.
- Lost or stolen items that you left unattended.
- Claims where you can't give us evidence. For example, a police report or receipts.
- Being denied entry because you don't have the right visa or passport.
- Extreme sports, winter sports or cruise trips unless you've paid for the extra cover.
This isn't the full list and doesn't include exclusions for our specialist travel insurance. For example, winter sports or cruise cover.
For the full list of what isn't covered, check your policy book.
Choose from three levels of cover
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20,000 | £20,000 | £30,000 |
| Personal accident | £10,000 | £15,000 | £25,000 |
| Cancellation or cutting your trip short | £1,500 | £3,000 | £5,000 |
| Personal belongings | £1,000 | £2,000 | £3,000 |
| Catastrophe cover | £1,000 | £1,500 | |
| Money and documents | £300 | £400 | £500 |
| Excess | £100 | £75 | £50 |
What’s excess?
Excess is the amount of money you pay to your insurer if you need to make a claim on your travel insurance.
This applies to everyone who's insured on the policy and for any type of claim you make.
You can choose to add Excess Waiver cover to your policy. This means you won’t have to pay any money if you make a claim. You pay a bit more when you buy your policy, but you pay nothing if you need to claim later. Find out more about Excess Waiver cover.
Optional add-ons
Heading off on a luxury cruise? Or maybe you’re taking a top-notch camera to capture your holiday memories? Add extra cover to your travel policy. Limits and exclusions apply.
Cruise trips
If you’re going on a cruise, you’ll need to add cruise cover to your policy to cover your trip. This covers you for medical emergencies and your personal belongings, as well as:
- missing your cruise departure
- having to stay in your cabin because you're ill
- not being able to use your planned activities or guided tours
Gadget cover
Taking any expensive tech away with you, like a camera or laptop? Our gadget cover has your back if they’re lost, stolen or damaged.
Enhanced Trip Disruption cover
Our Enhanced Trip Disruption cover gives you a safety net when things don’t go to plan. It means you're covered for those out-of-pocket expenses if you're delayed for more than six hours because of:
- mid-air emergencies
- certain airport problems (like airspace closures and air traffic control restrictions)
- transport issues
Over 80s travel insurance and pre-existing conditions
Pre-existing conditions
A pre-existing condition is an illness, injury or health problem you had at any time before you had travel insurance. You might have had a one-off or repeat prescription for it, even if you're better now.
We define a pre-existing condition as an illness, injury or medical condition that:
- has been identified by a medical professional
- is under investigation by a medical professional
- existed at any time before you bought your policy or booked your trip - whichever came later
A pre-existing condition includes things like:
- diabetes
- cancer
- high cholesterol
- heart disease
- high blood pressure
You need to let us know about any pre-existing conditions before you buy your policy. Or we might not be able to cover you.
MoneyHelper directory
If we can't cover your medical condition, you can use the MoneyHelper directory to find a specialist insurer who might be able to cover you if you've been:
- refused travel insurance or had your policy cancelled
- offered cover with a medical exclusion that you can't remove from your policy
- quoted a price for a travel insurance policy with high medical costs
MoneyHelper makes it easier to find and compare policies you can afford that cover your condition and medical needs. Access the MoneyHelper directory online or call MoneyHelper on 0800 138 7777 (phone lines are open Monday to Friday 8:00am - 6:00pm, excluding bank holidays).
Visit the MoneyHelper DirectoryTravel insurance for over 80s
Planning one big trip for the family or lots of mini city breaks throughout the year? Choose which option best suits you and your travel plans.
Single trip travel insurance for over 80s
This covers you for one trip that lasts up to 365 days.
It's for travellers aged between 18 and 120, depending on where you're heading!
Annual travel insurance for over 80s
Annual multi-trip insurance covers you for 12 months. It includes an unlimited number of trips that last up to 31 days each.
It's for travellers aged between 18 and 120, depending on where you're planning on going.
Need cover for longer? You might be able to increase your trip length to up to 60 days for each trip. But this depends on your age and where you're planning to travel to.
Travel tips for over 80s
Looking for more? Don’t worry, we’ve got a lot of articles on everything from travelling with a medical condition to lost baggage.
Over 80s holiday insurance FAQs
Get to grips with all you need to know about your travel insurance for over 80s.
Is travel insurance for over 80s worth it?
No matter what age you are, it’s worth getting travel insurance.
As we get older, we’re more likely to get ill or injured. Travel insurance covers you in case you do need medical attention while you’re abroad.
It’s especially useful if you already have a health condition.
Is there an upper age limit for travel insurance?
Age limits only apply to trips outside of Europe. The level of cover depends on your personal details, where you're travelling and what activities you plan to do.
Do I need travel insurance if I have a Global Health Insurance Card (GHIC)?
A GHIC or the old European Health Insurance Card (EHIC) can help you get cheaper medical treatment while you’re abroad in some European countries.
But it doesn’t replace travel insurance, and it won’t cover you fully for all medical treatment.
It also won’t cover you for things like:
- being brought back to the UK if a doctor recommends it
- delays or cancellations
- lost luggage
That’s why it’s still worth having travel insurance!
Read our handy guide on the EHIC/GHIC.
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