Mild conditions
Well-controlled conditions with little impact on your health.
Examples: Hay fever, mild asthma, eczema.
Often covered for free by standard travel policies.
Over 80s travel insurance
Compare over 80s holiday insurance.
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Can over 80s get travel insurance?
Yes, many insurers offer travel insurance to older travellers. However, premiums will generally be more expensive and you will probably have fewer policy options than younger travellers.
The cover available, premiums and medical screening requirements will also vary depending on your exact age and health. Many standard travel insurance policies exclude claims related to pre-existing medical conditions unless you declare them and the insurer agrees to provide cover.
If you have a pre-existing medical condition, a specialist travel insurance policy may offer more suitable cover. These policies can include cover for emergency medical treatment related to your condition, subject to the insurer's terms and acceptance. Depending on the policy, they may also cover repatriation to the UK if it's medically necessary.
Do travel insurance policies have upper age limits?
Yes, some travel insurers will only provide cover to people under a certain age. These upper age limits commonly range from 65-75 years old.
However, there are also travel insurers who have no upper age limit at all, including ones who specifically cater to older travellers.
As an older traveller, you may find it more difficult to get cover for adventurous activities such as winter sports or scuba diving.
You will also be excluded from a lot of long-stay or backpacking travel insurance policies, which offer cover for trips lasting 1-2 years and tend to have upper age limits of 35-65.
Can I get travel insurance for a pre-existing medical condition?
You can usually still get travel insurance with a pre-existing medical condition, but you may have more limited options or have to pay more for the cover. Your options will generally depend on how severe your condition is:
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Moderate conditions
Conditions that are stable but need regular medication, treatment or monitoring.
Examples: Diabetes, epilepsy, arthritis, depression and anxiety, high blood pressure.
Travel insurance usually covers these but your premium may increase.
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Serious conditions
Conditions that are severe, unstable, recently diagnosed or awaiting test results.
Examples: Cancer, heart disease, recent stroke, recent major surgery, severe disability.
You may need to take out specialist travel insurance. You could also be asked to undergo medical screening before you can be covered.
What types of travel insurance can over 80s get?
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Single trip
Covers a single holiday in the UK or abroad, and your cover ends when you return home.
📍Average price: £152.71
^ for an 80 year-old with no pre-existing conditions. -
Annual multi-trip
Covers multiple trips in the UK and abroad over a 12-month period. Trip length limits are likely to apply. Often better value if you travel frequently.
📍Average price: £246.86
^ for an 80 year-old with no pre-existing conditions.
What's covered by an over 80s travel insurance policy?
Over 80s travel insurance cover varies between insurers, so it's important to check your policy carefully. In general, travel insurance for over 80s usually includes the same types of cover as a standard travel insurance policy, although the level of cover, limits and exclusions may differ.
The following information provides a general overview of common over 80s travel insurance inclusions and exclusions. Always read your policy documents thoroughly and check the policy wording to understand what is and isn't covered before your trip.
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What’s covered:
Medical expenses: Covers emergency medical treatment while you're abroad. Some policies for older travellers may offer higher medical cover limits, but this varies between insurers.
Repatriation: Covers the cost of returning you to the UK if it's medically necessary following an illness or injury abroad.
Cancellation cover: Covers your prepaid, non-refundable travel costs if you have to cancel your trip for a reason covered by your policy, such as serious illness or bereavement.
Baggage & belongings: Covers the loss, theft or damage of your luggage and personal belongings, up to your policy limits.
Lost or stolen passports: Covers the cost of replacing your passport or obtaining emergency travel documents while you're abroad.
Travel disruption: Help with additional travel or accommodation costs if your trip is disrupted by an event covered by your policy.
Personal liability: Covers legal costs and compensation if you're found legally liable for accidentally injuring someone or damaging their property while abroad.
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What’s not covered:
Alcohol or drug-related incidents: Claims arising from alcohol or drug use are usually excluded.
High-risk activities: Some adventure sports and hazardous activities may not be covered, even if you've added optional sports cover. Always check what's included before you travel.
Bad weather: You may be covered if severe weather causes your trip to be cancelled or significantly disrupted. Minor delays or inconvenience caused by bad weather are unlikely to be covered.
Travelling against government advice: Most insurers won't provide cover if you travel to a destination against the advice of the UK's Foreign, Commonwealth & Development Office (FCDO).
Changing your mind: You won't be able to claim if you cancel or change your trip for reasons that aren't covered by your policy.
Airline strikes: If your flight is cancelled or delayed because of an airline strike, your airline may be responsible for offering a refund or alternative travel. Travel insurance may only provide cover in certain circumstances.
Missed flights: Some policies may cover missed departures caused by unexpected events, such as an accident or public transport delays, if the policy conditions are met. But missing a flight because you didn't leave enough time to get to the airport is unlikely to be covered.
What additional policy options can I get?
Many providers offer a range of additional cover options to add to your policy. Here are some you may be interested in:
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Cruise cover
If you're taking a cruise, consider specialist travel insurance for cruise holidays. This type of policy covers risks specific to cruises, such as cabin confinement, missed ports, unused excursions and emergency medical evacuation.
Some cruise operators require passengers to have cruise travel insurance in place before boarding.
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Golf cover
If you're planning a golf holiday, golf insurance can cover your golf equipment against loss, theft or damage.
It may also cover the cost of hiring replacement equipment if yours is stolen, and reimburse pre-paid green fees if you're unable to play for a reason covered by your policy, such as bad weather or illness.
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Gadget cover
If you're travelling with valuable devices such as a phone, tablet, laptop or camera, gadget cover can provide extra protection against loss, theft or accidental damage. It may also offer higher claim limits for electronic devices than standard travel insurance.
How much is over 80s travel insurance?
MoneySuperMarket customers age 80-84 currently pay £59.75
However, the cost of a policy can vary significantly depending on a range of factors. These include your destination, the level of cover you require, and whether you have any pre-existing health conditions.
Travel insurance prices generally increase with age, as insurers deem older travellers at higher risk of making a medical claim.
Average cost of travel insurance:
£59
.75^
For travellers age 80-84.
What impacts the cost of over 80s travel insurance?
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Medical history
If you have a pre-existing medical condition, you may pay more for travel insurance. This is because insurers assess the likelihood of you needing medical treatment while you're away. The type, severity and stability of your condition can all affect the premium you're quoted.
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Excess
The travel insurance excess is the amount you'll pay towards the cost of a claim. Choosing a higher excess can reduce your premium, while some insurers let you pay extra to reduce or remove your excess altogether.
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Travel destination
Insurers charge different premiums depending on your destination. This may be because healthcare costs are higher in some countries or because the insurer considers the destination to present a higher level of travel risk.
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Trip length
The length of your trip can affect the cost of your travel insurance. Longer trips usually cost more to insure because there's a greater chance you'll need to make a claim. If you travel several times a year, an annual multi-trip policy may work out cheaper than buying separate single-trip policies for each holiday.
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Additional cover
You may need to add optional extras to your travel insurance, depending on the type of trip you're taking. For example, you might need cover for winter sports, golf or a cruise. These add-ons will increase the cost of your policy but will provide protection for activities or situations that aren't included as standard.
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Your valuables
Most travel insurance policies have limits on how much you can claim for individual items. If you're taking valuable belongings, such as expensive jewellery, laptops or cameras, you may need additional cover or higher limits. This can increase the cost of your policy.
How can I get cheaper over 80s travel insurance?
You may be able to reduce the price by:
Choosing a higher excess (although make sure it's an amount you could afford to pay if you need to claim)
Choosing an annual multi-trip policy if you travel more than once or twice a year
Looking at cover that comes as a perk of a packaged bank account (but check the upper age limit and the policy terms)
Comparing quotes from different providers is one of the best ways to find the right cover at a competitive price
Our expert says…
As you get older, travel insurance can become more difficult to find, particularly if you have pre-existing medical conditions. Comparing policies can help you find cover that's right for your trip and your health needs. MoneySuperMarket compares quotes from a wide range of insurers, making it easier to find suitable cover at a competitive price.
Ryan Nizzar Travel, Business & Landlord Insurance Expert
What countries can I visit with over 80s insurance?
Over 80s travel insurance covers the same destinations as standard travel insurance, but the countries included will depend on the policy you choose. Most insurers offer three main levels of cover:
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Europe only
Covers trips to EU countries and some other European destinations, such as Iceland, Switzerland, Turkey and Norway.
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Worldwide
Covers travel across the globe, including destinations such as the USA, Canada and the Caribbean. Some countries may be excluded depending on the insurer's terms and current FCDO travel advice.
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Worldwide excluding USA, Canada and the Caribbean
Covers most worldwide destinations but excludes these regions, where healthcare costs can be higher. Policies with these exclusions are often cheaper.
What travel insurance do I need for my destination?
Compare holiday insurance quotes from 55^ trusted UK providers
Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
How do I get an over 80s travel insurance quote?
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Tell us about yourself
Give a few details about you, your travel plans, and your preferred level of cover.
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Over 80s travel insurance guides and expert tips
Do I need travel insurance for a holiday in the UK?
While the NHS means UK residents don't need medical cover for a UK holiday, travel insurance can still be worth having for staycations to protect the money you've spent on your trip.
UK travel insurance can cover unexpected costs such as cancelling your holiday, losing your luggage or personal belongings, or having your trip disrupted. So if you're planning an expensive staycation or have paid for non-refundable accommodation, travel insurance can help you recover your costs if something unexpected forces you to cancel or cut your trip short.
Many annual multi-trip travel insurance policies will automatically cover you for trips within the UK as well as trips abroad.
Does travel insurance cover medical equipment?
Yes, many travel insurance policies cover medical equipment, but the level of cover varies between insurers.
If you rely on items such as wheelchairs, mobility scooters, CPAP machines, hearing aids or other essential medical devices, check your policy to see whether they're covered for loss, theft or accidental damage, and whether there are limits on how much you can claim.
If your equipment is particularly valuable or specialist, you may need to increase your baggage cover or buy additional protection. It's also worth checking whether your airline has specific rules for carrying medical equipment and whether you need to notify them before you travel.
If your equipment is linked to a pre-existing medical condition, make sure you declare the condition when buying travel insurance. Otherwise, claims relating to that condition could be rejected.
Do I still need travel insurance if I have a GHIC?
A Global Health Insurance Card (GHIC) is free and can give you access to state-funded healthcare at a reduced cost in certain countries, including EU countries and some other destinations such as Switzerland. However, it is not a replacement for travel insurance.
A GHIC only covers certain medical treatment and won't cover private healthcare, repatriation back to the UK, or other travel-related costs such as cancellation, lost luggage or travel disruption. It may also not provide cover for treatment needed on a cruise ship.
Travel insurance provides broader protection, covering a range of situations beyond emergency healthcare. So, even if you have a GHIC, it's still important to take out travel insurance before you travel.
What is the maximum age for travel insurance?
There is no default maximum age limit for travel insurance, although individual insurers may set their own age restrictions.
Some standard travel insurance policies are available to travellers over 80, but specialist travel insurance for older travellers may offer more suitable cover. As you get older, premiums can increase, and having a pre-existing medical condition may affect the price and availability of cover.
Specialist over 80s policies are designed with older travellers in mind and may offer features such as cover for certain pre-existing medical conditions, subject to the insurer's assessment and policy terms. This can make them a more suitable option for some travellers.
What is the best travel insurance for over 80s?
Travel insurance isn't a 'one-size-fits-all' product. The best kind of travel insurance for you is a policy that covers what you need without being overly expensive.
Some tips to help you find the best travel insurance for your particular trip is:
Research the cost of medical treatment at your chosen holiday destination to find the right level of medical cover
Consider what your greatest risks are when travelling. For example, if you have to bring important medical equipment with you, make sure your travel insurance will cover it
If you plan on taking part in any activities on your holiday, check that your insurance will cover it or you may need to add optional cover
Check the single item limit for baggage cover. This is the maximum that your insurer will pay per item. You may find that some of your valuables exceed this amount. It's up to you to decide whether adding extra cover for these valuables is worth the cost.
When should I buy over 80s travel insurance?
It's best to buy travel insurance as soon as you book your holiday, rather than waiting until just before you travel. This gives you cancellation cover from the start of your policy, protecting you if you have to cancel your trip for a reason covered by your insurance, such as illness or another unexpected event.
Buying your policy early means you're protected before you leave as well as during your trip. Check your policy carefully to understand which cancellation reasons are covered and any exclusions that apply.
What minimum travel insurance cover limits should over 80s look for?
The right level of travel insurance cover depends on your destination, your health and the value of your holiday. If you have a pre-existing medical condition, make sure you declare it and choose a policy that includes cover for your condition.
Pay particular attention to the medical expenses limit, especially if you're travelling to countries where healthcare is expensive, such as the US. You should also check that the policy provides enough cover for cancellation, baggage, personal belongings and personal liability to reflect the cost and value of your trip.
Before buying, read the policy wording carefully so you understand any exclusions, claim limits and conditions that apply.
Is travel insurance for over 80s more expensive than for younger travellers?
Travel insurance for over 80s is often more expensive than policies for younger travellers. This is because insurers deem older travellers more likely to need medical treatment while abroad.
Your premium will also depend on other factors, including your destination, trip length, level of cover, activities planned and whether you have any pre-existing medical conditions. Comparing quotes from different providers can help you find a policy that offers the right cover at a competitive price.
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Is travel insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.
This includes:
Up to £5
^ , which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.ukFree Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is travel insurance eligible for Price Promise?
Yes, travel insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £5
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 11 Aug 2026 by
SuperSaveClub restrictions and T&Cs apply. Click here for details.
SuperSaveClub restrictions and T&Cs apply. Click herefor details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on Travel Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for single trip covertype.
Based on Travel Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for annual multi-trip covertype.
Data based on the median price of travel insurance sold through MoneySuperMarket for age 80-84 in August 2026.
The number of providers for travel insurance in August 2025
