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Over 80s Travel Insurance

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Many holiday insurance policies have upper age limits, which can sometimes make finding travel insurance a little trickier for pensioners – particularly those over the age of 80.

But age is no barrier to adventure, and it shouldn’t be a barrier to finding the right travel insurance for your globetrotting either. By using our travel insurance comparison service you’ll be able to compare tailored quotes from a wide range of providers, making it more likely that you’ll find the right policy at the right price.

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Is travel insurance for pensioners mandatory?

No, unlike car insurance, van insurance or motorbike insurance, which are all mandatory in the UK, travel insurance is entirely optional no matter how young or old you are.

However, there’s a reason roughly three quarters of British travellers do take out a travel insurance policy before they set off. It can prove invaluable if something goes wrong while you’re overseas, particularly since policies can cover travellers for a wide range of incidents, from stolen luggage to cancelled flights to the need for emergency medical treatment.

And the medical cover that most of the best travel insurance policies include can prove particularly important for older travellers, who may have a higher risk of taking ill or suffering a trip or a fall while they’re abroad.

Should older travellers take out travel insurance before booking a holiday?

If you’re planning to take out an annual travel insurance policy then you can certainly sign up for the policy before you book your holiday if you wish. If you’re planning to take out single-trip travel insurance, though, then you should wait until you’ve booked your holiday so that your cover matches your travel dates and destination.

However, it would be a wise decision to buy your over 80s travel insurance as soon as you book your holiday, because you’ll then benefit from the cancellation feature of your policy, meaning you’ll be covered if your holiday is cancelled because of circumstances outside your control – for instance if you become too ill to travel or if the holiday provider goes bust.

What does holiday insurance for over 80s include?

A good over 80s travel insurance policy should include:

• Medical expenses – to pay for any unexpected medical treatment you might need while you’re away.
• Repatriation – pays to bring you back home in a medical emergency.
• Cancellation or curtailment – compensates you if you have to cancel or cut short your holiday through no fault of your own.
• Lost or damaged luggage – pays to replace accidently lost, stolen or damaged luggage.
• Personal liability – covers legal fees and compensation if someone makes a claim against you for injury or damage to their property.

Some specialist over 80s travel insurance policies sometimes include one or more of the following features too:

• Cover for lost medication, up to an agreed limit.
• A 24-hour telephone helpline in case something goes wrong while you’re away.
• No admin fees if you need to amend your policy.

If you’re planning a cruise holiday you will probably want to add cruise insurance to your over 80s travel insurance policy. This usually isn’t included as standard, but can be added to your cover for an additional fee.

Can I buy travel insurance with a pre-existing medical condition?

One of the advantages of buying specialist over 80s holiday insurance is that some policies will cover you even if you have certain pre-existing medical conditions.

A pre-existing condition is anything you’re already receiving treatment for or taking medication for, such as diabetes or high blood pressure. Most insurers will have a list of the conditions they will accept and those that they exclude, so read the small print of your policy before you set off in order to ensure your condition is covered.

Do I need single trip or multi-trip travel insurance?

If you’re lucky enough to go on holiday several times a year then a multi-trip travel insurance policy is likely to be the most cost effective option. On the other hand, if you’re only going away once in any given year then a single trip policy will be the most suitable (and cheapest) option.

You’ll need to bear in mind that insurers set a limit on the number of days each holiday can last – this is usually 31 days. If you have an annual policy, you can still go away several times each year but each holiday can only last for 31 days (or whatever the limit is).

If you’re going to be away for longer, let your insurer know – in most cases, they’ll extend your policy to cover the length of your holiday.