Hey, Quidco Member

Compare over 80s travel insurance

Compare cheap quotes for over 80s travel insurance and get up to *£33 cashback.

over 80s travel insurance
over 80s travel insurance

Compare up to 30 providers to get a cheap over-80s travel insurance quote

Get quotes

Spend some time entering your details and your travel plans. You’ll get access to a variety of quotes so that you can find the right one to suit your personal needs.  


Compare the UK’s most reputable policies and prices to find the right over-80s insurance plan for you.

Get paid

Choose the best travel insurance for you. Sit tight. Wait for your cashback. Please note that it can take up to 8 weeks from the end of your policy for your cashback to be paid.

Why compare over 80s travel insurance here?

When you go abroad later in life, the costs of travel insurance can increase to cover things like medical needs and other requirements common for over 80s travellers. There are numerous ways you can reduce the price you pay for travel insurance, but know that it’s very important that you take out a policy that provides as much cover as possible.

From medical equipment to protection against lost or stolen items, comparing quotes gives you the best chance of finding a good policy. With Quidco, get access to the most trusted insurers and will give you up to *£33 in cashback.

What is over 80s travel insurance?

Just because you’ve reached a certain age doesn’t mean trips abroad are out of the question. Over 80s travel insurance is simply a type of travel insurance that provides specific coverage for travellers over 80 years of age. 

While over 80s travel insurance offers many of the same basic benefits as general insurance, it also provides cover for specific things of relevance to those over the age of 80. Taking out travel insurance for over 80-year olds is vital to ensure full coverage. 

Like all travel insurance policies, most over 80s plans are available for both single-trip travellers and multi-trip travellers (those who travel abroad numerous times a year).

What are the key differences for this age group?

The most significant difference between over 80s holiday insurance and general holiday insurance is increased cover for health and medical care. As the risk of needing medical treatment increases as you get older, all over 80s insurance policies are built to provide cover for these areas.

For example:

  • Assistance. If you need to use a wheelchair or you require other assistance before, during or after your flight, an over 80s travel insurance policy should cover you. As always, double check with your insurer before committing. 
  • Medication. If you lose your medication while on holiday or during travel, many over-80s policies will cover the cost of replacement medication.
  • Treatment. An over 80s travel insurance plan will likely provide more financial cover for any medical treatments or expenses than a general travel insurance plan.
  • Pending treatment. If pending medical treatment or an important consultation you’re waiting for becomes available while you’re away, your trip will likely come to a premature end as you return home. Most over-80s plans will cover you against related costs.

What does over 80s travel insurance cover?

As we’ve said, over 80s insurance focuses primarily on increased coverage for health and medical care. You will be covered for most of the basic areas that you get from general insurance, as well as those specific to the over 80s group.

Emergency medical expenses

While cover for emergency medical costs is something that people of all ages can be covered for, cover for emergency medical costs is of utmost importance if you’re having difficulties with your health. All over-80s plans will cover you. 

Repatriation costs

If you have to return home due to your health, an over-80s plan should reimburse you if approved by your insurance provider.

Cancellation or curtailment of your trip

An over-80s policy will cover you if you need to cancel or cut your trip short due to an illness or death of a close relative. You should double check this with your insurer first, as some policies vary. 

Loss or damage to luggage and belongings

If your luggage, medication, money, wheelchair or any other medical equipment is lost or stolen during your trip, then an over-80s travel insurance plan should cover you. 

Delays or disruptions to travel

If your trip is delayed or disrupted for reasons approved by your insurer, you will receive cover for costs related to this. Check what your policy details to see the reasons you’re covered for. 

24-hour medical helplines

Many insurance companies provide 24-hour medical assistance helplines where you can receive support and advice during your trip. 

With all of the above, you should check with your insurance provider and your policy details because many policies vary with different levels of coverage. Make sure you get the cover you need and that you do not overpay for coverage you perhaps do not need.

What is not covered by over 80s travel insurance?

As will all insurance policies, there are certain exclusions that apply for most over 80s travel insurance plans. Again, read your policy carefully to make sure the exclusions won’t leave you vulnerable or open to expensive costs. 

Undisclosed pre-existing medical conditions

If you have a pre-existing medical condition that you do not tell your insurer about while filling out your application, your policy will likely be invalidated if you make a related claim. 

High-risk ‘extreme’ sports or activities

Since ‘high-risk’ and extreme activities often have insurance policies of their own, an over 80s plan will not cover you for costs relating to illness or injury caused by them. If you do not tell your insurer that you plan to participate in winter sports or extreme sporting activities, and you make a claim relating to them, your policy will likely be invalidated.

Irresponsible/reckless behaviour

If a claim you have made is the result of irresponsible or reckless behaviour on your part, most insurance providers will not cover you. 

Influence of drugs or alcohol

While many insurers allow a certain number of drinks before invalidating your policy or rejecting a claim, there are just as many insurers who will not provide any cover at all. If you make a claim and it’s found you were under the influence of drugs or alcohol, there’s a very high chance your claim will be rejected. As always, check your policy details for confirmation. 

Unattended belongings

An example: if you make a claim for a stolen bicycle, many insurance companies will query how well your bicycle was secured. If your belongings have been stolen or lost, your insurer may reject your claim if you left the belongings unattended or unprotected. 

Undeclared belongings

If you are taking any valuable and non-medical items with you on your trip, they might not be covered.

Benefits and disadvantages of over 80s travel insurance

The benefits of taking out travel insurance for over 80s are as follows:

  • Worldwide coverage - There are over 80s policies on offer wherever in the world you want to visit. Not only will over 80s plans cover you for UK travel, but you’ll also be covered across Europe, Africa, and across the world. Prices will vary according to destination, medical costs, and other variables. 
  • Medical emergency coverage - If you’re in bad health, having coverage for medical emergencies is of huge importance. 
  • Additional insurance for other people - Most insurers that offer over 80s insurance also offer insurance for additional travellers. If, for example, you intend to travel with a close friend or family member, they can be insured too. 

Here are some of the disadvantages of over 80s insurance:

  • You will likely pay more than people of a younger age - Most insurers have upper age limits when it comes to the more standard travel insurance plans, and so offer specialised over 80s plans separately. Given the increased risk that comes with age, over 80s insurance is generally a bit more expensive. 
  • You might not end up using your travel insurance - As you get older, the risks of illness and injury increase but if you’re relatively healthy at 80+ then you may not have to use your insurance. Even if you don’t have to claim, it’s peace of mind nonetheless.
  • Overseas medical costs are expensive - This is really in support of taking over 80s insurance out because overseas medical fees are often very pricy.

How can I save money on my over 80s travel insurance?

Compare at Quidco

Get access to the UK’s most reputable insurance providers to ensure that you choose from high-quality, top-level policies so you can make real savings. With Quidco, you’re also able to top up your savings with up to *£33 cashback. 

Add a travel companion and insure them

Many insurance companies offer ‘additional persons’ insurance. Whether you’re taking a friend, family member, or companion, you can save money by insuring them on your policy. See family travel insurance or group travel insurance for more options.

Check the trip duration on your policy

To ensure you don’t overpay for too long a period of time, check how long you’re covered for on your policy details. If you’re looking to travel for just a week or two, you won’t get much return from paying for a 31 day policy. 

Take out travel insurance as soon as you’ve booked your trip

If you intend to leave taking out travel insurance until the day before you travel, this might already be too late. You want your insurance to commence as soon as your trip is booked so that you’ll be covered against any last-minute cancellations. Without insurance, you may have to foot the bill for a last-minute cancellation.

Take care of your health in the run up to your trip

Ensuring that your medication is fully stocked, you’ve seen your GP or healthcare professional before your trip, and you’re generally living healthy will help lower your chance of claiming and will therefore reduce your future premiums.

Getting the most suitable quote for your specific needs

The first thing you need to do is provide your insurer with information. This information helps insurance companies produce a quote that is based on your lifestyle and how much of a risk you might be to insure. 

Answer all questions as accurately as possible, whether it’s your date of birth, medical or claim history, or even more personal lifestyle-based questions. This helps your insurer produce a quote that suits your needs so that you’re covered against the things you’re likelier to claim for. 

You should also think about whether you need a single-trip policy or a multi-trip policy. Single trip travel insurance covers you for a minimal number of trips per year, generally 1-2. If you plan on taking numerous trips a year for either business or recreation, a multi-trip plan will suit you better.

COVID-19 update

If you’re over the age of 80, you should have been offered the COVID-19 vaccine and are as a result feeling more comfortable about the prospect of travelling. Most insurance companies are able to provide COVID-specific coverage for when it’s safe to travel. As always, check your policy details and speak to your insurance company. 

EHIC and Brexit update

The European Health Insurance (EHIC) card that we’ve previously taken with us on trips abroad is no longer valid after leaving the European Union. If you have an EHIC card issued before the end of 2020 then you can still use it until the expiry date. 

The UK government has since replaced the EHIC card with the GHIC (Global Health Insurance Card), and this will provide the same cover as the EHIC in EU countries.

There are some significant drawbacks to the GHIC/EHIC card and it cannot be used as a substitution for actual travel insurance. For example, a GHIC won’t cover any private medical health care costs and it won’t pay out if you need to be repatriated.


Do I need over 80s travel insurance?

As the likelihood of you making a claim increases the older you get, we highly recommend that you take out travel insurance. Medical fees in foreign countries are increasingly expensive and in an unfamiliar place where language barriers could add further difficulties, you will need to be insured. 

Should I declare pre-existing medical conditions on my travel insurance?

Yes. You need to be as accurate as possible when providing initial details to a prospective insurance provider. If you do not disclose that you have a pre-existing medical condition and you attempt to claim for an illness/injury relating to said condition, your policy will likely be invalidated. 

Pre-existing medical conditions include but are not limited to: cancer, heart conditions, diabetes, epilepsy and many more.

Can I get travel insurance when I’m over 80?

For the majority of UK insurance providers, over 80s insurance is the highest age range available. That said, some providers do have over 90s insurance too. 

Will I need to pass a medical test to take out over 80s insurance?

Most insurance providers will assess the information you provided on your application form (specifically, your medical history).

How much does over 80s insurance cost?

This largely depends on where you’re travelling. UK insurance will of course cost less than, for example, North America or Australia. Most insurance providers will be able to give you a roundabout idea before producing your actual quote, so be sure to speak with them. Remember: taking out travel insurance is important for every age group but it’s particularly important for the elderly. 

Useful information

*Based on a couple aged 30 with no pre-existing medical conditions, taking annual multi-trip cover for Europe. Cover starts on 4th March 2022 and ends on 3rd March 2023. Prices correct as of 3rd March 2022.

If you're struggling to find suitable cover, the Money and Pension Service (MaPs) also provides a list of specialist insurers on the MaPs directory website – or you can call the British Insurance Brokers Association on 0370 950 1790. https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory