Over 80s Travel Insurance

Annual travel insurance

Annual travel policies are also known as multi-trip policies. They cover any holidays you take within an entire year. This means you only have one policy and premium, and it could work out cheaper and more convenient in the long run.

Single trip insurance

Single trip policies offer short-term coverage for one trip to a single destination. You can choose the policy start and end dates, and know you will be protected from a range of risks during this time.

Backpacker insurance 

Backpacker policies cover longer travel in a wider range of countries. They can offer protection for the whole of Europe, or even worldwide, giving you freedom and flexibility.

Family and couples policies

If you are travelling with family or a partner, multiple people can get protection on a single policy. This often comes with a discounted rate, so it could be cheaper than insuring each person individually.

What’s covered

• Medical expenses – Covers emergency medical care while abroad. If you have pre-existing medical conditions, these will need to be declared to the insurer when you take out your policy. 
• Personal belongings – If your luggage or personal possessions are lost, stolen, or damaged, they will be covered up to an agreed limit. Some insurers could also include mobility aids and medications. 
• Repatriation – This pays for the cost of your return to the UK if you need specialist medical care, or in the event of your passing. 
• Cancellation and curtailment – This covers losses if the trip needs to be cancelled or delayed because of events outside your control, like illness or bereavement.
• Personal liability – This could cover the cost of legal advice or compensation if you cause accidental harm to others or their property.

Limits and exclusions

• Undeclared medical conditions – It’s important to declare any medical condition you are aware of at the time of buying your travel insurance. If you don’t, treatment for this condition may not be covered when you are abroad, and you risk voiding your insurance policy completely. 
• Cancellations within your control – If you miss a flight or simply change your mind about travelling, this won’t be covered.
• High-risk activities – Standard coverage will not usually protect you while doing high-risk activities and sports like winter sports.
• Using drugs or alcohol – If your claim is the result of an incident that happened while you were under the influence of alcohol or drugs, this won’t be covered.

Cruise cover

Gadget insurance

Medical cover for existing conditions

Your age

Older travellers make more claims for medical costs on travel insurance. So insurers often offset this risk with higher premiums.

Your medical needs

If you have complex medical needs, you could be more likely to need emergency care on your holiday. This is also considered a high risk by insurers. 

Where you are travelling

Medical care costs and facilities differ from place to place. Some countries also pose risks like dengue fever or mosquito-borne disease.

How long you are travelling

The longer you are travelling, the more exposure you have to risks. You’ll also have higher cancellation costs because you’re paying more for accommodation.  

The type of holiday

Holidays like cruises come with their own risks on top of the standard ones that travel insurance covers. This extra cover will come at an added cost.

The coverage you choose

If you need to choose higher claim limits for luggage, personal belongings or medical claims, this will all be factored into your premium.