Over 90s Travel
Insurance
Over 90’s Travel Insurance
Over 90s Travel Insurance provides you with the ultimate peace of mind. You can travel knowing that you’re covered for any unexpected medical bills. We’ll cover your belongings, accommodation, trip cancellation1 and more.
What is Over 90s Travel Insurance – and do you need it?
If you’re over 90, it can be challenging to find affordable Travel Insurance that gives you the cover you need. Our policies have no upper age limit. Plus, we can cover more than 1,300 pre-existing medical conditions, so you can travel with confidence.
Accidents abroad can be costly, especially if you need repatriation. This is particularly true for older travellers.
- Long-term trips for retired people, dubbed “golden gap years”, are on the rise. Adults are still enjoying exploring the world, well into their later ages.
- However, senior travellers can have more complex medical needs. Making sure you’re covered in a medical emergency and have access to any medication is key.
- 70% of travellers rated “high medical expenses” as one of the most important aspects of Travel Insurance that matter to them2.
Travel Insurance is a must-have for anyone over 90 who is travelling abroad.
There’s a reason we’re the UK’s Most Trusted Travel Insurance Provider3. Our Gold Plus Travel Insurance is a Which? if you’re looking for Over 90s Travel Insurance, you’re probably in the right place.
Top Travel Insurance for Over 90s with pre-existing medical conditions
According to our partners at Age UK, 86% of people over the age of 85 have at least one long-term chronic condition. However, having a chronic condition shouldn’t be a barrier to seeing the world. This is why we cover all pre-existing conditions and have no upper age limit on our policies.
When receiving your quote, you must declare any and all pre-existing medical conditions. That way we can create the right quote for you. We might ask you a few questions about your condition, such as:
- When were you diagnosed?
- Do you take any medications?
- When was the last time you were admitted to the hospital for treatment?
We cover all conditions and offer cover to 99%+ of our customers4. Some examples of conditions we cover include:
- Cancers – We cover all cancers. This includes bowel cancer, breast cancer, ovarian cancer, skin cancer and testicular cancer. We also cover terminal conditions.
- Heart problems – We’ll cover cardiovascular issues affecting heart function. Examples include high blood pressure and atrial fibrillation.
- Musculoskeletal conditions — We cover any conditions that affect bones, muscles, and joints. If you’re living with osteoarthritis, broken bones or osteoporosis, you’ll still be protected.
What does Over 90s Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Find Over 90s Travel Insurance for your trip
We tailor our policies to your trip. This includes any add-ons needed to ensure you stay comprehensively covered while abroad.
- Cruise Cover: This policy add-on means you’re covered if you’re confined to your cabin or can’t go on an excursion. This means you’re not paying for time you’re not using.
- Gadget Cover: Taking your laptop or tablet abroad with you? Our Gadget Cover ensures that you can replace it if it’s lost. It’s a must-have.
- Golf Cover: Your golf clubs are precious, so we’ll cover them as carefully as we cover you. Our Golf Cover means you can replace them in the event of a mishap (up to £750).
- Single Trip Travel Insurance: If you only fancy one trip abroad this year, our Single Trip cover is what you need. It’s cheaper than an annual plan but still gives up to unlimited cover for medical expenses and repatriation.
- Annual Worldwide Travel Insurance: Taking multiple trips abroad this year? An Annual Travel Insurance policy could save you time and money. With Top Travel Cover, you can choose between two options – cover anywhere in the world, including the USA, Mexico, Canada, and the Caribbean or cover anywhere in the world which excludes those destinations.
Over 90s Travel Insurance FAQ's
Frequently asked questions about Over 90s Travel Insurance
Yes, a 90-year-old can get Travel Insurance. Our policies can cover: All ages. All medical conditions. All destinations. We also offer cover to 99%+ of our customers4, so if you’re looking for over 90s Travel Insurance, you’re in the right place.
At Top Travel Cover, our policies have no upper age limit because we believe travel is for everyone. Some insurance providers, however, will have an upper age limit cut-off for their policies due to the increased chance of claiming on a policy as we age.
There are many factors that will affect the cost of a Travel Insurance policy, such as:
- Your age
- Your medical history
- Where you’re going
- How long you’re going for
If you need to make your Travel Insurance cheaper, you can try to change a few of these factors. You won’t be able to do much about your age, but you can change your destination or how long you’re going for.
The UK Government recommends anyone who leaves the country get out the required type of Travel Insurance. The GHIC (Global Health Insurance Card) covers you for any emergency medical costs, such as surgery or prescription medication, in Europe. It doesn’t, however, cover you for everything that might go wrong on holiday. This means you’d have to pay out if you need transport to and from the hospital, lose your luggage or have cancelled flights.
At Top Travel Cover, we cover all destinations, as well as all ages and all medical conditions. Travel is for everyone, so no matter where you’re going, we’ll help you stay covered. We also offer optional extras, like Golf Cover or Cruise Cover. This means you’re protected no matter where you go, or how you go there.
What does Top Travel Over 90s Travel Insurance cover?
Over 90s Travel Insurance covers you for unexpected medical costs, lost luggage and cancelled flights. We also provide specialist medical cover for over 1,300 medical conditions, meaning you can confidently explore the world.
What’s covered?
- All ages – Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance policies have no upper age limit.
- Medical cover – Top Travel Cover policies include emergency medical cover, including any existing conditions you may have. This includes any prescription medication for pre-existing conditions, plus any medical equipment.
- Cancellation and curtailment1 – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go. Likewise, if you need to return home early following an emergency.
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures – For delayed flights, we’ll compensate you for the time. If you miss your flight, we’ll also cover your accommodation and transport costs.
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to.
- Other regions – Your Travel Insurance won’t cover you if you travel outside your chosen region. You can, however, contact us to upgrade your policy anytime.
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy your Travel Insurance. This way we can give you tailored cover. This is especially vital for senior travellers and those with long-term illnesses.
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