Over 80s Travel
Insurance
Travel Insurance For Over 80s
Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.
What is Over 80s Travel Insurance – and do you need it?
Over 80s Travel Insurance is designed to cover you for a variety of risks related to travelling at an older age. As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation.
Here are a few reasons to get your over 80s Travel Insurance with Top Travel Cover:
- The joy of travelling worry-free: With Top Travel Cover, you can travel confidently knowing you’re protected every step of the way. From trip cancellations and lost baggage to specialist medical cover around the world, you can travel with peace of mind, focusing solely on the enriching experiences of your trip
- Specialist medical cover: We have over 20 years of experience as Medical Travel Insurance specialists, covering 1,300 different medical conditions, including common pre-existing conditions like high blood pressure, cancer and diabetes.
- Repatriation cover: If you don’t have repatriation cover and you need an air ambulance back to the UK, this could cost you anywhere between £10,000 to upwards of £50,000. You’d then need to add the expense of any medical treatment on top of that. Our Over 80s Holiday Insurance can cover you for these costs.
- No upper age limit: Whether you’re booking a Single Trip policy or travelling with family and friends, our policies have no upper age limit. This means we can offer you tailored Travel Insurance for your 80s and beyond.
Top Travel Insurance for Over 80s with pre-existing medical conditions
We understand that finding travel insurance in your 80s can sometimes be difficult. This is typically because the risk of insuring older travellers is higher. Existing medical conditions are more common, and these can lead to a higher risk of travel-associated issues like infections and injury.
However, as a specialist medical Travel Insurance provider for travellers 80 and over, we can help you find a policy tailored to your specific needs.
Here are some of the most common medical conditions we cover:
- Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation.
- Chronic illnesses – According to NCOA research, nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer, Crohn’s disease, IBS, gallstones and other long-lasting chronic conditions.
- Respiratory problems – Respiratory conditions include asthma, causing breathing difficulties, and COPD, leading to airflow obstruction and breathing difficulties.
- Neurological conditions – These are disorders affecting the brain and nervous system, like strokes, epilepsy and multiple sclerosis.
- Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes.
- Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis.
- Mental health – Including anxiety and depression.
What does Over 80s Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Find over 80s Travel Insurance for your trip
We tailor policies to suit your travel needs. Whether you’re off to enjoy a cruise across the Caribbean or a staycation with your family in Cornwall, we’ll help you find a policy suited to your needs.
Here are a few options to help you choose what you might need:
- UK Travel Insurance is ideal if you’re looking to enjoy the UK’s stunning holiday offerings. This type of policy covers you for things like cancelled accommodation and travel delays
- Cruise Travel Insurance keeps you protected from all medical emergencies and accidents onboard. It also covers you for cruise disruptions, cabin confinement and missed port departure
- Family Travel Insurance covers you, your friends and your family under a single policy. This means complete protection for everyone involved
- Worldwide Travel Insurance is what you need to protect you for all the essentials, wherever you travel
- Annual Travel Insurance is popular among older travellers. If you’re planning on more than one trip within 12 months, Annual Travel Insurance can be a cost-effective option
- We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and more.
Over 80s Travel Insurance FAQ's
Frequently asked questions about Over 80s Travel Insurance deal
Unfortunately, the cost of Travel Insurance usually increases with age. This is because older people are more likely to need emergency medical treatment on holiday. Over 80s are also at a higher risk of infection or injury when travelling.
So, premiums increase to cover the higher risk.
We do not have an upper age limit for Travel Insurance.
Over 80s Travel Insurance covers everything included in our standard Travel Insurance policy, with no upper age limit. This includes everything from specialist emergency medical cover for seniors, as well medical aids, medication and repatriation cover.
It also includes standard things like trip cancellation, travel delays, baggage loss and personality liability protection.
As with any policy, you can get your over 80 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. However, it’s beneficial to buy your Travel Insurance as soon as you book your trip.
You can buy Single Trip Travel Insurance up to 12 months before your trip. The cover begins immediately after purchase if you have chosen a policy that includes cancellation cover.
You can buy Annual Travel Insurance up to 60 days before your chosen start date. Cover will only begin on the chosen start date of your policy.
Yes, Over 80s Travel Insurance is essential, even if you have a GHIC or (previously EHIC) card.
While a GHIC card does provide cover for medical emergency expenses, it will not cover transport to the hospital.
Additionally, a GHIC card will not cover you for travel delays, cancellations or lost luggage.
Age and medical conditions are two of the important factors we take into account when determining your premium.
Other factors include the destination, duration of the trip, level of cover, and any pre-existing medical conditions you have declared.
Yes, you can travel in a group of all ages, whether that’s friends or family. This can be done through our Group Travel Insurance policy during your quote process.
What does Top Travel Over 80s Travel Insurance cover?
Travelling in your 80s doesn’t have to be stressful or difficult, it should be invigorating and exciting.
Our Over 80s Travel Insurance policy covers everything included in our standard Travel Insurance policy, with no upper age limit.
What’s covered?
- Medical expenses – We can cover emergency medical treatment you need while travelling. This includes any pre-existing medical conditions you’ve declared
- Medical aids – We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence
- Medication – If you lose your prescription medication during your trip, we will cover and help you replace it
- Repatriation – This covers the cost of emergency medical transport back to the UK, which could otherwise cost tens of thousands of pounds
- Lost luggage – We will cover the cost if your baggage is stolen or damaged, so you can replace your important items
- Cancellation and curtailment – Provides cover if you have to cancel your trip due to reasons beyond your control
- Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted
What’s not covered?
- Undeclared medical conditions – We need to know your full medical history to give you the cover possible in a medical emergency
- Missed flights within your control – Unfortunately, we can’t cover missed flights due to personal errors
- Choosing not to travel – We know that sometimes plans change, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
- High-risk activities – Our standard policy doesn’t cover these activities, but you can add Optional Extras to include some activities.
- Accidents under the influence of drugs or alcohol – While we want you to enjoy your trip, safety comes first. If an accident occurs due to drugs or alcohol, we cannot cover your claim
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