single trip travel insurance for over 80s

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The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton

Senior Finance Contributor

305 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

32 Published Articles 3106 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

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Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

• You, a family member, or travel companion becomes seriously ill and you must cancel your trip
• You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
• You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

• Emergency medical coverage
• Emergency evacuation
• Trip cancellation, trip interruption , and trip delay
• Baggage insurance and personal effects coverage
• Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

What You Need to Know About Age and Travel Insurance

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Best Travel Insurance Options — Ages 65 to 69

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

• John Hancock
• Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

Best Travel Insurance Options — Ages 70 to 79

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

• Lost, stolen, or damaged luggage insurance
• Car rental insurance
• Roadside assistance
• Travel accident insurance
• Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® card also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Best Travel Insurance for Seniors in April 2024

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As an older adult, you may look forward to traveling the world when you retire. Whether taking a single trip or traveling extensively, health concerns and sickness can derail even the best plans.

One way to address those risks is to purchase one of the best travel insurance policies for older adults . We cover multiple insurance carriers and provide policy premiums and benefits examples to help you find the best travel insurance to meet your needs.

This is the shortlist of the best travel insurance for older adults:

HTH Travel Insurance .

John Hancock .

TravelSafe .

Seven Corners .

World Nomads .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance policy is an important decision. Yet, the best travel insurance company depends on your needs and budget. Here are the factors we focused on when making this list.

Available policy types . The best travel insurance companies offer multiple policy types to meet the needs of various travelers.

Policy coverage limits . How much will the policy cover if you need to make a claim?

Exclusions . Do you have pre-existing conditions that may affect your ability to travel, increase the potential for medical treatments during your trip or cut your trip short? What would cause the insurance company to deny a claim?

Cost . How much does the insurance company charge for a basic policy? Is this price affected by your age, length of the trip or overall health condition?

Website usability . We value insurance companies that make it simple for travelers to compare options, get a quote and purchase a policy online.

Customization . Are the insurance company's policies customizable to meet a traveler's needs or must they choose from a rigid set of options?

What matters most to you also impacts which travel insurance is best for you. Whether it's medical evacuation, pre-existing conditions or the repatriation of remains, each policy's coverages and limits differ.

Additionally, policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

We requested quotes from multiple travel insurance companies for a 10-day trip to Madrid in July 2023. Our hypothetical traveler is a 65-year-old man from California who is spending $8,000 for the trip. His trip cost includes airfare plus prepaid hotels and excursions.

On average, the price of a policy offered by the listed companies was about $514, with a median price of $609.

* Cost refers to the basic coverage cost if multiple options are available.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different coverage. For example, policies from HTH Travel Insurance only provide medical coverage but not trip interruption, delay or cancellation protection.

Comparing coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

HTH Travel Insurance

What makes HTH Travel Insurance great:

Medical benefits of up to $1 million with deductibles as low as $0.

Access to English-speaking doctors in more than 180 countries.

Insurance covers hospital care, surgery and prescription drugs.

Here's a snippet from our HTH Travel Insurance review:

"HTH has a few travel insurance policies. These include medical plans and trip protection plans, so you'll want to decide what type of coverage you require."

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from HTH Travel Insurance. For our test trip, their healthcare-only coverage cost is just $90. However, keep in mind that this plan only provides medical coverage — if you want insurance for things like trip cancellation , trip interruption or baggage delay, you'll need to purchase a different plan.

John Hancock

What makes John Hancock great:

Emergency medical evacuation coverage starts at $250,000 per person.

Trip interruption coverage of 125% of trip cost.

Trip delay benefits start at six hours.

Here's a snippet from our John Hancock review:

"John Hancock offers three different plans for travelers depending on their needs: Gold, Silver and Bronze. As you'd expect, the Gold level comes with the most coverage and the highest price, while the Bronze level costs the least."

John Hancock's basic coverage cost for our test trip is $616, which is slightly above average. This policy is ideal for travelers worried about health problems requiring an emergency medical evacuation during their trip.

What makes TravelSafe great:

Coverage for pre-existing conditions is available if the policy is purchased within 21 days of booking travel.

Includes a $500 benefit for missed connections or trip delays.

Trip cancellation protection of up to $10,000.

Here's a snippet from our TravelSafe review:

"TravelSafe insurance offers two different plan types: Basic and Classic. Both of them only cover single trips; the company doesn't sell multi-trip or year-long plans. The TravelSafe Basic plan offers a lower level of protection than the company's more expensive option, TravelSafe Classic."

TravelSafe's basic coverage cost for our test trip is $855. While this policy has a higher price, it offers coverage for pre-existing conditions if you buy it within 21 days of booking your trip.

Seven Corners

What makes Seven Corners great:

Lost baggage benefits of $500 per person (per item limit of $250).

Delayed bags are reimbursed up to $100 per day ($500 max).

Trip delay of up to $200 per day per person after six hours ($600 maximum).

Here's a snippet from our Seven Corners review:

"The RoundTrip Basic plan is a good comprehensive travel insurance option and offers 100% trip cancellation (for trips up to $30,000), 100% trip interruption, $100,000 for emergency medical expenses (secondary coverage), $250,000 for medical evacuation/repatriation, lost luggage, baggage delay and other benefits."

Seven Corners' basic coverage cost for our test trip is $602, which is slightly above average. It offers superior protection against lost or delayed luggage, which can really put a damper on your travel plans.

What makes Tin Leg great:

Trip cancellation and interruption for COVID included at no extra charge.

Coverage extended up to seven days for medical quarantine .

Sports equipment is covered under baggage loss coverage.

Here's a snippet from our Tin Leg review:

"Tin Leg offers nine different travel insurance coverage policies. Prices vary for each depending on your itinerary and trip costs. The Basic plan is exactly what it sounds like: a policy for low-risk trips. It includes coverage for trip cancellation, delay and interruption, plus missed connections, emergency medical and evacuation, and lost and delayed luggage coverage."

Tin Leg's basic coverage cost for our test trip is $844. COVID's impact on retirees can be severe, so having a policy with generous benefits regarding coronavirus is critical. One of the best features includes up to one week of additional coverage at no charge if you're medically quarantined.

World Nomads

What makes World Nomads great:

Covers more than 200 adventure activities.

Ability to extend coverage while traveling.

Emergency medical coverage of $100,000 for all policies.

Here's a snippet from our World Nomads review:

"World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity-related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections. The provider offers insurance plans for travel to nearly any country and is available to residents of most countries."

World Nomads' basic coverage cost for our test trip is $74. However, take note of the coverage limits on its policies, which can be much lower than the cost of your trip. Its Basic policy coverage caps trip cancellation or interruption at $2,500, which could leave a large gap in comparison to our traveler's $8,000 trip cost.

Best travel insurance for older adults recapped 

The types of insurance plans for older adults — and how much they cost — vary significantly. There are options for those who only want to cover medical costs and plans for those who want coverage for any travel mishap that might befall them.

Other things to consider are pre-existing medical conditions, what types of activities you're doing and how long you'll be traveling.

Your chosen policy will depend on your travel needs and your comfort with risk. The upfront cost may be well worth it if you need to make a claim on an expensive injury, a canceled flight or a medical evacuation. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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Over 80 Travel Insurance

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Life begins at 80, right? When you’ve reached this golden age, you’ve amassed a wealth of knowledge, experience, and, most importantly, the time to explore this beautiful world.

But let’s get down to brass tacks: securing travel insurance when you’re over 80 can feel like a bit of a rollercoaster ride.

But fear not, we’re here to make it a breeze, so sit tight, and let’s unravel this over 80 travel insurance conundrum.

In this article...

Why Over 80 Travel Insurance is Crucial

The freedom of retirement often brings the opportunity to travel more frequently or for longer durations. But as we age, the risk of unexpected health issues increases, making travel insurance more important than ever.

Plus, let’s not forget those unforeseen travel hiccups like cancellations, delays, lost baggage, and even emergencies back home that could cut your trip short.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Finding the Right Over 80 Travel Insurance

Navigating the travel insurance market can feel like finding a needle in a haystack, but hold your horses! You don’t have to settle for the first policy you come across.

A bit of due diligence can go a long way in finding the right coverage tailored to your needs.

Pre-existing Medical Conditions Coverage

Traveling the world in your 80s can be one of life’s greatest joys, but it can come with its own set of challenges. One of these challenges is managing pre-existing medical conditions and understanding how they impact your travel insurance coverage.

What is a Pre-existing Condition?

A pre-existing condition is any medical or health condition that existed before the start date of your travel insurance policy. This could be something you’ve received treatment for, taken medication for, or sought advice about.

Conditions could range from chronic diseases like heart disease, diabetes, and arthritis to mental health conditions like anxiety and depression.

In the context of travel insurance for those over 80, insurers consider these pre-existing conditions while evaluating the risk and the potential cost of insurance.

This is because older people are statistically more likely to need medical assistance while traveling abroad .

Declaring Your Pre-existing Conditions

Declaring your pre-existing conditions when applying for your travel insurance is a crucial step.

Honesty is the best policy here, folks. It might be tempting to omit a condition for fear of increasing the cost of your premium, but this could lead to a denied claim when you need help the most.

Be prepared to answer questions about your medical history, current treatments, and medications.

This may include specialist reports and details about hospital visits. Yes, it might take a bit of time and you may need to consult with your doctor, but it’s worth it to ensure you’re fully covered.

Coverage Options for Pre-existing Conditions

The coverage for pre-existing conditions varies greatly among insurers. Some may offer to cover your condition as part of their standard policy, particularly if your condition is under control and hasn’t required recent treatment.

Others may require an additional premium to cover the risk associated with your condition. In some cases, the insurer might exclude your condition from the coverage, meaning you wouldn’t be able to claim costs associated with it.

Travel insurance for those over 80 with pre-existing conditions may require a little more homework to find the best policy.

But remember, the peace of mind knowing you’re covered is worth its weight in gold. After all, you’re in your golden years, and your travels should reflect that.

Yes, it can be a pain to disclose your medical history, but it’s absolutely essential for your travel insurance application.

Full transparency can save you from denied claims and potential financial woes.

We promise it’s less painful than a dentist appointment.

Benefits and Limitations

Just like a good old spy movie, every travel insurance policy comes with its twists and turns.

Know your benefits inside and out, from medical and hospital costs to cancellation and curtailment. But also familiarize yourself with the limitations and exclusions , so there are no nasty surprises.

The Cost Factor

Cost is often a major consideration for those seeking travel insurance over 80. But remember, the cheapest policy might not provide adequate coverage.

It’s like buying a chocolate chip cookie only to find it’s raisin. Make sure your policy provides value for money and covers what you need.

The Best Travel Insurance Plans for Those Over 80

Finding the right travel insurance policy for those over 80 can be a bit like finding a needle in a haystack, but fear not, it’s out there.

The best plans not only cover the basics like trip cancellations, medical emergencies, and lost luggage, but also take into account the unique needs of the seasoned globetrotter.

Here are some recommended travel insurance plans ideal for the over 80 group:

1. VisitCover Senior

VisitCover Senior is a travel insurance policy designed specifically for those over 80.

With generous coverage for medical expenses, including those related to pre-existing conditions, this plan also offers protection for trip cancellations and delays, lost or delayed baggage, and more.

The customer service is top-notch, helping you navigate any obstacles that might crop up during your travels.

2. GlobeTrotter Platinum

GlobeTrotter Platinum is another robust policy providing high medical coverage limits.

It also includes coverage for emergency evacuations – a crucial consideration for those traveling to remote or exotic locations. GlobeTrotter has a solid reputation and a customer service team that goes the extra mile.

3. WanderWell Explorer

WanderWell Explorer offers comprehensive coverage for trip cancellations, medical emergencies, and baggage issues.

This policy stands out for its optional “cancel for any reason” upgrade, giving you the flexibility to change your travel plans without worrying about losing your investment.

4. AdventureShield Diamond

AdventureShield Diamond caters to the more adventurous souls who don’t let age slow them down. Alongside standard coverage, it includes protection for adventure activities, from hiking and biking to ziplining and snorkeling.

If your bucket list still has a few thrill-seeking entries, AdventureShield might be the one for you.

When choosing a travel insurance plan, consider your health, travel itinerary, and personal comfort level. It might be worth paying a bit extra for a comprehensive policy that gives you peace of mind and lets you focus on the fun stuff – experiencing the trip of a lifetime.

Q: Why is travel insurance for those over 80 often more expensive?

Travel insurance premiums rise with age because insurers see older travelers as a higher risk due to increased health issues and medical needs.

Q: Are there any travel insurance providers that specialize in over 80 travel insurance?

Yes, several travel insurance providers specialize in insurance for older travelers. Some may even provide coverage without an upper age limit.

Q: Can I still get travel insurance if I have pre-existing medical conditions?

Yes, but it might affect the cost of your premium, and not all conditions may be covered. Be sure to disclose all pre-existing conditions to your insurer.

Q: What happens if I fall ill abroad without travel insurance?

Without insurance, you could be responsible for any medical costs incurred. This could include everything from doctor visits to hospital stays, medication, and even medical evacuation .

Q: Can I get travel insurance for a single trip or do I need to buy an annual policy?

You can get coverage for a single trip or buy an annual policy, depending on your travel plans. An annual policy may be cost-effective if you plan to travel multiple times within a year

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Travel Insurance

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• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

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24/7 emergency helpline

Our over 80s travel insurance covers you for all the holiday essentials: medical emergencies, travel delays and cancellations. We have no age limits on our travel insurance and, if you declare any pre-existing conditions, we can cover those too for you. 

What is over 80s travel insurance and how does it work?

Over-80s travel insurance is a type of travel insurance policy that specifically caters to people over the age of 80. This means insuring you for unexpected events during or before your holiday. We’ll also cover any pre-existing medical conditions you declare.

Travel insurance is incredibly important, especially as we get older. You want to enjoy your retirement, not worry about unexpected expenses from holiday hiccups, like hospital trips.

So that’s why we’re here to keep you financially protected when you travel. So you can enjoy your trip without worrying about surprise costs.

What does InsureandGo’s over 80s travel insurance cover?

What’s covered.

All our yearly travel insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We strive to provide the best cover possible,  however, there are some situations no travel insurance will cover. For example:

• Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like snowing or snowboarding.

Trip length

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions.

If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best travel insurance for over 80s

If you’re heading off to do something special, your age shouldn’t stop you. That’s why we offer all sorts of extras for your travel insurance policy. 

• Cruises : Adding cruise cover to your policy protects you against some cruise-specific mishaps, like a missed departure, cabin confinement, or even repatriation back to the UK from the sea. 
• Single trip cover : Just heading abroad once this year? Single-trip travel insurance might be the way to go.
• Golf : Rest assured on your golfing holiday with our golf holiday travel insurance, which covers your equipment, green fees and your golf clubs. 
• Europe or worldwide cover: Taking a once-in-a-lifetime trip with multiple stops? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance . 
• Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday, even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover .

Choose a cover level to suit your travel needs

Travel insurance for over 80s with pre-existing medical conditions.

At InsureandGo, we’re proud to offer travel insurance for medical conditions . Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

It’s important to declare any medical conditions you have before you buy your policy. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents . 

If you’d rather talk to someone with your questions, then please get in touch with us .

Which destinations are covered by over 80s travel insurance?

We offer over-80s travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book travel insurance for over 80s

You should be free to enjoy your time, not bogged down sorting out travel insurance. That’s why we make getting an over-80s travel insurance quote as easy as possible. 

1. Let us know a little info

We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

After you’ve given us all the details we need, we’ll send you over a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.

“If you’re over 80 and booking your next trip, make sure to sort your travel insurance. his protects you against unexpected medical costs, including repatriation back to the UK. Plus, travel insurance for pre-existing medical conditions will also cover any lost medications, so you’re not caught short if you forget to pack something.” Letitia Smith – Travel insurance expert

Our reviews speak for themselves

Don’t just listen to us, listen to the people who have already booked with us.

Get a quote now:

Frequently asked questions on travel insurance for over 80s

Can 80 year olds get travel insurance.

Yes, people aged 80 and over can get travel insurance. 

When buying travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses you might need. Each policy is different, so be sure you check yours.

What is the maximum age you can insure up to?

InsureandGo offers travel insurance with no upper age limit . Our policies always include cover for over 100 sports and activities, no matter what your age. Although our additional winter sports cover is only available up to age 65.

Will my policy be more expensive if I’m over 80?

The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as  golfing . 

Does my over 80s travel insurance change depending on where I’m going?

Yes. Policy premiums are affected by your destination, however this is the same for travellers of all ages. Prices differ because countries have different costs for medical treatment. For example, travel insurance for the USA costs more because medical treatment in America is a lot more expensive than the same treatment in certain European countries.

How long can I travel for if I’m over 80?

You can travel for as long as everyone else! Our policies do have trip limits, but these apply to all travellers, regardless of age. On our single-trip travel insurance , you can be abroad for up to 365 days if you want to!

Our annual multi-trip travel insurance allows you to travel as often as you like, but there’s a maximum number of days for each trip. Budget level policies provide cover for up to 31 days at a time, while Silver or Gold covers you for up to 45 days. Black policies can cover unlimited trips of up to 55 days.

Do I need a GHIC card as well as travel insurance?

The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country. While your Global Health Insurance Card or GHIC (previously EHIC) will cover you for medical expenses directly, it will not cover any additional holiday hiccups, like lost luggage or repatriation back to the UK. 

All British citizens are entitled to a  GHIC. These cards will cover any necessary treatments you may require in Europe. However, these cards do not replace European travel insurance , so make sure you arrange it before you travel.

What is considered a pre-existing condition for travel insurance?

It is considered a pre-existing condition if any person insured on a policy has:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before purchasing travel insurance for medical conditions , you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing condition before taking out your travel insurance policy, you will likely find that the entire policy becomes invalid, leaving you responsible for all costs incurred when abroad. This means not only medical bills but also transport to and from the hospital, as well as any other accidents, like lost luggage.

How far in advance should I get travel insurance?

Book your travel insurance as soon as you book your trip . Doing it like this means you’re covered if there are issues ahead of your trip. If you can’t do this straight away, get cover as soon as possible. It’s important to remember that your travel insurance will only be valid if you purchase it before you leave the UK. 

If you’ve booked any activities or excursions while on holiday, make sure you check the wording on your policy to ensure that the insurance covers any risks from these activities.

Who can buy an InsureandGo over 80s travel insurance policy?

All our over 80s travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

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Frequently asked questions.

If you’ve got more questions about how our over 80s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

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If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

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Home > Latest News > Navigating Travel Insurance Options for Over 80s

Navigating Travel Insurance Options for Over 80s

by Sarah Forster | Jun 26, 2023 | Over 80 Compare | 0 comments

by Sarah Forster

26 June 2023

Over 80 Compare

Choosing the right Travel Insurance policy can be challenging, especially when you’re over 80 and planning your next holiday. At Just Travel Cover, we believe you should travel as long as you are able – that’s why we provide Travel Insurance for all ages, including those over 80. Whether you have pre-existing medical conditions or not, we can help you compare options and arrange cover today, wherever you’re going next. 

This page was last updated on 26/06/23. 

If you’re over 80 and looking for suitable Travel Insurance, consider the following steps to ensure you make the right choice:

Assess Your Individual Requirements: Consider the duration and cost of your trip, your destination, and any pre-existing medical conditions you may have. This information will help you understand the specific cover you need.

Look for Cover Limits: You’ll need at least £2m medical cover – the minimum we offer is £5m. Also ensure your policy covers cancellation to the value of your holiday or higher. We can provide cover up to £12,500 and remember all limits are per person insured. Check baggage cover limits, valuables and what the caps are on money/cash.

Compare Quotes: We’ll save you some time shopping around by comparing prices from several insurers for you. Alongside the price, you’ll also see the limits and the excess you’d need to pay in the event of a claim.

Consider Policy Limitations and Exclusions: Carefully review the terms and conditions of the policy, including any limitations or exclusions that may apply. Understanding these details is crucial to making an informed decision.

Seek Assistance from Our Team: If you have any questions or need guidance, our experienced team is here to help. We can provide bespoke quotes and personalised support for people of all ages, including those with pre-existing medical conditions.

By following these steps, you can select a Travel Insurance policy that offers the necessary protection and peace of mind for you to travel with confidence.

Ready to find the right Travel Insurance policy? Click below to start your quotation. Our user-friendly website allows you to compare quotes from several providers in just a few moments. Don’t let age be a barrier to your travel plans. Start planning your next adventure with confidence by selecting the right Travel Insurance policy through Just Travel Cover.

Compare Over 80’s Travel Insurance

Get a quote in minutes with cover for all ages and hundreds of pre-existing medical conditions

FAQ’s

Why is it important to choose the right travel insurance policy for travellers over 80.

Choosing the right Travel Insurance policy is crucial for travellers over 80 as it provides financial protection against unexpected events during your trip. It ensures that you are covered for medical emergencies, trip cancellations or interruptions, baggage loss, and other unforeseen circumstances, giving you peace of mind while travelling.

What factors should be considered when selecting a Travel Insurance policy for individuals over 80?

When selecting a Travel Insurance policy, consider factors such as the duration and cost of your trip, your destination, and any pre-existing medical conditions. Always make sure there’s enough cancellation cover to cover the cost of your trip.

How can I compare Travel Insurance options for individuals over 80?

At Just Travel Cover, we do the shopping around for you. Enter your details just once and compare prices and cover from our unique panel of insurers. We’ll provide you with a list of policies that meet your needs – often with a bronze, silver and gold option, explaining the cover limits and any excesses you may need to pay in the event of a claim. Take the time to review the documents, policy limitations and exclusions to make an informed decision.

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Medical Travel Insurance With No Age Limits

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Travel insurance for over 80s

Reaching 80 is a real milestone and there is no reason it should stop you from travelling overseas.

Many standard travel insurance providers may refuse to offer travel insurance for those over 80 years of age, so even revisiting your favourite holiday destinations can become difficult. Of the ones that do provide holiday insurance over 80, it can still be restrictive as many providers will exclude pre-existing medical conditions from their policies.

In contrast, our specialist over 80s travel insurance is specifically designed to help people of any age go on holiday with complete peace of mind, regardless of existing medical conditions or disabilities*.

Medical travel insurance over 80

We are firm believers that age shouldn’t restrict you from travelling abroad and securing holiday insurance over 80 shouldn’t be a chore. Our over 80s travel insurance is part of our no age limit cover, where you can select the level of cover to match your travel requirements.

Free Spirit’s cover is flexible and can be tailored to either a single trip away or, for more than one holiday abroad over the course of a year, we can also cover annual multi-trip travel insurance for over 80s**. We aim to offer true travel freedom for travellers over the age of 80, with a wide range of cover benefits included and the ability to travel both in Europe and Worldwide.

Travel cover for all types of holidays

Whether you want to go away for a short city break, a week or two to your favourite holiday location, or perhaps a European cruise, we can provide cover for over 80s*. Even if you want to spend over a month away, our over 80s travel insurance can cover you*. You can travel for up to 45 days on a single trip policy and also under a multi-trip ‘Super Duper’ policy. Our multi-trip ‘Super’ cover provides cover for 31 days each trip.

Both our ‘Super Duper’ and ‘Super’ levels of cover for over 80s provide a fantastic level of cover ,  with ‘Super Duper’ incorporating some extra features, including:

• your travel being disrupted in the event of an airline, port or airspace closure,
• airline diversion or re-direction,
• being denied boarding due to overbooking,
• the effects of a natural disaster making your travel impossible.

Peace of mind holiday insurance for over 80s

By purchasing our over 80’s insurance you can set off on holiday knowing you are covered for:

• Emergency medical expenses should you have an accident or fall ill abroad
• Repatriation to your home country (only if medically necessary and approved by the assistance company)
• Costs if you need to cut short your trip for reasons including illness, jury service and redundancy
• Unexpected costs getting home if you cannot travel as planned
• Convalescence at home after being hospitalised abroad
• Loss or damage of travel documents, luggage, medication, medical aids, or money.

Please note that policy limits, terms and conditions will apply as shown in the policy wording .

We also provide a 24-hour emergency helpline, so you can reach the assistance company anytime you need to during your trip, day or night.

Over 80s travel insurance that also covers your family

Our travel insurance policies for over 80s can be adapted to cover anyone you’re due to travel with too. This could be family, friends, a carer, anyone you’ll be spending your time away with.

They’ll benefit from all the same features of cover and, most importantly, will also be eligible for cancellation cover alongside you, if you had to cancel your holiday due to your health***. Claiming for cancellation insurance can be tricky and time-consuming when everyone has separate policies with different providers.

Why choose Free Spirit if you’re over 80?

• No upper age limit
• Most medical conditions and disabilities can be covered
• Fully interactive website including online medical screening
• Dedicated team based in the UK
• Extended Journey Disruption cover available on ‘Super Duper’ cover
• Loss or damage to medical aids, including wheelchairs and prescribed medications
• 24 hour medical emergency helpline

Please read the insurance policy for the full terms and conditions of our over 80s travel insurance to make sure it’s suitable for your needs.

Travel insurance for over 80s that includes existing medical conditions

Free Spirit recognises that as you get older you may be more likely to have a medical condition. Our over 80 travel insurance covers many disabilities and the majority of medical conditions – including high cholesterol, cancer and a host of cardiac conditions, such as angina.

These are just a few of the existing conditions covered by our over 80s travel insurance:

• Heart Conditions
• Mental Health Conditions
• Cerebral Conditions
• HIV and AIDS
• Circulatory Conditions
• Central Nervous System Disorders
• Breathing Conditions
• Joint Conditions
• Kidney Conditions
• Liver Conditions
• Disabilities
• Bowel Conditions
• Terminal conditions considered – please call us on 02392 419 080 to discuss further

Applying for over 80s travel insurance

We understand that our customers want to purchase their specialist travel insurance quickly and easily, but also want the opportunity to speak to someone if they need to discuss their medical history in more detail.

Our online medical screening and application process is simple and convenient, however if you’d rather speak to someone over the phone, our friendly UK-based team are also on hand. Please give us a call on 02392 419 080 .

Further advice on travel insurance

For more information from us on travelling over the age of 80, please take a look at the following resources, or simply contact us .

Read our top tips for over 80s travel before heading off on your next holiday.

Age is just a number and we can prove it! Be inspired by these tales of adventurous octogenarians .

Don’t let the fear of trips and falls prevent you from going on holiday. See how Free Spirit can help give you peace of mind as an over 80s holiday maker.

Senior travel insurance with medical cover made simple – see our policy cover for age and medical related travel.

Also, visit the moneymaxim website which highlights the benefits of travel insurance for those over 80 with medical conditions and more.

* Subject to medical screening ** In some cases we may only be able to offer a single trip policy *** Subject to Terms & Conditions of the policy wording

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Travel Insurance For Over 80s

• We cover all pre existing medical conditions, and our policies have no upper age limits.
• Our 5-star policies will give you peace of mind, so you can relax and enjoy your holiday.

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 AllClear:

• The joy of travelling worry-free: With AllClear, 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.

What does AllClear’s 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 best 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. However, our optional Winter Sports cover is only available up to the age of 65
• 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

Our different policy types can be found below. We have three different types to choose from, Gold, Gold Plus and Platinum. 

If you’d like some help choosing which is best for you, give us a call .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s 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.

Find the best 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.

How our Travel Insurance for Over 80s works: A simple 3 step quote process

Before you set off on your travels, you’ll need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our experts say…

“Travel insurance is a must-have for anyone who wants to explore the world, but especially for over 80s. You can cover yourself for unexpected medical expenses, trip cancellation, lost luggage, and more. Travel Insurance can also give you peace of mind and confidence to enjoy your trip without worrying about what might go wrong. You never know when you might need it, so it’s better to be safe than sorry. Travel insurance for over 80s is affordable and easy to arrange.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

We have over 20 years of experience as specialists covering older travellers, and we’re confident we can find a policy that suits you. 

Hear from those who have already discovered and travelled with AllClear.

What our Customers Say

Excellent and reassuring service.

“As I will be 80 later this year, the travel insurance I have with my bank will no longer apply. So, I needed to secure another comprehensive policy for a future cruise. I had been recommended AllClear by fellow cruisers; who in their own words have significant medical conditions. I have now arranged an AllClear policy and would like to place on record that the service I received from Liz was absolutely first class. She explained everything and updated a previous quote which I had obtained on-line. She was patient and gave me all the time I needed.

This gave me the confidence that I was dealing with a quality organisation. I had previously been concerned that it would be difficult and expensive to obtain insurance at my age and with my medical history. I am fit but have had past operations and treatments; and still need eye treatment. I need not have worried. AllClear is geared up to welcome the ‘mature’ traveller. I highly recommend this company.” – Simon

Frequently asked questions on over 80s Travel Insurance

Why does travel insurance cost more when you turn 80.

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.

Does Travel Insurance have upper age limits?

We do not have an upper age limit for Travel Insurance. The only exception is for Winter Sports, which is up to age 65.

What does Travel Insurance for Over 80s cover?

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.

When should you buy Over 80s Travel Insurance?

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.

Do you need Over 80s Travel Insurance if you have a GHIC card?

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.

What factors will affect the cost of over 80s Travel Insurance?

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.

Can someone else join your Travel Insurance policy if they're under 80?

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.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following locations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip

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• Cruise Travel Insurance
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 4 April 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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Travel insurance for seniors over 80

Compare 9 brands that offer travel insurance for over 80s. get covered for pre-existing medical conditions, cruise holidays and covid..

What you need to know

• Many providers offer travel insurance for over 80s. This can include COVID insurance and cover for pre-existing conditions .
• We made a list of travel insurers that can cover you if you are over 80 years old.
• You can also use our travel insurance engine to compare quotes for free.

What is travel insurance for over 80s?

Travel insurance for over 80s works in a similar way to regular travel insurance, but there are some important factors to consider. You can still find travel insurance when you're in your 80s, although it may be more difficult. Some travel insurance policies may have age limits or restrictions on coverage for pre-existing medical conditions, so it's important to read the policy wording carefully and disclose all medical conditions when applying. You can compare policies from multiple insurers with the tool below.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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See over 80s coverage details from multiple insurers

Note: This information was last updated January 2023

Travel insurance for over 80s with pre-existing medical conditions

Pre-existing medical conditions can make it more difficult to get affordable travel insurance. A pre-existing medical condition is one of the following:

• An ongoing medical condition you have
• A medical condition that is currently being (or has been) investigated or treated by a medical professional
• If you take prescribed medicine, or have undergone surgery for a particular condition
• Any condition for which you see a medical specialist.

3 Things to do when you're choosing a policy

1. Disclose all pre-existing conditions

Speak to the insurer's medical examiner and disclose all existing or known conditions. While this may raise your premium, the cost of a potential hospital stay would largely outweigh this small expense. Without full disclosure, you may not be covered if your insurer finds out that you have not been completely honest.

2. Get written evidence

Make sure any cover that you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS . This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.

3. Read the PDS.

Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.

Are there ways to find cheap travel insurance for over 80s?

Travel insurance for over 80s is typically more expensive than it is for younger people, to reflect the added risk of illness and injury for older travellers. But that doesn't mean you can't find cheap travel insurance for over 80s.

Here are 5 things you can do to save money on travel insurance:

Airlines and travel agents usually add hefty commissions on top of the cost of a policy, so you can save money by shopping online and buying cover direct from an insurer.

Adjust your excess

Many insurers give you the option to edit your excess . By switching to a higher excess, you can get a lower premium. Of course, you'll need to make sure you'll be able to afford the excess if you do claim.

Look for discounts

There are often discounts, deals and special offers to help you save money on travel insurance. You could start by looking for online promo and coupon codes .

Buy a joint policy

Travelling with a friend or relative? Instead of purchasing separate travel insurance cover, save money by combining forces to buy a joint policy.

Compare policies

Get quotes from multiple insurers and see how they stack up against one another. Once you've found some policies in the right price range, compare their features to see what's covered and what's excluded.

Why you can trust Finder's travel insurance experts

We're experts

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We're here to help

Frequently asked questions, can a 90-year-old get travel insurance.

Yes. Travel insurance can insure people up to 99 years old. Insurers including Travel Insurance Saver, SCTI and Tick offer cover for people over 90. Many can also cover pre-existing medical conditions provided you disclose them to the insurer.

What's the maximum age for travel insurance?

It depends on the brand. Some insurers won't cover anyone over the age of 65, while others will consider those over the age of 100 – that includes Tick Travel , Travel Insurance Saver and SCTI .

Is travel insurance more expensive for over 80s?

Yes. After the age of 50, travel insurance tends to get more expensive as you get older. That's because the risk of a claim to the insurer is generally higher.

Can you get travel insurance with a pre-existing condition?

Yes, you can get travel insurance if you have a pre-existing medical condition . However, the level of cover differs between brands. Some will provide travel insurance but won't cover any incidents that occur from your pre-existing medical condition, while others will insure your pre-existing medical condition in exchange for higher premiums.

Are my children and grandchildren covered under my senior's policy?

If you have any dependant children or grandchildren travelling with you, most insurers will cover them free of charge. That's as long as they are under the age of 18 (in some cases 24), are out of full-time employment and are listed on your policy.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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• Travel Insurance

Travel Insurance for seniors

A little older, a little wiser.

Travelling in your 60s and beyond is a great way to enjoy your retirement

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

• Your belongings being lost, damaged or stolen
• Needing legal assistance while you’re away
• Travel delay

Choose from three levels of cover

Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

• Loss of medication
• To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing conditions  include:

• Heart disease

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a  GHIC  (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have  reciprocal health care agreements  with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can  explore the cost of medical treatment  in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the  Cruise upgrade  means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your  policy book  or  contact us  to clarify what you will and won’t be covered for.

Your questions answered

Is travel insurance more expensive for older people.

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Getting the most out of your trip, going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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