Over 85s travel insurance

Don't let your age or medical conditions hold you back!

Travel insurance with no upper age limit
Cover for medical conditions

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What they say

About us

"Holiday Insurance The agent was extremely helpful in their manner explained the insurance details in a clear way and was very professional and patient with me. Very pleased indeed"

Mrs S Hickey

"The staff were very helpful with all my questions and showed great patience with me. Can highly recommend them as it was lovely to speak to such obliging staff."

Mrs Brenda Appleby

"Easy to navigate and answer all medical questions, received confirmation very quickly."

Mrs Ann Mcguinness

"Very easy to fill in and reasonable quote, I forgot to enter my promotion code but sent an email to them and they sorted it for me"

VALERIE CLARK

Over 85 Travel Insurance

Travel insurance over 85

Travel insurance with no upper age limit

Need travel insurance over 85? Goodtogoinsurance.com specialises in travel insurance with no upper age limit.

We are proud to be able to provide single trip and annual travel insurance cover to travellers who are over 80, over 85 or even over 90.

Travel insurance over 85 - no age limits
Single trip & annual travel insurance
Three levels of travel insurance to choose from

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Travel insurance over 85

Cover and benefits for over 85s

Our travel insurance policies provide the following benefits to travellers over 85:

24 hour medical emergency support
Emergency medical expenses up to £10 million (including medical repatriation to the UK)
Loss of medication up to £300
Cancellation cover up to £5000 (Platinum policies)
Personal property up to £3000 (Platinum policies)
Three levels of travel insurance cover available
Covid Cover as Standard

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Over 900,000

Since 2010 we have insured over 900,000 travellers who may have had difficulty finding travel insurance due to their age or medical conditions, enabling them to take the holiday they wanted with the peace of mind that they are fully covered.

Travel insurance facts

Travel insurance over 85: Covering a pre-existing medical condition

Being over 85 doesn't stop you enjoying yourself and seeing the world, but it might mean that you are more likely to have a pre existing medical condition that you need your travel insurance to cover.

Goodtogoinsurance.com is proud to provide travel insurance to travellers over 85 with all sorts of medical conditions from asthma through to heart disease, cancer and mental health conditions. We can also cover your travelling companions on the same policy.

Cover for pre existing medical conditions
Up to a high level of severity and sometimes even a terminal prognosis
We can cover most cases of Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
In most cases cover can be provided to those still undergoing treatment e.g. chemotherapy or radiotherapy
Cover for mental health conditions

When you get a quote for over 85 travel insurance we will ask you a series of simple questions about your medical condition which will enable us to provide you with appropriate cover for your holiday - It's very easy and will only take a few minutes.

More information on travelling with medical conditions

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Why choose Goodtogoinsurance.com?

Goodtogoinsurance.com are speciailist travel insurance providers. Our policies are specifically designed to offer suitable cover for those over the age of 85.

Mobility aids & medication

All policies include cover for mobility aids and prescription medication.

Medical Conditions

Our policies can cover all types of pre-existing medical condition, up to a high level of severity.

24/7 Emergency Assistance

Our English speaking medical emergency assistance team are just a phone call away - wherever you are in the world.

On a waiting list

We can cover you when on a waiting list for treatment, so long as it is for a diagnosed condition.

Buy travel insurance as soon as you've booked your holiday

Travel insurance for over 85s: Our tips

Whether you are over 85 or not, it's important to buy your travel insurance as soon as you have booked your holiday so that you are covered for cancellation if you unable to travel. This also means that you have travel insurance cover in place in case a strike or industrial action is called which would affect your travel plans.

Compare the level of cancellation cover with the cost of your holiday. If you don't have enough cancellation cover you could be out of pocket if you need to cancel your holiday. Cancellation costs can be claimed when specific circumstances such as illness of you or a close relative, being called for Jury Service or redundancy mean you are unable to travel as planned. See policy wording for the full list of circumstances where cancellation costs are covered.

If you are buying annual travel insurance cover you should note that your cancellation cover starts from the 'start date' of your policy, not the date you purchase it. If you already have a holiday booked you should start your cover straight away.

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Choosing the right travel insurance product

Three types of travel insurance for over 85s

Single Trip

Our single trip travel insurance has no age limits, and is ideal for travellers with pre-existing medical conditions. It is designed to cover one holiday or trip, up to a maximum of 94 days in duration. In order to be valid your travel insurance must cover the whole of your trip, from when you depart the UK to when you land back in the UK.

Annual

Our annual travel insurance also has no age limits and can cover an unlimited number of holidays in one year; each trip can be up to a maximum of 31 days. Trips must start and end within the insured period to be covered. European and Worldwide annual travel insurance cover is available.

Cruise

Our cruise insurance policies provide the following benefits to travellers with medical conditions: Emergency medical expenses, including airlifting to hospital (if medically necessary). Flexible cancellation cover up to £10,000 per person and cover for cabin confinement, missed port departure, itinerary change, unused excursions and cruise interruption.

Our travel insurance cover for over 85s

Cover and benefits

We offer standard travel insurance as well as cruise insurance, both are available as single trip or annual policies and can cover all types of medical condition. You can toggle between standard and cruise to see all levels of cover.

All amounts stated are per person and per trip.

Cruise

Feature	SilverBasic Silver is our most economical travel insurance. It provides cover under the Medical and Mobility Aids sections only. If you want to be assured that your medical expenses are covered if you fall ill abroad, but are not worried about travel insurance cover for cancellation or your possessions, this is the policy for you.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Cancellation cover up to £1,000. There is an excess of £150 in the event of a claim.	GoldStandard Our best selling travel insurance. Gold cover provides Medical and Repatriation cover up to £10 million, as well as cover for Cancellation and Curtailment, Personal Possessions, Travel Delay and much more.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £10,000. There is an excess of £100 in the event of a claim.	PlatinumPremium Platinum provides our highest level of travel insurance cover. It provides the same level of Medical and Repatriation cover as our Silver and Gold policies, with increased cover for Cancellation and Personal Possessions. Plus there is no excess payable on Platinum policies.Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £15,000. There is an excess of £50 in the event of a claim.
Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)	£10 Million	£10 Million	£10 Million
Cancellation and Curtailment		£2000	£5000
Personal Possessions (Not Gadgets)		£2000	£3000
Excess The amount you will have to pay towards the cost of a claim.	£100	£75	NIL
Missed Departure		£500	£500
Personal Accident	£15,000	£15,000	£15,000
Personal Accident Under 18 and over 75 yr old limit	£1,500	£1,500	£1,500
Loss of Medication	£300	£300	£300
Mobility Aids	£2500	£2500	£2500
Personal Liability		£2 Million	£2 Million
Legal Expenses		£25,000	£25,000
Cancellation and Curtailment	£1000	Flexible (up to £10,000)	Flexible (up to £15,000)
Emergency Medical and Repatriation Expenses (Not private medical insurance)	£10 Million	£10 Million	£10 Million
Personal Possessions (Not gadgets)	£1000	£2000	£3000
Excess	£150	£95	£50
Missed Departure	£500	£750	£1000
Personal Accident	£25,000	£25,000	£25,000
Personal Accident Under 18 and over 75 year old limit	£1500	£1500	£1500
Loss of Medication	£300	£300	£300
Mobility Aids	£2500	£2500	£2500
Personal Liability	£2 Million	£2 Million	£2 Million
Legal Expenses	£25,000	£25,000	£25,000
Cabin Confinement	£50 for each full 24 hours up to £500	£50 for each full 24 hours up to £1000	£50 for each full 24 hours up to £2000
Missed Port Departure	£500	£750	£1000
Itinerary Change	£100	£250	£500
Unused Excursions	£25 for each full 24 hours up to £250	£25 for each full 24 hours up to £750	£50 for each full 24 hours up to £1500
Cruise Interruption	£250	£500	£1000

Silver Basic Cruise

Silver is our most economical travel insurance. It provides cover under the Medical and Mobility Aids sections only. If you want to be assured that your medical expenses are covered if you fall ill abroad, but are not worried about travel insurance cover for cancellation or your possessions, this is the policy for you. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Cancellation cover up to £1,000. There is an excess of £150 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Excess
The amount you will have to pay towards the cost of a claim.
£100
Personal Accident
£15,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500

Gold Standard Cruise

Our best selling travel insurance. Gold cover provides Medical and Repatriation cover up to £10 million, as well as cover for Cancellation and Curtailment, Personal Possessions, Travel Delay and much more. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £10,000. There is an excess of £100 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Cancellation and Curtailment
£2000
Personal Possessions
(Not Gadgets)
£2000
Excess
The amount you will have to pay towards the cost of a claim.
£75
Missed Departure
£500
Personal Accident
£15,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500
Personal Liability
£2 Million
Legal Expenses
£25,000

Platinum Premium Cruise

Platinum provides our highest level of travel insurance cover. It provides the same level of Medical and Repatriation cover as our Silver and Gold policies, with increased cover for Cancellation and Personal Possessions. Plus there is no excess payable on Platinum policies. Provides cover for cruise holidays, plus includes additional cruise related cover and benefits including Cabin Confinement, Missed Port Departure, Itinerary Change, Unused Excursions and Cruise Interruption. Choose your level of Cancellation cover, up to £15,000. There is an excess of £50 in the event of a claim.

What's included:

Emergency Medical and Repatriation Expenses
(Not Private Medical Insurance)
£10 Million
Cancellation and Curtailment
£5000
Personal Possessions
(Not Gadgets)
£3000
Excess
The amount you will have to pay towards the cost of a claim.
NIL
Missed Departure
£500
Personal Accident
£15,000
Personal Accident
Under 18 and over 75 yr old limit
£1,500
Loss of Medication
£300
Mobility Aids
£2500
Personal Liability
£2 Million
Legal Expenses
£25,000

Expert advice for over 85s

“if you have a condition which is a bit variable – like poorly controlled diabetes, or brittle asthma, then please speak to your GP or practice nurse before you go away. Ensure you speak to them well in advance – 6-8 weeks ideally. This will allow them to make any changes that you may need to help you whilst you are away.“

Dr Ruth Handford

Frequently asked questions

Travel insurance over 85

Our experts are here to answer your questions about travel insurance for over 85s

Good To Go Insurance over 85 travel insurance can provide cover in case you need to cancel your holiday, or you become unwell or injured on holiday.
Buying holiday insurance over 85 is easy with Good To Go Travel Insurance. First, get a quote on our website or by calling our customer service team on 0330 024 9949. Tell us your dates of travel, the countries you are visiting, and the details of all travelers to be covered.
We will ask you for details of any pre-existing medical conditions, so please make sure you answer these questions accurately and honestly. We will give you a quote straight away, then you will have the chance to choose additional cover if needed. Once you have bought a policy, documents will be sent to you.
Keep those documents with you when you travel. Emergency assistance and claims contact details will be in these documents. If you become unwell or injured on holiday, our 24/7 emergency medical assistance team will be available by phone to help you get the care you need.
As Martin Lewis of Money Saving Expert recommends, whether you are over 85 or not, it's important to buy your travel insurance as soon as you have booked your holiday. This ensures that you are covered for cancellation if you are unable to travel due to illness or injury. This also means that you have travel insurance cover in place in case a strike or industrial action is called which would affect your travel plans.
Travel insurance for 85 and above is available for single trips and cruise holidays in Europe and worldwide. Goodtogoinsurance.com also offer annual travel insurance for the over 85s, which can cover you for multiple trips over 12 months.
The cost of over 85s travel insurance is affected by where you are going, how long you are going for, and any pre-existing medical conditions you might have. Get a quote here to find out exactly how much your cover will cost.
Good To Go Insurance can cover travellers of all ages, so if you’re looking for travel insurance for over 70s, over 80s or even over 90s we could be able to cover you, even with most pre-existing medical conditions.
Holiday insurance over 85 can be more expensive. Unfortunately many of us develop medical problems as we get older, which can increase the price of cover. At Good To Go Insurance we believe the best travel insurance for seniors over 85 is cover that fully meets your individual needs.
Make sure you have provided full details of any pre-existing medical conditions, trip dates and destinations. Check that the cancellation cover on your policy covers the cost of your holiday, and buy travel insurance as soon as you book your holiday. If you are going on a cruise, playing golf or enjoying exciting activities like hot air balloon trips or a camel ride, make sure you select the options you need.
Yes! Goodtogoinsurance offer individual, couple, family and group policies, that provide cover for all ages and most pre existing health conditions.
If you are traveling to Europe, you do need a GHIC card. You can apply for one to prove your right to access state provided healthcare during a temporary stay in the EU. The GHIC is free of charge and can be obtained via the NHS website.
When there is a reciprocal health agreement in place, such as the GHIC within Europe, you may get healthcare at the same cost as a local (which may or may not be free of charge), but it won’t cover your costs if you need to stay longer or require alternative transport home.
That’s where over 85 travel insurance and repatriation cover comes in. Without it you would either have to foot the bill yourself or stay overseas until you are well enough to return home on a standard flight.
Repatriation can mean varying degrees of support and assistance for your return journey, as deemed medically necessary, including:
- Arranging and paying for an alternative flight because you missed your pre-booked flight due to receiving medical treatment.
- Organising more than one seat on a plane because you are required to keep your leg raised or lay flat. Providing a stretcher if you are required to lay flat.
- Providing a medical escort to monitor your condition throughout your journey.
- Providing an air ambulance to get you back to a hospital in the UK.
- We have a medical team who are experienced in aviation medicine, they will advise on both the timing and method of repatriation which is best suited to your individual needs and your recovery. Remember, coming home straight away is not always an option even if you are considered ‘fit to fly’ by the treating doctor. If you do need to stay overseas for longer due to receiving emergency medical treatment our travel insurance policies also cover additional travel and accommodation costs for you and any one other person who is required for medical reasons to stay with you.
Yes! Over 85 travel insurance from Goodtogoinsurance.com can cover most pre-existing conditions, with no age limits. You will be asked to declare your pre-existing medical conditions when you get a quotation .
If the answer to any part of the following question is "yes", then there is a pre-existing medical condition and you must declare the relevant condition(s) when purchasing your travel insurance:
Have you or anyone in your party
- been prescribed medication, or received treatment or attended a medical practitioner's surgery in the last 2 years
  attended a hospital or clinic as an out-patient or in-patient in the last two years
- been currently put on a waiting list for treatment or investigation
- been diagnosed by a medical practitioner as suffering from a terminal illness
- ever had any stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental illness for which you have been treated or diagnosed.
More information about pre existing medical conditions
The best travel insurance for over eighty fives is the insurance that meets your unique needs. When you get a quote, make sure you answer all questions accurately and honestly so that we can provide the right cover for you.
Goodtogoinsurance offers cover for worldwide travel.

Customer testimonial

"Very easy to get your insurance online. Quote given and booked in a few minutes. Price was a no brainer. Much cheaper than silly quotes from similar companies as I’m over 70yrs old."

Customer testimonial

"An easy and straightforward website ! For an oldie who doesn't like technology ! Holiday insurance was done in 5 minutes!"

Emergency assistance: Customer testimonial

"I have written to Zeneb thanking her for helping repatriate my mother. She was fantastic. I also thank the team at Global Response for helping."

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Travel insurance for over 85s

Get an over 85s travel insurance quote for your next holiday ¶

It should only take a few minutes to get a travel insurance quote and we can issue cover immediately. Simply tell us your destination, travel dates and declare your medical history.

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