Why do I need over 80s travel insurance?

Travel insurance for people over 80 provides financial protection if something unexpected happens before or during your trip. Goodtogo can cover you if you need to cancel your holiday, or if you become ill or injured while travelling, ensuring you have support wherever you go.

How does travel insurance for over 80s work?

Arranging travel insurance over 80 is simple with goodtogo. You can get a quote online or speak to our customer service team on 0330 024 9949. We’ll ask for your travel dates, destinations, and the details of everyone who needs cover. You’ll also need to declare any pre-existing medical conditions. Accurate and honest answers ensure your policy meets your needs. Once your quote is ready, you can choose optional extras, such as cover for cruises or specific activities. After purchase, your policy documents will be sent to you and should be kept with you while travelling. These include 24/7 emergency assistance and claims contact details, so help is always just a phone call away.

When should I buy travel insurance for the over 80s?

Experts, including Martin Lewis from Money Saving Expert, advise buying travel insurance as soon as your holiday is booked. This applies to travellers of all ages. Early purchase protects you if illness or injury prevents you from travelling and ensures you have cover if unknown strikes or other disruptions affect your plans.

What types of travel insurance do you offer for the over 80s?

Goodtogo offers single-trip and cruise travel insurance for those aged 80 and over, covering destinations in Europe and worldwide. Annual travel insurance is also available, providing cover for multiple trips over a 12-month period.

How much is over 80s travel insurance?

The cost depends on your destination, length of trip, and any declared medical conditions. For an exact price, request a personalised quote online.

Is there an upper age limit on travel insurance?

There is no upper age limit. We can provide cover for travellers over 85, even over 90, including those with pre-existing medical conditions.

Why is holiday insurance more expensive for over 80s?

Insurance for older travellers can be more expensive because the likelihood of medical conditions increases with age. The best travel insurance for over 80s is cover that matches your individual requirements. Provide accurate details of your health, travel dates, and destinations. Check that cancellation cover matches the full cost of your trip, and purchase your policy as soon as your holiday is booked. If you’re taking part in activities such as cruising, golfing, hot air ballooning, or camel riding, select the options you need for full protection.

Can I include travel companions on my policy?

Yes. Policies are available for individuals, couples, families, and groups. Travellers of different ages and most pre-existing conditions can be included.

Can I get travel insurance if I’m over 80?

Yes! Goodtogo offers travel insurance with no age limits and can cover most pre-existing health conditions.

Do I need a GHIC card?

If you are travelling to Europe, we recommend carrying a Global Health Insurance Card (GHIC). It gives you access to state-provided healthcare during temporary stays. GHIC cards are free via the official NHS website.

Do I need over 80 travel insurance if I have a GHIC?

A GHIC may allow you to receive treatment at local rates, but it does not cover extended stays, alternative transport home, or medical repatriation. Travel insurance for over 80s provides this additional protection. Without it, you could face high costs or need to stay abroad until you are fit to return on a standard flight. Repatriation can include: - Paying for replacement flights if treatment delays your return - Arranging extra seating or a stretcher if medically necessary - Providing a medical escort for monitoring during travel - Organising an air ambulance to a UK hospital if required Our aviation medicine specialists advise on the safest timing and method of return. Sometimes, immediate travel is not possible, even if you are classed as fit to fly. If you need to stay abroad longer for emergency treatment, our policies also cover extra travel and accommodation costs for you and one companion required for medical reasons.

Can I get over 80 travel insurance with medical conditions?

Yes. Good To Go Insurance can provide travel insurance for over 80s with a wide range of pre-existing medical conditions. There is no upper age limit. All conditions must be declared when requesting a quote.

What counts as a pre-existing medical condition?

A condition is pre-existing if you or anyone travelling with you answers “yes” to any of the following: - Having prescribed medication, treatment, or doctor visits in the last 2 years - Attended hospital or clinic as an inpatient or outpatient in the last 2 years - Are currently awaiting medical tests, investigations, or treatment - Been diagnosed with a terminal illness - Been diagnosed or treated for a mental health condition, including stress, anxiety, depression, eating disorders, or drug/alcohol misuse

How can I get the best travel insurance for over 80s?

The best policy is one tailored to your individual needs. Provide accurate and complete information when requesting a quote so we can ensure your cover fully protects you.

What countries does over 80s travel insurance cover?

Goodtogo offers travel insurance for the over-80s with worldwide cover, for FCDO approved countries, giving you peace of mind wherever you travel.

Over 80s Travel Insurance

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

No upper age limit on our travel insurance for over 80s
Cover for pre-existing medical conditions
Rated 5 stars by Defaqto experts for Platinum cover

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Reviewed by

Tracey Culwick

Travel Insurance Expert

Date posted

January 6th 2025

Last updated

May 28th 2026

What they say

About us

"Website easy to use. Good price for single trip travel insurance for man of my age (80). Excellent customer service when clarifying policy issues before purchase."

M Perrett

"Very helpful and kept it simple. As I'm 82 I find it harder to understand modern shopping. He was very polite and not pushy. Would use you again"

A Eastwood

"Easy to use website and good value insurance for two older travellers."

B Bettridge

"Used a compare site for holiday insurance for an elderly relation with several health issues related to her age. This one came up as the best value for the cover we needed."

C Masters

Best Travel Insurance for Over 80s

Travel insurance over 80: cover with no age limits

Finding the best travel insurance for over-80s shouldn't mean paying over the odds or being turned away simply because of your age. Goodtogo specialises in travel insurance over 80 with no upper age limit, so whether you're 80, 90 or beyond, your birthday won't stand between you and your next holiday.

Our single-trip and annual policies are designed for older travellers, with cover for a wide range of pre-existing medical conditions. We know how hard it can be to find travel insurance for over 80s with mainstream insurers - that's the gap we set out to fill.

Travel insurance over 80 with no upper age limit

Single trip and annual travel insurance over 80 available

Pre-existing medical conditions can be covered

Three levels of cover, so you only pay for what you need

Get a quote

Travel insurance over 80

What is covered:

Our travel insurance policies provide the following benefits to travellers over 80:

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

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Single Trip & Annual

Single trip and annual travel insurance for over 80s ¶

Our single-trip travel insurance for over 80s covers one holiday of up to 94 days, ideal for a longer retirement getaway or a short break. Our annual travel insurance for ages 80 and over has no age limits either, covering an unlimited number of trips per year, each up to 31 days. Both options can include cover for pre-existing medical conditions, so age and health needn't limit how - or how often - you travel.

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1,169,964

Since 2010 we have insured over 1,169,964 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 80: Cover for medical conditions

Goodtogo is proud to provide travel insurance to travellers over 80 with all types 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. In many cases, we're able to offer some of the best travel insurance for over-80s with complex medical histories because our screening considers your current health, not just your age.

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 travel insurance over 80, we'll ask a short series of simple questions about your medical condition to make sure you get appropriate cover. It only takes a few minutes.

More information on travelling with medical conditions

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Why choose goodtogo?

Goodtogo are specialist travel insurance providers. Our policies are specifically designed to offer suitable cover for those over the age of 80.

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 conditions, 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 while you are on a waiting list for treatment, so long as it is for a diagnosed condition.

Top over 80s travel insurance tip

Get the right level of cancellation cover

Think about the cost of your holiday. Make sure that the cancellation cover provided by your travel insurance policy is enough to cover the cost of your holiday, so that you can make a claim to recoup the cost if you need to cancel your holiday due to illness before you depart.

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.

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Travel continues to be an important part of life at every stage. For those in their 80s, having the right reassurance can make all the difference, whether that's trusted guidance, a friendly voice at the end of the phone or support that recognises individual health needs.

Graeme McKenzie - Our UK Mature Consumer Communication expert

Choosing the right travel insurance product

Three types of travel insurance for over 80s

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, with a maximum duration of 94 days. To be valid, your travel insurance must cover your entire trip, from your departure from the UK to your return to 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 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 a hospital (if medically necessary). Flexible cancellation cover up to £10,000 per person, plus cover for cabin confinement, missed port departure, itinerary change, unused excursions, and cruise interruption.

Our travel insurance cover for over 80s

Over 80 travel insurance: Cover and benefits

We offer standard travel insurance as well as cruise insurance for travellers over 80, 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	£20,000	£20,000
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
£20,000
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
£20,000
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

Frequently asked questions

Travel insurance over 80 FAQs

Our experts are here to answer your questions about travel insurance for over 80s

Travel insurance for people over 80 provides financial protection if something unexpected happens before or during your trip. Goodtogo can cover you if you need to cancel your holiday, or if you become ill or injured while travelling, ensuring you have support wherever you go.
Arranging travel insurance over 80 is simple with goodtogo. You can get a quote online or speak to our customer service team on 0330 024 9949. We’ll ask for your travel dates, destinations, and the details of everyone who needs cover.
You’ll also need to declare any pre-existing medical conditions. Accurate and honest answers ensure your policy meets your needs. Once your quote is ready, you can choose optional extras, such as cover for cruises or specific activities. After purchase, your policy documents will be sent to you and should be kept with you while travelling. These include 24/7 emergency assistance and claims contact details, so help is always just a phone call away.
Experts, including Martin Lewis from Money Saving Expert, advise buying travel insurance as soon as your holiday is booked. This applies to travellers of all ages. Early purchase protects you if illness or injury prevents you from travelling and ensures you have cover if unknown strikes or other disruptions affect your plans.
Goodtogo offers single-trip and cruise travel insurance for those aged 80 and over, covering destinations in Europe and worldwide. Annual travel insurance is also available, providing cover for multiple trips over a 12-month period.
The cost depends on your destination, length of trip, and any declared medical conditions. For an exact price, request a personalised quote online.
There is no upper age limit. We can provide cover for travellers over 85, even over 90, including those with pre-existing medical conditions.
Insurance for older travellers can be more expensive because the likelihood of medical conditions increases with age. The best travel insurance for over 80s is cover that matches your individual requirements. Provide accurate details of your health, travel dates, and destinations. Check that cancellation cover matches the full cost of your trip, and purchase your policy as soon as your holiday is booked. If you’re taking part in activities such as cruising, golfing, hot air ballooning, or camel riding, select the options you need for full protection.
Yes. Policies are available for individuals, couples, families, and groups. Travellers of different ages and most pre-existing conditions can be included.
Yes! Goodtogo offers travel insurance with no age limits and can cover most pre-existing health conditions.
If you are travelling to Europe, we recommend carrying a Global Health Insurance Card (GHIC). It gives you access to state-provided healthcare during temporary stays. GHIC cards are free via the official NHS website.
A GHIC may allow you to receive treatment at local rates, but it does not cover extended stays, alternative transport home, or medical repatriation. Travel insurance for over 80s provides this additional protection. Without it, you could face high costs or need to stay abroad until you are fit to return on a standard flight.
Repatriation can include:
- Paying for replacement flights if treatment delays your return
- Arranging extra seating or a stretcher if medically necessary
- Providing a medical escort for monitoring during travel
- Organising an air ambulance to a UK hospital if required
Our aviation medicine specialists advise on the safest timing and method of return. Sometimes, immediate travel is not possible, even if you are classed as fit to fly. If you need to stay abroad longer for emergency treatment, our policies also cover extra travel and accommodation costs for you and one companion required for medical reasons.
Yes. Good To Go Insurance can provide travel insurance for over 80s with a wide range of pre-existing medical conditions. There is no upper age limit. All conditions must be declared when requesting a quote.
A condition is pre-existing if you or anyone travelling with you answers “yes” to any of the following:
- Having prescribed medication, treatment, or doctor visits in the last 2 years
- Attended hospital or clinic as an inpatient or outpatient in the last 2 years
- Are currently awaiting medical tests, investigations, or treatment
- Been diagnosed with a terminal illness
- Been diagnosed or treated for a mental health condition, including stress, anxiety, depression, eating disorders, or drug/alcohol misuse
The best policy is one tailored to your individual needs. Provide accurate and complete information when requesting a quote so we can ensure your cover fully protects you.
Goodtogo offers travel insurance for the over-80s with worldwide cover, for FCDO approved countries, giving you peace of mind wherever you 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 80s

Get an over 80s 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.

Get Quote