Travel Insurance for Over 80s
Over 80? Not a problem.
We can cover travellers in their 80s, including those with pre-existing medical conditions.
- 24-hour emergency medical support
Reviewed by: Sarah Findlay Travel Insurance Expert
Last updated: 14 July, 2026
Read time: 7 minutes
Awards & Accreditations
Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.
What they say About us
Comprehensive travel insurance for over 80s
At Total Travel Protection we believe that age is just a number, and whatever that number, it shouldn’t stop you enjoying a holiday abroad.
We specialise in providing comprehensive over 80s travel insurance tailored to your specific needs. Whether you’re planning a relaxing weekend break in the UK, a long-awaited family cruise or overseas holiday in the sun, we make it our business to ensure you can travel with absolute peace of mind.
- No Upper Age Limits: From age 80 to 100+, we have no age restrictions on our policies.
- All Medical Conditions Welcomed: We can provide coverage for a wide range of pre-existing health conditions.
- Flexible Policy Types: Choose from single trip protection or annual multi-trip cover.
Specialist cover for pre-existing medical conditions over 80
It’s a fact of life that by the time we reach the grand age of 80 we might have a few ongoing medical conditions, but that shouldn’t stop us enjoying a holiday abroad or in the UK.
Our travel insurance for over 80s with medical conditions is designed to cover a vast range of chronic, minor, and serious illnesses, including:
- Cardiovascular conditions (High blood pressure, high cholesterol, heart disease, stroke)
- Respiratory conditions (Asthma, COPD)
- Chronic illnesses (Diabetes, arthritis, osteoporosis)
- Cancer (Current treatment, secondary cover, or in remission)
Getting a quote is simple and stress-free. Our confidential online medical screening takes just a few minutes, or you can speak directly to our friendly team over the phone.
Need a hand with your medical screening? Call our team directly on 0330 053 3747 to set up your policy.
Why Choose Total Travel Protection for Over 80s travel Insurance?
All of our standard policies are suitable for the over 80s. Your policy will be tailored to cover you, your holiday, and any medical conditions that you may have.
When you choose our over 80’s travel insurance, you benefit from:
- Up to £10 Million Emergency Medical Cover: Including emergency medical expenses and repatriation (getting you back home safely to the UK).
- 24/7 Medical Assistance helpline: Access to a dedicated emergency medical team, available by phone 365 days a year, wherever you are in the world.
- Cancellation Cover (Gold & Platinum policies): Protection if you need to cancel or cut your holiday short due to illness or an unexpected flare-up.
- Mobility Aid & Gadget Protection: Optional add-ons to ensure wheelchairs, walking frames, and tablets/phones are fully insured.
Knowing you have the right holiday insurance for over 80s allows you to relax, unwind, and truly enjoy your getaway.
Buy online
Instant travel insurance cover is available through our website, 24 hours a day, 365 days a year. Our complete range of holiday insurance for over 80s, including full medical screening, is available online, so you can get a quote and instant cover at a time that suits you.
Over 80s cover by phone
If would prefer to talk to someone about your travel insurance requirements, one of our team of experts will be delighted to help you.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
Over 80s single trip insurance
Our single trip polices for over 80s can cover an individual holiday or trip abroad up to a maximum of 94 days in duration.
We can cover any destination in the world, so long as the Foreign, Commonwealth and Development Office is not advising against non-essential travel.
Travel insurance for cruise holidays
When you get a quote for travel insurance with us you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
• Cabin confinement cover
• Missed port departure protection
• Itinerary change compensation
• Unused excursions reimbursement
• Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
What does travel insurance cover?
Total Travel Protection offers several levels of travel insurance to match different needs and budgets. Our cover options include Silver, Gold and Platinum plans, each offering varying levels of protection.
Swipe the table left/right to compare cover levels
Silver
| Gold
| Platinum
| |
|---|---|---|---|
|
Emergency medical and repatriation expenses
(not private medical insurance) | £5 million | £7.5 million | £10 million |
| Cancellation and curtailment | £3,000 | £6,000 | |
|
Personal possessions
(not gadgets) | £2,000 | £3,000 | |
| Missed departure | £500 | £1,000 | |
| Loss of medication | £300 | £300 | £300 |
| Mobility aids | £2,500 | £2,500 | £2,500 |
| Personal liability | £2 million | £2 million | |
| Legal expenses | £25,000 | £25,000 | |
|
Excess
(the amount you will have to pay towards the cost of a claim) |
£100 |
£75 |
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More
This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.
Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More
Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.
Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Travel insurance for over 80s – Frequently asked questions
No, we have no upper age limit on our travel insurance policies, so being over 80 will not be a barrier to obtaining cover, but do remember that it is important to declare all existing medical conditions to be properly covered before you travel.
Yes, absolutely. While we specialise in travel insurance for over 80s and medical conditions, our policies can cover travelling companions of all ages. We highly recommend insuring your entire holiday party on the same policy so that everyone is protected if the trip needs to be cancelled or cut short due to an unexpected medical emergency.
We can consider all types of pre-existing medical conditions. Our policies regularly cover chronic and common senior health conditions, including high blood pressure, heart disease, diabetes, arthritis, COPD, and cancer (including those currently undergoing treatment or in remission).
Our single-trip travel insurance has no upper age limit and can cover a single holiday for up to 94 days in duration. This makes it ideal for older travellers planning extended winter sun breaks or long family visits abroad.
Yes. We offer annual multi-trip policies with no upper age limit. This covers an unlimited number of holidays within a 12-month period, provided that each individual trip does not exceed 31 days.
Yes, we offer specialist cruise cover extensions for travellers over 80. This provides tailored protection for cruise-specific issues, such as emergency cabin confinement, missed port departures, and increased limits for emergency medical evacuation at sea.
Unlike many standard insurers, Total Travel Protection can often provide cover if you are currently on a waiting list for a diagnosed condition, as long as your prognosis is stable and meet our policy criteria. Please speak to our team or use our online medical screening tool for a tailored quote.
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