Finding the Best Over 65s Travel Insurance for UK Travellers

Shopping for travel insurance once you’re over 80 can seem daunting. Follow this guide for tips on finding the best over-80s travel insurance policies for UK travelers.

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Research Specialist Providers and Compare Quotes

The first step is thoroughly researching insurers specializing in travel insurance for the 80s. Companies like Age UK, Saga, and Staysure offer policies explicitly designed with mature travelers in mind. Visit their websites to check coverage details like emergency medical expenses, cancellation protection, lost baggage, and 24/7 emergency assistance. Compare premiums and excesses across the specialist providers to understand price ranges. Consider whether you need a single-trip or annual multi-trip cover based on your upcoming travel plans and frequency. Use comparison websites like Comparethemarket and MoneySuperMarket to easily view side-by-side quotes and coverage details from multiple insurers all in one place. Create shortlists of your top 2-3 choices across the specialist firms. Specialists of over 80 travel insurers understand the unique needs and considerations of mature travelers. Researching the options in this segment gives a solid starting point.
You should also check options from mainstream insurance providers like Direct Line, Aviva, and LV. Even if they aren’t specialists, big insurers can offer competitive premiums or additional policy benefits not seen with dedicated over-80s firms. For instance, LV= includes up to £10,000 cancellation cover and worldwide family travel insurance across over 80 products. Direct Line provides a ‘good health discount’ for travelers aged 80+ without pre-existing medical conditions. Always compare mainstream providers alongside the specialized options to find the overall best value. Carefully evaluate coverage to ensure any mainstream policy you consider has suitable emergency medical, repatriation, and other critical protections suited for the over-80s.

Analyse Medical Cover and Exclusions

A crucial element is analyzing how each potential over-80s travel insurance policy handles pre-existing medical conditions and emergency medical treatment abroad. This should be a dealbreaker factor in your decision-making. Check if your specific existing health conditions are automatically covered or require a medical screening process first. The best over-80s policies will cover most pre-existing conditions like diabetes, heart disease, high blood pressure, and arthritis without additional paperwork or screenings. This protects if any issues flare up while traveling. Avoid policies that outright exclude common conditions faced by over-80s or require extensive upfront medical checks.
Similarly, look at the limit amount for worldwide emergency medical cover and repatriation. Policies offering £2-5 million in overseas emergency medical benefits provide sufficient cover for expensive treatments, hospital stays, and ambulance transportation. Lower limits of around £1 million leave you vulnerable to high medical transfer or treatment costs. Repatriation coverage to safely return you home by air ambulance can also exceed £50,000 alone in severe cases. High emergency medical maximums give essential peace of mind that life-saving care is covered if you fall ill or get injured during trips abroad. This is crucial, as standard NHS reciprocal health agreements generally don’t apply for over 80s citizens traveling outside Europe. Don’t take chances with low medical cover limits.
Check if there are any specific exclusions around emergency medical situations like pre-existing chronic illnesses, cardiac conditions, or strokes. There may also be limitations for claims involving falls or injuries from activities like water sports or hiking, which are more probable over 80. The fewer exclusions, the better. For instance, some insurers may require declaring all pre-existing conditions upfront and then expressly exclude claims related to each disclosed state. Try to avoid too many blanket exclusions as they undermine the purpose of emergency medical cover when you may need it most.
In addition, look for policies providing basic COVID-19 medical coverage as standard. Many now include this after initially excluding coronavirus treatment. Avoid procedures still excluding medical claims or repatriation costs relating to COVID-19. While vaccination rates are high amongst the over 80s in the UK, continuing variants mean some risk remains. Basic COVID-19 coverage gives peace of mind when traveling internationally, where health systems and regulations differ.
Prioritizing policies with a robust medical and emergency cover suitable for over 80 reduces the hassle and financial risk if health issues arise overseas. Accepting weak medical protection to save on premiums is a false economy.

Evaluate Additional Benefits and Travel Scenarios

Beyond the core emergency medical cover, additional benefits can enhance specific travel experiences and provide further value. For instance, some over-80s policies include a personal safety alarm or monitoring service. These can summon urgent assistance by pushing a button if injured or in danger while traveling alone. Other insurers offer concierge services in your policy. These provide help booking taxis, theatre tickets, tour guides, and restaurant reservations while abroad. For active over 80 who enjoy winter sports, check for coverage add-ons like ski equipment hire, piste closure due to lack of snow, and delays from avalanches. Cruise ship travelers should seek cruise-specific protections like missed port departure, cabin confinement due to injury or illness, and unused excursions. While not essential, these extras add nice-to-have support and financial protection based on your trip plans.
Also, consider the types of trips you want to take and any associated risks. For instance, if planning extended 3-6 month holidays, check for insurers that cover longer single trip durations or have higher limits for annual multi-trip cover. Those wanting to travel globally to destinations like Australia, Asia, and the Americas should look for providers with worldwide geographical coverage, not just Europe. Over the 80s, still wanting to occasionally partake in active pursuits like golf, cycling, or hiking should ensure related equipment is covered and personal liability included. Factoring in these trip-specific scenarios allows you to assess if insurers can cater for your desired travels.

Control Costs and Check Financial Ratings

Once you’ve compared features and benefits, the final factors are ways to control costs and verify the financial security of insurers.
For starters, increasing your policy excess helps lower premiums. The lot is the initial amount you pay towards each claim. Standard over 80 policies often start with £50-£75 luxuries. However, you can voluntarily choose higher amounts like £100, £150, or £250 to reduce monthly or annual premium costs. Just be prepared to pay the total quantity excess if making any claim. Paying slightly more extra to save on premiums makes sense if you are unlikely to claim or only expect small claims. Ensure that insurers allow you to remove the excess specifically for medical emergencies or lost baggage – having no luxury for health crises maintains protection.
Another way to reduce costs for frequent travelers is to choose an annual multi-trip policy over a single-trip cover. This allows unlimited travel within the policy year, with individual trip durations ranging from 31-45 days typically. While multi-trip policies have higher upfront premiums, they avoid paying for multiple new procedures yearly. This is better if you take several short breaks or extended winter holidays annually. Just verify the maximum trip length allowed, as some policies set low limits unsuitable for long-haul snowbird trips. Multi-trip gives the flexibility to visit multiple destinations within an insured year.
Lastly, carefully check the financial protection ratings of any insurer before purchasing. Rating agencies like Standard & Poor assess an insurer’s financial strength and ability to pay claims. High ratings indicate greater security that claims will be promptly paid, even in rare cases where a firm goes bankrupt. For instance, Saga and Age UK policies have ‘A’ ratings from S&P, while Aviva and Direct Line have ‘A+,’ indicating excellent security. Also, verify that the insurer follows the ABI code of conduct, requiring fair policy interpretation and claim handling. Avoid start-ups with no ratings history. Picking a financially stable over-80s insurer reduces risk.


Finding the best value travel insurance for those over 80 takes research across specialist providers and mainstream insurers. Compare not just on premiums but, more importantly, the extent of emergency medical cover for pre-existing conditions. Look for policy benefits that support senior travelers—control costs with higher excesses or annual multi-trip cover. Before purchasing, check ratings so you pick a provider with a solid ability to pay claims. Follow these tips to secure tailored 80s travel insurance matching your health needs, destinations, and trip activities. The right policy brings peace of mind and financial protection for UK travelers venturing overseas later in life.

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