Travelling is a lifelong passion. Age should never limit it.
Taking out travel insurance should be a priority if you're over 80, so something disrupting your plans doesn't leave you exposed. We understand the unique needs of travellers over 80, providing peace of mind at every step.
What does travel insurance for over 80s cover?
Completely protected for every eventuality, so travel stays about the adventure, not the anxiety.
Medical cover & expenses
Wide-ranging cover against unexpected illnesses or injuries, including pre-existing medical conditions subject to policy terms.
Holiday cancellation
Cover for trip cancellations due to most unforeseen circumstances, providing reimbursement for non-refundable expenses.
Lost baggage & belongings
Safeguards your baggage and personal items against loss, theft, or damage.
24/7 assistance
Round-the-clock support, with immediate help whenever and wherever you need it.
Travelling with a partner or friend? Joint cover can work out cheaper than two individual policies.
Get a Travel Insurance QuoteWhat isn't covered?
This will depend on your provider and policy, but typically excludes the following — not an exhaustive list, so always check your policy carefully.
- Undeclared medical conditions — full disclosure is essential for the best cover in a medical emergency.
- Missed flights within your control — we cannot cover missed flights due to personal errors.
- Changing your mind — cancelling simply because you've changed your mind isn't covered.
- High-risk activities — let us know in advance; extra cover such as Winter Sports may be needed.
Why choose Brunel for travel insurance for over 80s
Specialised cover
Crafted to address the specific requirements of travellers over 80, covering medical emergencies, trip cancellations, and more.
Personalised support
Dedicated support to guide you through the process, answer your queries, and ensure you have the right cover.
Global protection
Extensive cover worldwide, whether planning a serene retreat or an adventurous journey across the globe.
Customer service
We always strive to provide the highest level of customer service, reflected in our client reviews.
Planning your policy
Cost factors
Price depends on where you're travelling, your age, medical history, and cover type. A higher excess can lower your premium.
Single trip vs. annual
Annual multi-trip cover can save money for multiple trips a year, though some providers limit annual policies over 80.
Where you're going
Destinations like the USA and Mexico can cost more due to higher healthcare costs — a worldwide policy covers you regardless.
Pre-existing conditions
Always disclose any pre-existing conditions — cover may cost more, but protects you if anything happens while abroad.
Do I need travel insurance for trips within the UK?
Yes — it's a good idea to take out travel insurance even for domestic trips. If anything went wrong, or you had to cancel hotels, train tickets, or domestic flights, you wouldn't be left out of pocket. It's easy to assume cover is only for going abroad, but the same protection applies closer to home.
Start your quote →Travel Insurance for Over 80s FAQs
Can I get Travel Insurance for a cruise at over 80?
Yes, specialist cruise insurance is available with Brunel Insurance. Many cruise operators insist on adequate cover before you board, and we can support you to arrange it. A cruise insurance policy is specially designed to cover risks like cabin confinement and missed ports.
Does over-80s holiday insurance include golf?
Policies can be extended to provide golf cover, which can include green fees and equipment.
Will I need to pass a medical test to get cover?
To qualify for travel insurance for over 80s with Brunel, travellers need to disclose any pre-existing medical conditions and may need to complete a medical questionnaire or provide medical details for adequate cover.
Can I customise my policy with additional coverage options?
Yes, Brunel offers policies with a variety of cover options for over 80s, allowing travellers to add specific cover such as cruises and winter sports.
Can I get cover for the over 80s with medical conditions?
Depending on the policy selected, cover for the over-80s might include pre-existing medical conditions. You must disclose any pre-existing conditions to ensure adequate cover, or you risk invalidating the policy — you may also need to complete a medical questionnaire.
Where can I go with a policy for over 80s?
Nothing stops you travelling the world if you're able and willing, though some parts of the world may need tailored policies. Most insurers won't cover you if you travel against Foreign, Commonwealth and Development Office advice — check the FCDO website and, if your destination is on the amber or red list, tell your insurer and seek specialist cover, which Brunel can access.
Is there a cut off age for Travel Insurance?
At Brunel we have access to insurers with no strict cut-off age for travel insurance, though some insurers won't insure travellers over certain ages. To have the best selection, it's best to use a specialist broker such as Brunel.
When is the best time to take out over-80s travel insurance?
We recommend taking out a policy as soon as your holiday is booked, so you're covered should the trip need to be cancelled for a reason specified in your policy wording.
Do I need Travel Insurance for domestic trips?
Yes, it's a good idea to take out travel insurance for over 80s even for trips within the UK. If anything went wrong, or you had to cancel hotels, train tickets, or domestic flights, you wouldn't be out of pocket.
How would I make a claim?
If you need to make a claim, get in touch with us today. We can help guide you through the process and ensure you're fully compensated should anything happen on your travels.
Don't let age limit your adventures.
Get your quote online in minutes, or call if you'd rather talk it through first.
Get a Travel Insurance Quote
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