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Travel insurance for seniors over 80

Explore 9 brands that offer travel insurance for over 80s. This can include cover for pre-existing medical conditions, cruise holidays and COVID if they're listed in a policy.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

What you need to know

  • Many providers do offer travel insurance for over 80s. This can include COVID insurance and cover for pre-existing conditions.
  • Some insurers will exclude certain pre-existing medical conditions.
  • Be sure to disclose all relevant information about your medical history when you apply for insurance.

Getting travel insurance for over 80s doesn't have to be difficult. You may have to pay a higher premium to get the cover you want, but shopping around can help to keep costs down. Let's take a look.

What is travel insurance for over 80s?

As you get older, it can get increasingly difficult, and, generally more expensive, to find travel insurance. The good news? There are a number of providers who specialise in travel insurance for over 80s.

Depending on the policy you choose, you can get cover for pre-existing medical conditions, high limits for overseas medical expenses and cover for your essential items such as hearing aids and prescription glasses.

Compare over 80s travel insurance

BrandConditionsApply
1-cover-new1

1cover

1Cover provide cover regardless of age. However, anyone 80 years or over, cover is only available up to a maximum of 6 months per one journey.More info
AMEX Travel Insurance

American Express

Amex Travel insurance has various age limits:
  • Comprehensive: 89 years
  • Essential: 79 years
  • Basic: 30 years
  • Domestic: 79 years
More info
Budget Direct Travel Insurance

Budget Direct

Budget Direct Travel Insurance is available to permanent residents of Australia, up to 100 years of age.More info
Columbus Direct

Columbus Direct

To buy a Columbus Direct policy you must be under 85 years of age at the date of issue of the insurance.More info
Fast Cover

fastcover

Available to travellers up to 89 years of age.Get quote
InsureandGo

Insureandgo

If you are aged 100 or under you may purchase your travel insurance from InsureandGo.Get quote
Tick Travel Insurance

Tick Travel

Tick Travel Insurance only provide online quotes for travellers under the age of 100.Get quote
travel insurance saver logo

Travel Insurance Saver

Travel Insurance Saver is available to residents of Australia regardless of age. However, anyone 70 years or over is required to submit a medical declaration form. Note: Only available on the international comprehensive policy.More info
worldcare travel insurance logo

Worldcare

WorldCare Travel Insurance are unable to cover travellers who are aged 86 years and over at the date the policy is issued.More info

Travel insurance for over 80s with pre-existing medical conditions

Pre-existing medical conditions can make it more difficult to get affordable travel insurance. A pre-existing medical condition is one of the following:

  • An ongoing medical condition you have
  • A medical condition that is currently being (or has been) investigated or treated by a medical professional
  • If you take prescribed medicine, or have undergone surgery for a particular condition
  • Any condition for which you see a medical specialist.

Some insurers exclude coverage for any pre-existing medical condition in people over 80 years of age. Others attach a higher excess to policies. While some insurers allow you to take out cover for certain pre-existing conditions, further medical testing may be required and the cover may only be offered up to a lower limit.

3 Things to do when you're choosing a policy

medical examiner

1. Disclose all pre-existing conditions

Speak to the insurer's medical examiner and disclose all existing or known conditions. While this may raise your premium, the cost of a potential hospital stay would largely outweigh this small expense. Without full disclosure, you may not be covered if your insurer finds out that you have not been completely honest.

written evidence

2. Get written evidence

Make sure any cover that you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS. This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.

read PDS

3. Read the PDS.

Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.

Are there ways to find cheap travel insurance for over 80s?

Travel insurance for over 80s is typically more expensive than it is for younger people, to reflect the added risk of illness and injury for older travellers. But that doesn't mean you can't find cheap travel insurance for over 80s.

Here are 5 things you can do to save money on travel insurance:

  • Buy online. Airlines and travel agents usually add hefty commissions on top of the cost of a policy, so you can save money by shopping online and buying cover direct from an insurer.
  • Adjust your excess. Many insurers give you the option to edit your excess. By switching to a higher excess, you can get a lower premium. Of course, you’ll need to make sure you’ll be able to afford the excess if you do claim.
  • Look for discounts. There are often discounts, deals and special offers to help you save money on travel insurance. You could start by looking for online promo and coupon codes.
  • Buy a joint policy. Travelling with a friend or relative? Instead of purchasing separate travel insurance cover, save money by combining forces to buy a joint policy.
  • Compare policies.Get quotes from multiple insurers and see how they stack up against one another. Once you’ve found some policies in the right price range, compare their features to see what’s covered and what’s excluded.

Important to know. It's worth remembering that the cheapest travel insurance may not be the best option for you. In fact, comprehensive cover may be more suitable as you get older.

Optional extras when you're over 80

Travel insurers also offer optional cover that you can add to your policy if you're willing to pay an extra premium, they include:

  • Additional car hire excess cover. Most policies will provide a certain level of car hire excess cover as standard, protecting you against the expensive excess you’ll be liable to pay to the rental company if your hire car is stolen, vandalised or involved in an accident. However, some insurers will offer the choice of increasing your level of car rental excess cover (for example from $3,000 to $6,000) as an extra-cost option.
  • Additional specified items cover. All comprehensive travel insurance policies will provide cover for stolen and damaged personal belongings on your trip, but there’s usually a limit to the amount your insurer will pay out per item. This option allows you to increase the level of cover for specific high-value items, such as a laptop or camera.
  • Golf cover. Packing your golf clubs for your next big trip? You should consider adding golf cover to your policy so you can enjoy protection for loss, theft and damage of your golf equipment, as well as cover for expenses such as golf equipment hire and unused green fees.
  • Cruise cover. If your next holiday is a cruise, cruise travel insurance covers you for emergency medical transportation from your cruise ship to the nearest medical facility. It also pays benefits for cabin confinement, missed shore excursions, cruise delays, trip interruptions and more.
  • Snow sports cover. If you’re going skiing or snowboarding on your next trip, purchasing optional snow sports cover ensures that you’re covered for injuries sustained on the slopes, as well as for things like stolen or damaged ski equipment, piste closure and unused lift passes.

Compare quotes with optional extras

4 policy features to look out for

  • 1. Age limits. Some insurers refuse cover to anyone over 65 or 70 years of age, which makes it harder for people over 80 to find a suitable policy. However, remember that there are insurers who are willing and able to cater to your needs.
  • 2. Pre-existing conditions cover. As you get older, the chances of having a pre-existing condition increases. Most policies don't cover pre-existing conditions, so this will affect the kind of cover you can take out.
  • 3. Joint cover. Age limits imposed by insurers can complicate matters for couples looking for cover. While in the past you may have been able to take out joint cover, this may no longer be possible if one spouse is above the insurer's specified age limit.
  • 4. Cost of premiums. As you get older, insurers consider you to be at a higher a risk of falling ill or injuring your self. To compensate, they charge higher premiums, which makes travel insurance for over 80s generally more expensive.

Learn more about travel insurance for seniors

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Frequently asked questions

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    What you need to know about getting travel insurance when over 75 years of age.

  • Travel insurance for over 65s

    What is seniors travel insurance and why do I have to pay more than someone younger? What are pre-existing medical conditions and why won’t many insurers cover them? Find out the answers to these and other questions in this handy guide to travel insurance for over 65s.

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14 Responses

  1. Default Gravatar
    MonicaMay 20, 2017

    Is there a travel insurance for people with cancer

    • Avatarfinder Customer Care
      DeeMay 22, 2017Staff

      Hi Monica,

      Thanks for your question.

      Yes, some insurance companies provide cover for cancer patients. You may compare these insurance brands on our page about travel insurance for cancer patients.

      There’s a table on that page to help you compare your options. Once you have found the right one for you, you may then get in touch with your chosen provider to learn more about their exclusions or specific restrictions for customers who have pre-existing medical conditions.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Cheers,
      Anndy

  2. Default Gravatar
    stephenJanuary 22, 2017

    Iam going on a cruise for 13 days to vanuatu.as iam aged 88 and have a pacemaker and require travel insurance. how do i get a policy?

  3. Default Gravatar
    EdwardOctober 10, 2016

    I am 81 and my wife is 75. My wife has a pacemaker but no medication needed. I am in good health. We plan a trip to New Zealand in May 2017 from 3rd May until 21st May. What would be the cost of travel insurance?

    • Avatarfinder Customer Care
      MauriceOctober 10, 2016Staff

      Hi Edward,

      You’ve come to finder.com.au and we are a comparison service, not an insurer. If you would like to compare quotes for travel insurance you can fill out your details into the form at the top of the page. Once you hit “get quote” you will be taken to a results page where you can compare a price estimate and policy features.

      Note: If you have any pre-existing medical conditions you will need to inform your insurer. Depending on the insurer this may increase the cost of your policy.

      I hope this helps,

      Maurice

  4. Default Gravatar
    kenJune 10, 2015

    Can we get cover for cancellation for our cruise/trip in the event of a non-travelling parent – (90 yrs old with no serious pre-existing medical condition). Full payment of a substantial amount is required 60 days prior, therefore if they became seriously ill or died before we departed or during our 23 day trip to Can. /Alaska most policies would not pay a claim.

    • Avatarfinder Customer Care
      RichardJune 10, 2015Staff

      Hi Ken,

      Thanks for your question. There may be providers willing to offer you cover but generally cancellation cover of this type is for relatives under the age of 85. Unfortunately, many insurers don’t have this information readily available, so you’ll need to contact the insurers you’re interested in and ask them specifically.

      I hope this was helpful,
      Richard

  5. Default Gravatar
    DoreenMarch 9, 2015

    I am over 80 years old with no pre existing health problems and require health cover only to travel to Europe and Morocco. I will be away for 79 days.

    • Avatarfinder Customer Care
      RichardMarch 9, 2015Staff

      Hi Doreen,

      Thanks for your question.

      You may compare quotes from our travel insurance for over 80s by simply entering your travel details. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,
      Richard

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