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Travel insurance for over 80s can work in a similar way to regular travel insurance, but there are some important factors to consider. You can still find travel insurance when you're in your 80s, although it may be more difficult. Some travel insurance policies may have age limits or restrictions on coverage for pre-existing medical conditions, so it's important to read the policy wording carefully and disclose all medical conditions when applying. You can compare policies from multiple insurers with the tool below.
There is no age limit for Travel Insurance Saver's International Comprehensive policy. However, anyone 70 years or over is required to submit a medical declaration form.
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 and a $3,000 excess applies.
Note: This information was last updated January 2023
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.
3 Things to do when you're choosing a policy
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.
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.
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.
Why you can trust Finder's travel insurance experts
We're free
Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frequently asked questions
Yes. Travel insurance can insure people up to 99 years old. Insurers including Travel Insurance Saver, SCTI and Tick offer cover for people over 90. Many can also cover pre-existing medical conditions provided you disclose them to the insurer.
It depends on the brand. Some insurers won't cover anyone over the age of 65, while others will consider those over the age of 100 – that includes Tick Travel, Travel Insurance Saver and SCTI.
Yes. After the age of 50, travel insurance tends to get more expensive as you get older. That's because the risk of a claim to the insurer is generally higher.
Yes, you can get travel insurance if you have a pre-existing medical condition. However, the level of cover differs between brands. Some will provide travel insurance but won't cover any incidents that occur from your pre-existing medical condition, while others will insure your pre-existing medical condition in exchange for higher premiums.
If you have any dependant children or grandchildren travelling with you, most insurers will cover them free of charge. That's as long as they are under the age of 18 (in some cases 24), are out of full-time employment and are listed on your policy.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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