Over 80 Travel Insurance

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Life begins at 80, right? When you’ve reached this golden age, you’ve amassed a wealth of knowledge, experience, and, most importantly, the time to explore this beautiful world.

But let’s get down to brass tacks: securing travel insurance when you’re over 80 can feel like a bit of a rollercoaster ride.

But fear not, we’re here to make it a breeze, so sit tight, and let’s unravel this over 80 travel insurance conundrum.

Why Over 80 Travel Insurance is Crucial

The freedom of retirement often brings the opportunity to travel more frequently or for longer durations. But as we age, the risk of unexpected health issues increases, making travel insurance more important than ever.

Plus, let’s not forget those unforeseen travel hiccups like cancellations, delays, lost baggage, and even emergencies back home that could cut your trip short.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Finding the Right Over 80 Travel Insurance

Navigating the travel insurance market can feel like finding a needle in a haystack, but hold your horses! You don’t have to settle for the first policy you come across.

A bit of due diligence can go a long way in finding the right coverage tailored to your needs.

Pre-existing Medical Conditions Coverage

Traveling the world in your 80s can be one of life’s greatest joys, but it can come with its own set of challenges. One of these challenges is managing pre-existing medical conditions and understanding how they impact your travel insurance coverage.

What is a Pre-existing Condition?

A pre-existing condition is any medical or health condition that existed before the start date of your travel insurance policy. This could be something you’ve received treatment for, taken medication for, or sought advice about.

Conditions could range from chronic diseases like heart disease, diabetes, and arthritis to mental health conditions like anxiety and depression.

In the context of travel insurance for those over 80, insurers consider these pre-existing conditions while evaluating the risk and the potential cost of insurance.

This is because older people are statistically more likely to need medical assistance while traveling abroad.

Declaring Your Pre-existing Conditions

Declaring your pre-existing conditions when applying for your travel insurance is a crucial step.

Honesty is the best policy here, folks. It might be tempting to omit a condition for fear of increasing the cost of your premium, but this could lead to a denied claim when you need help the most.

Be prepared to answer questions about your medical history, current treatments, and medications.

This may include specialist reports and details about hospital visits. Yes, it might take a bit of time and you may need to consult with your doctor, but it’s worth it to ensure you’re fully covered.

Coverage Options for Pre-existing Conditions

The coverage for pre-existing conditions varies greatly among insurers. Some may offer to cover your condition as part of their standard policy, particularly if your condition is under control and hasn’t required recent treatment.

Others may require an additional premium to cover the risk associated with your condition. In some cases, the insurer might exclude your condition from the coverage, meaning you wouldn’t be able to claim costs associated with it.

Travel insurance for those over 80 with pre-existing conditions may require a little more homework to find the best policy.

But remember, the peace of mind knowing you’re covered is worth its weight in gold. After all, you’re in your golden years, and your travels should reflect that.

Yes, it can be a pain to disclose your medical history, but it’s absolutely essential for your travel insurance application.

Full transparency can save you from denied claims and potential financial woes.

We promise it’s less painful than a dentist appointment.

Benefits and Limitations

Just like a good old spy movie, every travel insurance policy comes with its twists and turns.

Know your benefits inside and out, from medical and hospital costs to cancellation and curtailment. But also familiarize yourself with the limitations and exclusions, so there are no nasty surprises.

The Cost Factor

Cost is often a major consideration for those seeking travel insurance over 80. But remember, the cheapest policy might not provide adequate coverage.

It’s like buying a chocolate chip cookie only to find it’s raisin. Make sure your policy provides value for money and covers what you need.

The Best Travel Insurance Plans for Those Over 80

Finding the right travel insurance policy for those over 80 can be a bit like finding a needle in a haystack, but fear not, it’s out there.

The best plans not only cover the basics like trip cancellations, medical emergencies, and lost luggage, but also take into account the unique needs of the seasoned globetrotter.

Here are some recommended travel insurance plans ideal for the over 80 group:

1. VisitCover Senior

VisitCover Senior is a travel insurance policy designed specifically for those over 80.

With generous coverage for medical expenses, including those related to pre-existing conditions, this plan also offers protection for trip cancellations and delays, lost or delayed baggage, and more.

The customer service is top-notch, helping you navigate any obstacles that might crop up during your travels.

2. GlobeTrotter Platinum

GlobeTrotter Platinum is another robust policy providing high medical coverage limits.

It also includes coverage for emergency evacuations – a crucial consideration for those traveling to remote or exotic locations. GlobeTrotter has a solid reputation and a customer service team that goes the extra mile.

3. WanderWell Explorer

WanderWell Explorer offers comprehensive coverage for trip cancellations, medical emergencies, and baggage issues.

This policy stands out for its optional “cancel for any reason” upgrade, giving you the flexibility to change your travel plans without worrying about losing your investment.

4. AdventureShield Diamond

AdventureShield Diamond caters to the more adventurous souls who don’t let age slow them down. Alongside standard coverage, it includes protection for adventure activities, from hiking and biking to ziplining and snorkeling.

If your bucket list still has a few thrill-seeking entries, AdventureShield might be the one for you.

When choosing a travel insurance plan, consider your health, travel itinerary, and personal comfort level. It might be worth paying a bit extra for a comprehensive policy that gives you peace of mind and lets you focus on the fun stuff – experiencing the trip of a lifetime.


Q: Why is travel insurance for those over 80 often more expensive?

Travel insurance premiums rise with age because insurers see older travelers as a higher risk due to increased health issues and medical needs.

Q: Are there any travel insurance providers that specialize in over 80 travel insurance?

Yes, several travel insurance providers specialize in insurance for older travelers. Some may even provide coverage without an upper age limit.

Q: Can I still get travel insurance if I have pre-existing medical conditions?

Yes, but it might affect the cost of your premium, and not all conditions may be covered. Be sure to disclose all pre-existing conditions to your insurer.

Q: What happens if I fall ill abroad without travel insurance?

Without insurance, you could be responsible for any medical costs incurred. This could include everything from doctor visits to hospital stays, medication, and even medical evacuation.

Q: Can I get travel insurance for a single trip or do I need to buy an annual policy?

You can get coverage for a single trip or buy an annual policy, depending on your travel plans. An annual policy may be cost-effective if you plan to travel multiple times within a year