Written by, Marija Petkova
Updated September, 20, 2022
Travel insurance for over 80 with medical conditions is a must-have for seniors who want to enjoy their golden years by exploring the world.
In this article, we’ll explain everything you need to know about travel insurance for seniors– including why you need it and what’s included in it.
Let’s dive in.
Over 80 travel insurance with medical conditions is a type of policy that provides cover for seniors – including those older than 80 (and sometimes 90)– who have pre-existing medical conditions.
A pre-existing medical condition is a condition that you had before the start of your cover. It can be a condition:
Travel insurance providers usually offer cover for the following medical conditions:
Looking for the best travel insurance for people over 70? See our picks for the top 11 travel insurance for seniors.
You should start looking for a good travel insurance policy as soon as you start planning your trip.
It might take you some time to find the right insurer, and even if you immediately find an insurance provider, it’s best to shop around for affordable quotes before you settle on a deal.
Most insurance companies will require you to disclose any existing medical conditions at the time of purchase, and some may ask you to take a medical exam.
Did you know: Brits took 93.1 million visits abroad a year before the COVID pandemic!
Over 80 travel insurance coverage varies from one provider to another; however, most of them offer protection for:
Insurance providers have a few exceptions when it comes to travel insurance coverage. The most common exclusions are:
Holiday insurance for over 80s is more expensive, especially if you have pre-existing medical conditions.
This is because the insurer needs to compensate for the risk they’re taking to insure you since you’re statistically more likely to make a claim, and your medical bills can easily rack up compared to someone who’s younger or doesn’t have any pre-existing medical conditions.
You’ll also have to pay more if you want extra coverage for something that’s not included by default, such as a gadget cover.
Insurers typically offer two different destination plans in their travel insurance policies:
All insurance providers offer single-trip and multi-trip policies.
Multi-trip policies offer coverage for an unlimited number of trips in a year, up to a certain number of days. They often work out cheaper than the single-trip policies for frequent travellers.
When shopping around for travel insurance for the elderly over 80, here are some of the things you should consider:
Finding good travel insurance for over 80 with medical conditions can be challenging, but it’s not impossible. Many insurers offer coverage for people in the later stages of life, which cover thousands of medical conditions and different cover levels to match your budget and your needs.
My name is Marija, and I'm a financial writer at DontDisappointMe. Although finance might not be everyone's cup of tea, my 10+ years of working in one of the biggest banks in my country, and my interest in extensive research on everything finance/investment-related, have made me somewhat of an expert in the field (if I do say so myself). No longer having the passion to work in a corporate setting, I decided that I couldn't let all of this knowledge go to waste so I started writing. And, here I am! Today I try to share my knowledge with my audience in the hopes of making this topic as simple and interesting as possible. In my leisure time, I like spending time with my family and travelling to new locations.