Travel is for everyone. If you’re taking a trip in your later years, you’ll want to help cover yourself against the costs of medical assistance, baggage going missing and more, just like anyone else would.
Travel insurance can help you with that. Whether you’re booking a holiday for yourself or helping a loved one, you can find a policy suited to what you need.
In this guide:
Absolutely. Travel insurance for over eighties is available from Post Office. Not all insurers provide cover at this age, and some have upper age limits on specific conditions. At Post Office, we consider all pre-existing medical conditions, though premiums may be higher for certain health issues.
If we’re not able to offer you a policy, we’ll direct you to a specialist provider for people with health conditions. But it’s important to note that it’s not all about your age and health. Eligibility also depends on where you’re going, how long you’re going for and what you’re planning to do on your trip. Providing full and accurate information about your health is essential to ensure the policy meets your needs. This includes any ongoing illnesses, medications, or recent hospital visits. Any withheld information will result in your policy being invalid.
You can get a quote online here, or call us on 0330 123 36901
The cost of travel insurance for over 80s will depend on where you’re going, what you’re doing and whether you have pre-existing health conditions. If you’re planning on a few months snowboarding in Japan, it’s going to be more expensive than a week in the Canary Islands.
Travel insurance tends to be more expensive in your later years as the risk of medical emergencies increases. Insurers therefore need to increase their premiums to cover this risk. While policies usually cost more than for someone in their 30s, the costs of medical procedures abroad or replacing lost luggage is often considerably higher.
If you’re curious about how much it would cost, you can get a quote from Post Office Travel Insurance online. You just need to answer some questions.
You can get cover for the following events. Be sure to check your policy wording for everything that’s covered and the limits that apply.
You can also add on a range of extras including trip disruption cover, gadget cover and an excess waiver.
If you’re going on a cruise holiday, you’ll most likely need specific cruise travel insurance. This isn’t just a requirement for over 80s. Most cruise providers make cruise cover a necessity before you can board the ship.
Cruises carry their own particular risks separate from other holidays, such as itinerary changes, missed ports and shipboard medical emergencies. Cruise cover helps protect you against issues like these and more. With Post Office Travel Insurance, you can include cruise cover on your policy as an additional extra.
Having a pre-existing medical condition doesn’t automatically disqualify you from Post Office Travel Insurance if you’re over 80. When applying, you'll be asked to provide details such as:
Pre-existing medical conditions can increase the price of premiums, but it’s important to be as transparent as possible when taking out a policy. If you haven’t disclosed medical information, your policy will be invalid. This will mean you’ve paid for a policy you then can’t use, and you will need to cover any medical costs yourself.
Post Office travel insurance gives travellers in their 80s the confidence to explore without worry. Here’s what makes us a trusted choice:
Get a travel insurance quote and enjoy reliable protection on every trip.
Fill out our online form and create a policy which works for you and your dream trip. You can also call us on 0330 123 13871 if you’d prefer to speak to someone on the phone.
Travel insurance for over 80s is usually more expensive due to higher medical risk. However, premiums also vary by trip length, destination, and current health status. Getting a quote is the easiest way to find out how much travel insurance will cost. You can do it online by filling out a form.
Most travel insurance for over 80s policies do not require a medical test, but full disclosure of pre-existing conditions is needed. Some conditions may affect premiums or exclusions, so honesty ensures valid cover and smooth claims.
1Customer services 0330 123 3690, Mon to Fri: 8:30am - 6:30pm, Sat: 9am - 5:30pm and Sun: Closed
2Post Office has won the following awards:
• Post Office won a “Best Travel Insurance Provider” award at the Your Money Awards in 2021, 2022, 2023, and 2025
• Post Office won a ‘Best Travel Insurance Provider’ award at the MoneyFacts Awards in 2024 and 2025
3Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to three separate medical events per person listed on the policy, and up to three appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home
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