Skip to content
Back to Insurance
Go to insurance
Back to Insurance menu
Car insurance Existing car insurance customers
Car insurance guides
Motorhome insurance
Back to Insurance menu
Home insurance Existing home insurance customers
Home insurance guides
Landlord insurance Existing landlord insurance customers
Back to Insurance menu
Travel insurance
Existing travel insurance customers
Back to Insurance menu
Health insurance Existing customers
Switching provider
Compare healthplans
Back to Insurance menu
Pet insurance
Caravan insurance
Back to Insurance Menu
SOS Personal alarm
Back to Holidays
Go to holidays
Back to Holidays menu
Europe
Africa
Asia
Australasia
North America
South America
Caribbean
Back to Holidays menu
Group Tours
Hotel Holidays
Tailor-Made Travel
Other holidays
Back to Holidays menu
Holiday offers
Back to Holidays menu
Planning your holiday
Book with confidence
Travelling with us
Back to Cruises
Go to Cruises
Back to Cruise menu
Ocean cruise destinations
River cruise destinations
Cruises from UK
Back to Cruise menu
Ocean cruises
River cruises
Back to Cruise menu
Our cruise ships
The Saga cruise experience
Why cruise with Saga?
Our river cruise ships
The river cruise experience
Why river cruise with Saga?
Back to Cruise menu
Our blogs
Ocean cruise blogs
River cruise blogs
Back to Cruise menu
Cruise offers
Back to Cruise menu
Travel updates
Book with confidence
FAQs
Back to Saga Money
Go to Saga Money
Back to Saga Money
Equity release
Here to help
Useful articles
Back to Saga Money
Savings products
Existing customers
Useful guides
Wider reading
Back to Saga Money
Legal services
Useful articles
Back to Saga Money
Mortgages
Useful guides and help
Wider reading
Back to Saga Money
Investing
Useful guides and help
Back to Saga Money
Money news
Useful articles
Wider reading
Back to Saga Magazine
Go to magazine
Back to Magazine
Saga Magazine
Happy senior couple standing with arms around and looking at sea on beach

TRAVEL INSURANCE
FOR OVER 80s

Get a quote Retrieve a quote

Over 80s travel insurance cover

Are you planning to travel this year and looking for travel insurance for people over 80? Many insurers, including Saga, have no upper age limits, allowing older travellers to secure coverage, even for pre-existing medical conditions, and enjoy peace of mind during their journey.

For a comprehensive overview of over-80s travel insurance, check out our guide.

Can I get holiday insurance if I’m over 80?

Finding travel insurance when you’re over 80 can be challenging due to age limits set by some insurers. However, at Saga, we have no upper age limit, so you can obtain travel insurance even if you’re older than 80.

When applying for a policy, remember to declare any pre-existing medical conditions you may have. As long as you do, your policy will cover you if any of these conditions cause a medical emergency during your trip.

Examples of pre-existing medical conditions include:

  • Diabetes
  • Heart conditions (such as angina, high blood pressure and cholesterol)
  • Respiratory conditions (like asthma and COPD)
  • Mental health issues (including anxiety and depression)
  • Musculoskeletal problems affecting bones, muscles and joints
  • Chronic illnesses (such as cancer)
  • Neurological conditions (like strokes, epilepsy and multiple sclerosis)

What does travel insurance cover for over 80s?

Over-80s travel insurance isn’t a specialist type of insurance. Saga offers three types of travel insurance (Saga Essential, Saga Standard and Saga Plus). Over 80s can choose any of these policies, and things that are covered include:

  • Medical care: You’re covered for emergency medical treatment and bills on your travels. All pre-existing medical conditions are included if you declared them when obtaining your policy.
  • Repatriation: If you need to return to the UK due to a medical emergency, Saga’s over-80s travel insurance covers transport costs.
  • Cancellation cover: If you must cancel your holiday due to illness or family bereavement, costs are covered.
  • Coronavirus (COVID-19): Any disruptions or cancellations caused by coronavirus are covered.
  • Travel delays and missed connections: If something out of your control (e.g. severe weather) causes you to miss a flight or a connection, your policy covers any costs you have to pay.
  • Loss or damage to luggage or possessions: If your belongings, including any medication you travel with, are lost or damaged, the cost of replacing them is covered.

What isn’t covered in over-80s travel insurance?

When it comes to travel insurance for individuals over 80, there are certain exclusions you should be aware of. These include:

  • Changes to travel by choice: If you decide to change your holiday plans or cancel your trip voluntarily after the first 14 days of your policy purchase, over-80s travel insurance won’t cover you. However, cancellation cover can protect you if you need to change or cancel due to illness, injury or bereavement.
  • Missing your flight: If you miss your flight and it’s your fault, you won’t be eligible to claim.
  • Unattended luggage: Leaving your luggage unattended can result in loss or theft, and your insurance won't cover it.
  • Undeclared medical conditions: If you fail to disclose a pre-existing medical condition when arranging your policy, your insurance could be invalidated.
  • Sports and activities: While age shouldn’t limit your active lifestyle, regular policies may not cover high-risk activities during an active holiday. At Saga, we offer specialised Leisure Activities and Winter Sports cover for active over 80s seeking adventure.
  • Drugs and alcohol: Accidents occurring under the influence of drugs or alcohol are not covered.

 

This isn’t a complete list, and policy details can vary. Always read your policy thoroughly before travelling so you know exactly what you’re covered for.

Types of insurance for over 80s

There are a couple of travel insurance options for over 80s to suit all holiday plans:.

  • Single trip travel insurance for over 80s: If you’re planning just one holiday this year, this is likely your best and cheapest option.
  • Annual multi-trip travel insurance for over 80s: Ideal if you have multiple holidays booked during the year and will prove more cost-effective.

If you’re setting sail on a boutique cruise, explore our Saga Plus travel insurance for added protection, including Missed Port and Cruise Interruption cover.

FAQs for specialist holiday insurance in your 80s

How much does over-80s travel insurance cost?

The cost of travel insurance policies for individuals over 80 years old varies based on several factors, including age, medical history and travel destination. The type of insurance coverage selected also impacts the price. Saga provides three cover options: Saga Essential, Saga Standard and Saga Plus.

Is high blood pressure a pre-existing condition for travel insurance?

Saga travel insurance for individuals over 80 considers high blood pressure a pre-existing condition. This means that if you purchase a policy for your holiday, you’ll be covered in case your high blood pressure leads to illness or a medical emergency while you’re abroad.

You will need to declare high blood pressure at the time of purchasing your policy to ensure you are fully covered.

Do I need to declare arthritis for travel insurance?

When obtaining a travel insurance quote, it’s essential to declare any existing arthritis. Failing to do so may invalidate any claim you make, leaving you financially unprotected in the event of an injury or medical emergency related to arthritis during your holiday.

Will I need my medical records?

You won’t need your medical records when you buy over-80s travel insurance, but you will need to answer all medical questions and declarations. Answering these accurately will ensure that you are fully covered for any pre-existing medical conditions.

Do pensioners get free travel insurance?

Free travel insurance isn’t available for pensioners in the UK. However, over 80s can get specialist travel insurance with Saga, which protects you if you have pre-existing medical conditions.

See all FAQs

Who underwrites Saga Travel Insurance?

Saga Travel Insurance is designed for people over 50 and is underwritten by Astrenska Insurance Limited, with claims administered on their behalf by Collinson Insurance Services Limited.

Get a quote for Saga Travel Insurance today

Get a quote Retrieve a quote

More from Saga Travel Insurance

There's plenty to explore and learn about our travel insurance cover.

Happy senior couple relaxing on deck chairs at beach
Product information

Travel insurance for over 70s

Our travel insurance policies have no upper age limit, so if you're aged over 70 and looking for high levels of cover and service, why not try Saga?

Group of senior female friends standing outdoors on hotel terrace arriving for summer holiday.
Article

What is ATOL protection?

Find out what cover you’ll get with ATOL protection if your tour operator or travel company cease trading.

Closeup side view of mid 60's couple enjoying a sailing cruise during summer vacation at seaside.
Product information

Annual travel insurance

If you're a regular holidaymaker, our annual travel insurance gives you the benefit of single trip all year round.

Poorly man caught a cold on holiday, sits sad at the pool drinking tea and blows his nose into a napkin. His grandson is healthy and swimming in the pool.
Article

Where to turn if you’re ill on holiday?

Read our guide to getting healthcare advice and medical treatment while you’re travelling.

Mature couple taking photos as tourists in the city of Verona
Product information

Travel insurance FAQs

Want to know more about Saga Travel Insurance? Here are the answers to the questions we're asked most often.

Businesswomen at an airport between flights using a plug socket to charge their devices
Article

Does travel insurance cover cancelled flights?

See how travel insurance might be able to help with delayed and cancelled flights.

Mature man using mobile phone at the airport in the lounge area.
Product information

Delayed flight assistance

Plus and Standard customers can enjoy some quiet time in one of more than 950 airport lounges if your flight Is delayed by one (Plus) or two (Standard) hours.

Close up palm trees during windy tropical storm over dramatic sky
Product information

What to do in case of travel disruption

Saga Travel Insurance includes cover for a number of different unpredictable situations, reimbursing costs that are irrecoverable elsewhere.

A group of mature friends are sitting around an outdoor dining table, eating and drinking in Tuscany, Italy.
Article

Travel insurance for hypertension

Don’t let a diagnosis of high blood pressure deflate you. Find out how to get cover for this common health condition.

Mature couple visiting old village of Lefkara, Cyprus
Article

Travelling with heart conditions

Got a cardiac condition but still love holidays? Find out why it’s vital to get the right travel insurance.

A mature couple arrive at a holiday villa
Article

Do I need travel insurance?

If you’re wondering whether you really need cover for your next trip, our guide to dealing with medical problems abroad may help.

Multi generation family sightseeing beautiful town of Valldemossa, Majorca, Spain
Article

Travel insurance for visiting Spain

Planning a holiday in Spain? Make sure you’re covered for medical emergencies, cancellation, baggage and more.

Mature woman is standing on the air-stair of her plane with her boarding pass and has turned round to give one last look to her home before she goes travelling.
Product information

What to do in an emergency

We can help you in an emergency, providing 24-hour support, advice and guidance, no matter where in the world you are.

A mature couple embracing at the top of a ski slope
Product information

Ski travel insurance

Looking forward to hitting slopes? Kick back and relax assured in the knowledge that Saga has the cover you need.

Senior woman smiling and wearing sunglasses
Product information

Pre-existing medical conditions

We cover most pre-existing conditions, have no upper age limit and are there for you in a medical emergency.