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Travel Insurance for Over 80s
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit on our policies
- Cover for over 1300 pre-existing medical conditions
- Up to unlimited emergency medical expenses cover
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What is Travel Insurance for over 80s?
Travel Insurance for over 80s is tailored cover that gives you the financial protection you need while travelling, whether you’re going to an international hotspot or on a relaxing cruise.
AllClear Travel Insurance for over 80s is designed to meet the needs of senior travellers, including no upper age limit and up to unlimited medical expenses cover.
At AllClear, we believe that age shouldn't be a barrier to exploring the world. Our specialist travel insurance for the over 80s helps you enjoy your trip with the comfort of knowing you’re protected against unexpected costs.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Why is travel insurance important for seniors over 80?
Seniors travel insurance provides peace of mind for unexpected events like lost luggage, trip cancellations, or overseas medical emergencies. Having these costs covered by an insurance policy means you can travel with peace of mind and focus on creating unforgettable memories.
For those over 80, having travel insurance becomes especially important. A medical emergency, such as a heart attack, can occur anywhere. Hospital treatment, medical repatriation, or specialist care abroad can be expensive. Our policies cover up to unlimited emergency medical expenses, so your health and well-being are fully supported.
Older travellers are more likely to travel with pre-existing medical conditions. Whether you are living with diabetes, a heart condition, or recovering from cancer, travel insurance helps make your dream holiday a reality.
Other incidents like trip cancellations, lost luggage and or travel delays can cause unexpected financial strain. Travel insurance can help cover these costs when they arise.
Why choose AllClear for over 80s Travel Insurance?
At AllClear, we are proud to offer over 80s Travel Insurance to help you travel with confidence. Here are some of the reasons to choose AllClear to cover your holiday:
- There is no upper age limit on our cover.
- Cover for over 1300 pre-existing medical conditions.
- Up to unlimited emergency medical expenses cover.
- We offer a 24/7 emergency medical helpline.
- Since 2000, we have helped cover over 3.5M travellers worldwide.
- 94% of customers rate us as ‘Great’ or ‘Excellent’¹.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear's over 80s Travel Insurance cover?
Our comprehensive policies are built to help you travel with confidence. We provide flexible travel insurance cover to help with real-world travel risks and inconveniences.
What's covered?
Cover for medical treatment, tests, hospital stays needed to treat illnesses or injuries while travelling. We also cover repatriation costs to bring you back to Australia.
Cover for flight and accommodation costs if you have to cancel your trip due to a covered event.
Cover for costs if you need to return home early due to an emergency.
Compensation for costs incurred due to flight delays.
Cover for your baggage and belongings if they are lost or stolen.
Cover for legal expenses arising from incidents during your trip.
There is no upper age limit on our Travel Insurance cover, allowing you to explore the world no matter your age.
What’s not covered?
For most claims, you aren't covered for the travel insurance excess.
When you purchase a policy, you'll select a region of designated cover. If an incident occurs in a country outside of this region, you won't be covered.
You won't be covered for a travel insurance claim if it relates to events or issues you knew about before buying your insurance, or booking any individual trip.
We are not able to provide cover for treatment connected to known health concerns if you don't declare them.
You’re only covered if a trip is cancelled for reasons outlined in the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
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How to find the best travel insurance for seniors over 80
AllClear makes it easy to find the right cover for you with our range of policies.
Annual Multi-trip Travel Insurance
Perfect if you are planning multiple trips within the year. You can save time and money compared to purchasing multiple single-trip policies.
Single Trip Travel Insurance
Great for one-off holidays and infrequent travellers. With this policy, you’re covered for a single trip, from the date you leave to when you return home.
Tailored over 80s Travel Insurance for every holiday
At AllClear, we know that no two holidays are the same. Whether you’re planning a cultural tour, a relaxing cruise, or visiting family abroad, we have options to help you travel with confidence.
You can easily tailor your policy with extra cover to suit your trip:
Pre-existing Medical Conditions
We provide cover for over 1300 pre-existing medical conditions.
Cruise Travel Insurance
Planning to take to the seas? Cruise cover adds peace of mind for cabin confinement, missed ports, and more.
Seniors Travel Insurance
Designed with the needs of older travellers in mind, our seniors policies make sure you are properly protected with no upper age limit.
Destinations covered by over 80s travel insurance
Your travel dreams are wide open with AllClear. Our over 80s travel insurance can cover:
Over 80s Travel Insurance for pre-existing medical conditions
Your health should not hold you back from seeing the world. That’s why AllClear proudly offers travel insurance for pre-existing medical conditions.
It’s important to declare every medical condition to ensure comprehensive coverage and avoid any issues with claims. You can easily declare all your conditions with a straightforward screening process when purchasing your policy. This can be done online or over the phone.
We provide cover for over 1300 pre-existing conditions, including:
Travelling companion cancellation cover
We can also provide cover for your travel companions. If you cannot travel or your trip ends prematurely due to a covered medical complication, we can cover your companion’s trip expenses, too.
This includes:
- Lost deposits for unused accommodation, flights, or excursions, if you are forced to cancel before departure because of a pre-existing medical condition.
- Remaining trip costs if they need to cut their trip short due to your medical situation.
This is one more way AllClear ensures that you and your companions can travel with peace of mind.
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Get covered for emergency medical expenses
AllClear Travel Insurance for over 80s includes:
- Cover for emergency medical expenses like surgery, hospital stays, tests and medications.
- Repatriation costs if you need to be brought home to Australia.
- An emergency medical assistance hotline, available 24/7 and connecting you to immediate help.
AllClear Travel Insurance helps you manage costly bills in the face of a health complication. With the right travel insurance, you can focus on making memories, not worrying about medical emergencies.
For more information on our medical treatment cover and exclusions, see our product disclosure statement.
How much does over 80s travel insurance cost?
The cost of travel insurance for the over 80s depends on several factors:
- Your medical conditions: Your answers on the medical screening questions will help determine your premium.
- Trip length: Longer trips can increase premiums.
- Destinations: Travelling to different countries may increase your insurance cost.
- Type of cover: Optional extras may add to your policy price.
Single-trip policies can be cost-effective for one-off trips. If you plan to travel several times in the same year, annual multi-trip policies can offer better value for money.
At AllClear, we provide fair prices tailored to your needs. Get a quote online in just a few minutes or call our team for friendly help.
Over 80s Travel Insurance for cruises
Cruising is a wonderful choice for older travellers, but getting the right Travel Insurance is crucial. That’s why AllClear’s Cruise Travel Insurance includes:
- Cabin confinement cover if you need to stay in your room due to illness.
- Missed port cover if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
With AllClear’s Cruise Insurance, you can take to the seas knowing you're covered against the unexpected.
Travel tips for over 80s travellers
Here are a few handy travel tips to help you stay safe and enjoy your holiday:
- Travel Insurance: Get the right travel insurance cover early to protect yourself from unexpected costs.
- Consult your doctor: Get medical advice before travelling, especially if you’re managing pre-existing conditions.
- Plan for accessibility: Check that your hotels, transport, and tours meet any mobility needs you have.
- Pack medications: Pack carefully and ensure you bring enough for your whole trip.
- Travel companions: Travel companions can help make your travel more manageable and enjoyable. Choose a travel insurance policy that includes cover for costs your companions may incur.
Great travel destinations for over 80s
Looking for travel ideas? Here are some great destinations for senior travellers to enjoy:
- New Zealand: New Zealand boasts scenic landscapes, world-class tours and easy domestic flights.
- Japan: Japan is home to a fascinating culture, safe cities and excellent accessibility.
- Europe: A European holiday is the perfect opportunity to explore history-rich cities like Paris, Vienna, and Rome at your own pace.
- Australia: From the Great Ocean Road to the Whitsundays, there’s plenty to explore close to home.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
“Age should never hold you back from discovering new places. AllClear offers comprehensive travel insurance for seniors, with no upper age limit on policies.
An important consideration for seniors is ensuring their policy includes comprehensive medical coverage. With a 24/7 emergency medical assistance helpline and a wide range of additional cover options, AllClear makes it easier for you to travel without worrying about the unexpected."
What our customers say
“As one of us is over 80 years old and going on a cruise outside Australia, we needed age specific travel insurance. The operator explained everything clearly and was very helpful.”
see full reviewFAQs
Is there an upper age limit on AllClear Travel Insurance policies?
No, there is no upper age limit with AllClear. You can buy travel insurance at any age and still receive access to all our great benefits.
Does over 80s travel insurance cover rental vehicle insurance excess?
Yes. AllClear policies can include cover for rental vehicle insurance excess if your hire car is damaged or stolen while in your care during your trip.
When should you buy Travel Insurance?
You should buy your travel insurance as soon as you book your trip. This way, you will be protected against cancellation resulting from unexpected events before you depart.
Can you get over 80s Travel Insurance for multiple countries?
Yes, you can. AllClear makes it simple to add multiple destinations when getting a quote. This ensures you are protected for each leg of your trip.
What if you're going on multiple trips in a single year?
If you plan to travel more than once in a single year, annual multi-trip insurance is a great choice. It gives you annual cover for unlimited trips within 12 months and can help you save time and money.
What does Travel Insurance not cover?
Travel insurance generally does not cover occurrences like:
- Undeclared pre-existing medical conditions.
- Choosing not to travel due to a change of mind.
- Events you knew about before purchasing your policy.
You should always refer to the product disclosure statement of your chosen policy so you know exactly what you’re covered for.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
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- Based on 1,718 Trustpilot responses as of March 2025.