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What is over 90s Travel Insurance?
Over 90s Travel Insurance protects travellers aged 90 and above if something unexpected affects their holiday. It can help cover emergency medical treatment abroad, getting you home if medically necessary, cancelling your trip and replacing lost or stolen belongings.
With no upper age limit, AllClear can help you find cover for your next holiday. We consider more than 1,300 pre-existing medical conditions and offer policies to suit your health needs and travel plans.
Why do over 90s need Travel Insurance?
Medical emergencies abroad can be expensive, particularly if you need specialist treatment or repatriation to the UK. Travel Insurance can provide financial protection and access to emergency assistance when you’re away. According to the UK Government, treating a stomach bug or infection in a US hospital, potentially followed by medical repatriation, could cost £150,000 or more without appropriate Travel Insurance.
If you’re over 90, it can be challenging to find affordable Travel Insurance that gives you the cover you need. Our policies have no upper age limit. Plus, we can cover more than 1,300 pre-existing medical conditions, so you can travel with confidence.
Accidents abroad can be costly, especially if you need repatriation. This is particularly true for older travellers.
- Long-term trips for retired people, dubbed “golden gap years”, are on the rise. Adults are still enjoying exploring the world, well into their later ages
- However, senior travellers can have more complex medical needs. Making sure you’re covered in a medical emergency and have access to any medication is key
- According to our research, 70% of travellers consider cover for high medical expenses one of the most important parts of Travel Insurance¹
Travel Insurance is a must-have for anyone over 90 who is travelling abroad.
There’s a reason we’re the UK’s Most Trusted Travel Insurance Provider². Our Gold Plus Travel Insurance is a Which? Best Buy, so if you’re looking for over 90s Travel Insurance, you’re in the right place.
Why choose AllClear for over 90s Travel Insurance?
Finding Travel Insurance in your 90s should start with your plans and individual needs. At AllClear, we have no upper age limit and consider more than 1,300 pre-existing medical conditions, including when you’re living with several conditions.
If you’re visiting family abroad or returning to a favourite holiday spot, you can choose protection for the unexpected costs that could affect your trip. Should you become unwell while you’re away, our emergency medical assistance team is available around the clock.
With AllClear, you’ll benefit from:
No upper age limit: Your age alone won’t stop you from finding cover with us
Specialist medical cover: Tell us about your health through our medical screening questions
Help whenever you need it: Access our 24/7 emergency medical helpline while abroad
Up to unlimited medical cover: Selected policies cover emergency medical expenses and repatriation up to an unlimited amount
A choice of cover levels: Compare Gold, Gold Plus and Platinum to find the benefits and limits that suit your trip
Experience you can trust: We have over 25 years of experience helpingtravellers, with 98% of customers rating us ‘Excellent’ or ‘Great’³
What does AllClear’s over 90s Travel Insurance cover?
Our over 90s Travel Insurance protects you against unexpected medical costs, cancelled trips, and lost or delayed luggage. With specialist cover for over 1,300 pre-existing medical conditions, you can explore the world with confidence, knowing you’re backed by comprehensive protection.
For full details of what is and isn’t covered, including limits and exclusions, please read the Policy Wording.
What’s covered?
- All ages – Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance policies have no upper age limit
- Medical cover – AllClear policies include emergency medical cover, including any existing conditions you may have. This includes any prescription medication for pre-existing conditions, plus any medical equipment
- Cancellation and cutting your trip short – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go. Likewise, if you need to return home early following an emergency
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures – For delayed flights, we’ll compensate you for the time. If you miss your flight, we’ll also cover your accommodation and transport costs
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
What’s not covered?
- Deciding not to travel – We do not provide any cover if you can travel but choose not to
- Other regions – Your Travel Insurance won’t cover you if you travel outside your chosen region. You can, however, contact us to upgrade your policy anytime
- Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy your Travel Insurance. This way we can give you tailored cover. This is especially vital for senior travellers and those with long-term illnesses
Choose the right level of cover
The cheapest over 90s Travel Insurance may not always offer the protection your trip requires. Compare the medical, cancellation and baggage limits included with Gold, Gold Plus and Platinum before deciding which policy suits your plans.
Consider the value of your booking, your destination and the potential cost of medical care when comparing policies. Your chosen limits should be sufficient for your individual trip.
For full details of what’s covered, please see your Policy Wording.
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip.
What should you compare when choosing over 90s Travel Insurance?
When comparing policies, look at how each one would protect you on the holiday you’re planning. Your medical needs, the cost of your bookings and how long you’ll be away all matter, alongside the price.
- Start with age eligibility: Check that the insurer covers travellers aged 90 and above, including any restrictions linked to your destination or length of stay
- Understand your medical cover: Answer the medical screening questions accurately and check that the conditions you’ve declared and had accepted are shown in your policy documents
- Look at treatment and transport home: Compare emergency medical limits and cover for repatriation if you need to return to the UK for medical reasons
- Protect the money you’ve paid upfront: Compare cancellation limits with your prepaid, non-refundable holiday costs. Check the covered reasons for cancelling or returning home early
- Check the full itinerary: Make sure every destination is covered, along with the full duration of your holiday. For annual policies, check the maximum length of each trip
- Consider what you’ll be doing: Cruises, excursions and other activities may need additional cover. Check before booking rather than assuming they’re included
- Compare the excess: A lower premium may mean you pay more when you claim. Check whether separate excesses apply to different people or sections of cover
- Check limits for your belongings: Look beyond the total baggage allowance to individual item limits, valuables cover and rules about keeping belongings secure
- Know how to get help abroad: Check the emergency assistance arrangements, when you need to contact the team and what information you’ll need if you make a claim
Read the Policy Wording before buying so you understand the benefits, limits and exclusions of your chosen cover.
How much does Travel Insurance for over 90s cost?
The cost of over 90s Travel Insurance depends on your health, your holiday and the protection you select. Age is one part of the calculation, but your quote also takes account of several other details:
Your health and medical history: The conditions you declare and your answers to the medical screening questions help determine the cost of your cover
Your destination: The cost of medical treatment differs between countries, which can affect how much you pay
Your time away: Your departure date and the length of your holiday influence your quote. If you’re planning several trips, compare Single Trip and Annual Multi-Trip options
Your level of protection: Higher benefit limits and optional extras, such as Cruise Cover, can increase the price
Your policy excess: Consider the amount you would need to contribute towards a claim alongside the upfront cost of your insurance
For a personalised price, get a quote with your travel plans and medical details to hand. Compare the benefits, limits and exclusions as well as the premium, so you can choose cover that meets your needs.
Always read the Policy Wording for limits and exclusions.
How long can you travel for with over 90s Travel Insurance?
Your age doesn’t have to bring your travel plans to a halt. AllClear’s over 90s Travel Insurance can cover longer holidays, family visits and other trips, subject to the policy and destination you choose.
| Age | Single Trip Regions 1 & 2 |
Single Trip Region 3 |
Single Trip Region 4 |
Annual Multi-Trip USA, Canada, Mexico & Caribbean |
Annual Multi-Trip Other destinations |
|---|---|---|---|---|---|
| Over 90 | 104 days | 104 days | 104 days | 35 days per trip | 45 days per trip |
For travellers over 90, a Single Trip policy can cover a journey lasting up to 104 days. Annual Multi-Trip cover allows several holidays during the policy year, with a maximum duration for each individual trip.
The limits below provide a quick guide. Please check your Policy Wording for the terms that apply to your cover.
Travel Insurance for over 90s with medical conditions
According to our partners at Age UK, 86% of people over the age of 85 have at least one long-term chronic condition. However, a chronic condition shouldn’t stop you from seeing the world. This is why we cover all pre-existing conditions and have no upper age limit on our policies.
When receiving your quote, you must declare any and all pre-existing medical conditions. That way, we can create the right quote for you.
We cover all conditions and offer cover to 99.5%+ of our customers⁴. Some examples of conditions we cover include:
Cancers – We cover all cancers. This includes bowel cancer, breast cancer, ovarian cancer, skin cancer and testicular cancer. We also cover terminal conditions
Heart problems – We’ll cover cardiovascular issues affecting heart function. Examples include high blood pressure and atrial fibrillation
Musculoskeletal conditions — We cover any conditions that affect bones, muscles, and joints. If you’re living with osteoarthritis, broken bones or osteoporosis, you’ll still be protected
Declaring your medical conditions
When you apply for Travel Insurance, tell us about every pre-existing medical condition covered by our medical screening questions. This helps us understand your health needs and confirm what your policy can cover.
You’ll usually need to declare a condition if, during the past two years, you have:
- Taken prescribed medication
- Received treatment or medical advice from a GP, hospital or clinic, including a telephone or video consultation
- Received or been offered palliative care
You must also tell us if you’re currently on a waiting list for treatment or an investigation that could lead to you cancelling or cutting short your trip, or if you’ve been diagnosed with a terminal illness. We’ll ask straightforward questions about your conditions, medication and treatment during the quote.
It’s important to answer accurately and tell us if your health changes before you travel. Not declaring relevant medical information could affect your cover or a future claim.
Please check the Policy Wording for the full medical declaration requirements.
Find the best over 90s Travel Insurance for your trip
We tailor our policies to your trip. This includes any add-ons needed to ensure you stay comprehensively covered while abroad.
- Single Trip Travel Insurance: If you only fancy one trip abroad this year, our Single Trip cover is what you need. It’s cheaper than an annual plan but still gives up to unlimited cover for medical expenses and repatriation
- Annual Travel Insurance: Suitable if you have several holidays planned during the year. One policy can cover multiple trips, saving you from arranging new insurance each time you travel. Different destination options and maximum trip lengths apply, so check that your chosen policy covers every country you plan to visit
- Family Travel Insurance: Travelling with relatives? A family policy can bring eligible family members together under one policy, even if they’re different ages. Each traveller must provide the medical information requested during the quote
Where can you travel with over 90s Travel Insurance?
From holidays closer to home to visiting family overseas, your policy can be matched to the destination on your itinerary. The region you select must include every country you intend to visit, including any planned stopovers.
- UK Travel Insurance – Cover for eligible cancellation, lost or stolen belongings and other insured events during trips within the UK. Emergency medical treatment is not covered because this is available through the NHS
- European Travel Insurance – Suitable for trips to popular European destinations such as Spain, France, Italy, Portugal, Greece, Cyprus, Malta and Croatia. The countries included depend on the geographical region shown on your policy
- Worldwide Travel Insurance – Designed for journeys beyond Europe, including destinations in Asia, Africa, Australia and South America. You can select worldwide cover that includes or excludes the USA, Canada, Mexico and the Caribbean.
Destination and trip-duration limits apply. Check your policy documents and the latest FCDO travel advice before setting off.
What optional extras can you add to over 90s Travel Insurance?
Your quote will show the optional extras available for your age, destination and policy level. These can provide additional protection for particular types of holiday or items that may not be fully covered as standard.
- Cruise cover – Adds benefits designed for cruise holidays, which may include cabin confinement, missed port departures and changes to the planned itinerary
- Gadget cover – Provides additional protection for eligible devices such as mobile phones, tablets, cameras and laptops
- Golf cover – Can cover eligible golf clubs and equipment against loss, theft or accidental damage, alongside other golf-related benefits
- Natural Disaster cover – Can provide protection if an unforeseen natural disaster disrupts your travel plans. The event must not have been known when you booked your trip or bought the cover
- Excess Waiver – Available with selected policies and can remove the excess you would otherwise need to pay for an eligible claim
Optional cover costs extra and is subject to limits, exclusions and eligibility requirements. Check your quote and Policy Wording to confirm what is available and covered.
Is a GHIC enough for travellers over 90?
A Global Health Insurance Card (GHIC) can help you access medically necessary state healthcare during a temporary stay in many European countries. Treatment is provided on the same terms as it is for local residents, so you may still need to pay towards your care.
A GHIC is useful, but it does not provide the same protection as over 90s Travel Insurance. For example, it will not cover:
- Private medical treatment
- Medical repatriation to the UK
- Cancelling or cutting short your holiday
- Lost or stolen belongings
- Travel delays or disruption
- Personal liability
Travel Insurance can also provide cover for declared and accepted pre-existing medical conditions. Take your GHIC and your insurance documents with you when travelling in Europe so you can use the appropriate support if something goes wrong.
How our Travel Insurance for over 90s works: A simple 3 step quote process
Getting a quote for Travel Insurance for Over 90s couldn’t be simpler. Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.
2. Complete our simple medical screening process
You must declare any medical conditions you have and any medications you and your travel companions are taking here. This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
Our experts say…
“Plenty of people explore the world well into their 90s, they just need a little more support. We’re proud to support senior travellers of any age. That’s why our policies have no upper age limit. Plus, we cover all pre-existing medical conditions, even terminal ones. But Travel Insurance is a must-have for any senior going abroad, just in case.”
What should you do if you need to make a claim while travelling in your 90s?
Knowing who to contact and what information to keep can make the claims process more straightforward. Before travelling, save your policy number and emergency assistance details somewhere you and your travel companion can access easily.
What to do
- Contact the 24/7 emergency assistance team as soon as possible if you need medical help abroad. In an immediate emergency, call the local emergency services first
- Speak to the assistance team before agreeing to non-urgent treatment or making arrangements to return to the UK
- Follow the treatment and medication guidance given by the medical professionals caring for you
- Keep receipts, invoices, medical reports and written confirmation of anything connected to your claim
- Report theft to the local police promptly and ask for a copy of the police report
- Ask the airline, accommodation provider or travel company for written evidence of delays, cancellations or lost belongings
- Check the latest FCDO travel advice for your destination
What to avoid
- Don’t wait until you return home to tell us about an overseas medical emergency
- Don’t arrange additional treatment, transport or repatriation without contacting the emergency assistance team, unless urgent care is required
- Don’t throw away receipts or other documents that may support your claim
- Don’t travel against medical advice or if you have been told you are not fit to travel
- Don’t leave a change in your health undeclared before your departure
Every claim is considered under the terms, limits and exclusions of the policy. Visit our claims page for contact details and guidance.
Travel tips for enjoying holidays in your 90s
Whether you enjoy a busy itinerary or a quieter escape, a little preparation can make your holiday more comfortable. Start with what suits you and build your plans around it.
Choose a journey that suits you: Consider flight times, airport transfers and connections. A convenient departure time or direct route could make your journey more comfortable
Ask about accommodation before booking: Check lift access, steps and the distance to local restaurants or transport. Confirm any room features you need directly with the property
Give yourself time to enjoy each day: Leave space between outings so you can linger somewhere you love, take a break or change your plans
Book assistance if you need it: Speak to your airline, airport or travel provider about available support and arrange it ahead of your journey
Keep everyday essentials close: Put your glasses, chargers, hearing aid batteries and travel documents in an easily accessible part of your hand luggage
Plan how you’ll get around: Look into local transport and transfer options before you arrive. Staying close to the places you want to visit can save time and effort
Save important contact details: Keep your accommodation address, booking information and insurance emergency number together, and share your itinerary with someone you trust
Ways to save on over 90s holiday insurance
Getting value from your Travel Insurance starts with choosing cover that fits your holiday. Comparing your options can help you manage the cost while keeping the protection you need.
- Compare cover for your travel plans: If you have several holidays booked, compare the total cost of separate Single Trip policies with Annual Multi-Trip cover. Check that each trip falls within the policy’s duration limits
- Choose the right geographical area: Make sure your policy includes every destination and stopover, without selecting a wider region than your plans require
- Select extras that suit your holiday: Check what’s already included before adding optional cover. Choose extras based on the activities and type of trip you’re planning
- Look at the excess alongside the premium: A lower price may mean paying more towards a claim. Compare both amounts and consider what you could comfortably afford
- Match benefit limits to your needs: Check cancellation cover against your prepaid, non-refundable holiday costs and baggage limits against the belongings you’ll take
- Compare AllClear’s cover levels: Review Gold, Gold Plus and Platinum together to see how their prices, benefits and limits differ
Always give complete and accurate medical information when getting a quote. Leaving out a condition to reduce the price could invalidate your cover or affect a claim.
24/7 medical support while you’re abroad
If illness or injury interrupts your holiday, knowing who to contact can make a difficult situation easier to manage. With AllClear’s over 90s Travel Insurance, our emergency medical assistance team is available 24 hours a day.
The team can help you access appropriate treatment and liaise with the healthcare professionals looking after you. If you need to return to the UK for medical reasons, they can also coordinate your journey home where covered by your policy.
Before travelling, keep the emergency assistance number and your policy details somewhere easy to reach. Share them with anyone travelling with you so they can help make contact if needed.
What our customers say
Very helpful personal service
“I rang today to renew my insurance. I spoke to Leanne who was very helpful, kind and patient. I am 90.”
There’s a reason 97% of customers would recommend us to family and friends⁵. Here’s what they have to say about us.
Over 90s Travel Insurance FAQs
Absolutely. We specialise in Travel Insurance for older travellers, including those aged 90 and over. Our policies have no upper age limit and can cover: All medical conditions, all ages, all destinations⁶. With cover offered to 99.5%+ of customers⁴, you can travel with peace of mind.
At AllClear, our policies have no upper age limit because we believe travel is for everyone. Some insurance providers, however, will have an upper age limit cut-off for their policies due to the increased chance of claiming on a policy as we age.
Travel Insurance premiums for over 90s vary depending on several factors, including:
- Your age
- Any pre-existing medical conditions
- Where you’re travelling to
- How long you’ll be away
While age is fixed, you can often lower your premium by choosing a destination with lower medical costs or shortening the length of your trip. Increasing your policy excess or removing optional extras may also help reduce the overall cost, while still giving you essential protection.
The UK Government recommends anyone who leaves the country get out the required type of Travel Insurance. The Global Health Insurance Card (GHIC) covers you for any emergency medical costs, such as surgery or prescription medication, in Europe. It doesn’t, however, cover you for everything that might go wrong on holiday. This means you’d have to pay out if you need transport to and from the hospital, lose your luggage or have cancelled flights.
At AllClear, we can cover all destinations, as well as over 1,300 medical conditions, and there’s no upper age limit. Travel is for everyone, so no matter where you’re going, we’ll help you stay covered. We also offer optional extras, like Golf Cover or Cruise Cover. This means you’re protected no matter where you go, or how you go there.
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Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Dr Anisha Patel is a general practitioner with a specialist interest in women’s health and a bowel cancer survivor. She’s a speaker, health educator, writer and media doctor and works hard within a variety of media outlets to push health education agendas and break down stigmas and taboos.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
1 Based on 4,358 responses. AllClear Annual Survey, February 2024.
2 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 75,000 reviews as of July 2026.
3 Based on 230,000+ Trustpilot responses, as of July 2026.
4 Based on completed quotes between March 2025 and February 2026.
5 Based on 574 responses, post-purchase survey June 2025.
5 We offered cover in 99.5%+ of cases (2025 quotes) but can’t guarantee cover in every circumstance.
