Travel Insurance.quest

Over 70s & over 80s

Older travellers can get cover. Pick the right type.

Annual policies tend to stop at a lower age than single-trip cover, and some insurers set no upper limit at all. Set your age to see where you stand.

Updated 6 October 2026 · Figures sourced and linked
Check my age →
76Average upper age, annual policiesSource: Which?, 9 July 2026
89Average upper age, single-trip policiesSource: Which?, 9 July 2026
66%Of single-trip policies open to people aged 80–89Source: Which?, 19 June 2025
£190Average single-trip premium, ages 71–75 (2023 data)Source: Association of British Insurers, 21 August 2024

Age checker

Where does your age fit?

Upper age limits apply to the oldest traveller on the policy. Set that age and how often you travel.

Trips a year
Average upper age, annual policies76
Average upper age, single-trip policies89
Ember marker is your age. Averages across policies that have an age limit (Which?).
What to look forCheck annual age caps

You're above the average annual-policy age limit, so many annual policies won't accept you. Look for annual cover with no upper age limit, or buy single trips.

Sources: Which? (2026), Which? (2025), Saga, Staysure, AllClear. We don't sell or recommend specific policies.

Why prices rise

Claims by age

Insurers price on the claims they pay. In 2023 the average claim from a 71–75-year-old was more than three times that from a 36–40-year-old (ABI). Declaring conditions accurately and comparing specialists is the way to keep cover affordable. See medical conditions.

Average claim, ages 71–75£1,830
Average claim, ages 36–40£518
Average single-trip premium, ages 71–75£190
Average single-trip premium, ages 36–40£38

2023 claims and premiums by age band. Source: ABI, August 2024.

Questions

Straight answers

Can you get travel insurance over 80?
Yes. In Which?'s analysis of 145 policies, 66% of single-trip and 32% of annual policies were available to people aged 80–89 (Which?). Saga, Staysure and AllClear say they have no upper age limit.
What is the age limit for annual travel insurance?
It varies by insurer. Among policies with a limit, the average is 76 for annual cover and 89 for single trips (Which?); Age UK says limits typically run 65–85.
Why is travel insurance more expensive when you're older?
Claims cost more on average. ABI data for 2023 showed an average claim of £518 at 36–40 against £1,830 at 71–75, with average single-trip premiums of £38 and £190.

Sources

Where the numbers come from

We use primary sources only: the ABI, regulators, the NHS and government. Figures were checked on 6 October 2026. Spot something out of date? The source link is the fastest way to check.

  1. Which?. How to find travel insurance if you're over 65. 9 July 2026.
  2. Which?. Can you get travel insurance over 80?. 19 June 2025.
  3. Age UK Trading. Travel insurance explained. 2 April 2024.
  4. Association of British Insurers. Safe travels: remember the 'Travellers Ten' (2023 claims and premiums by age). 21 August 2024.
  5. Saga. Annual travel insurance. accessed October 2026.
  6. Staysure. Signature policy IPIDs. accessed October 2026.
  7. AllClear. Travel insurance. accessed October 2026.

Keep going

Travel insurance UK →What it covers, whether you need it and how to compare policies properly.Annual vs single trip →Work out how many trips make an annual policy pay.GHIC card →Where the free UK GHIC works, and what it doesn't cover.Pre-existing conditions →Declaring conditions, and where to go if you're refused.Business travel →When personal cover isn't enough for a work trip.