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Travel Insurance for Over 85s
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit on our policies
- Over 1300 medical conditions covered
- Unlimited medical emergency expenses cover available
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What is Travel Insurance for over 85s?
Travel insurance for over 85s protects you from potential emergencies during your holidays. Whether you’re on a luxury cruise ship or visiting Europe to see the Eiffel Tower, you can find the cover you need to travel with confidence.
Our over 85s Travel Insurance is tailored towards the needs of senior travellers. We have no upper age limit on our policies and offer unlimited medical emergency expenses cover.
At AllClear, we believe age shouldn’t keep you from experiencing the world. Cross off your travel bucket list and relax on your holidays knowing you’re protected against unexpected emergencies.
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 85?
Travel is complicated and can be stressful. Issues can pop up at any time and can become worse without comprehensive cover. Travel Insurance for seniors over 85 gives you financial cover for unexpected medical emergencies, trip cancellations and delayed luggage while you’re abroad.
Quality travel insurance is crucial if you’re over 85. Medical emergencies can occur anywhere in the world, and finding good hospitals or specialist care can be expensive. With our medical emergency expenses cover, we can support you if you have a medical emergency while away.
Whether you’re living with diabetes, a heart condition or recovering from cancer treatment, we’re here to help you confidently enjoy your travels without stressing about unplanned medical emergency fees.
Travel insurance also provides cover against incidents like lost luggage or if you need to cancel your holiday This helps you enjoy peace of mind both before and during your holiday.
Why choose AllClear for over 85 travel insurance?
At AllClear, we’re proud to offer comprehensive travel insurance for over 85s. Reasons to choose AllClear for your travel insurance include:
- There is no upper age limit on our cover.
- We offer cover for over 1300 pre-existing medical conditions.
- We provide unlimited medical cover and a 24/7 emergency helpline while you're overseas.
- Since 2000, AllClear has helped cover over 3.5M people around the world.
- 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 85s Travel Insurance cover?
Our over 85s travel insurance provides comprehensive cover for a wide range of possible incidents you could experience on holiday. With our seniors' policies, you can sit back and relax, enjoying every moment of your holiday without worrying about financial hardship.
What's covered?
Cover for medical treatment, tests, hospital stays needed to treat illnesses or injuries while travelling. We also cover the costs of repatriation if you need to be brought back home.
If an event unexpectedly forces you to cancel your trip before you leave, we will cover flight and accommodation costs.
Cover for costs if you need to return home early due to an emergency.
We’ll provide compensation if flight delays cause extra costs.
We’ll cover your baggage and personal belongings if they are lost or stolen.
Cover for legal expenses arising from incidents during your trip.
Our Seniors Travel Insurance has no upper age limits. Travel with peace of mind, no matter your age.
What’s not covered?
For most claims, you aren’t covered for travel insurance excess (the first part of your claim).
When you purchase a policy with us, you’ll be asked to select a region of designated cover. If an incident occurs outside of this region, we won’t be able to cover you.
You won't be covered for a travel insurance claim if it relates to issues or events you were aware of before buying your insurance or booking your trip.
We can’t cover treatment for known medical conditions you haven’t declared.
Plans change, but we only cover cancellations when they meet your policy’s 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.
Get your Travel Insurance quote
Travel with confidence
How to find the best travel insurance for seniors over 85
It’s easy to find the right cover for your trip with AllClear’s range of policies.
Annual Multi-trip Travel Insurance
Ideal for those who travel multiple times a year. You can save time and money on your insurance when compared to purchasing multiple single trip policies.
Single Trip Travel Insurance
The best choice for one-off trips. With single trip insurance, you’ll be covered from the date you leave to the date you return home.
Tailored over 85s Travel Insurance for every holiday
At AllClear, we know that every holiday is special. Whether you're interested in a cultural tour, a relaxing beach trip or seeing your family overseas, we have the policy option to suit your needs.
Tailor your policy for peace of mind:
Pre-existing Medical Conditions
We provide cover for over 1300 pre-existing medical conditions.
Cruise Travel Insurance
Hitting the high seas? Cruise Travel Insurance adds cover for cabin confinement and missed ports.
Seniors Travel Insurance
Tailored to the needs of older travellers, our seniors policies are here to protect you and provide cover with no upper age limits.
Destinations covered by over 85s Travel Insurance
Live out your travel dreams with AllClear. Some locations covered by our over 85s travel insurance are:
Over 85s Travel Insurance for pre-existing medical conditions
Don’t let your health hold you back from seeing the world. AllClear is proud to offer travel insurance for pre-existing medical conditions.
It’s crucial to declare every medical condition to ensure you have comprehensive cover and avoid any issues that may arise with your claim. This can be done using our straightforward screening process, online or over the phone.
We provide cover for over 1300 pre-existing conditions, including:
Travelling companion cancellation cover
AllClear also provides cover for your travel companions. If you are unable to travel or your trip ends early due to medical complications, we can cover your companion’s trip expenses as well as yours.
This includes:
- Lost deposits for unused flights, excursions and accommodations if you are forced to cancel before departure because of a pre-existing medical condition.
- Cover for trip costs if your companion needs to cut their trip short due to your medical situation.
We are here to ensure all your travelling crew feel confident and relaxed on their holiday.
Get your Travel Insurance quote
Travel with confidence
Cover for emergency medical expenses
Our travel insurance for over 85s 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 cover costs caused by health complications overseas. With quality travel insurance, you can relax and focus on making memories across the world without stressing about medical emergencies.
For more information on our medical treatment cover and exclusions, see our product disclosure statement.
How much does over 85s Travel Insurance cost?
The exact cost of your travel insurance varies depending on multiple factors, including:
- Your pre-existing medical conditions: How you answer the medical screening questions will help determine the cost of your premium.
- Trip length: The longer the trip is, the more your premium may be.
- Where you are going: Different countries may increase your premium by varying amounts.
- Type of cover: Any optional extras to your policy will add to the total cost.
For a one-off trip, a single trip policy is the most cost-effective option. If you are planning to travel multiple times in the same year, an annual multi-trip policy can offer better value for money.
At AllClear, we provide fair prices tailored to your needs. Get a quote online or call our friendly team.
Cruise cover for over 85s
A cruise is a fantastic travelling experience for senior travellers. Getting the right Cruise Travel Insurance can make it even better. That’s why we offer:
- Cabin confinement cover if you are required to stay in your room due to illness.
- Cover for missed ports if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
- Cover for medical emergencies you may experience on a cruise due to your pre-existing conditions or covered events.
AllClear helps you take to the seas knowing you are in good hands and covered against unexpected circumstances.
Travel tips for seniors over 85s
Here’s a little travel advice to help keep you safe while you’re on holiday:
- Get the right insurance: Buy the most suitable travel insurance for your trip to protect yourself against unexpected costs.
- Call your doctor: Be sure to consult a medical professional before travelling, especially if you’re living with a pre-existing condition.
- Check accessibility in advance: Look online or call in advance to check if tours, transport and hotel have the proper mobility options for you.
- Pack the right medication: When you’re packing, be sure you have all your necessary medications with you.
- Go with friends and family: Going with travel companions can help make your journey more manageable and enjoyable. To help everyone feel more confident, be sure to choose a travel insurance policy that covers unforeseen costs your companions may incur.
Great travel destinations for over 85s
Need some travel ideas? Here are some great destinations for travellers over 85:
- Japan: Japan is home to a unique culture and stunning vistas that can be safely accessed by seniors.
- New Zealand: New Zealand is a stunning location, perfect for exploring at your own pace.
- Europe: From Italy to Germany, Europe has many incredible sights to see that are fully accessible and friendly to seniors.
- Australia: There are plenty of gorgeous destinations to see right at home! From the Great Barrier Reef to Whitsundays, you won’t have to stray far for an unforgettable experience.
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 guidance from our team
“Finding the right travel insurance over the age of 85 can be a challenge. Many insurers include age limits on their cover, making it difficult to travel overseas with the cover you need.
AllClear emerges as an excellent option for over 85s travel insurance. AllClear has no upper age limit on its cover while also offering cover for over 1300 pre-existing medical conditions.”
What our customers say
“Alex was so pleasant to deal with, she was patient and friendly. She was very efficient and professional.
Job well done and I'm a happy customer.”
FAQs
Is there an upper age limit on AllClear Travel Insurance policies?
No, we have no upper age limit on our policies. You can buy travel insurance with us at any age and still have full access to our benefits.
Does over 85s travel insurance cover rental vehicle insurance excess?
Yes, AllClear policies can include cover for rental vehicle insurance excess in case your hired car is damaged or stolen while it was in your care.
How can you get a good deal on over 85s travel insurance?
To find the best deals on travel insurance, you can check each level of cover and keep an eye out for deals and discounts. You can also bundle your insurance together with other services for more savings.
However, it is recommended that you prioritise finding a policy that gives you full protection for your needs over looking for deals. Skipping essential cover to save money may end up costing you more in the long term.
What if you're going on multiple trips in a single year?
We recommend buying a multi-trip insurance policy if you are planning on travelling more than once a year. This gives you annual cover for unlimited trips within 12 months. This saves time compared to purchasing multiple single trip policies. It can also be more affordable.
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.
Please refer to the product disclosure statement of your chosen policy so you know exactly what you’re covered for.
When should you get travel insurance?
You should get travel insurance once you’ve booked and finalised all your travel plans. That way, you can ensure you’ve avoided cancellation fees, have gotten the best price and avoided other unexpected issues.
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
Travel with confidence
¹Based on 1,718 Trustpilot responses as of March 2025.