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Travel Insurance for the over 75 and 80 with medical conditions

Obtaining travel insurance when you are over 80 and have medical conditions is difficult and expensive. We now have facilities to cover the over 80 for periods up to 12 months (to age 85) and for 3 months if older.

Our Redwood travel insurance scheme referred to below is currently unavailable. Online quotes for over 75 travel insurance with full access to medical screening lines are available - or we recommend you call us on 01388 607140 as we have further options not available to the public online.

Our default travel insurance for the over 80 is the Redwood Scheme. This offers three levels of cover: Bronze, Silver and Gold. 

The Bronze scheme is probably the cheapest travel insurance for the over 80 on the market. Rates can be 60% of those found elsewhere and the 100 excess can be deleted for a small additional premium. Many over 80 travel insurance policies have substantial excesses - especially those compared online. This policy is suitable for most standard holidays.

The silver scheme affords reasonable travel insurance for the over 80 - with just a 50 excess whilst the Gold contract was rated as 5 star cover by defaqto in 2012 and includes unlimited cover for medical conditions.

How we rate medical conditions for the over 80.

We operate a human-based medical screening line to provide quotes for the over 80 who want the travel insurance. Calling at a sensible time (including week-ends) connects the traveller to our trained operatives who will ensure that the pertinent questions are asked and the correct additional premium quoted. (We recommend that a quote is first obtained online).

Medical conditions are assessed through a proprietary algorithm called Healix (which many insurers use, not just for the over 80). The programme asks for details not only of medical conditions but also ages and destinations (naturally extended stays in America are more inherently risky than a weak in Benidorm) and returns a value that equates to the required premium load to cover the medical conditions. There is no upper limit on these values, however quotes are available for values up to 7, which is quite generous.

Should the over 80 pay to have pre-existing medical conditions covered?

Emphatically yes. Whilst there is no requirement to pay to cover medical conditions for travel insurance, the over 80 should bear in mind that, as they are over retirement age, complications may occur from existing medical conditions and these complications would not be covered, unless the original conditions are also covered. Since the cost of having medical conditions treated abroad (especially in America/ Canada, there is no way we could recommend skipping on this valuable cover.

The importance of disclosing information on medical conditions

It is vital that pre-existing medical conditions are disclosed when buying travel insurance. It is also important that you check that your travel insurance policy covers your conditions. When you obtain a quote through our travel insurance quotation system you will be provided with contact details of the appropriate screening line - we also offer facilities for you to do the screening yourself and buy cover for all but the most severe conditions.

Examples of pre-existing Conditions we can cover

  • Angina 

  • Asthma & respiratory 

  • Arthritis

  • Cancer (general and breast cancer)

  • Depression, anxiety and stress disorders

  • Diabetes / Diabetic 

  • Disabled conditions / disabilities

  • Epilepsy / epileptic medical conditions

  • Heart Bypass

  • Heart attack 

  • High blood pressure 

  • High cholesterol 

  • Hypertension 

  • Stroke 

  • High risk 

No matter what medical conditions you may have, our travel insurance policies may cover them on referral, - usually at standard premiums. However our travel insurance underwriters may be unable to cover them. In that case we can offer a travel insurance for your condition provided: a) You do not have a terminal prognosis in six months b) you are not travelling against doctor's advice and c) you are not travelling to obtain treatment for that condition.

If the Redwood Contract for over 80 travel insurance is not suitable

The Redwood contract is almost certainly the best travel insurance product for the over 80. However if a traveller is over 85 then they cannot take out the policy. In that case we have a quote system that offers travel insurance for the over 85, or over 90 (there is no upper age limit), however it is not possible to cover more than 3 months for a single trip.

To our online Travel Insurance Quotation System 
(medical conditions, over 75, annual, single trip, winter sports etc)

If you want travel insurance to cover medical tourism i.e. going abroad to obtain treatment then click here

If you want travel insurance for a single person in your party.

Many people are unaware that their own travel insurance policy may not cover additional costs if someone else going with them falls ill! We always recommend travel insurance be arranged to cover all members who are to travel together. Thus the travel insurance company will protect everyone as they know about the condition.

Age limits

A travel insurance policy to cover people with medical conditions for up to 12 months is launched on April 1st 2012. Redwood travel insurance covers single trips for people aged to 85 (and yes 365 days is available for an 85 year old) and annual travel insurance up to 74 (90 days a trip). Quotes are available here although medical screening is required.

Length of trips

Long stay travel insurance, usually defined as travel for more than 30 days is available though this is for the younger (i.e. under 70) traveller. Cover is usually similar to a normal, single trip, travel insurance policy. However there is a variation: backpacker travel insurance, is suitable for students in their gap year who really only need cover for medical expenses, loss of passport and possibly some luggage cover. The premiums for this are very cheap due to the limited nature of the benefits provided.

Internet policies

Although you are buying this product online, we would like to emphasise that we are a broker and, as such, the policies we offer are substantially better than those you will buy by going through a price comparison website. On those sites you will find policies with excesses over 200 per person per claim (e.g. if you go with a family and all your luggage is stolen then you could find that you have to pay 800 towards the claim - 200 for you, 200 for your wife/ partner and similar amounts for the children. The reduction of cover on these sites gives serious cause for concern as customers won't realise the costs they have to pay themselves until they make a claim. Our excesses, by the way, range from 35 to 65 in most cases, with limits on a family claim and in many cases you can delete them i.e. have no excess at all.

Back to our main cheap travel insurance page

Specialised travel insurance needs.

Information about cheap travel insurance for the over 75, 70, 75 or 80

Travelers over 75 but 85 or younger, with our without medical conditions can find cheap travel insurance through our Redwood product

over 75?

Even if you are over 75 we can meet your travel insurance needs for to 365 days away or 93 days a trip for annual travel insurance. So if you are over 75 more information about our travel insurance for the over 75 policies, terms and conditions, including cover for medical conditions.


When travel insurance is still available for up to 365 days for a single trip, winter sports, or annual travel insurance for 93 days a trip. Further information about travel insurance is available with instant quotes and buy online.

Over 75?

Still no problem - the over 75 can still obtain long stay travel insurance for a year and winter sports covers. It doesn't matter if going to the USA, Worldwide or just Europe and medical conditions can be covered. You can obtain an over 75 travel insurance quote through our online quotation system and buy online.

Over 80?

Our unique Redwood travel insurance is suitable for travelers over 80 with online screening for medical conditions, with single trips for 366 days available. More information on over 80 travel insurance is available though our dedicated page.

Winter Sports

Winter sports cover for travel insurance is available up to 85. Information about winter sports travel insurance is available including various activities, with cheap premiums, especially for the USA and Canada.


Cheap backpacker travel insurance is available. Cover is more limited but backpacker travel insurance can be exceedingly cheap especially with a large excess.

travel insurance quote link Quotes for travel insurance for people with medical conditions.

For more information on travel medical insurance contact B. Portwood & Co Ltd. As insurance brokers have been in business advising customers on the relative merits of medical insurance policies for more than 40 years. We are always willing (if you call us on 01388 607140) to discuss your requirements and find the most suitable cover we can obtain for your needs.