So you are planning a trip to Thailand, but worried that being over 80 will mean no one will insure you?
Here is some advice for travel insurance over 80s to Thailand.
Finding affordable travel insurance for an 81-year-old in the UK, especially for a trip to Thailand, can be challenging due to age-related premium increases, but it’s definitely possible, particularly since your father has no health issues. Here’s some guidance to help you secure a suitable and cost-effective policy.
Travel insurance costs typically rise with age because insurers perceive older travelers as higher risk for medical claims, even without pre-existing conditions. For a destination like Thailand, where private healthcare can be expensive and public facilities might not meet UK standards, insurers often factor in the potential cost of emergency treatment or repatriation. However, since your father is healthy, this simplifies the process as he won’t need to declare medical conditions, which can otherwise drive up premiums significantly.
Start by comparing quotes from providers that specialize in cover for older travelers or have no upper age limit. Companies like AllClear, Staysure, and Goodtogoinsurance are known for catering to seniors, including those over 80. Since your father has no health issues, a standard single-trip policy to Thailand should suffice, rather than a more expensive annual multi-trip policy. Be sure to select a policy with robust medical coverage—aim for at least £5 million to cover potential hospital bills or emergency evacuation, which can be costly in Thailand.
Post Office Travel Insurance for any age
For weekend breaks to one year trips Cruise cover provided as standard!
Optional extras - including ski, cruise & golf insurance Choose from single trip, annual multi-trip or backpacker cover 24/7 medical emergency helpline
- Example Quote* - £32.36 (PO Single Trip)
> GET A QUOTE FROM POST OFFICE INSURANCE
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Travel Supermarket Comparison
Travelsupermarket insurance will give you a broad view of the whole of the travel insurance options for your longer stay trip. Compare 120 holiday insurance policies from over 50 travel insurance providers including SAGA, Staysure and Allclear.
- Policies tailored to you
- Cover from just £6.00
> GET A QUOTE FROM TRAVEL SUPERMARKET
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Staysure Travel Insurance for ANY AGE
5 Star reviews on Trustpilot than any other travel insurance provider.
Covering you for one trip to any worldwide destination, with no upper age limit 100% of claims are progressed to the decision stage within 2 days of receiving all documents
- 99% of global destinations covered
- Example Quote* - £55.00
> GET A QUOTE FROM STAYSURE INSURANCE
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Avanti Insurance for the Over 65s
Single Trip Travel Insurance covers anyone up to the age of 120! Cancellation cover starts as soon as you take out the policy and ends when you’re back home again. Ideal if you are planning on a long stay in the winter sun of Spain or Portugal, or further afield like Mexico or Thailand.
- Example Quote* - £29.00
> GET A QUOTE FROM AVANTI INSURANCE
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Good to Go for the over 80s
Goodtogoinsurance.com provides travel insurance cover to travellers of any age, with or without pre-existing medical conditions. They can also cover your travelling companions on the same policy.
- Pre existing conditons such as Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
- Single trip and annual travel insurance with no age limit
- Three levels of travel insurance cover available and No AGE LIMITS!
- Example Quote* - £67.34 (Silver Policy)
> GET A QUOTE FROM GOOD TO GO INSURANCE
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Globelink Insurance for seniors up to 89
Single trip policies are available for up to 89 year olds, Over 50 pre-existing medical conditions covered for free
24/7 medical emergency helpline - we’re there if you need us
- Example Quote* - £40.99
> GET A QUOTE FROM GLOBELINK
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Columbus Insurance up to the age of 85
Columbus offer a range of flexible single-trip policies from just £2.69 and annual policies from £22(1) covering both Europe and Worldwide destinations. All policies include cover for over 150 sports and activities. For those with a more adventurous streak, many more daring activities can be covered for a small extra premium.
- Example Quote* - £12.69
> GET A QUOTE FROM COLUMBUS INSURANCE
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To keep costs down, consider adjusting the excess—the amount your father would pay out-of-pocket before the insurer covers a claim. A higher excess can lower the premium, but ensure it’s an amount he could comfortably afford if needed. Also, check if the policy includes coverage for trip cancellation, baggage loss, and delays, though these can be trimmed if he’s willing to forgo them for a cheaper rate. Thailand-specific risks, like scooter accidents or tropical illnesses, might require additional cover if he plans adventurous activities, but if he’s sticking to a relaxed itinerary, a basic policy should do.
For a ballpark figure, a single-trip policy for someone over 80 to a long-haul destination like Thailand might range from £50 to £150, depending on trip length (e.g., one to two weeks) and coverage level. Without pre-existing conditions, your father’s quote should lean toward the lower end. Use comparison sites like MoneySuperMarket or Confused.com to get a broad view of options, then double-check directly with insurers for any senior-specific deals not listed on aggregators.
One solid option to explore is AXA Sawasdee Thailand, a policy tailored for visitors to Thailand. It offers medical coverage up to 750,000 THB (around £17,000) for accidents and illnesses, with no waiting period and direct billing at many Thai hospitals. While this might not meet the £5 million medical cover often recommended, it’s affordable and widely accepted, starting at a low daily rate—potentially under £50 for a short trip. Pairing it with a UK-based policy for extra medical top-up could balance cost and peace of mind.
Before buying, confirm the policy meets his needs: no medical screening required, coverage starts from departure, and it includes Thailand’s private healthcare system. Contact insurers directly if quotes seem high—some offer phone-based quotes for over-80s that might not appear online. With no health issues, your father’s in a strong position to find something reasonable. Shop around, and you should land a policy that keeps his trip to Thailand both safe and affordable.