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Over 90 travel insurance

Many travel insurers are able to keep premiums low by not offering travel insurance for those over a certain age and it is therefore not always that easy to find a fully comprehensive policy when you are looking for insurance for over 90 years of age.

Free Spirit is different as we can offer cover and our policy is designed to provide the essential protection to people who want to travel, whether they are over 65, 75 or even over 90. Age shouldn’t hold you back from travelling and finding new holiday destinations.

Free Spirit travel insurance has no upper age limit on single trips or annual multi-trips as we don’t believe your age should be a barrier to getting travel insurance for your holiday. If you are looking at having a relaxing week on the beach in Europe, a long weekend in New York or visiting relatives in New Zealand, we are on hand to help.

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Our single trip policy can give you up to 94 days cover (45 days if aged 76 years or over) and if you think you may like to take a few holidays in the year, our annual multi-trip policy is just what you need. It allows you to travel as many times as you want in a year and has a maximum single trip duration of 31 days on the Super cover and 45 days on the Super Duper cover.

Make sure you book your cheap travel insurance for over 90 year olds in advance and never leave home without it, as you never know what might happen whilst abroad. What would you do if you had a fall or injured yourself, as without travel cover hospital treatment can be very expensive. Also if you were taken unwell prior to going on holiday and you had to cancel, you could lose the cost of the holiday if you weren’t insured.

Why choose Free Spirit if you’re over 90?

  • Single trips covered up to 45 days (94 days if aged 75 and under)
  • Annual Multi-trip provides unlimited number of trips – travel up to 31 days per trip (Super) and 45 days (Super Duper)
  • Fully interactive website including online medical screening
  • Journey disruption / Airspace closure cover
  • Loss or damage to medical aids and prescribed medications

Do you have a pre-existing medical condition or disability?

For most people reaching 90 is a milestone in their life but with it may come medical problems. Free Spirit is one of the market leaders in specialist travel insurance for people with pre-existing medical conditions and disabilities including angina, dementia and deep vein thrombosis.

We will try and cover the majority of medical illnesses and we will ask you sufficient questions to make sure you declare all of your medical history and to ensure you are fully protected should you need to claim. We also have a medical emergency assistance helpline available to you 24 hours a day and 7 days a week in the event you have a medical emergency while travelling abroad.

Here are some of the other serious medical conditions we can offer cover for:

Cover your travelling companions on the same policy

Travelling companions can also be covered on Free Spirit, whether they have a pre-existing medical condition or not. By including your travelling companions on your Free Spirit policy, you will ensure the whole party is covered. For example, if you had to cancel your holiday due to your medical condition, your travelling companions on the same policy would also be covered which may not be the case if they had taken out a policy elsewhere.

Also included are benefits for aftercare at home following hospitalisation, personal accident, personal liability, money & documents, missed / delayed departure, legal expenses and winter sports option.

Please read the Insurance Policy for the full terms and conditions of this over 90 travel insurance cover to make sure it’s suitable for your needs.

How to get your Free Spirit travel insurance for over 90’s quote

Get a quote

Obtaining an instant quote and arranging cover with Free Spirit could not be easier.

Our fully interactive website includes online medical screening.

Alternatively, you can call us and speak to a friendly member of staff in our UK based call centre on 0800 170 7704. Our office hours are 8am to 6pm Monday – Friday (except Bank Holidays).




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  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
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Last updated: 12th July 2016.