Over 50s Travel Insurance

Over 50s travel insurance provides medical and financial protection when you travel and go on holiday. From medical expenses to lost luggage, flight delays to cancelations, travel insurance is a must for any over 50 traveller. But how much travel protection do you need and how much will it cost?

The following information explains what travel or holiday insurance as it’s also known is, how it works and how to compare over 50s travel insurance to get the best cover for you.

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What is over 50s travel insurance?

Over 50 travel insurance is holiday insurance designed specifically for the over 50s. However, unless you require more specialist insurance, perhaps that covers certain pre-existing medical conditions, you should compare travel insurance for any age to get the most competitive quotes, not just over 50 travel insurance.

What does travel insurance cover?

Travel Insurance provides holiday protection, which typically includes medical expenses should you become ill and cover for lost or stolen items. Travel insurance also protects against loss of money due to cancellation if you are unable to travel, or delays that are the fault of the airline or holiday provider.

Levels of protection will vary depending on the holiday insurer but will usually include the following as standard:

  • Medical expenses and repatriation fees
  • Cancellation costs should you be unable to travel
  • Lost or stolen items
  • Personal liability
  • Flight delays

Unfortunately, as we get older, the chances of us needing to cancel a holiday increase as we become more susceptible to illness and accidents. Therefore, regardless of whether you are over 50, over 60 or over 70, it’s important to consider holiday insurance as soon as you plan a trip away.

cheapest travel insurance for over 60s

What's not covered?

Holiday insurance is there to protect you when you travel. However, like all insurance policies, there are certain activities or situations that are excluded from cover. These exclusions will depend on the insurer but will typically include:

  • High risk activities such as winter sports, rock climbing and white water rafting
  • Expensive items such as designer clothes or gadgets
  • Self-inflicted injury whilst under the influence of alcohol
  • Cancelation if the reason isn’t one of the ones listed on the policy
  • Travel to countries listed as places to avoid on the governments Foreign and Commonwealth website
  • Medical expenses due to an undisclosed pre-existing medical condition.

If an activity isn’t included in your holiday insurance don’t worry. Some insurers provide additional holiday insurance options such as winter sports, golf cover or cruise insurance that can be added to your policy.

Annual travel insurance or single trip?

Single trip travel insurance is usually cheaper and covers you for one trip. However annual travel insurance also known as multi trip travel insurance provides cover for a whole year. Therefore, although single trip may seem cheaper, annual travel insurance could be best if you’re planning more than one holiday.

Can you get travel insurance for over 50s with medical conditions?

You can get travel insurance for over 50s with medical conditions however its important to declare the illness when arranging the policy. Your insurer can then decide whether it’s a pre-existing medical condition they cover as standard or whether you need a more specialist insurance policy.

How to compare over 50s travel insurance

To compare over 50s travel insurance, first decide what type of cover you need. Do you want single or multi trip insurance? Do you need additional cover for golfing or cruising? Then use one of the free online insurance comparison services to compare the market for travel insurance quotes.

When you have found your preferred policy, you can buy it online or over the phone. Just don’t forget to disclose any existing medical conditions. Honesty is always the best policy with any type of insurance product.

What should I do now?

When you’re ready to compare over 50 travel insurance, click on the button below to receive quotes from leading insurers.

Alternatively, for more information on individual companies, read our travel insurance reviews.

Compare travel insurance quotes

Frequently asked questions about travel insurance for over 50 year olds

Should I choose an annual or single trip policy?

If you are only going on one holiday, single trip insurance is cheaper. However, if there is a chance you may travel more than once within the year, it would also be worth comparing annual holiday insurance as it may be more cost effective.

Who offers the best travel insurance?

The best travel insurance isn’t just down to price. Cover levels and customer satisfaction are of equal importance. Our reviews will help you understand more about some of the UK’s best travel insurance companies including:

  • Saga
  • Post Office
  • Staysure
  • Aviva
  • Nationwide
  • Age UK

At what age does travel insurance go up?

Holiday insurance becomes more expensive the older you are. Over 60 and over 70s holiday insurance is widely available however you may have to seek more specialist cover the older you get.

Which international travel insurance is best?

To find the best international insurance, compare quotes using an online comparison service. Our service is quick, free and easy to use, or alternatively companies like compare the market travel insurance, confused.com and moneysupermarket.com can help.

Then before making your decision, always read the small print and check the holiday protection covers the country you are planning to visit.

Can you get cruise travel insurance for over 50s?

Cruise insurance for over 50s is available and can either be bought as an add on to your standard holiday insurance or as standalone specialist cruise insurance. It all depends on what you are looking for.

over 50s holiday insurance with medical conditions

Updated 21st August 2020
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

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