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Over 50s travel insurance

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  • Emergency medical expenses and repatriation cover

  • Personal possessions and money cover

Covid-19 - Important information 19th August 2021

International travel has restarted, governed by a traffic light system. The system will help travellers to understand COVID requirements when travelling back to England, Scotland, Wales, and Northern Ireland from a green, amber or red country.

Before buying travel insurance, you should think about what could happen if your destination moves from a green list country to an amber or red list country. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

The traffic light system tells you what you have to do when returning to the UK, as there will be strict border control measures in place. So even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you won’t be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

Looking for over 50s travel insurance? You're in the right place

If you’re in your 50s and you’ve just booked or are looking to book your next holiday, having the right travel insurance in place before you travel can help cover you against cancellations or missed departure.

Once you’re on holiday it can help you avoid paying for expensive medical treatment in emergencies or cover unexpected costs like loss of personal possessions or repatriation if you fall ill abroad and need to get home.

What does over 50s travel insurance cover?

An over 50s travel policy will cover the same things as a standard policy. This usually includes:

  • Medical treatment and repatriation back to the UK if you’re unwell or get injured while you’re on holiday
  • Cancellation cover in case your holiday is cancelled or you're unable to go on your trip    
  • Baggage, personal possessions, and money cover if your items are lost or stolen
  • 24-hour helpline to speak to someone in an emergency

How much does over 50s travel insurance cost?

The cost of your policy can vary depending on the following things:

  •  Where you’re travelling to
  •  How long you’re away for
  •  If you have a pre-existing medical condition
  •  If you want to add any extras to your policy, such as business or cruise cover

To give you an idea of how much a policy may cost you, here are the average costs of 1-week policies for the UK and some of the most popular destinations around the world1:

Destination Average premium for 1 week1
Cyprus
£25.34
Germany
£21.24
Spain
£25.46
France
£19.11
UK
£ 20.70
Greece
£23.72
Croatia
£21.38
Italy
£20.10
Portugal
£17.96
Turkey
£25.01

1. Confused.com travel insurance data - Average price of all over 50 premiums - August 2020 to October 2020

What should I consider when buying over 50s travel insurance?

Making sure you have the right cover in place before you travel is important. We’ve listed a few things that you’ll need to think about before buying your insurance policy.

  • What policy type you need
  • The length of your trip
  • Where you're travelling to
  • The level of cover you'll need
  • How many people you want to cover

The policy type you need will depend your type of holiday and whether you’re planning on more than one trip in a year. Options include single-trip, annual multi-trip or if you’re more adventurous, a backpacker policy.

The length of your trip can affect the price and type of policy you need. For example, a standard over 50s policy might be suited for a week’s holiday or even a trip up to 31 days. If you’re planning on travelling for longer, a backpacker policy might be more suited.

Backpacker policies aren’t just for young travellers, they offer cover for trips of up to 18 months, whether you’re aged 18 or 50. We cover the different policy types in more detail below.

Where you’re travelling to not only affects the cost of your policy but may also make you think about how much cover you need. For example, if you’re planning on a shopping trip to New York, you’ll want to make sure your new must-haves are covered. Remember to include all the countries and regions you’re planning on travelling to, to be sure you’re fully covered.

The level of cover you’ll need, including cover for a pre-existing medical condition. Depending on the type of holiday you might need extras such as winter sports, business travel or cruise cover.

How many people you want to cover, particularly if you’re planning a romantic getaway or a family holiday. Family policies can include up to 2 adults and 8 children who should be under the age of 18.

Compare over 50s travel insurance quotes

What are the main types of over 50s cover?

Single-trip travel insurance is perfect if you’re holiday is a one-off and you’re only travelling for a week or two. There isn’t usually a maximum limit for the number of days you’re allowed to travel. 

Annual travel insurance may be more cost effective if you know you’re going to be travelling multiple times a year. There is usually a limit of 31 days per trip, but this varies between insurers.

Backpacker insurance is another option for long-term travel. You’re normally covered for anything between 3 and 18 months. Again, this can change depending on your insurer, so we recommend checking the policy details before buying.

Can I get a quote with a serious pre-existing medical condition?

If you’re over 50 and have a pre-existing medical condition, you can still get a quote with us. We have a range of insurers who offer quotes for many declared serious medical conditions. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

You must tell your insurer about the health history of each traveller, so they can confirm whether any claims relating to them would be covered. Cover for some conditions could end up increasing the cost of your policy. If you don’t tell your insurer about a medical condition, this could invalidate a claim.

Not all insurers will offer you cover for pre-existing medical conditions. If you’re unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

What our travel insurance expert says

Believe it or not, but there aren’t many differences between a standard travel policy and an over 50s policy. The only real difference is the cost of your policy, as the risk of getting injured or becoming ill when abroad increases as you get older. That doesn’t mean to say, you can’t make a saving on a policy. The easiest way to do that is to get a quote and compare your options. It really is that simple.

Jac Morris signature

Jac Morris

Travel insurance product executive

Need more help

Are there age limits for an over 50s travel insurance policy?

The only criteria for this type of policy is that you have to be over the age of 50 when you buy the policy. There aren’t any upper age limits, so you should be able to get a quote if you’re 60, 70 or 80.

Why does over 50s travel insurance cost more than standard travel insurance?

The cost of a policy goes up for over 50s because you generally have a higher chance of getting ill or having an accident while abroad. Medical treatment and repatriation costs can be very expensive, so your insurer needs to make sure you have enough cover in place in the unlikely event that you need either of these services.

If you have a pre-existing medical condition, that could also affect the price of your policy. It’s important that you openly declare any medical conditions when buying your policy to make sure you’ve got the right cover in place. If you go on to become unwell or seriously ill on holiday as a result of a pre-existing condition you’ve not declared, you run the risk of  being unable to make a claim for any medical expenses related to it.

Will my EHIC cover me while I'm on holiday?

If your EHIC is still valid, it’ll cover you for state-level healthcare in Europe. If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC). For more information see our guide on EHIC changes or apply for a GHIC card at NHS.UK.

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