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Over 50s travel insurance

Compare travel insurance for over 50s

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Get over 50s travel insurance from £5.07*

  • Find cover for pre-existing medical conditions

  • Compare quotes from up to 431 UK travel insurers

  • Compare different types of policies such as business, single trip or multi trip

1Correct as of March 2024
*The cheapest price for a single trip travel insurance policy. Based on a 50-year-old with no pre-existing medical conditions travelling for 6 nights in Europe. Confused.com data April 2024.

How do I get an over 50s travel insurance quote?

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Tell us about you and your trip

We need to know a few details about you and anyone you want to include on the policy. We also need to know where you're travelling and how long you're travelling for.

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Let us know if you have any medical conditions

If you have any pre-existing medical conditions, you should declare them when you buy insurance. If you don't, your insurance may be invalid.

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Compare quotes

We'll show you a list of quotes from up to 431 trusted UK travel insurance providers. Compare the policy details and prices to find the cover that's most suitable for you.

Why compare over 50s travel insurance quotes with Confused.com?

We compare quotes from 431 travel insurers

  • We work closely with our panel of 431 travel insurance providers to get you our best prices.

We're 100% independent

  • This means we're not owned by an insurance company. So, the prices we show you are based on the details you provide, not who they're from.

We're regulated by the Financial Conduct Authority (FCA)

  • We're regulated by the Financial Conduct Authority (FCA) and so are the insurers we work with. This means we follow strict guidelines to make sure you're treated fairly.

We value your privacy and security

  • We know how important your privacy and security is. So, we have a robust security and privacy policy in place to keep your personal details safe.

What is over 50s travel insurance?

Over 50s travel insurance is designed to meet the needs of travellers over the age of 50. Some insurers offer specialist policies, tailored to over 50s.

Travel insurance covers you against unexpected incidents during your holiday. This includes things like flight delays, lost possessions and cancellations.

How does over 50s travel insurance differ from standard travel insurance?

Standard travel insurance is available for over 50s. But, specialist over 50s policies might include additional cover that isn't typically available as standard with travel insurance. For example:

  • Higher cover levels
  • No upper age limit

The main difference for over 50s travel insurance is the price. Generally, travel insurance is more expensive for older people. This is because the older you are, the higher your risk of injury or illness. You might also find your choice of insurers is more limited, especially if you have pre-existing medical conditions.

Should I buy standard travel insurance or a specialist over 50s policy?

"Policies tailored to over 50s do exist, and they typically include additional cover as standard. But, they might be more expensive than standard policies. It's worth considering whether you need this extra cover. If not, a standard travel insurance policy might offer suitable cover. Comparing quotes is the best way to make sure your policy offers the cover you need."

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

Do I need over 50s travel insurance?

Travel insurance isn't a legal requirement for most countries. But having a policy in place covers you against unexpected circumstances that might impact your trip. This doesn't have to be a specialist over 50s policy though, it could be a standard travel insurance policy.

You should check the entry requirements of the country you're travelling to. In some countries, travel insurance is a legal requirement. For example, you need to be able to prove you have an active travel insurance policy if you're travelling to Cuba. If you don't, you won't be allowed to enter the country.

Free eSIM with up to 2GB of roaming data when you buy travel insurance**

With roaming charges making an unwelcome return, eSIMs are a convenient option when travelling. eSIMs are non-physical and are embedded into most newer smartphones; meaning you won’t have to put anything physical into your device, it should already be there.

How does it work?

Simply buy your travel insurance, claim your free eSIM, and install it onto your device at the tap of a button. Your eSIM with 2GB of roaming data will kick in on a local mobile network when you get to your destination.

Find out more about eSIMs
Image of a mobile asking you to claim your eSIM reward
**eSIM comes with pre-funded credit and the amount of data received in exchange, will vary based on the specific country you select. Compatible devices only. T&C's apply.

What does over 50s travel insurance cover?

Exactly what's covered varies between policies and insurers. So, you should check policy details before you buy insurance to make sure it offers suitable cover.


Over 50s travel insurance typically covers:

  • Emergency medical treatment for you and anyone named on the policy. This normally includes repatriation.
  • Cancellation and curtailment if you need to cancel or cut short your trip due to unexpected circumstances.
  • Theft, loss or damage of your personal belongings, including luggage.
  • Travel disruption due to bad weather, strikes or mechanical issues that impact your flights.

What's typically not covered:

  • Pre-existing medical conditions that aren't declared when you buy your policy. Some conditions may need a specialist policy.
  • Known events that occur before you buy your policy. These are events that could affect your travel, such as the Covid-19 pandemic.
  • Travelling against government advice such as travel advisories for the country you're travelling to.
  • Changing your mind and deciding you don't want to travel.

We compare 43 trusted travel insurance companies1 to find you our best deals

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What policy add-ons can I get with over 50s travel insurance?

Cruise cover

If you're heading off on a cruise, you need cruise cover. This type of insurance covers you for things like cabin confinement or missed ports.

Business cover

If you're travelling for business, you might have company equipment, like a laptop or money, with you. Standard travel insurance doesn't typically offer enough cover for this, so you need business cover.

Golf cover

If you're planning a golfing trip, you might need cover for your golf clubs. Standard over 50s travel insurance might not cover these, so it's worth finding a policy that includes golf cover.

How much does over 50s travel insurance cost?

You might find that over 50s travel insurance is more expensive than travel insurance for younger people. But, the price is also impacted by things like where you're travelling and how long you're going for. Here's how much you might pay depending on where you're travelling to:

Travel destination Price2
Worldwide, including the US, Canada and the Caribbean
Worldwide, excluding the US, Canada and the Caribbean

2The cheapest price for a single trip travel insurance policy. Based on a 50-year-old with no pre-existing medical conditions travelling for 6 nights. Confused.com data April 2024.

What affects the price of travel insurance?

  • Where you're going - Travelling somewhere like the US where medical care is expensive means your insurance costs more.
  • Whether you have any pre-existing conditions - These conditions can increase your chances of needing medical care while away, increasing the cost of insurance. This could include cover for conditions such as diabetes and strokes.
  • Any additional cover - Including policy add-ons makes your insurance more expensive.
  • How long you're travelling for - The longer you're away, the higher your risk of unexpected events impacting your trip.

How can I get cheaper travel insurance?

Avoid policy extras you don't need

If you're not planning to do activities like skiing or taking gadgets with you, consider whether you need to add cover for them to your policy. If you include them, you're paying more than you need to.

Choose the right type of travel insurance

If you only travel once a year, single-trip travel insurance might be cheaper. If you regularly travel throughout the year, it can be more cost-effective to buy an annual policy, rather than multiple single-trip policies.

Compare quotes

When you know what cover you need, shop around and compare quotes to get that cover at the best price possible.

Consider family, couple or group travel insurance

If you're travelling with other people, it could be cheaper to buy 1 policy together, rather than individual ones. However, if someone you're travelling with has a pre-existing medical condition, individual policies might work out cheaper.

Compare over 50s travel insurance quotes

Can I get over 50s travel insurance if I have a pre-existing medical condition?

Yes, you should still be able to get over 50s travel insurance even if you have a pre-existing medical condition. But, you might find your choice of insurers is more limited. It's also generally more expensive.

If you can't find suitable insurance, the Money and Pensions Service (MaPS) has a directory of insurers that offer cover for customers with pre-existing conditions including respiratory problems and heart conditions. You can find their directory of insurers on the MoneyHelper website.

What are the different types of over 50s travel insurance?

There are several types of cover to choose from, each designed to suit a different type of trip. They include:

Single-trip travel insurance

If you're only planning to take 1 trip in the next year, single-trip insurance might be the most suitable option for you.

Annual travel insurance

If you travel multiple times a year, it might be cheaper to buy an annual policy, rather than a single-trip policy for each holiday.

Family travel insurance

If you're planning your family holiday, consider a family policy. This might be cheaper than each person taking out an individual policy.

Couples travel insurance

If you and your partner are planning a trip, it could work out cheaper to buy joint travel insurance. But, it might be more expensive if one of you has a medical condition.

Need more help

Do I need travel insurance if I have an EHIC or GHIC?

Yes, you should still consider buying travel insurance if you have a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC).

The EHIC and GHIC provide you with state-level healthcare in participating EU states. This means you pay the same price as a local citizen for healthcare. Unlike the UK, medical treatment isn't free at the point of use in many of these countries. So, if you're travelling to one of these locations, you're expected to pay for treatment you receive. Travel insurance can help cover these costs.

Travel insurance also covers much more than medical costs. If you lose your luggage, your flights are delayed, or you have to cancel your trip, travel insurance can help cover these costs.

How long can I travel for with over 50s travel insurance?

Most standard over 50s travel insurance policies allow travel for up to 30 days. If you want to go on a longer trip, you may need long stay travel insurance.

Some providers might impose different trip lengths as you get older. Check your policy details to make sure you're covered for your whole trip.

What are the different types of travel insurance?

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Page last reviewed: 01 May 2024

Reviewed by: Alvaro Iturmendi

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