Over 50s Travel Insurance

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Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£4,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£5,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£2,500
Cancellation Cover up to
£3,000
Medical Cover up to
£5m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£2,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,000
Cancellation Cover up to
£3,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£1,250
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
N/a
Cancellation Cover up to
N/a

Over 50s Travel Insurance

Compare latest over 50s travel insurance deals

If you are over 50, you may have found that travel insurance is getting more expensive, but if you try a specialist over 50s travel insurance provider you can still get a great deal. You can compare leading offers from specialist over 50s travel insurance providers using our quick and easy travel insurance comparison service.

Finding the best over 50s travel insurance

A good over 50s travel insurance deal may offer features such as:

  • A choice of single trip or annual multi-trip policies – so you can choose the type of cover that fits in with you travel plans for the year
  • Cover for additional people, including people under 50 – for example, if you want to take younger family members on holiday as part of a group trip
  • Discounts for couples or for groups travelling together
  • Cover for most pre-existing medical conditions – you will need to declare these when you apply for travel insurance in order to be covered
  • Many over 50s travel insurance providers have no upper age limit

Depending on which travel insurance provider you choose, over 50s travel insurance could include some of the following benefits:

  • Scheduled Airline Failure as standard
  • 24 hour medical emergency helpline
  • Medical expenses
  • Cancellation cover
  • Golf equipment cover
  • Personal belongings cover
  • Passport replacement service – get instant assistance if your passport is lost or stolen while you are on holiday
  • Children and Grandchildren under the age of 18 can be insured for free when travelling with an adult aged over 21, who is named on the travel insurance policy
  • Winter sports cover – get the right cover for you if you plan on going skiing or snowboarding during your trip. This may include hired ski equipment cover, avalanche cover and piste closure.
  • Cover for cancellation of paid excursions during your trip
  • Cover if your travel or accommodation provider goes out of business

How to get the best over 50s travel insurance deals

Travel insurance for over 50s tends to carry higher premiums, as insurers view them as higher risk as they are more likely to suffer health problems. Even though travel insurance for over 50s can be a bit more expensive that travel insurance for under 50s, it’s simply not worth taking the risk of travelling uninsured. You could end up vastly out of pocket should the worst happen while you’re abroad – for example, a broken leg in the USA could set you back thousands of pounds. Follow these tips to help you find the best over 50s travel cover for you:

  • Shop around – compare several different over 50s travel insurance providers to find the best rates for you
  • Be honest – if you have any pre-existing medical conditions, it’s best to declare them upfront
  • Only buy the cover you need – if you are going on a weekend break in Europe there’s no point paying for a policy that costs more and covers worldwide destinations, so if your trip is closer to home it makes sense to avoid paying for cover that you don’t require
  • Remember to budget for optional extras – remember to add extras such as winter sports cover into your total travel insurance costs when comparing the best deals

Why do I need travel insurance?

It’s very easy to get so caught up in planning your trip that you neglect to buy travel insurance – or just buy the first no-frills policy you can find, which isn’t much better. After all, none of us like to think about something going wrong on our travels. But here are few good reasons why you should always take the time to buy an appropriate travel insurance policy before you set foot on a plane:

  • Your flights could be delayed or cancelled: This may not be a life-or-death situation, but it’s still a major irritation – no one wants to have to hang around an airport for longer than is absolutely necessary. Many policies will compensate you if your flight is delayed for a certain length of time, or if it’s cancelled altogether.
  • You could become ill and need to go to hospital: Living in the UK with the benefit of NHS treatment, it’s easy to forget that much of the world’s healthcare systems operate on a pay-as-you-go premise – so if you need hospital treatment while on holiday and you don’t have adequate travel insurance, you could find yourself being discharged with a very large bill to pay. For example, if you break your leg while on holiday in the USA, your treatment could cost you a small fortune.
  • You could have an accident: If you’re planning on going skiing, snorkelling or skydiving, remember that many standard insurance policies won’t pay out for accidents that occur while taking part in ‘high-risk’ activities like those mentioned above. You will usually need to buy extra cover for these kinds of activities.
  • You might need to cancel your trip at short notice: If a family emergency or illness arises just before you’re scheduled to depart, you could stand to lose a lot of money if you need to cancel or postpone your journey. Check that your insurance provider covers you for as wide a range of cancellation reasons as possible.
  • Your possessions might get stolen: From major thefts to pickpockets in tourist hotspots, the risk of your money or belongings getting taken is a very good reason to ensure you’ve got the cover you need before you leave.
  • Your baggage might get lost or damaged in transit: Bags ended up in Tunisia rather than Toronto? Or has your suitcase arrived off the plane looking decidedly worse for wear thanks to careless handling in transit? A comprehensive travel insurance policy may mean you’ll be covered for these situations.

What’s covered by travel insurance?

The Foreign Travel Commission advises taking out a travel insurance policy that offers:

  • Medical and health cover for an injury or sudden illness abroad – with a minimum of £2m
  • 24-hour emergency service and assistance – useful if you get stranded
  • Personal liability cover – in case you damage something or injure someone and are sued
  • Lost/stolen possessions cover – look for a policy that covers both scenarios
  • Cancellation and curtailment cover – essential if you need to cancel or cut short your trip due to an unforeseen emergency at home
  • Terrorism – this is now covered by the majority of travel insurance policies, but check before you buy

What’s not usually covered by travel insurance?

The following are usually excluded from standard travel insurance policies:

  • Incidents related to drink or drugs
  • Incidents in which you have not taken reasonable care of your belongings – in the eyes of the insurance provider, you have a responsibility to do your best to ensure the security of your possessions or you won’t be covered

Types of travel insurance

  • Single trip – This will cover you for one trip, and is most cost-effective if you’re only planning on going away less than 2-3 times in a year.
  • Annual multi-trip – If you’re a frequent traveller, annual cover may be more cost-effective. This will usually cover you for an unlimited number of trips in a year, up to a maximum duration per trip (usually around a month)
  • Gap year/backpacker travel insurance – If you’re travelling for between three months and a year, you are likely to need specialist backpacker or gap year insurance, which is offered by many providers.
  • Winter Sports/Hazardous activities cover – You’ll need to take out extra cover for activities that are commonly excluded from standard policies – if you’re going skiing, bungee jumping or mountaineering, look for a policy that covers hazardous activities.
  • Specialist cover – if you have a pre-existing medical condition or are over a certain age, you’ll often need to find a specialist travel insurance provider. Cover may be more expensive than standard because you’re deemed a higher risk by the insurance company.