If you’re over 50, the world is your oyster, and we’re on hand to help with travel insurance policies that cover your needs, from emergency medical expenses, cancellation or lost luggage, to cruising, golfing and even winter sports.
What is over 50s travel insurance and do you need it?
Travel insurance for over 50s includes cover for emergency medical expenses, cancellation, repatriation back to the UK and much more. We’ll even cover all your pre-existing medical conditions so you can look forward to your trip, no matter your medical history. We also include cover for over 100 sports and activities.
Having travel insurance that works for you is extremely important. Although we all hope we won’t need insurance, it’s better to be covered for the unexpected.
- Every week around 3,000 Brits need emergency medical treatment when visiting other countries, according to the Association of British Insurers (ABI).
- Claims we’ve settled for customers in their 50s include; £28,700 for a stress fracture in Turkey, £35,922 for kidney stones in Spain, and £61,968 for a skateboarding accident in Singapore.
- Being hospitalised in California with a stomach bug would set you back £100,000, according to government research.
This is why our policies are designed to protect you from these types of unexpected costs, leaving you to enjoy your trip worry-free.
Make sure you check the wording of your specific policy, as each policy is different.
What does InsureandGo’s over 50s travel insurance cover?
What’s covered?
Our over 50s travel insurance includes:
- Emergency medical expenses cover
- Cover for cancellation of your trip
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Legal expenses cover
- Delayed departure cover
- Personal accident cover
- Our 24-hour emergency assistance team, available to call, day or night
- Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira, The Azores and more. See below for the full list
What’s not covered?
We strive to provide as much cover as possible. However, there are some situations no travel insurance will cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, winter sports, cruises and golf.
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and amount of cover available varies depending on the level of Europe travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The best travel insurance for over 50s
Over 50s travel insurance means the whole world is your oyster. Not sure what travel insurance policy you need? It depends; what kind of trip are you having?
- Just doing one trip this year? Check out our single-trip travel insurance.
- Taking the kids with you? You might want to look into family travel insurance to make sure everyone is covered.
- Heading off with friends? Group travel insurance might suit you and work out cheaper.
- Doing a romantic trip? Our couples travel insurance is no Valentine’s Day treat, but it might give you peace of mind.
- Don’t want a pre-existing medical condition to stop you? Check out our pre-existing medical condition travel insurance.
- Want to check if your current policy still covers you? We can help with that. You can either manage your policy online or give our team a call.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £3,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Travel insurance for over 50s with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
- Heart-related conditions
- High blood pressure
- High cholesterol
- Diabetes
- Asthma
- Disabilities
- Epilepsy or Stroke
- Cancer
Which destinations are covered by our over 50s travel insurance?
We offer over 50s travel insurance policies based on the following destination groupings:
- The UK.
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean).
- Worldwide.
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re unsure which area your trip falls into, please contact us.
How to book our travel insurance for over 50s
We know planning your holiday can be complex, so we make getting over 50s travel insurance as simple as possible:
1. Let us know about your trip
We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.
“Our over 50s travel insurance policies come with all the standard cover, such as lost valuables and medical cover. If you’re doing something special, like a cruise, hiking or golfing, don’t forget to add that to your cover.”
Letitia Smith – Travel insurance expert
Our reviews speak for themselves
Booking with us? You’re in good company. Here’s what our other customers had to say about us.
Frequently asked questions on travel insurance for over 50s
Are there any exclusions for over 50s travel insurance?
Most of our policies have no upper age limit. However, we cannot cover anyone over the age of 65 for winter sports, such as skiing or snowboarding.
Each policy is different, so be sure to check the exact wording of your policy before you purchase. If you’re stuck, you can always give us a call to be sure. We’ll be happy to help.
Will my policy be more expensive if I’m over 50?
Does my over 50s travel insurance change depending on where I’m going?
Yes, the cost of your over 50s travel insurance policy will change depending on where you’re going. The cost is typically reflective of the medical costs in that country. For example, you’ll see a higher cost for over 50s travel insurance in the US, where medical costs are very high.
Do I need a GHIC card as well as travel insurance?
Yes. The GHIC is not an alternative to over 50s travel insurance and does not cover all costs that might be associated with your trip, such as transportation to and from a hospital, lost luggage or stolen valuables. The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.
What is considered a pre-existing condition for travel insurance?
For your travel insurance, we consider a pre-existing condition to be any condition where you have:
- Taken any prescribed medication or required medical treatment within the last 2 years
- Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
Before buying an over 50s travel insurance policy, you must declare any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.
What happens if I don’t declare a pre-existing condition on my travel insurance?
If you don’t declare your pre-existing medical conditions on your travel insurance policy, any unexpected medical costs related to this condition will not be covered and you’ll need to pay for them yourself. In extreme cases, you may find that your entire policy is invalidated. Be sure to check the policy wording.
How far in advance should I get travel insurance?
You should buy your travel insurance as soon as you have booked your trip. This is a good idea because then you’re unlikely to forget to book insurance, and you’ll be covered for your trip. If you don’t get over 50s travel insurance right away, you should arrange it as soon as possible. Remember that your travel insurance for over 50s will only be valid if you purchase it before you leave the UK.
Who can buy an InsureandGo over 50s travel insurance policy?
All our over 50s travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of buying
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our over 50s travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.