Travel Insurance Expert and Head of Communications
Last updatedNovember 27 2025
10 min read
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 or golfing.
What is over 50s travel insurance, and do you need it?
Travel insurance for over 50s with medical conditions 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, too.
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 cost you £100,000, according to government research.
This is why our policies are designed to protect you from unexpected costs, so you can 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?
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 that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that 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
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of 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?
If you’ve already bought annual multi-trip travel insurance for a particular area but are now 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.
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:
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:
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 experts say…
“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.”
Are there any exclusions for over 50s travel insurance?
Our policies have no upper age limit.
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?
The cost of travel insurance policies varies based on several factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there, such as golfing.
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 Global Health Insurance Card (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 these conditions 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?
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
