Over 50s travel insurance
If you’re over 50, you can get single trip or annual multi-trip cover in minutes. You can contact us over the phone to get a quote or follow our simple online quote process.
What is travel insurance for the over 50s?
Travel insurance for over 50s includes cover for medical expenses, cancellation, repatriation if medically necessary and much more. We can consider cover for all pre-existing medical conditions so that you can look forward to your trip, no matter your medical history. We also include cover for over 100 sports and activities.
If you have a medical condition you need cover for, you can find out more on our page about travel insurance for pre-existing medical conditions. You can also go through our online medical screening process or contact us.
What does over 50s travel insurance cover?
Key features of our over 50s travel insurance include:
- Medical and hospital expenses (pre-existing conditions must be declared)
- Cover for over 100 adventure sports and activities
- Baggage cover
- Personal money cover
- Holiday cancellation cover
- Personal accident cover
- Accommodation cover
- Legal expenses cover
Pre-existing medical conditions for over 50s
If you need travel insurance for medical conditions – don’t 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, and we’ll tell you if we can cover your condition (we almost always can) and whether you’ll need to pay any extra (you often don’t).
Single and annual multi-trip travel insurance for over 50s
Our single trip travel insurance may be the best option if you’re going away just once this year.
If you’re likely to go abroad a few times during the year, then our annual multi-trip cover could save you time and money instead of buying an individual insurance policy for each trip.
If you’re planning to travel with your family or in a large group, then our family travel insurance or group travel insurance might suit you. Or if you’re going for a romantic trip, just the two of you, we offer couples travel insurance – so you’ll both be covered under the same policy.
Cruise travel insurance for over 50s
Planning on taking a cruise? Then you simply need to add our specialist cruise travel insurance to your policy.
Our cruise holiday insurance includes extra cover for a number of cruise-specific eventualities including cabin confinement, interruption, itinerary changes and more.
Just like our standard travel insurance, we can consider any pre-existing medical conditions on our cruise travel insurance, which also has no upper age limit.
Travel Tips for over 50s
Being 50 or over shouldn’t stop you from travelling the world to your heart’s content. But there are some things you should consider when travelling in your fifties.
- Take advantage of your freedom. One of the perks of getting older is that your holidays are no longer dictated by term times. Make the most of this and travel off to places during the off-season. This can save you money but may also let you experience a new side of a familiar destination.
- Make sure you have plenty of medication. If you are on any medication, make sure you bring enough for your trip and a little extra in case of any delays. It’s worth checking how much you have at least a week before you leave, so you have plenty of time to ask your GP for more.
- Keep moving when travelling. If you’re likely to be sitting for any length of time, especially on a flight, do your best to keep moving. If you cannot get up and walk, remember to keep stretching and try to stand when you can. DVT (deep vein thrombosis) is more likely to affect older travellers, so consider picking up some flight socks as well.
Frequently asked questions
Do I need a GHIC card as well as travel insurance?
British citizens should carry a free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) whenever they travel to Europe. This will cover any necessary treatments you may receive at public healthcare centres or hospitals on your trip. However, it’s important to remember to still have European travel insurance to cover the costs of any unexpected medical treatment the EHIC or GHIC might not cover
What is considered a pre-existing condition for travel insurance?
A pre-existing medical condition is any medical condition for which any person insured on this policy has:
- Taken any prescribed medication or received medical treatment within the last 2 years
- Been registered in or outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
- You must inform InsureandGo of any pre-existing medical conditions you have before purchasing insurance. To do so, you can use our quick and easy online medical screening system.
For your information, examples of conditions that can directly or indirectly be linked to any pre-existing medical condition include, but are not limited to:
- Someone with breathing difficulties who then suffers a chest infection of any kind;
- Someone with high blood pressure or diabetes who then has a heart attack, stroke or mini-stroke;
- Someone who has or has had cancer who suffers with a secondary cancer; or
- Someone with osteoporosis who then suffers with a broken or fractured bone.
How far in advance should I get travel insurance?
You need to buy your travel insurance before you leave the UK, as it’s not usually possible to start a policy once you’re already abroad. Ideally, you should arrange cover as soon as you know you’ll be travelling to ensure you’ll be covered if you unexpectedly have to cancel before you go.