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Over 50s travel insurance

Whether you’re jetting off for some alone time with your partner or heading out for a round-the-world trip of a lifetime, over 50s travel insurance can make sure you’re covered in case of medical emergencies, cancellations or lost or damaged property.

You’re paying for peace of mind as well as the cover, and it doesn't need to be expensive. If you know where to look, it’s perfectly possible to get cheap travel insurance for over 50s. 


Is over 50s travel insurance right for you?

According to the Foreign Office, 9 out of 10 over 55s get travel insurance. This means that 1 in 10 are going without insurance, potentially risking huge medical bills. Not a good move. While you might not be as wild and reckless as your younger self, having the right travel insurance in place is important – no matter what your age.


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What can over 50s travel insurance cover?

Travel insurance can cover you for a variety of circumstances.

Coverage can include:

- Medical treatment and repatriation to the UK
- Holiday cancellations
- Baggage
- Personal possessions and money cover
- Cover for golf equipment

What about travel insurance for over 50s with medical conditions?

We know one of the major concerns for over 50s seeking travel insurance is whether you can get cover if you have a pre-existing medical condition. Well, it really depends on the insurer. Make sure you declare any medical conditions in advance in case you do have to make a claim, as failure to do so could invalidate your claim. Do you have to pass a medical test? No you don’t. But if you do have a pre-existing condition, chances are you may have to answer a number of in-depth questions about your medical history. While this can be frustrating, it’s just so the insurance company can calculate the level of risk you may pose, and is completely normal. The good news is that more and more insurers are now offering cover to over 50s with pre-existing medical conditions. 

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What type of over 50s travel insurance do you need? 

Maybe you’re embarking on a mid-life gap year. These are increasingly common, often when the kids have gone off to university and family responsibilities have started to ease up. Now’s a great opportunity to take extended leave from your career and see a bit more of the world.

But whether you’re planning an adventure of a lifetime or a slightly more relaxed weekend away, you’ll want to make sure you’ve got an insurance policy to suit your needs.

If it’s an outdoors adventure you’re after, then a comprehensive insurance that covers you for riskier activities such as skiing, abseiling and SCUBA diving is advisable. Or perhaps you just want peace of mind on a weekend trip to Venice and know that your valuables are covered. It’s worth noting that if you’re planning on driving on your trip, you may want insurance that includes rental vehicle cover and personal liability. Remember to get your insurance policy early on if you want to be covered for flight cancellations in case of bad weather too!

If you’re travelling in Europe, don’t forget to get a European Health Insurance Card (EHIC) too. The EHIC is completely free and offers free or discounted health insurance in over 28 countries around Europe. While it’s no substitute for travel insurance, it can save you quite a bit if you do need to use local medical services, and some insurers will waive the excess on a medical claim if you have an EHIC.

To really enjoy your holiday, you’ll want to know you’re covered in case things do go awry. With so many options available, it may seem overwhelming trying to find cheap travel insurance for over 50s.

Luckily, at comparethemarket.com, we’re here to compare over 50s travel insurance policies from across a wide range of insurance providers and cover options. So you can feel confident you’re getting a good deal with the right level of cover for you. Super simples.