Over 50s travel insurance

The over 50s are today’s big travelers – healthy, adventurous, and with more free time than the younger generation. In fact, over 50s account for 58% of UK tourism spend. Unsurprisingly, over 50s travel insurance is easily available and uncomplicated. Here’s how to compare over 50s travel insurance quotes and find a policy that suits you.

The over 50s are today’s big travelers – healthy, adventurous, and with more free time than the younger generation. In fact, over 50s account for 58% of UK tourism spend. Unsurprisingly, over 50s travel insurance is easily available and uncomplicated. Here’s how to compare over 50s travel insurance quotes and find a policy that suits you.

Josh Daniels
From the Travel team
9
minute read
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Posted 4 JUNE 2021

What is over 50s travel insurance?

Over 50s travel insurance is simply that – travel insurance for people aged over 50. It rarely has any special features geared to your age. In fact, you’ll often be able to get exactly the same type of policy as a younger person might.

Specialist over 50s insurance providers might offer to cover a particularly wide range of medical conditions, or offer cruise travel insurance or golf travel insurance packages – but these are things all age groups might want.

Each policy is different, so when you compare over 50s travel insurance quotes check the details to make sure you know exactly what’s included.

CORONAVIRUS UPDATE 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

Can I get insurance which covers coronavirus? 

Insurance providers have had to adapt to the constantly evolving coronavirus pandemic. Some now offer cover to protect against incidents related to COVID-19. However, what’s included in this cover can vary between travel insurance providers, so you should compare different policies to find the best protection for you.

The Foreign, Commonwealth & Development Office (FCDO) have regularly set advice for international travel. If they advise against travel to a destination, you won’t normally be covered for your trip. If they do say it’s safe to travel to your destination, then you may be able to make a claim. For example, if you have to cancel your trip, or cut it short, after you or a travel companion falls ill with coronavirus.

As the vaccination program continues to roll out in the UK and around the world, “vaccine passports” are a topic of international conversation. For now, there are no rules or guidance to introduce vaccine passports, but countries will be able to set their own rules as they see fit, which could mean that you’ll need to provide proof of vaccination before you can enter certain countries.

Find the latest information on coronavirus and travel insurance here. 

What does travel insurance for over-50s cover? 

Travel insurance usually offers the general cover everyone needs: 

  • medical treatment and repatriation to the UK 
  • holiday cancellations 
  • baggage 
  • personal possessions and money cover 
  • cover for golf equipment 
  • Coronavirus cover – coronavirus has massively disrupted international travel for more than a year now, so it’s worth finding travel insurance that covers you against things related to COVID-19. Coronavirus cover can include protection against having to cancel, shorten or extend your trip due to illness from COVID-19. 

Over 50s travel insurance is a specialist package that includes added benefits such as: 

  • extra medical and emergency cover – over-50s policies usually cover you for more medical conditions than standard travel insurance. 
  • no age limits cover – unlike standard travel insurance policies, a specialist over 50s policy won’t normally have maximum age limits. 
  • cover for medicines – if you need to take medication with you while travelling, this can be covered. Make sure this is included, as it can be difficult and expensive to replace medication while abroad. 
  • medical/mobility equipment cover – protects these important things against damage, theft or loss. 
  • cover for travel companions on the same policy – if you’re travelling with others, you can insure them too, including carers that need to accompany you. 

Make sure you read the terms and conditions carefully, before you take out cover, so you know exactly what’s covered and what’s not

Where am I insured to go with over 50s travel insurance? 

Just because you’re over 50, there’s no change to where you can and can’t be insured to go. Depending on where you’re going though, you can find different types of cover. For example, if you’re staying in the UK there’s specific cover for staying in the country. Whereas, if you’re going abroad, there are different types of insurance that cover you for travel within Europe, or further worldwide. As a general rule though, the further you go, the more you can expect to pay.

Strangely, some countries outside of Europe are included in a European travel insurance policy. The countries included may differ between insurance providers, but you should check the list to see, as it could save you some money compared to a worldwide policy. Examples of non-European countries sneaking onto the Europe list include: Turkey, Morocco, Egypt, and Cape Verde.

What isn’t covered by over 50s travel insurance? 

Like any type of insurance, you’ll find some things aren’t included in your cover. For over 50s travel insurance, here are some examples of exclusions: 

  • undeclared medical conditions – be as accurate and honest as you can when applying. It might make your policy a bit more expensive, but, if you’re not, you could face having your claim rejected, leaving you to pay the medical bill in full. 
  • activities not listed in the policy wording – if you’re planning on taking part in any adventurous sports while travelling, make sure you disclose this when applying for insurance and check that they’re listed in the policy wording. If they’re not, get extra cover. Otherwise, you won’t be covered for any injuries you get while taking part 
  • people travelling for medical treatment abroad 
  • people travelling against medical advice – if a doctor or medical practitioner has advised you not to travel because of your medical situation, you won’t be covered for anything that goes wrong 
  • claims arising from reckless behaviour or deliberately negligent acts – you shouldn’t be surprised to learn that your insurance provider won’t pay out if you behave recklessly or carelessly. For example, if you leave your bags unattended, it would be your fault if they were stolen, meaning your insurance won’t cover it. 
  • any claims caused while under the influence – this includes by substance abuse or excessive alcohol intake. We all like to make the most of our time away, but, if you injure yourself, or are ill after a few too many drinks or taking drugs, your insurance provider probably won’t accept your claim. Even prescription medication falls into a grey area, so make sure you check your policy wording.

What optional extras come with over 50s travel insurance? 

Here are some examples of the sort of extras you can add to your over 50s travel insurance: 

  • Cruise cover – a popular type of holiday for over 50s, cruises need specific cover to fit the nature of your trip. Cruise cover could protect you against the costs of medical emergencies (including the ship having to port unexpectedly), or simply missing a scheduled port stop.
  • Sports cover – being over 50 doesn’t mean you don’t like to keep active, but make sure you have the right insurance to cover you for any activities you’re taking part in. There’s specialist insurance for water sports, winter sports and extreme sports available too.
  • Golf cover – similar to sports cover, but the chance of injury is usually lower while playing golf. Instead, golf cover is better designed to insure your clubs and other gear against loss, damage or theft . This is sometimes included on an over 50s policy as standard, but check to make sure, and add as an extra if necessary.
  • Gadget cover – if you’re taking expensive gadgets like your phone or fancy camera while travelling, this is definitely one to think about. Standard travel insurance policies might not include enough cover for your most expensive bits of tech, so make sure you get the extra cover you need.

Over 50s travel insurance with pre-existing medical conditions

It’s possible to get over 50s travel insurance with a pre-existing medical condition, such as:

  • high blood pressure
  • heart disease
  • cancer
  • high cholesterol
  • diabetes
  • respiratory problems including asthma
  • joint and bone inflammation
  • chronic illnesses such as cancer or stomach problems
  • depression
  • You don’t have to take a medical test. Your insurance provider will calculate your premiums based on the information you give them. If you make a claim, you might need to show proof of your medical history.
  • You must declare your pre-existing conditions. If you don’t, you risk invalidating your claim. But don’t worry – when you compare over 50s travel insurance quotes with us there’s a handy tool that makes declaring your medical conditions easy.
  • There may be some detailed medical questions. For example, you might need to say when your last bout of illness was, give details of your treatment and say if you’ve been hospitalised. This is perfectly normal, and gives the insurance provider the information they need to calculate your premiums. Be honest – it’ll make it much easier to claim if you need to.

Find out more about pre-existing medical conditions

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

There are a few options you might consider:

How much does travel insurance for over 50s cost? 

The average annual travel insurance policy last year for over 50s cost £87.22**.

**The average premium for travel insurance for over 50s was £87.22, based on Compare the Market data in 2020.

Travel insurance for over 50s can often be more expensive than standard travel insurance. This is because older travellers pose a greater medical risk, which means they’re more likely to make a claim.  

Here are the things that insurance providers consider when working out the cost of your travel insurance: 

  • Age – the older you are, the more expensive you can expect your policy to be 
  • Destination – some destinations are more expensive than others. This could be because medical treatment is more expensive, or because it’s less accessible. The general rule is, the further away you go, the more expensive it can be. 
  • Length of trip – the longer your trip is, the longer you’ll need insurance for, which makes it more expensive 
  • Activities – if you’re taking part in any adventure sports or high-risk activities, you’ll usually pay more to make up for it. 

What should you think about with over 50s travel insurance?

Older doesn't always mean wiser. Well over a third of people (38%) over the age of 55 who take winter sports holidays admit they never check that they are covered for winter sports, significantly above the average of 29% and only 14% of 18-24 year-olds saying they never check if they have the right insurance, according to ABTA. This could leave the over 55s at risk if they have an accident on the slopes without the right insurance for the trip they are going on – so check the policy details.

  • The length of your trip. Even annual travel insurance usually has a limit to the length of trip it will cover – for example, only trips up to 30 days. If you’re planning a longer trip, perhaps taking an adult gap year or enjoying some extra freedom once the kids have left home, you’ll need to make sure your over 50s travel insurance can cope.
  • The activities you plan to do. With active holidays becoming increasingly popular among over 50s – SCUBA diving, in particular, is a favourite of the age group – most over 50s travel insurance is happy to cater for adventurous activities at an extra cost. Opt for the add-ons that cover your plans, and if you have a sudden impulse to go bungee jumping or snowboarding give your insurance provider a call first.
  • Your valuables. Even backpacking teenagers travel with gadgets, so if you’re going for a more luxurious grown-up trip you probably plan to take some pricey personal possessions like expensive cameras or mobile phones. Check what the limits are for lost and stolen possessions on your insurance policy and make sure you have enough cover.

What else should I consider with over 50s travel insurance? 

Here are some other things you need to think about when getting over 50s travel insurance: 

  • Medical cover limits – make sure that you have enough cover for medical expenses you might need while away. You might be surprised to find out how much medical treatment can cost while abroad. To give you an idea, many travel insurance policies provide cover limits in the millions, so don’t leave yourself short just to save a few quid on your premium. 
  • Medical equipment – if you’ve got medical equipment that needs to travel with you, you should make sure that it’s insured against damage, loss or theft. Not only is replacing this equipment annoying and difficult, it can be expensive. 
  • Upper age limits – standard travel insurance policies can have age limits, so be sure to check that you’ll actually be covered before buying a policy. 
  • Exclusions – make sure you’re fully aware of what isn’t covered by your policy. Medical conditions can have quite a few conditions, and if you don’t disclose a condition in your application, it won’t be covered. So make sure you’re as honest and accurate as possible, otherwise you might find you’re not covered when you need it most. 
  • Have your policy documents and contact information –make sure you have all your policy documents with you. Having both a digital and hard copy is best, so if one is lost, you can refer to the other. The same goes for your insurance provider’s contact details. You might need them urgently if something happens.

A quick insurance to-do list

  • Get your travel insurance early so you’re covered for cancellations and check your policy details
  • Take your EHIC card, or apply for a GHIC, if you’re travelling in Europe**.
  • Check you have enough home insurance to keep your home covered while you’re away.
  • Make sure you take the policy numbers with you plus any details of helplines if you need to make a claim.

**After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

Compare over 50s travel insurance quotes

At Compare the Market we compare over 50s travel insurance quotes from a wide range of insurance providers. We show you great value deals and make it easy to choose the cover that’s right for you.

Compare over 50s travel insurance quotes now

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