Compare over 50s travel insurance quotes

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
2
minute read
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Posted 18 JANUARY 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.

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

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 

From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be 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 local authority, which can be found here.

If a country is on the green 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're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, 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.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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:

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.

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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