Over 50s travel insurance
Up to £20m medical cover
For emergency illness and injury
Protect your belongings
Up to £3K if your things are lost, stolen or damaged
5 Star rated cover
Our Platinum cover has Defaqto's highest rating
What’s over 50s travel insurance?
It’s simply travel insurance that caters to the needs of holidaymakers over the age of 50.
Going on a luxury cruise or do you need cover for a specific health condition? You can tailor your policy with us to suit your next getaway.
Travel insurance is there to protect you if something goes wrong on your holiday, whether that’s lost baggage or emergency medical expenses.
What does over 50s travel insurance cover?
Here are a few of the things our travel insurance covers. Remember there are some policy limits and exclusions to be aware of, so always check your policy book.
Emergency medical expenses
If you get ill or are injured abroad, we'll cover reasonable and necessary emergency medical costs.
Delayed or missed departure
We'll cover reasonable and necessary travel and accommodation expenses if your trip's delayed or you miss transport for unforeseen reasons.
Personal accident cover
If you have an accident abroad and are seriously injured, we'll pay out up to £25K, depending on your level of cover.
Lost or stolen belongings
If your belongings are lost, stolen or damaged accidentally (or deliberately by someone else), you can claim up to your policy limits.
Personal liability and legal assistance
We'll pay for reasonable legal costs to help you claim compensation for injury, illness or death during your holiday.
What's not covered?
- Flights cancelled or delayed for any reason other than severe weather, strike, or mechanical breakdown (unless you've bought extra cover)
- Claims related to flights that don't start or end in the UK (connecting flights), unless you've bought extra cover
- Trip cancellation because you've changed your mind
- Pre-existing conditions you've not declared
- Claims related to death or illness of someone not on the policy linked to conditions they had when you bought your policy
- Lost or stolen items you've left unattended
- Claims where you can't give us evidence, for example, a police report or receipts
- Being denied entry because you don't have passports or the correct visas
- Extreme sports, winter sports or cruise trips unless you've paid for the additional cover
- Circumstances that aren't specified in your policy
This list isn't exhaustive and doesn't include exclusions for our specialist travel insurance like cruise and winter sports.
For more information on what is and isn't covered, read our policy book.
Choose from three levels of cover
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Excess | £100 | £75 | £50 |
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £3K |
| Money and documents | £300 | £400 | £500 |
| Personal accident | £10K | £15K | £25K |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20K | £20K | £30K |
| Catastrophe cover | £1K | £1.5K |
What's excess?
Excess is the amount of money you pay to your insurance provider if you need to make a claim on your travel insurance. This applies to each insured person for each type of claim you make.
What are the different types of over 50s travel insurance?
There are different options of cover, so you can pick what's best for you and your travel plans.
Single trip insurance
This covers you for one trip that lasts up to 365 days.
It's for travellers between 18 and 100, depending on where you're heading!
Annual trip insurance
Annual multi-trip insurance covers you for 12 months and includes an unlimited number of trips that last up to 31 days each.
It's for travellers aged between 18 and 90, depending on where you're planning to head to.
Family travel insurance
Looking to get away with the whole family? A family travel insurance policy could be right for you.
It covers up to a maximum of two adults and five children who live at the same address.
What's a pre-existing condition?
We define a pre-existing condition as an illness or injury that:
- has been identified by a medical professional
- is under investigation by a medical professional
- is known to you before your policy starts
A pre-existing condition includes things like:
If you have a pre-existing condition, you need to let us know about it before you buy your policy, otherwise you may not be covered.
MoneyHelper directory
If we can't cover your medical condition, you can use the MoneyHelper directory to find a specialist insurer who might be able to cover you if you've been:
- refused travel insurance or had your policy cancelled
- offered cover with a medical exclusion that you can't remove from your policy
- quoted a price for a travel insurance policy with high medical costs
MoneyHelper makes it easier to find and compare policies you can afford that cover your condition and medical needs. Access the MoneyHelper directory online or call MoneyHelper on 0800 138 7777 (phone lines are open Monday to Friday 8:00am - 6:00pm, excluding bank holidays).
Visit the MoneyHelper DirectoryReporting a pre-existing condition
To cover your pre-existing conditions, you need to:
Declare them on your policy
If you're unsure what you need to tell us, call us on 0333 234 9913.
Wait for our confirmation
We'll let you know via email if your condition is covered.
Pay any additional costs
You won't be covered until you've paid for the policy.
Does over 50s travel insurance cost more?
The cost of policies always depends on where you're going, how long you're going for, and what you're going to get up to on your trip.
The price might be higher if you have a pre-existing condition which you need to pay extra for.
Get a quoteUpgrade your cover
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.
You'll need to add our winter sports or cruise upgrades, otherwise your trip won't be covered.
Gadget cover
Add gadget cover to your policy and get protection for your high-value tech.
Find out moreCruise Insurance
Cover for missed port departure, cabin confinement or unused excursions.
Find out moreWinter Sports Insurance
Cover for events like piste closure and lost, stolen or damaged ski equipment.
Find out moreHow to make a claim
You'll need:
- receipts
- invoices
- medical records
Visit our make a claim page for our contact details.
Your questions answered
What if my medical conditions change after I've bought my policy?
If your medical condition changes after you've brought a policy with us, but before you've gone on holiday, you need to let us know as soon as possible.
We can make sure your policy is up-to-date and you still have the right cover. There may be an extra cost to make sure your condition is covered.
Is there an upper age limit?
The maximum age limit for our policies is up to 90 years old for annual multi-trip policies, and up to 100 years old for single trip policies.
The age limit and level of cover we offer depends on your information and holiday details.
What is excess?
Excess is the amount of money you pay to your insurance provider if you need to make a claim on your travel insurance.
This applies to each insured person for each type of claim you make.
Read our guide on excess waiver travel insurance for more information.
I have a GHIC or a EHIC card, do I still need travel insurance?
Likely, yes.
While the GHIC and EHIC are useful for getting reduced or free medical care, they aren't a stand-in for travel insurance.
They might not cover all the medical costs you need, including repatriation.
Plus, you might still need cover for other things, like lost luggage or delayed flights.
Still have questions?
We’ve answered a bunch of your frequently asked questions.
TRAVEL INSURANCE FAQS
