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Travel insurance for over 50s

How to find affordable over 50s travel insurance

Mehdi Punjwani
Written by  Mehdi Punjwani
Donna McConnell
Reviewed by  Donna McConnell
6 min read
Updated: 12 Mar 2024

Reaching your 50s shouldn’t mean your travelling days are over - for many, this is when they’re just beginning. This is why insurers offer travel insurance designed for over 50s. Here’s how it works, and how it could benefit you when you’re away on holiday.

What is over 50s travel insurance? 

Over 50s travel insurance is cover designed specifically for people aged 50 and over. It offers levels of protection for pre-existing medical conditions not always available or sometimes more expensive with standard travel insurance.  

This page gives information about a financial product that’s not currently available through MoneySuperMarket. We hope you find this information useful, but bear in mind that we’re unable to help you buy this product at the moment. 

Can I get travel insurance if I’m over 50? 

Yes, if you’re 50 or over you can still get travel insurance, depending on your health you may have to pay more for it. While some insurers and policies have upper age limits, many do not - and when you compare travel insurance with MoneySuperMarket, we’ll show you all the policies you’re eligible for.  

What’s covered by over 50s travel insurance? 

Travel insurance for people over 50 years old will still cover everything a standard policy does, such as: 

  • Cancellation, curtailments and delays: If your holiday or any bookings are cancelled, curtailed or delayed as a result of circumstances outside your control, like extreme weather  

  • Belongings and baggage: If your belongings or items of luggage are stolen, damaged or lost while you’re travelling 

  • Emergency medical treatment: If you need to access emergency medical treatment during your holiday 

  • Coronavirus cover: If all or parts of your holiday are affected by COVID-19 restrictions or events  

However, over 50s travel insurance can offer extra perks, such as cover for medication and medical equipment, and cover for pre-existing medical conditions that aren’t included with standard policies.  

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

Travel insurance for over-50s will often have the same exclusions as regular cover, such as:

  • Activities or sports: Unless you take out specialist cover for certain activities like skiing, snowboarding or diving, these won’t be included on your policy so you won’t be covered if something should go wrong. If you do want to add extra cover, check for age restrictions beforehand 

  • Undisclosed medical conditions: If you need medical treatment for a condition you knew about but didn’t reveal to your insurer, it’s likely you won’t be covered for the cost of the treatment. This is a big one, as medical treatment costs can reach into the hundreds of thousands in some regions 

  • Alcohol or drugs: If you lose your belongings or injure yourself as a result of being under the influence of alcohol or drugs, then you won’t be able to claim on your insurance  

  • Negligence: If a loss of belongings occurs because you left them unattended or in an unlocked vehicle/building, it’s likely you won’t be covered 

  • Travelling against government advice: If the UK government has advised against travel to certain locations, most insurers probably won’t cover you for your visit  

  • Changing your mind: You won’t be able to claim for cancelled or missed bookings if you change your mind and don’t want to go   

Can I get backpacker insurance if I’m over 50? 

You might be able to get backpacker insurance, but many insurers have age limits on these policies that will exclude travellers under 18 or over a certain age. Be sure to check with insurers beforehand - you might have to reach out or look for specialist cover if you can’t find any with mainstream providers. 

Am I covered for pre-existing medical conditions with over 50s travel insurance? 

Yes, over 50s travel insurance is designed to cover people with pre-existing conditions that may not be covered on standard policies. Just remember to always be honest to your insurer and disclose all information relevant to your condition when asked. Otherwise. you may end up in a situation where you’ve paid for cover that you can’t claim on.  

What conditions are covered by over 50s travel insurance? 

You should be able to find a travel insurance policy that covers travellers over 50 years old with any of the following conditions: 

  • Diabetes 

  • High cholesterol  

  • High blood pressure 

  • Heart disease  

  • Asthma  

  • Dementia 

  • Stroke 

  • Crohn’s disease 

  • Epilepsy 

  • Cancer  

What types of over 50s travel insurance are there? 

Travel insurance comes in different shapes and sizes to suit different types of holidays, and the same is true with cover designed for over 50s. You should be able to find the following types of over 50s travel insurance: 

  • Single trip cover: This will cover you for one trip in the next year lasting up to a certain number of days 

  • Annual or multi-trip cover: This covers two or more trips within the next year, though the maximum number of trips per policy can vary between insurers. There may also be a limit on how long each trip can last 

  • European cover: This covers travel to most countries in Europe though the specific list will also vary between insurers. Some policies may cover countries like Turkey as part of Europe, while others won’t 

  • Worldwide cover: If you’re travelling somewhere that isn’t covered by European travel insurance then you’ll need worldwide cover to ensure you’re protected  

  • Couples cover: If you’re travelling with your partner - you must both live at the same address for this type of policy  

  • Family or group cover: Family or group travel insurance policies can offer a way to save money by adding multiple people to one policy rather than taking out multiple individual policies for each person 

  • Adventure sports: Risks involved in adventure or winter sports, like skiing, rock climbing, or scuba-diving, aren’t usually covered by standard insurance so you’ll need specialist cover. Some policies may have upper age limits for certain activities, so make sure to check if they cover over 50s 

  • Golf: A golf travel insurance policy offers extra cover that extends to your equipment, green fees, and other bookings  

  • Cruise cover: Cruise travel insurance offers cover for things like missed departures, emergency medical treatment while at sea, and various other cruise interruptions  

Do I need specialist over 50s travel insurance? 

Specialist over 50s travel insurance is worth considering especially if you have any pre-existing medical conditions. While you might fall within the age limit for some standard policies, they may not offer cover for pre-existing conditions, even if they’re not serious - so it’s best to find cover that offers everything you need. 

How much does over 50s travel insurance cost? 

When you compare travel insurance with MoneySuperMarket, you can find travel insurance for over 50s, that costs on average from *£4.60. However, people aged 50 and over, often pay more for cover. 

This is due to people in this age group being at a higher risk of having pre-existing medical conditions and therefore being more likely to make a claim on their policy. Additionally, older travellers are often more likely to take expensive or higher-end holidays, so this can also affect the cost of cover. 

*Based on MoneySupermarket data for an average daily rate of a single trip travel policy for a 50-54 year old with no pre-existing medical conditions. Prices correct as of 28 February 2024 

What affects the cost of travel insurance for over 50s? 

The cost of travel insurance for over-50s can be affected by the following: 

  • Location: Certain countries or regions may be more expensive to cover due to higher medical costs or more dangerous conditions 

  • Travel duration: Longer or more frequent holidays are naturally more expensive to cover - but an annual or multi-trip policy may be cheaper than multiple individual policies  

  • Activities: Certain activities that are perceived as risky, like adventure or winter sports, or those with expensive equipment like golf, also often require extra cover that adds to your premiums 

  • Pre-existing medical conditions: If you have pre-existing medical conditions, the nature and severity of them may also affect your premiums 

Remember to always be honest with your insurer regarding medical conditions and everything else on your policy. If you need to make a claim and your insurer finds out you gave false information, it’s likely they’ll cancel your cover instead.  

Why compare with MoneySuperMarket? 

Comparing travel insurance quotes for travellers aged over 50 with MoneySuperMarket is a quick and easy way to find affordable cover - even with pre-existing medical conditions. Just tell us about yourself, your travel plans, and any conditions you might have, and we’ll show you deals from providers across the market. 

You’ll be able to compare quotes by the overall cost, the cover you’ll get, and the amount you’ll need to pay in excess when making a claim. Once you’ve found the deal you want, just click through to the provider to finalise your purchase.