Modified on 29th Aug 2019

A guide over 50 travel insurance

Although you’re now in the prime of your life – being over 50 can see the cost of your travel insurance shoot up.

This can seem a bit frustrating, especially if you’ve never had to claim. You might wonder if it’s worth the additional expense. We reckon it is and here’s why.

The benefits of taking out over 50 travel insurance

The obvious benefit to buying travel insurance is that you won’t be left out of pocket if something happens. Just because you haven’t had any unfortunate incidents whilst on holiday in the past – it doesn’t mean you won’t in future.

People often become unwell, or have an accident. Sometimes you have to cancel the trip entirely just a few days before your departure date.

Having a specialised over 50s travel insurance policy can give you complete peace of mind. So you can enjoy your trip to Spain, America – or wherever it is you’re heading – without any worries.

And at Medical Travel Compared, we’ll look to find you the best deal. There are other benefits to travel insurance. Such as access to a 24-hour emergency medical assistance line, and cover for personal belongings and travel delays.

What’s the best travel insurance for over 50s?

Even at 50 – you can still find a good deal on travel insurance. Lots of providers compete to offers the best prices on over 50s travel insurance policies – and we can help you find them. It might be one of the bigger names you’ve heard of, or a smaller company.

You can compare quotes offering by each of them, based on your own requirements and personal information. Then, simply choose the one which is right for you.

We wouldn’t recommend just going for the cheapest option, however. But the one that offers the best value. The least expensive might not cover everything you need – such as a pre-existing medical condition – so you should read the policy before making any commitment.

Medical Travel Compared will only get you quotes from reputable insurance providers. All the companies featured on our comparison platform are authorised and regulated by the Financial Conduct Authority – so you can be certain of their reliability.

Read our guide on Buying Travel Insurance Online for further information about how to choose the right policy.

Over 50s travel insurance with medical conditions

If you live with a pre-existing medical condition, it’s essential you declare it. Failing to do so could invalidate your policy. Even if your conditions are well managed and do not affect your daily living, do not assume that your travel insurer will not want to know about them.

The best way to ensure you have no gaps in your over 50s travel insurance policy is to abide by the Medical Declaration presented to you when you apply for cover. If you’re unsure what medical conditions you need to declare, we have online support available 24/7 to help!

What are the different types of travel insurance available to over 50s?

Over 50s are not really limited in terms of which travel insurance policies they can take out. You can decide whether you want to purchase single trip travel insurance, or annual multi-trip travel insurance.

Both have their benefits. If you’re just planning on going away once this year, then a single-trip policy makes more sense.

But if you’re lucky enough to be going away multiple times, then an annual policy will probably offer better value for money. Should your holiday last longer than the typical trip – i.e. over 30 days – then you can also decide to purchase long-stay travel insurance.

There’s also the option of buying specialised cruise travel insurance– a popular type of holiday for over 50s!

How can I get cheaper over 50s holiday insurance?

Medical Travel Compared can help find cheaper holiday insurance for over 50s. Our comparison platform allows you to look at quotes being offered by numerous providers, and see which offers the cheapest.

But remember, it’s not always about the least expensive. As we’ve mentioned, you need to choose a policy that meets all your needs – that includes cover for any medical conditions you might have.

If you don’t, then you won’t be covered if anything happens as a result of that condition. And we want you to have comprehensive coverage – so you won’t be left out of pocket in the unfortunate case you get sick, or have an accident.

The best travel insurance for over 50s is not always the cheapest. If you need help understanding what it is each provider is offering, you can always speak to our team. We’ll be happy to offer assistance in any way we can. Just get in touch.

Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!

It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-exisiting conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all of your relevant pre-exisiting medical conditions we'll only show you quotes basend on the condiitons you have told us about.

No, we are unable to provide cover with any of your pre-exisiting medical conditions excluded.

No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.

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