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"Policies tailored to over 50s do exist, and they typically include additional cover as standard. But, they might be more expensive than standard policies. It's worth considering whether you need this extra cover. If not, a standard travel insurance policy might offer suitable cover. Comparing quotes is the best way to make sure your policy offers the cover you need."
Exactly what's covered varies between policies and insurers. So, you should check policy details before you buy insurance to make sure it offers suitable cover.
You might find that over 50s travel insurance is more expensive than travel insurance for younger people. But, the price is also impacted by things like where you're travelling and how long you're going for. Here's how much you might pay depending on where you're travelling to:
| Travel destination | Price2 |
|---|---|
|
Europe
|
£5.07
|
|
Worldwide, including the US, Canada and the Caribbean
|
£26.09
|
|
Worldwide, excluding the US, Canada and the Caribbean
|
£5.70
|
2The cheapest price for a single trip travel insurance policy. Based on a 50-year-old with no pre-existing medical conditions travelling for 6 nights. Confused.com data April 2024.
If you're not planning to do activities like skiing or taking gadgets with you, consider whether you need to add cover for them to your policy. If you include them, you're paying more than you need to.
If you only travel once a year, single-trip travel insurance might be cheaper. If you regularly travel throughout the year, it can be more cost-effective to buy an annual policy, rather than multiple single-trip policies.
When you know what cover you need, shop around and compare quotes to get that cover at the best price possible.
If you're travelling with other people, it could be cheaper to buy 1 policy together, rather than individual ones. However, if someone you're travelling with has a pre-existing medical condition, individual policies might work out cheaper.
There are several types of cover to choose from, each designed to suit a different type of trip. They include:
Couples travel insurance
Yes, you should still consider buying travel insurance if you have a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC).
The EHIC and GHIC provide you with state-level healthcare in participating EU states. This means you pay the same price as a local citizen for healthcare. Unlike the UK, medical treatment isn't free at the point of use in many of these countries. So, if you're travelling to one of these locations, you're expected to pay for treatment you receive. Travel insurance can help cover these costs.
Travel insurance also covers much more than medical costs. If you lose your luggage, your flights are delayed, or you have to cancel your trip, travel insurance can help cover these costs.
Most standard over 50s travel insurance policies allow travel for up to 30 days. If you want to go on a longer trip, you may need long stay travel insurance.
Some providers might impose different trip lengths as you get older. Check your policy details to make sure you're covered for your whole trip.
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Page last reviewed: 01 May 2024
Reviewed by: Alvaro Iturmendi
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