How to compare over 50s travel insurance quotes
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Let us know about any medical conditions
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1Correct as of February 2025
What does travel insurance cover?
Exactly what's covered varies between policies and insurers. So, it's important to check the policy documents before you buy insurance to make sure you're getting the right cover for you. But here's what you can typically expect from travel insurance:
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Medical cover can cover your medical bills if you need emergency treatment during your holiday.
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Repatriation cover can cover the cost of transporting you home.
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Cancellation cover can cover your costs if you need to cancel your holiday due to an insured reason.
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Disruption cover can cover your costs if your travel plans are impacted by bad weather, strikes or mechanical failure.
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Baggage cover can cover the cost of replacing your belongings if your luggage is lost, stolen or damaged.
There are also some restrictions to look out for, such as:
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Travelling against FCDO advice. If the Foreign, Commonwealth and Development Office (FCDO) advises against travelling to your destination, your insurance won't cover you.
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Undeclared pre-existing medical conditions won't be covered, so you should ensure you declare any medical conditions when you buy your insurance.
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Known events, such as natural disasters, won't be covered if they're considered 'known' when you buy your insurance.
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Changing your mind. Cancellation cover only applies to insured events. So, you won't be able to claim for the cost of your holiday if you simply change your mind.
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Incidents that occur under the influence. If you're injured, injure a third party or damage their property while you're under the influence of drugs or alcohol, your insurance won't cover your associated costs.
Policy add-ons available with over 50s travel insurance
A typical travel insurance policy won't cover everything. But, you can choose to add extra cover to tailor your insurance to your holiday. These come at an added cost, so make sure you carefully consider whether you need them. Let's take a look at some of the policy add-ons you can opt for.
Cruise cover
Business cover
Winter sports cover
Gadget cover
How can I get cheaper travel insurance?
There are a few things you can do to try and find cheap travel insurance:
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Avoid policy extras you don't need
Not all travel insurance policies cover the same things. You might find your chosen policy includes cover that others don't. Read your policy documents carefully to understand what's included before you add extra cover.
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Choose the right type of cover
Planning to take a few different holidays this year? Annual travel insurance might be cheaper than buying separate single-trip policies for each trip you're going on.
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Consider a joint policy
Travelling with the rest of the family? It might work out cheaper to take out family travel insurance, compared to each person having their own policy. You also have the option of couples travel insurance and group travel insurance.
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Compare insurance quotes
The easiest and fastest way to find cheaper travel insurance is to compare quotes. When you know what cover you want, shop around and compare quotes to find suitable cover at the best price possible.
Read our guides on travelling with medical conditions
Do I need over 50s travel insurance?
Types of travel insurance for over 50s
There are several types of cover to choose from, each designed to suit a different type of trip. They include:
Single-trip insurance
Annual travel insurance
Backpackers insurance
Couples travel insurance
Frequently asked questions
Do I need travel insurance if I have an EHIC or GHIC?
The European Health Insurance Card (EHIC) and its replacement, the Global Health Insurance Card (GHIC) aren't substitutes for travel insurance.
The EHIC and GHIC allow you to access state-level healthcare in participating countries. THis means you pay the same price as a citizen of the country you're in. Travel insurance can cover these medical bills.
Travel insurance also covers much more than the EHIC and GHIC. For example, as well as medical treatment, travel insurance can cover lost luggage, travel cancellation and repatriation.
Is there a trip length limit on over 50s travel insurance?
Most standard over 50s travel insurance policies allow travel for up to 120 days. But this will vary depending on the policy. If you want to go on a longer trip, you might need long stay travel insurance.
Some providers might impose shorter trip lengths as you get older. Check your policy details to make sure you're covered for your whole trip.
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