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Adventure knows no age, and neither does finding affordable travel insurance at PayingTooMuch. Whether you're planning on jet-setting around the world or embarking on a cruise, our travel insurance for those over 50 makes sure you can travel with peace of mind. From emergency medical treatment, to cancellations and travel delays, your travel insurance can cover you for things outside your control.
So compare quotes for a travel policy that’s right for you.
Your travel policy will normally come with standard cover for over 50s, including things like:
But you’ll also be able to add extras to your policy to suit the type of holiday you’re going on, such as:
Most travel insurance policies won’t cover you for things such as:
There are two types of travel policies you can take out. Which one you go for will depend on your trip.
Single trip travel insurance is perfect for those only heading off on one holiday in a year. You’ll be covered just for the days you’re away and any cancellations in the run-up to your trip.
Annual multi-trip travel insurance is often a more cost-effective way to take out travel insurance if you’re planning multiple holidays in a year. It also means you can save time buying a new policy every time you travel.
Our guide on what to look for when buying travel insurance compares single trip and annual policies. It also explains other things to look out for, such as to make a valid claim your trip must start and end in the UK.
There is no one-size-fits-all cost for travel insurance, but a few things that can make a difference to the price of your policy include:
When you get a quote, you’ll only be shown policies that are suited to your trip and needs. So you know that you’ll have exactly what you need for the trip of a lifetime.
If you're living with a medical condition, it's important to cover them with medical travel insurance. Yes, your policy might cost a bit more, but you can feel confident you're covered if your health unexpectedly changes your holiday plans or if you need medical care while you're away.
Common conditions you'll need cover for include:
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Travel insurance for over 50s can cover you for things like:
- Emergency medical treatment
- Cancellation cover
- Lost passport or money
- Lost luggage
- Getting you home in an emergency
And much more. So you can head off on new adventures with peace of mind that you’re protected in case something goes wrong.
You might find that your travel policy costs more as you get older. This is because there’s a much higher chance of having a medical emergency abroad, or needing to cancel your policy as you get older.
But there are lots of different things that can make your travel policy more expensive, such as what extras you need, where you’re going and if you have medical conditions. Our guide on how much your travel insurance could cost explores the different things that can affect your travel insurance.
There are different types of travel insurance policies available for over 50s. The type of policy you go for should depend on what type of trip you’re going on.
But the type of travel policy you need can vary from person to person, so we’ve put together a guide on what to look for when buying travel insurance. This compares single trip and annual policies, and other things to look out for.
If you’ve been through the menopause or had symptoms related to the menopause in the last two years, then tell us about this when you take out your policy. This includes:
- Any doctor or hospital consultations or appointments
- Treatments or investigations
- Medications such as HRT
This way you’ll be covered if you need medical treatment related to the menopause when you’re on holiday.
While a GHIC is useful for accessing free or subsidised healthcare across Europe, it isn’t a substitute for travel insurance.
Your travel insurance covers you for things like cancellations, getting you home in an emergency and lost luggage, money and passports. None of these will be covered with just a GHIC, so it’s a good idea to have both.
Most travel insurers prefer you to carry a GHIC as well as your travel policy, as you can often get excess waivers for medical treatment if you need to claim. You can find more information in our guide on how to apply for a GHIC and which countries it’s valid for.
It’s a good idea to take out travel insurance as soon as you’ve booked your holiday. It’s not compulsory, but it means you’ll be covered for cancellations. This is important to think about if you’re booking a cruise or another trip well in advance, as a lot can happen in a few years.
The sooner you book, the sooner you’ll have ticked off your holiday packing checklist.