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Over 50s Travel Insurance

Making more time for holidays in your 50s? Choose Travel Insurance around the trip itself, whether that is a weekend break, cruise or longer journey. Declare any medical conditions and compare Single Trip or Annual cover.

Travel Insurance options for travellers aged 50 and over
Three levels of cover to compare: Bronze, Silver and Gold
No upper age limit on many policies (terms apply)
Cancellation and emergency medical cover included (limits apply)

Get a Quote Call us 0800 294 2969

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Do You Need Specialist Travel Insurance After 50?

Your 50s can bring all kinds of travel plans, from regular European breaks and family holidays to longer trips and cruises. The Travel Insurance you need should reflect the holiday you’re actually taking, rather than simply your age.

Turning 50 doesn’t automatically mean you need specialist Travel Insurance. Your destination, trip length, holiday cost, activities and any pre-existing medical conditions will help determine the cover that suits your plans.

For example, annual multi-trip cover may work well if you’re taking several shorter holidays throughout the year, while a higher-value cruise may need a closer look at cancellation limits and the cruise benefits included.

Choose Cover Around Your Travel Plans

One holiday

If you’re planning one holiday, single trip Travel Insurance provides cover for your chosen dates and destinations. Tell us about your holiday and we’ll compare the Single Trip policies available from our panel of insurers. covers the dates and destinations shown on the policy.

Several trips

Annual multi-trip Travel Insurance covers multiple holidays during the policy year. Check the geographical area and maximum duration permitted for each trip and remember that cancellation cover starts on the date you choose the policy to start.

A cruise or higher-value holiday

Select cruise cover when getting a quote if you need cruise-specific benefits. Match the cancellation limit to your non-refundable costs. Eligible single trip policies may offer Boost Cancellation. Terms apply.

An active holiday

Check that every planned activity is covered. Hiking, cycling, golf, diving and winter sports can have different conditions or require an addition to the policy.

Over 50s Travel Insurance with Medical Conditions

Having a pre-existing medical condition doesn’t have to make finding Travel Insurance complicated – that’s why specialists like Just Travel Cover exist!. When getting a quote, tell us about all the medical conditions you’re asked to declare, including those managed with medication, so we can show you the policies available for your circumstances.

Medical screening is based on the conditions you tell us about, with questions relevant to your health. You may be asked about medication, recent tests, treatment or hospital stays, so having these details to hand can make getting a quote easier.

Medical Conditions We Can Help Cover in Your 50s

We can provide cover for hundreds of pre-existing medical conditions, including the examples below.

Heart and circulatory conditions

Even when well managed, declare them where requested. Read about high blood pressure Travel Insurance.

Type 1 and Type 2 diabetes

During medical screening, you may be asked how your diabetes is managed and about any recent complications. See Travel Insurance for diabetes.

Arthritis and joint conditions

Whether you have osteoarthritis, rheumatoid arthritis or another joint condition, it’s important to declare it when arranging your Travel Insurance. Find out more about Travel Insurance for Joint & Bone Conditions.

Menopause and HRT

Declare relevant treatment or related conditions when asked during screening. Read about menopause and HRT Travel Insurance.

If your health changes after you buy the policy, check the policy wording or contact the insurer. A new diagnosis, medication change or planned investigation may need to be reported before travel.

Our Expert Says

“In your 50s, your travel plans can look very different from one holiday to the next. You might be taking several breaks throughout the year, planning a longer trip or heading on a cruise. Think about how often you’ll be travelling, how long you’ll be away and the cover you need, then compare the options that best fit those plans.”

Emma Simpson

Travel Expert at Just Travel Cover

What Can Over 50s Travel Insurance Cover?

Cover and limits vary by insurer and policy. Options available through our panel can include:

Emergency medical expenses and medically necessary repatriation up to £10 million
Cancellation cover up to £50,000 per person (terms apply)
Curtailment cover up to £12,500 per person
Baggage cover up to £3,500 per person
Missed departure cover up to £1,500 per person
24-hour emergency medical assistance

These are maximum limits across policies available through our panel, not standard cover on every policy. Check your quotation and policy wording for the limits, excesses and exclusions that apply.

Exclusions vary between insurers. Depending on the policy, you will not be covered for:

Medical conditions that should have been declared but were not
A change in health that should have been reported before travel
Travelling against medical advice or to receive treatment
Travel to a destination where the FCDO advises against travel
Activities, cruises or winter sports that require additional cover
Known events or deciding that you no longer want to travelTravelling for planned medical treatment abroad.

This is a general guide. Read the policy wording for the exclusions, conditions and claim requirements that apply to your cover.

Medical screening asks questions relevant to the conditions you declare, which may include recent treatment, medication, hospital admissions or changes in your health. Answering accurately allows us to show the policies available for your circumstances.

If your health or medication changes after buying your policy, check whether you need to tell your insurer before travelling.

What Affects the Cost of Travel Insurance Over 50?

The cost of Travel Insurance over 50 will depend on you and the holiday you’re planning. Insurers consider factors such as your age, destination, trip length, medical history, holiday cost and the level of cover you choose. For example, a two-week holiday to the USA may cost more to insure than a short European break due to the higher cost of medical care.

Prices can vary between policies, so it’s important to compare your options and choose cover that suits your holiday and budget.

What Should You Compare Between Policies?

Price is important, but it’s not the only thing to consider. When comparing the policies available to you, look at:

Cancellation cover against the non-refundable cost of your holiday
Emergency medical expenses and repatriation limits
The excess you would need to pay if you claim
Maximum trip duration, particularly if you’re planning a longer holiday
Any cruise, winter sports or activity cover you need

Different insurers and cover levels (Bronze, Silver and Gold) policies can have different limits and benefits. Compare the detail against your holiday rather than choosing by the level name alone.

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Practical Checks Before You Travel

Buy cover soon after booking so eligible cancellation cover can start (it starts immediately on single trip insurance)
Check the policy covers every country, activity and the full trip length.
Keep medication in hand luggage with a prescription copy where appropriate.
Save the emergency assistance number and keep policy details accessible.

For every destination, check current FCDO travel advice. If travelling to an eligible European country, apply for a GHIC. It can help with state healthcare but does not replace Travel Insurance.

More Than 25 Years Helping Travellers Find Cover

Just Travel Cover has helped travellers compare Travel Insurance for more than 25 years. We were named Best Travel Insurance Provider at the customer-voted Insurance Choice Awards in 2023 and Highly Commended in the same category in 2025.
Our UK-based team can explain the policies available from our panel and the differences between them, helping you make your own choice.

Over 50s Travel Insurance FAQs

What does Over 50s Travel Insurance cover?

Depending on the policy you choose, Over 50s Travel Insurance can cover emergency medical expenses, repatriation, cancellation or curtailment, lost or stolen baggage, missed departure and other unexpected events. At Just Travel Cover, you can compare different levels of cover from our panel of insurers, so always check the limits, excess and exclusions before you buy.

Is Over 50s Travel Insurance different from standard Travel Insurance?

Not necessarily. Being over 50 doesn’t automatically mean you need a specialist policy. The right Travel Insurance depends on your destination, trip length, medical history, planned activities and the level of cover you need. We compare policies from our panel of insurers based on the information you provide, so you can choose the option that suits your trip.

How much does Travel Insurance for over 50s cost?

There isn’t one set price for Travel Insurance for over 50s. Your premium will depend on factors including your age, destination, trip duration, medical history and the cover you choose. Once you’ve entered your details, we’ll compare the policies available from our panel of insurers, including different levels of cover where available.

Is Travel Insurance more expensive after 50?

Not always. Age is one factor insurers consider, but your destination, trip length, medical history and level of cover can also affect the price. For example, a long-haul holiday with a higher cancellation cost may cost more to insure than a short European break. Comparing policies lets you see the prices and cover available for your individual trip.

Can I get over 50s Travel Insurance with pre-existing medical conditions?

Yes. We can compare over 50s Travel Insurance with pre-existing medical conditions from our panel of insurers, with cover available for hundreds of conditions, subject to medical screening and insurer acceptance. This can include heart conditions, high blood pressure, diabetes, cancer, joint and bone conditions and respiratory conditions.

You’ll need to declare all relevant medical conditions when getting your quote so the policies you’re shown are based on accurate information.

Can I get Annual Travel Insurance if I’m over 50?

Yes. Annual multi-trip Travel Insurance for over 50s can be a good option if you’re planning several holidays over the next 12 months. Rather than arranging a new policy for every trip, you’ll have cover for multiple holidays within your chosen geographical area. Check the maximum duration allowed for each individual trip before you buy.

Where can I travel with Over 50s Travel Insurance?

You can arrange Over 50s Travel Insurance for destinations around the world, subject to the policy’s geographical limits and current travel advice. Whether you’re planning a European break, a long-haul holiday or a cruise, make sure you select every country you’re visiting when getting your quote. Before booking or travelling, check the latest FCDO travel advice for your destination.

Can my partner be included on my Over 50s Travel Insurance policy?

Yes, where eligible. If you and your partner live at the same address and are travelling together, you can usually be included on the same policy. You’ll each provide your own traveller and medical information, while keeping your Travel Insurance together on one policy.

Can I get Over 50s Travel Insurance for a cruise?

Yes. When getting your quote, answer ‘yes’ when asked if you’re going on a cruise so you can compare policies with cruise-specific cover. Depending on the policy, this can include benefits such as cabin confinement, missed port departure and itinerary changes.

If you’re booking a higher-value cruise, check that your cancellation limit reflects the cost of your holiday too.

When should I buy Over 50s Travel Insurance?

It’s best to arrange your Travel Insurance as soon as you’ve booked your holiday. With Single Trip Travel Insurance, cancellation cover can start from the policy start date, subject to the policy terms. This means you can have cover in place for insured events that could prevent you from travelling, rather than waiting until just before you leave.