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Home » Travel Insurance for Seniors » Over 50s Travel Insurance

Our Travel Insurance for Over 50s will cover you for any unexpected medical bills when you’re on holiday, as well as any cancellation costs before you go.

What is Over 50s Travel Insurance – and do you need it?

Over 50s Travel Insurance is specialist cover for older travellers, designed to meet your specific needs, including any medical conditions. We’ll cover you for unexpected medical costs, cancellations, delays, lost luggage and repatriation.

Travel Insurance is vital as unexpected medical bills abroad can put a sizeable dent in anyone’s finances.

Remember that your Travel Insurance policy is only valid if you buy it before you leave the UK.

What does AllClear’s Over 50s Travel Insurance cover?

  • What’s covered?

    • Medical cover AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
    • Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency.
    • Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
    • Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight.
    • Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
    • All ages – We think Travel Insurance should be available to as many people as possible, that’s why our UK Travel Insurance policies have no upper age limit.
  • What’s not covered?

    • Deciding not to travel – We do not provide any cover if you can travel but choose not to.
    • Other regions – Your Over 50s Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time. 
    • Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
    • Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can provide you the right cover. This is especially vital for senior travellers, and those with long-term illness
    • Winter sports – While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding.

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum.




Gold Plus


Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance For Over 50s with pre-existing medical conditions

Our Travel Insurance for Over 50s covers you for medical emergencies while away. This means you can travel with peace of mind, knowing you do not need to worry about unexpected medical bills.

But we don’t just cover for accidents or injuries. As a Specialist Medical Travel Insurance provider, we cover over 1,300 pre-existing medical conditions. This means you’ll be covered if you need emergency medical treatment related to your condition while abroad.

Our Medical Travel Insurance offer up to unlimited cover for emergency medical treatment. With an AllClear policy, you’ll be protected, so you can relax and enjoy your holiday.

Discover our over 50 Travel Insurance with medical conditions. We cover conditions including:

To ensure you’re fully covered, you must declare any medical condition during the Medical screening process. Failure to disclose when buying Travel Insurance may leave you without protection.

Find the best Over 50s Travel Insurance for your trip

Whether you’re planning to go skiing or play golf, AllClear has the right cover for you.

  • Planning a long trip? Our Single Trip Travel Insurance will cover you for a single trip of up to 365 consecutive days.
  • Taking multiple trips? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year.
  • Departing on a cruise? Protect yourself against cabin confinement, missed departures and even unused excursions with our Cruise Insurance.
  • Big family holiday? Our Family Travel Insurance covers the entire family (up to 10 people) with a single policy. That means less paperwork and less hassle.
  • Seeing more of the UK? Our UK Travel Insurance covers you against cancelled accommodation or any other holiday mishaps.

Countries covered by our Over 50s Travel Insurance

Our policies can cover you for trips to every destination, including:

  • UK – Our UK policies cover you while on holiday in the UK. Please note that cover for medical expenses does not apply to UK trips.
  • Europe – Get cover for any country in Europe, as well as Egypt, Morocco & Tunisia.
  • Worldwide – Cover for any destination around the world. You can choose to include or exclude the USA, Canada and the Caribbean.

How our Travel Insurance For Over 50s works: A simple 3 step quote process

Getting Over 50s Travel Insurance is made easy with AllClear. Simply complete our quick 3-step screening process to receive your quote.

Here’s how it works.

1 .Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your travel plans. This can be completed over the phone with one of our team members or online.

2 .Complete our simple medical screening process

Next, you need to declare any medical conditions you have and any medications you or your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health.

This way, we can provide the cover that best suits your needs.

3 .Receive your quote

You will then get your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

“Our Over 50s Travel Insurance is designed so you can keep adventuring as you get older. We’re here as your safety net, offering financial protection for all kinds of unexpected issues, from medical emergencies to lost luggage.” We’re here as your safety net, offering financial protection for all kinds of unexpected issues, from medical emergencies to lost luggage.”

Letitia Smith – Travel Insurance expert

What our customers say

Helpful friendly staff

“I have just purchased an Annual Travel Insurance policy from this company. I have to say that the staff were friendly, patient and helpful. For the last few years, I have used a well-known company that specialises in over 50’s but their premiums are almost double those of AllClear and the cover from AllClear is as good if not better in some cases. The paperwork supplied is easy to read and understand. Well worth getting a quote from this company for your needs.” – Steve

We’re the UK’s most trusted Travel Insurance provider3. We’re committed to helping you get the best possible customer service.

 Here’s what our customers had to say about us.

What our Customers Say

Frequently Asked Questions on Over 50s Travel Insurance

Does Travel Insurance cost more when you turn 50?

Age is just one factor which can affect the cost of a policy, alongside;

  • Your destination.
  • Your medical conditions.
  • The length of your trip.

Does Travel Insurance have upper age limits?

We believe that age should not be a barrier to enjoying the world, which is why our Travel Insurance policies have no upper age limit. You can keep exploring the world through your 50s, 60s, 70s and beyond. However, you cannot get cover over the age of 65 for winter sports.

What does Travel Insurance for Over 50s cover?

Travel Insurance for Over 50s covers medical emergency, repatriation, valuables, loss of baggage, and cover for travel delays or missed departures.

At AllClear, we also offer additional extras such as:

  • Waiting List: If you’re on a medical waiting list and have booked your holiday, upgrade to cover against any cancellation or curtailment that may occur as a result.
  • Golf cover: Extra cover for golf-specific issues, including green fees and golf equipment.
  • Gadget cover: Protect your most important items, from phones to laptops for up to up to £3,000.
  • Excess waiver: On some of our policies you can choose to waive the excess and pay nothing in the event of a claim.

When should you buy over 50s Travel Insurance?

You should buy over 50s Travel Insurance as soon as you have booked your holiday. This will mean you’ll be covered if any issues arise between booking and taking your holiday.

Remember that you need to have purchased a Travel Insurance policy before you leave the UK for it to be valid.

Do you need Over 50s Travel Insurance if you have a GHIC card?

You still need a valid Travel Insurance policy even if you have a GHIC. The GHIC, formerly known as the EHIC, is not a replacement for Travel Insurance. It covers you for some unexpected medical costs while in Europe, but it does not cover other costs, such as transport to or from a hospital, as well as lost valuables, cancelled flights or accommodation.

Do you need to declare all your medical conditions for Travel Insurance?

Yes, you need to declare all of your pre-existing medical conditions when buying your travel insurance – even if you feel as though your conditions will not cause any problems. If you don’t, you may find that your policy is invalid and be liable for all costs as a result. 

What factors will affect the cost of Over 50s Travel Insurance?

If you have pre-existing conditions, you need an over 50s Travel Insurance policy that covers them. This will impact the price of your policy.

Other things can affect the price of your policy include:

  • Destination: Some destinations have higher medical costs or greater risks than others. 
  • Trip length: Longer trips mean a higher chance you’ll need to make a claim. If you’re looking for a single-trip policy, the price will depend on how long your planned trip is.
  • Optional extras: You can amend your policy to suit your needs by adding extra cancellation cover, or increased baggage protection. We also offer additional cover for winter sports, cruises, or golf. However, adding this extra protection can impact the price of your policy.

Does being over 50 affect how long you can travel on the Travel Insurance policy?

No, your age does not limit how long you can travel on your Travel Insurance policy. However, your specific policy type does.

  • If you have Single Trip Travel Insurance, you can be away on a single trip for up to 365 consecutive days and still be covered.
  • If you have Annual Multi-Trip Travel Insurance, you can go abroad multiple times a year, but each trip cannot last longer than 45 days.
  • If you need to be away longer than 45 days, you’ll need our Extended Stay optional extra. This extends the cover available per trip to 50 or 55 days, depending on the level of cover you choose.

Does the over 50's Travel Insurance cover include repatriation?

Yes, all our Travel Insurance policies include repatriation cover. If anything happens while you’re away that means you need to be flown back to the UK for treatment, you won’t be out of pocket.

Can you get over 50's cover if you're on a waiting list for treatment?

Yes, you can still get Over 50s Travel Insurance if you’re on the waiting list for treatment. We would recommend getting Waiting List Cover as an optional extra for your policy. This will cover you against any cancellation or curtailment if you’re moved up the list for treatment.

Can someone else join your Travel Insurance policy if they're under 50?

Yes, you can add more people to your Travel Insurance policy, with no age limitations. With our Group Travel Insurance, we can insure between two to ten people on a single policy. You’ll just need to declare anyone in the group has pre-existing medical conditions. 

If you’ve already got a policy that you want to add people to, simply chat with us online or call us on 01708 339026.

How often can you travel with Travel Insurance for over 50s?

There is no limit to how often you can travel if you have Over 50s Travel Insurance. If you have Single Trip Travel Insurance, you’ll only be covered for a single trip of up to 365 days.

If you’re planning to be away more often than once a year, we’d recommend getting Annual Multi-Trip Travel Insurance, as this will cover you for multiple trips throughout the year, but each trip cannot last longer than 31 days.

What if my medical conditions change after buying my policy?

If you’ve purchased over 50s Travel Insurance from AllClear, you can amend your details at any time. Get in touch at the earliest possible opportunity to let us know what has changed concerning your medical condition. Before you travel, let us know of any changes to ensure that your policy is the most up-to-date and that you’re still covered.

Get the most out of your trips with our helpful guides

Get the most out of your trip with our helpful guides.

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations.

What activities do you have planned?

Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add the coverage you need to your policy for a worry-free trip.

+ Based on real AllClear customer claims, 2023.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 22 April 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.