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What is Travel Insurance for over 50s?
Travel Insurance for over 50s helps protect the trips you’ve planned against unexpected costs. It can cover cancellation before you leave, emergency medical treatment while you’re away, and the cost of getting home if you’re unable to travel as planned.
At AllClear, you can tell us about your pre-existing medical conditions when you get a quote. You can choose Single Trip cover for one holiday or Annual Multi-Trip cover if you have more travel in mind. There’s no upper age limit on our policies, and our emergency assistance team is available 24/7.
Why do you need Travel Insurance in your 50s?
Your 50s can bring all kinds of travel plans, from a long weekend away to a holiday booked well in advance. Travel Insurance can help if those plans change or you need medical care abroad. Recent figures highlight what to consider:
- Arrange cover when you book. In a 2026 ABTA survey, 81% of people over 45 without children at home who had booked a trip said they already had Travel Insurance. Buying cover when you book can give you cancellation protection from the outset, subject to your policy terms.
- Medical bills can rise quickly. A pancreatitis claim in Honduras cost £100,000, according to recent AllClear customer claims. Check that your policy’s medical cover is suitable for your destination and includes repatriation.
- Tell your insurer about your health. Our travel safety research found that one in four travellers did not declare their full medical history when buying Travel Insurance. An incomplete declaration could affect a later claim, so answer the medical screening questions carefully.
Before choosing a policy, check that it covers your destination, the full length of your trip and the activities you have planned.
Why choose AllClear for over 50s Travel Insurance?
A holiday in your 50s could mean a weekend away, a long-awaited trip or several getaways throughout the year. Your Travel Insurance should always reflect where you’re going, how long you’ll be away and what you need covered.
At AllClear, we specialise in helping people travel with pre-existing medical conditions. You can tell us about your health when you get a quote and choose a level of cover that suits your trip. Our policies also have no upper age limit, so you can return to us as your travel plans change.
Here’s what you can expect from AllClear:
No upper age limit: Stay with AllClear as your travel plans continue beyond your 50s
Medical conditions considered: We can consider more than 1,300 pre-existing conditions
High medical cover limits: Selected policies offer up to unlimited cover and repatriation
Help abroad, day or night: Call our 24/7 medical emergency assistance team
Which? Best Buy policies: Gold, Gold Plus and Platinum were recognised in 2026
Rated highly by customers: 98% rate their AllClear experience ‘Excellent’ or ‘Great’³
What does AllClear’s Travel Insurance for over 50s cover?
If you have to cancel your holiday because you’re unwell, cancellation cover could help with costs you can’t get back. If you need emergency treatment while you’re away, medical cover can help with the bills and, when medically necessary, getting you home. Your policy may also cover lost or stolen belongings.
Have a medical condition? Tell us about it when you get a quote, and we’ll help you find cover that takes your health into account. You can also explore options for trips such as cruises or holidays where you’re taking valuable gadgets.
What’s included depends on the policy you choose. Check your Policy Wording for the full benefits, limits and exclusions before you travel.
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 cutting your trip short – 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 with the right cover. This is especially vital for senior travellers, and those with long-term illness
Choose the right Travel Insurance for over 50s
Think about how you’ll use your policy. If you have one holiday booked, Single Trip cover may be enough. If you’re planning several getaways, compare Annual Multi-Trip cover and check how long you can be away on each trip.
Match your cover to what you’ve booked. A more expensive holiday may need a higher cancellation limit, while a cruise or a trip with valuable gadgets may call for additional cover. Tell us about any pre-existing medical conditions when you get a quote.
Compare the cover limits and excess across your options, then read the Policy Wording before you buy.
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip and apply to AllClear branded policies only
How long can over 50s Travel Insurance cover you?
Over 50s Travel Insurance can cover short breaks and extended holidays. The maximum duration depends on your age, destination and choice of Single Trip or Annual Multi-Trip cover.
| Age | Single Trip | Annual Multi-Trip USA, Canada, Mexico & the Caribbean |
Annual Multi-Trip Other destinations |
|---|---|---|---|
| 50–70 | Up to 365 days | Up to 45 days per trip | Up to 45 days per trip |
| 71 and over | Up to 365 days | Up to 35 days per trip | Up to 45 days per trip |
A Single Trip policy covers one holiday for the dates shown on your policy schedule. Annual Multi-Trip Travel Insurance covers multiple holidays over 12 months, with a combined travel limit of 183 days during the policy year.
The duration available for your trip will be confirmed when you get a quote. Check your policy documents before booking to make sure your entire holiday falls within the applicable limit.
Travel Insurance for over 50s with 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 50s Travel Insurance with medical conditions. We cover conditions including:
- Heart Conditions – We’ll cover cardiovascular issues that affect heart function, including high blood pressure and atrial fibrillation.
- Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD.
- Chronic illnesses – Including long-term issues like Crohn’s disease, cancer, gallstones, diabetes and more.
- Musculoskeletal conditions – Conditions impacting your bones, muscles, and joints, including back problems, osteoarthritis and osteoporosis.
- Neurological conditions – Disorders affecting the brain and nervous system, including strokes, epilepsy and multiple sclerosis.
- Mental health – Including mental health concerns like depression or schizophrenia.
Make sure 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.
Should you declare your pre-existing medical conditions?
Medical screening helps us understand your health and identify the cover available for your trip. When getting a quote for over 50s Travel Insurance, tell us if, during the past two years, you’ve:
- Taken prescribed medication
- Received treatment or medical advice from a hospital, clinic or GP
- Had a medical consultation by phone, video or another remote service
- Received or been offered palliative care
You must also declare if you’re on a waiting list that could cause you to cancel or cut short your holiday, or if you’ve been advised that you have a terminal illness.
Answering the screening questions fully and accurately is important. If relevant medical information is missing, your policy may not cover a claim connected to that condition.
Find the best over 50s Travel Insurance for your trip
Planning a skiing trip or golfing holiday? AllClear offers optional cover designed for your planned activities.
- 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 can cover you for all your trips in a 12-month period.
- 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
Countries covered by our over 50s Travel Insurance
Our policies can cover you for trips to every destination, including:
- UK Travel Insurance – 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 Travel Insurance – Get cover for any country in Europe, including Spain, France, Italy, Portugal, Greece and Cyprus
- Worldwide Travel Insurance – Cover for any destination around the world. You can choose to include or exclude the USA, Canada and the Caribbean
What optional extras can you add to over 50s holiday insurance?
- Cruise cover can provide protection for specific issues related to a cruise, as well as all standard benefits, such as missing a scheduled port stop
- Golf cover covers your clubs and other gear against loss, damage or theft
- Gadget cover is one to think about if you’re taking an expensive phone, camera or laptop with you. Standard Travel Insurance policies might not include enough cover for your most expensive tech, so be sure to get the extra cover you need
- Natural Disaster Cover for certain unrecoverable travel and accommodation costs if an unexpected natural disaster, such as an earthquake or wildfire, affects your trip
- Excess waiver is available on some of our policies, letting you pay nothing if you need to claim
Do over 50s need Travel Insurance alongside a GHIC?
Taking a Global Health Insurance Card (GHIC) can help if you need medically necessary state healthcare in the EEA or another participating country. You’ll receive treatment on the same basis as a local resident, which means you may still need to pay towards your care.
A GHIC doesn’t cover every risk associated with travelling. It won’t pay for:
- Treatment at a private medical facility
- Medical repatriation to the UK
- Cancelling or cutting short your holiday
- Lost, stolen or damaged belongings
- Travel delays or missed departures
Over 50s Travel Insurance can provide wider protection for eligible medical and non-medical costs. Take both your GHIC and Travel Insurance documents with you, and make sure any pre-existing medical conditions have been declared and accepted for cover.
Hear from our GP, Dr Anisha
“Plan for emergencies. Know the location of medical facilities at your destination in case you need medical care. Carry emergency contact numbers, including for your doctor back home, your travel insurance company, and local medical providers.”
Dr Anisha – NHS Practitioner
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 . Get your quote
You will then get your quote(s) and can either proceed to buy or save your quote at this stage.
How to prepare for a Travel Insurance claim
Problems such as illness, lost belongings or cancelled transport can be easier to manage when you know what evidence to collect.
If something goes wrong
- Contact the 24/7 emergency assistance team promptly if you need hospital treatment, medical repatriation or urgent support abroad
- Report theft to the local police and ask for a written report
- Tell your airline or transport provider about delayed or missing baggage and request confirmation
- Keep receipts, medical reports, booking documents and correspondence relating to the incident
- Contact the relevant travel provider first to request any refund or alternative arrangements available
- Follow the claims instructions in your policy documents and submit the requested evidence promptly
Mistakes to avoid
- Don’t arrange medical repatriation without contacting the emergency assistance team
- Don’t throw away receipts, damaged belongings or other potential evidence
- Don’t leave an incident unreported until you return home
- Don’t assume every expense will be reimbursed – check your cover limits, excess and exclusions
- Don’t travel against medical advice, as this may affect your cover
Visit our claims page for more information about starting a claim.
Q: What are your top tips on travelling with medication in your 50s?
A: “Travel with a complete medical file, including:
- A list of all your current medications, dosages, and schedules.
- Copies of prescriptions (in case you need to refill medication abroad).
- A summary of your diagnosis and treatment plan.
- Contact information for your healthcare provider at home.
Keep these documents in your carry-on bag so they’re easily accessible if needed. It’s also helpful to bring a note from your doctor explaining why you’re carrying certain medications, especially if you’re bringing controlled substances, injectable drugs, or liquid medications.”
Dr Anisha – NHS Practitioner
Practical travel tips for over 50s
Good preparation starts long before you reach the airport. Use these tips to plan your cover, organise your health needs and make the journey easier.
When planning your holiday
Match the destination to your needs: Think about journey time, climate, local healthcare and the distance between your accommodation and essential services
Check the pace of your itinerary: Leave enough time between flights, tours and activities so a delay doesn’t disrupt the rest of your plans
Choose suitable accommodation: Look beyond the photographs and check practical details such as stairs, lift access, air conditioning and nearby transport
Protect your booking early: Arrange Travel Insurance once your trip is booked. Cancellation protection starts from the policy purchase date if this cover is included
Before setting off
Review the cover you’ve chosen: Check the destination, travel dates, trip length, excess and benefit limits shown in your policy documents
Update your insurer about health changes: A new diagnosis, medication or treatment after buying your policy could affect your cover, so get in touch before departure
Prepare more medication than you expect to use: Carry a small additional supply in case travel disruption keeps you away longer. Keep it in its original packaging in your hand luggage
Create a travel information pack: Keep digital and printed copies of your policy details, prescriptions, passport, bookings and emergency numbers together
Research your planned activities: Golf, skiing, cruises and other activities may require additional cover
While you’re away
Keep essential information offline: Download maps, translations, booking details and emergency contacts so you can access them without mobile data
Let someone know your plans: Share your itinerary and accommodation details with a trusted contact at home
Monitor official updates: Check FCDO travel advice before departure and during your trip if local conditions change
Save evidence if something goes wrong: Keep receipts, reports and written confirmation from airlines, hotels, police or medical providers in case you need to claim
24/7 medical support while you’re abroad
Even on a short break, falling ill somewhere unfamiliar can leave you unsure whom to call or where to get treatment. With AllClear, you can reach our medical emergency assistance team 24 hours a day, seven days a week.
The team can help you find appropriate care, speak with the medical professionals treating you and explain what happens next. If you’re unable to travel home as planned, they can help coordinate your return when it’s medically necessary and covered by your policy.
Before you go, save the emergency number from your policy documents in your phone and share it with someone you’re travelling with.
What our customers say
What our Customers Say
Over 50 insurance in our case
“Over 50 insurance in our case. Easy to book and use website. Would definitely recommend.”
Over 50s Travel Insurance FAQs
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 £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.
You should buy your over 50s Travel Insurance as soon as you book your trip. This means you’re protected right away if you need to cancel due to unexpected illness, changes to your medical condition, or personal circumstances.
Remember, you need to have purchased a Travel Insurance policy before you leave the UK for it to be valid.
Yes, you do. A Global Health Insurance Card (GHIC) is not enough for travellers aged over 50. It only gives access to basic state healthcare in Europe, and it is not a replacement for Travel Insurance.
It doesn’t cover private medical treatment, repatriation, lost luggage, or trip cancellations. Travel Insurance is essential for full protection abroad.
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.
If you have pre-existing medical conditions, it’s important to choose an over 50s Travel Insurance policy that fully covers them. This makes sure you’re protected abroad and can make valid claims if needed. While this can influence the cost of your policy, several other factors also affect the price:
- Destination: Travelling to countries with high healthcare costs, such as the USA or Canada, can increase your premium due to the potential for higher medical expenses.
- Trip length: The longer your trip, the greater the likelihood of a claim. Single trip policies are priced based on your total time away.
- Optional extras: You can customise your policy with additional cover for things like cruise holidays, golf equipment, gadgets, or enhanced cancellation protection. These upgrades provide peace of mind but may add to the overall cost.
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.
You can choose our Extended Stay optional extra to increase your trip length to 50 or 55 days, unless you’re aged 71 or over and travelling to the USA, Canada, Mexico, or the Caribbean. In that case, the maximum trip length is 35 days, and the extended stay upgrade is not available.
Also, there is a total annual limit of 183 days of travel across all trips with an Annual Multi-trip policy.
Yes. All AllClear Travel Insurance policies include repatriation to the UK in the event of a medical emergency. This ensures you’re not left to cover the cost of returning home if treatment is needed while abroad.
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.
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.
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.
If you’ve bought 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.
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+ Based on real AllClear customer claims, 2023.
⇞ Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days’ travel per year. Individual trip duration limits apply.
Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Dr Anisha Patel is a general practitioner with a specialist interest in women’s health and a bowel cancer survivor. She’s a speaker, health educator, writer and media doctor and works hard within a variety of media outlets to push health education agendas and break down stigmas and taboos.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinium has been 5 Star rated by Defaqto.
