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Home » Travel insurance » Over 50’s Travel Insurance

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Travel Insurance for over 50 with medical conditions

Travel Insurance for over 50s covers you for medical emergencies while away, even those related to Covid-19. This means you can travel with peace of mind, knowing you do not need to worry about unexpected medical bills.

Make AllClear your travel companion and travel with peace of mind.

What is Travel Insurance for over 50s?

AllClear has helped millions of over 50s with comprehensive Travel Insurance for pre-existing medical conditions. We understand that having a pre-existing medical condition can make it hard to Travel Insurance over 50. As a specialist provider, AllClear can help you.

We offer Medical Travel Insurance with up to £15 million cover for emergency medical expenses. With an AllClear policy, you’ll be fully protected, so you can relax and enjoy your holiday.

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

What to do if you have a pre-existing medical condition?

Travel Insurance for the over 50s is essential for anyone with a pre-existing medical condition. Specialist Medical Travel Insurance by AllClear offers cover for those over 50 with medical conditions that may not be offered cover elsewhere.

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

What is the best Travel Insurance for pre-existing medical conditions?

The best Travel Insurance for pre-existing medical conditions can be tailored to suit you and your individual needs. It should be both comprehensive and good value for money. Look for a policy that includes; cover for pre-existing medical conditions, medical expenses, and cancellation without any upper age limits. It should also include Covid cover.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Covid cover for the over 50s

Covid cover is still one of the top three features you look for when buying Travel Insurance, according to our survey.2

Our Travel Insurance with Covid cover will cover you for emergency medical treatment and cancellations due to a positive Covid diagnosis.

GHIC cover for over 50s

The GHIC card (which replaced the EHIC card) offers you the same level of cover while you’re in an EU country as a resident of that country.

However, the GHIC card will not cover all medical circumstances, such as repatriation back to the UK. That’s why it’s essential also to have cover in place before you travel.

Tailored Travel Insurance and optional extras for the over 50s

Did you know that 61%2 of over 50 survey respondents plan to spend more than £3,000 for multiple holidays abroad this year?

Our AllClear branded policies offer a host of optional extras to fully design your policy to suit your individual needs. Whether you’re planning to go skiing or play golf, AllClear has the right cover for you.

Cruise Travel Insurance – covers you for cruise specific travel issues

Gadget Cover – we can cover your electronic devices as well!

Golf Cover – if you’re planning to play golf, add golf cover to your policy and let us get you fully covered.

The UK’s No.1 for Travel Insurance3

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

Travel tips for over 50’s

  • For those unforgettable experiences, your AllClear Gold and Gold Plus policies can include jet-skiing, horse riding, scuba diving (up to 30 meters deep), safari and gorilla trekking, cycling, and even camel riding!
  • Book your Travel Insurance early as cancellation cover begins as soon as your policy does. The sooner you buy your Travel Insurance, the more confidence you’ll feel about your cover.
  • Double-check your Travel Insurance documents before your trip. If you have a medical emergency, you’ll need the medical emergency number from your policy. If you have lost your documents, speak to our Customer Care Team via Live Chat or call us on 0800 640 4811 for a copy.

Frequently asked questions about Travel Insurance for over 50’s

How far in advance can you get TravelIinsurance?

To protect your holiday, it’s always best to buy Travel Insurance in advance. Single trip Travel Insurance cover begins on the day of purchase and expires on the specified return date. Annual Travel Insurance can be bought 90 days in advance from when you want it to start and will expire 12 months after.

What's the difference between Single Trip or Annual Multi-trip Travel Insurance for over 50's?

Single trip Travel Insurance: Covers you for a one-off trip on selected dates only. You can travel for up to 92 days.

Annual Multi-trip Travel Insurance: This allows you unlimited travel throughout the year! This is perfect if you’re planning on getting away a few times in the next 12 months because it’s cheaper than buying several single trip Travel Insurance policies.

The maximum trip duration varies between Annual Multi-trip policies.

For example, you can travel up to 45 days per trip for unlimited trips with the AllClear Gold and Gold Plus annual multi-trip cover. And if needed, you can easily extend this with additional days for only a small premium.

Is Travel Insurance on a cruise worth it?

If you are 50 and have medical conditions, we can offer you Cruise Travel Insurance.

Cruise-specific Travel Insurance can offer you cover for all the things found on a standard Travel Insurance policy, but with EXTRA benefits tailored for specific problems that may arise on a cruise holiday.

What pre-existing conditions are covered?

Unlike standard Travel Insurance providers, a specialist Medical Travel Insurance provider will cover your pre-existing medical conditions. Make sure you declare all pre-existing medical conditions during the medical screening process.

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

Yes, be sure to answer that you are on a waiting list for treatment during the Medical Warranty section of your quote.

Plus, if you’d like to be covered for cancelling your holiday due to being on the waiting list, simply Waiting List cover as an optional extra.

How can you make sure you are 'Fit to travel'?

You don’t need to provide us with a fit-to-fly certificate from your doctor. However, you will need to confirm you’re fit to travel when getting a quote or purchasing a policy.

So, if you have a chronic health condition, we recommend consulting with your GP before travelling.

If you need to make a claim, you may require a letter from your doctor. The letter will need to confirm that you were fit to travel when you bought your policy.

What's our medical screening process for over 50's Travel Insurance?

It’s a short set of straightforward questions about your health that will help determine your conditions and make sure you get the right level of cover.

You have to select the medical conditions applicable to you (and any other travellers) and answer a few routine medical questions. That’s it!

What if you buy an over 50's Travel Insurance policy, then your medical conditions change?

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 any changes to ensure that your policy is the most up-to-date and that you’re still covered.

How is the price of over 50's Travel Insurance calculated?

The price of Travel Insurance with medical conditions for those over 50 is based on the following factors:

  • Likelihood of your medical conditions needing treatment while abroad
  • Healthcare costs in your chosen destination and duration of your trip
  • Your age

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 The research was carried out by AllClear among 2,578 people over the age of 50. The survey was conducted online.

3 Ranked first Overall for Travel Insurance on SmartMoneyPeople.com from over 14,300 independent customer reviews on 27/01/2021.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.