Why Do You Need Over 50’s Travel Insurance?
Over 50’s travel insurance covers you if you’re over the age of 50 and wish to travel with peace of mind, even if you have pre-existing medical conditions. This type of insurance covers you for medical emergencies, helping to prevent unexpected medical bills, and unnecessary complications that can arise on trips abroad.
It’s vital that you declare all your pre-existing conditions when getting your quote, otherwise you won’t be properly covered in the event of a claim relating to your pre-existing conditions – that’s why it’s always better to be safe than sorry.
Did you know that over 22% of all travellers need to seek medical attention when abroad? Yet the Foreign Office estimates that 1 in 10 over 50s don’t opt for travel insurance when going on a trip, risking potentially astronomical medical bills, unnecessary complications, and a lot of worry. Thankfully, those travellers are in the minority. We surveyed our customers and found that the level of medical cover was the most important factor in their travel insurance.
Make AllClear your travel companion and travel with peace of mind.
You’re Over 50 and Ready to Travel
We know our customers who are over 50 love to travel, and why not?!
So whether you’re planning an adventure of a lifetime or a relaxed weekend away, it’s important that you have travel insurance that gives you complete peace of mind.
Why Choose AllClear? – the Key Benefits of Over 50’s Cover
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £25,000.
- Personal Belongings covered up to £3,000.
- All medical conditions. All ages.
- We’re experts in travel insurance for pre-existing medical conditions.
- There’s no upper age limit on our AllClear Gold and Gold Plus policies.
- All medical conditions are covered
- Medical emergency expenses – covered up up to £15,000,00
- Cancellation/cutting short your trip – covered up to £5,000.
- Personal property – covered up to £3K
- Missed departure/travel delay
Travel Tips for Over 50’s
For those unforgettable experiences, your cover with 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, if you fancy it, 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 confident you can feel about being covered for your trip, whatever happens.
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 (refer to our ‘Making a claim’ page). If you have lost your documents, there’s no need to worry – speak to our Customer Care Team via Live Chat or call us on 0800 640 4811, we’ll get you a copy of your documents in no time.
Cruise Travel Insurance for Over 50’s
Lots of our customers told us that they are planning a cruise for their next trip. We’ve got you covered.
We offer cruise specialist cover, with specific cruise benefits. One benefit is this increases your cancellation cover to up to £25K per person!
Find Cheap Travel Insurance for Over 50 With Our 3 Step Quote Process
1. Call us or click a quote button on our siteOnce you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.
2. Complete our simple medical screening processYou then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.
3. Get your quotesYou will then get your quotes and can either proceed to buy, or save your quote, at this stage.
Frequently Asked Questions About Travel Insurance for over 50’s
Does being over 50 affect how long you can travel on the over 50's travel insurance policy?
We’re pleased to say that no matter your age, you can travel up to:
Can you get over 50's cover if you're on a waiting list for a treatment?
Yes, just 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 being on the waiting list, simply Waiting List cover as an optional extra.
How often can you travel with over 50's travel insurance?
With our over 50’s annual multi-trip travel insurance, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of the cover.
However, there are restrictions on the length of time you can be away for any one trip. You can see the maximum trip duration for each of our providers here.
What if you purchase an over 50's travel policy then your medical conditions change?
If you’ve purchased an over 50’s travel policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.
How is the price of over 50's travel insurance calculated?
The price of your quote is primarily based on the following factors:
- Likelihood of your medical conditions requiring treatment while abroad
- Health care costs in your chosen destination
- The distance of your destination from the UK
- Your age
But you can also choose the level of cover you want on our comparison site, depending on which policy you choose.
What’s the difference between single trip or annual multi-trip travel insurance for over 50's?
It’s quite simple.
→ Single trip travel insurance: Covers you for a one-off trip on selected dates only. You can travel up to 92 days.
→ Annual multi-trip travel insurance: Allows you unlimited travel throughout the entire 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 does change between annual multi-trip policies, however, and you can view these durations here: Maximum trip durations.
As an 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.
Do you need over 50's travel insurance if you have an EHIC card?
If you already have a European Health Insurance Card (EHIC) – great!
But, remember! This only gives you access to the default state healthcare system within a given country. The EHIC does not replace travel insurance. For example, it won’t cover you for:
- Needing to cancel the holiday before you go
- Medical transport (repatriation) to get back home
Having a comprehensive travel insurance policy is even more critical if you’re travelling outside of Europe.
Are there any exclusions for over 50's travel insurance?
No, there are not. Winter Sports is available as an Optional Extra up to the age of 76 on AllClear Gold and Gold Plus policies!
What’s more, we have a diverse list of Optional Extras available to further boost your cover, such as:
How can we help you find over 50's travel insurance for pre-existing medical conditions?
Most travel insurance policies are optional, but if you recently have or had a medical condition such as diabetes, high blood pressure or stroke, buying medical travel insurance might be a pre-requisite to your travel.
We are an experienced medical travel insurance provider. Many of our customers have pre-existing medical conditions. For most medical conditions we can provide full cover, including cancer, heart disease, and diabetes.
How can you make sure you are ‘Fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy. If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you bought your policy, and the date when you were declared unfit to travel.
What’s our medical screening process for over 50's travel insurance?
It’s a short set of simple and straightforward questions about your health.
Unlike many other insurance companies, we don’t want to waste your time by asking too many questions, and we’ve tried to make this part as quick as possible.
Nevertheless, medical screening is still very important and it’ll help determine your conditions and make sure you get the right level of cover.
All you have to do is to select the medical conditions applicable to you (and any other travellers) and answer a few routine medical questions. That’s it!