Why do you need over 50’s travel insurance?
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 you do not need to worry about unexpected medical bills.
Make AllClear your travel companion and travel with peace of mind.
You’re over 50 and ready to travel
Whether you’re planning an adventure of a lifetime or a relaxed weekend away, even during the Coronavirus pandemic, you’re ready to travel. In fact, of those that were surveyed by AllClear, there was a 140% increase in those aged 50 to 60 years olds confidence to travel from May to July.
AllClear medical travel insurance for over 50’s
Our AllClear branded policies can cover single people, couples, families and groups.
We offer travel insurance for all medical conditions.
- High Blood Pressure travel insurance
- Diabetes travel insurance
- High Cholesterol travel insurance
- Heart Disease / Heart Attack / Heart Failure travel insurance
Coronavirus cover for the over 50s
The UKs vaccination rollout has offered millions hope that life can return back to normal and travel can safely resume. According to our latest survey (February 2021), 68% feel more confident to travel this summer after their vaccination. Chris Rolland, CEO of AllClear says “A vaccine has transformed fear to hope and will bring forward people’s travel plans.”
In fact, 73% of those survey, are planning to travel overseas once vaccinated.
However, even with the success of the COVID-19 vaccine – coronavirus cover is still essential. For many, Coronavirus cover has become a big factor in people’s choices for travel insurance. More than half (51%) of over 55s asked said they wanted the best insurance cover (as opposed to cheapest) that fully covered them for a wide range of COVID-19 risks. Our enhanced COVID-19 cover will cover medical treatment and for cancellation of your holiday due to a COVID-19 positive diagnosis.
Cover for pre-existing medical conditions for the over 50’s
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 find the right cover. We specialise in covering medical conditions so let us help you today.
We offer up to £15 million cover for emergency medical expenses as well as cover for COVID-19 diagnosis and for cancellation. With an AllClear policy you’ll be fully protected, so you can relax and enjoy your holiday.
What to do if you have a pre-existing medical condition?
Travel Insurance is essential if you have a pre-existing medical condition. To ensure you’re fully covered, you must disclose any medical condition during the screening process. Failure to disclose when buying travel insurance may leave you without protection.
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! They are risking astronomical medical bills, unnecessary complications, and a lot of worry.
For further details on some of the medical conditions covered, see here
- High Blood Pressure travel insurance
- Diabetes travel insurance
- High Cholesterol travel insurance
- Heart Disease/ Heart Attack / Heart Failure travel insurance
Benefits of AllClear Cover
|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|
|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|
Will you be covered if you’re travelling during the COVID-19 pandemic?
There are three things to check so that you can make sure you're covered:
- You must be fit to travel
- The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
- You must follow the local government advice for your destination, checking and following their guidelines and entry requirements
You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.
GHIC cover for Over 50s
Since Brexit in December 2020, the EHIC will no longer be supplied to British holidaymakers. The new GHIC card will replace the EHIC card and will offer you the same level of cover while you’re in an EU country as a resident of that country.
The GHIC card, however, will not cover for all medical circumstances, such as repatriation back to the UK. That’s why it’s important to also have specialist medical travel insurance policy for your pre-existing medical conditions in place before you travel.
What is the best travel insurance for pre-existing medical conditions?
The best travel insurance for pre-existing medical conditions is one that can be tailored to suit you and your individual needs. It should be both comprehensive and good value for money, offering cover for any pre-existing medical conditions, medical expenses, and cancellation without any upper age limits. It should also include enhanced COVID19 cover.
The best way to choose travel insurance is to consider how long you’ll be travelling for, the destinations you will be going, your age and any pre-existing medical conditions. You will then be able to choose a policy tailored to suit you which offers the best value for money.
Flexible, tailored medical travel insurance for the over 50s
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 Cover – providing the FCDO are not advising against cruise holidays then add cruise cover to your policy
- Gadget Cover – we can cover your electronic devices as well!
- Golf Cover – if you are planning on playing golf then add golf cover to your policy and let us get you fully covered
How to get a medical travel insurance quote
Simple 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.
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 confident you can feel about your cover, 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. If you have lost your documents, 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.
Frequently asked questions about travel insurance for over 50’s
How far in advance can you get travel insurance?
To protect any 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 trip travel insurance can be bought 90 days in advance from when you want it to start and will expire around 12 months from this time.
Does being over 50 affect how long you can travel on an over 50's travel insurance policy?
What pre-existing conditions are not covered?
Unlike standard travel insurance providers, a specialist medical travel insurance provider will cover most if not all pre-existing medical conditions. The best way to know if you’re eligible for cover is to declare all pre-existing medical conditions you may have during the screening process.
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.
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.
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.
Is travel insurance on a cruise worth it?
Cruise travel insurance is worth it as it offers valuable peace of mind. Cruise specific travel insurance can offer you cover for all the things that are found on a standard travel insurance policy, but with EXTRA benefits that are tailored for specific problems that may arise on a cruise holiday.
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:
- Travelling Companion
- Waiting List
- Travel Disruption
- Golf cover
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!
By Daniel Davies, AllClear Medical and Travel Content Creator. “It’s important that our customers have the information they need before making their decisions. We go the extra mile so our customers are well informed and feel secure before they travel.”
Edited by Letitia Smith, MSc, Content Manager at AllClear Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.