What is travel insurance for over 50s?
Over 50s travel insurance is cover if you are over the age of 50 wishing 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 huge medical bills and unnecessary complications which can arise on trips abroad.
The key benefits of over 50s travel insurance from AllClear are medical expenses coverage up to £15,000,000, cancellation and curtailment coverage up to £5,000, and personal belongings coverage up to £3,000.
Travel with peace of mind with over 50s travel insurance
Read on for our exclusive guide on over 50s travel insurance:
- Why do you need over 50s cover?
- Useful tips for the over 50s traveller
- How to get your quote, in just 3 easy steps
Why do you need over 50s travel insurance?
Did you know that over 22% of all travellers need to seek medical attention when abroad? For example, an air ambulance rescue in the USA could easily cost £80K to 100K.
Yet the Foreign Office estimates that 1 in 10 over 50s don’t get travel insurance when going for a trip, potentially risking huge medical bills, unnecessary complications, and a lot of worry.
But they are in the minority. We surveyed our customers and found they understand the importance of travel insurance in case of a medical emergency.
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.
The main benefits of over 50s travel insurance
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- Any age. Any medical condition. Any destination.
Travel tips for over 50s
Fancy an unforgettable experience? The following are fully covered by our AllClear Gold and Gold Plus policies: jet skiing; horse riding; scuba diving (to 30 metres deep); safari/gorilla trekking; cycling – and even camel riding!*
Make sure to book your travel insurance early because the 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 (check out Making a claim). If you have lost your docs, don’t worry – speak to our Customer Care Team via Live Chat or call us on 01708 339029 and we’ll get your documents resent.
Cruise travel insurance for over 50s
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 at our website AllClear Cruise. One benefit is this increases your cancellation cover to up to £15K per person!
Frequently asked questions
How is the price of your quote 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 cover?
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 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 50s?
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 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.
What’s our medical screening process?
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!