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The Guide to Senior Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The best senior travel insurance options

Tips for selecting travel insurance for seniors, what else seniors need to know about travel insurance, travel insurance for seniors, recapped.

Travel insurance is a smart way to protect the money you have invested in a big trip in case unforeseen hurdles stop you from traveling. Seemingly now more than ever, last-minute changes can disrupt a trip, and in some cases, the money spent on nonrefundable purchases is at risk. There are numerous travel insurance options for people older than 65, but it is important to understand the nuances of senior travel insurance.

Medical issues or situations at (or en route to) your destination can stifle even the best-laid plans. Many credit cards include travel insurance as one of their benefits. These plans can assist in the event of lost or delayed baggage, flight delays and cancellations, and other adjustments to a trip paid for with that particular card.

When buying supplemental senior citizen travel insurance, don’t rely on the default option presented by your travel provider. There are many considerations to take into account, like how far from home you plan to be, the potential for injury or sickness (including your pre-existing medical conditions), and what may already be covered by other insurance plans you have.

For example, medical evacuation may not be covered, but local transportation to a hospital may be. And remember that U.S. health plans or Medicare coverage are especially limited outside of the country.

Here are some options worth reviewing from a handful of insurance providers: Allianz, Medjet, Travelers and your specific travel provider.

Here are a select few senior travel insurance options for people 65 and older.

Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments overseas, even in the local currency and their preferred payment methods, to keep you from paying out of pocket.

For longer trips, it offers an AllTrips Prime Plan in increments of three, six or 12 months (ideal if you plan to vacation elsewhere during the winter months, for example). This plan covers emergency medical transport. The company takes into account certain pre-existing medical conditions so be sure to read the fine print.

If you fall ill or need assistance during your travels, Medjet ’s supplemental coverage for medical transportation helps you get to your home or the hospital of your choice. It includes air medical transport. This is a membership program that covers emergencies and can be tacked onto trips or purchased annually. While not technically travel insurance, this company offers an additional medical transport option for emergencies.

This coverage can be helpful if you're planning to travel in remote or unfamiliar areas, such as on safaris, to secluded islands and other far-flung destinations.

» Learn more: Does travel insurance cover medical expenses?

Most other travel insurers might only get you to the nearest appropriate hospital facility. For travelers younger than 75, Medjet offers no pre-existing medical condition exclusions and it doesn't rule out the same number of activities that other providers might.

3. Travelers

With the option to buy an annual, multi-trip protector, Travelers insurance covers a whole year of trips with the option to upgrade several features. The add-ons include “Cancel For Any Reason” insurance and trip interruption coverage.

4. Your travel provider’s own plan

On certain types of trips, say a cruise or a Caribbean resort that is prone to hurricanes, using the travel provider’s recommended insurance can be a good bet. This coverage is usually offered as an add-on during the booking process, but it can also be added after the reservation.

Most likely, these policies are designed to cover delay or cancellation issues, but be sure to read the fine print to see if medical transportation or trip interruption is also included.

Choosing a provider of your own can make sense when planning your own travel (let’s say a honeymoon to Paris or the Maldives). If a cruise line or safari outfitter offers insurance of its own, that might be the most comprehensive when it comes to that particular provider’s operations.

» Learn more: The best cruise insurance

Deciding if you need travel insurance is the first hurdle. Next comes the task of selecting the right one without spending more than the cost of what you are actually trying to protect. These are some important tips to consider.

Compare plans

It is wise to compare the options available using aggregator websites like SquareMouth (a NerdWallet partner) and InsureMyTrip.com. These sites compare the options from dozens of different providers detailing what they do and do not cover.

Seeing the exclusions as well as considering them within the framework of your trip can help you select the best plan for your travel needs.

Consider existing coverage

Review your existing coverage, whether that is via your health insurance or any credit card protections you may have. Some of the benefits you might be paying extra for when getting supplemental travel insurance may already be covered.

Read the fine print

Don’t base your final decision on price, as sometimes the cheapest policy may be the most restrictive — and the most expensive policy may give you coverage for activities you won't even be doing.

What may seem like an inclusion may actually be disallowed due to a technicality (terrorist attack or war). If you’re not sure, pick up the phone and ask if your specific situation is covered.

Timing is key. The sooner you buy your travel insurance coverage, the more time you have to benefit from it. The price could also rise the closer you get to departure. If you wait until the departure date to buy it, you would be out of luck if the week before you get sick or the destination closes its borders. Buying insurance after an issue arises won't help you.

Travel insurance is a safe way to protect that sunken cost. Spending money on travel, even with the benefit of loyalty program miles and points to offset some of the cost, can be a significant investment. Chances are that you won’t even need it, but like other insurance policies, it can pay off in the event of unforeseen circumstances. Weigh the cost of potential expenses with the insurance plan. Canceling a rental car for a road trip may not be a big deal, but business class flights and a nonrefundable cruise might be.

Credit card coverage only protects you if you use that card to pay for your travel. The Chase Sapphire Reserve® and The Platinum Card® from American Express also offer travel insurance benefits when paying with points, too. Terms apply. Using the right card for your trip can help save money on other potential travel insurance costs.

» Learn more: Best travel insurance options for older adventurers

What may seem like an unnecessary extra cost can actually help save the day in certain circumstances.

It can pay dividends to understand what your existing coverage includes (especially via a particular credit card) so that travelers over 65 make the most advantageous insurance decision for their trips.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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Does My Health Insurance Cover International Travel?

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How to Get Airport Wheelchair Assistance (+ What to Tip)

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From planning to arrival, get helpful tips to make the journey easier.

Travel insurance for over 50s: the complete guide to getting the right cover

Having the right travel insurance for over 50s should give you peace of mind, as well as being affordable, even if you’re travelling with a medical condition.

• Look After My Bills Newsletter Newsletter

Looking for advice on getting travel insurance for over 50s? To keep the cost down, it’s important to consider all of your travel insurance options, especially if you’re travelling more often as you free up the time around retirement age.

Whether you are walking through the Alps, playing golf in the sun or lounging by the pool, it’s vital you arrange your travel insurance before you take off.

But while you may not be as young as you used to be, over 50s should not struggle to arrange a travel insurance policy. 

In many cases you will still be eligible for standard travel insurance although there some policies specifically targeted to holidaymakers over the age of 50 with additional benefits targeted at this demographic.

What does travel insurance for over 50s cover?

Just like any travel insurance policy, travel insurance for the over 50s should cover:

• Emergency medical cover, including repatriation back to the UK
• Cover for cancellation, curtailment and delays
• Baggage and personal belongings cover
• Legal and personal liability cover

However specialist travel insurance policies or policies that are tailored to the needs of the over 50s may also include:

• Additional medical cover, plans may cover a wider range of conditions
• Cover for medicines
• Cover for medical equipment
• Longer trip durations
• No upper age-limit
• Cover for a variety of leisure activities
• Cruise cover
• Gadget cover

In some cases additional benefits – cover for your golf clubs for example or winter sports – could be sold as a bolt-on to the policy for an additional fee.

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( MORE : How to protect yourself against holiday disaster )

How to get the best deal on over 50s travel insurance

Often the only real difference between standard travel insurance and over 50s travel insurance is the price. As you are that little bit older it is more likely that you will have pre-existing medical conditions or fall ill while you away, so cover is generally more expensive.

For this reason it is vital that you shop around to ensure that you don’t pay any more than you need. However, it’s important to note that the cheapest quote won’t always offer the best value and you should check what is covered before you buy.

This means thinking about what your trip will involve and the sort of things you’ll be doing.

While there’s no point paying for features you don’t need you equally don’t want to find yourself unable to claim if something goes wrong.

Over 50s travel insurance checklist

• From ski-ing to golf and water-sports, are ALL the activities you plan to take part in covered? Scope of cover varies substantially between plans.
• Does the policy include end supplier failure, in the event that your airline goes into administration or your hotel goes bust? If you are on a package holiday you should have ATOL protection, but if you’ve booked elements of your trip independently this cover provides valuable peace of mind.
• Are your pre-existing conditions covered? It might be tempting to keep any health problems under your hat, but failure to tell your insurer about any health problems could result in it refusing to pay your claim.
• How long can you be away for? Some policies cap the maximum trip duration at 30 days. If you’ve time on your hands and are planning a longer trip make sure it will be covered.
• What Covid cover is included? Some policies will pay out if a positive Covid test forces you to cancel your trip, or covers medical care and other expenses if you contract Covid while you are away. However this is not standard across all policies so it’s vital you check first.

( MORE : Holiday refunds )

What types over 50s travel insurance can I buy?

Over 50s travel insurance can be purchased on a single-trip or annual basis, depending on the number of times you are likely to go away.

You can also purchase policies for travel within Europe or worldwide cover. Worldwide policies, particularly those including the USA and Canada, are more expensive owing to the higher cost of medical care.

What makes most sense for you will depend on your travel plans. As a general rule, if you are planning more than one trip a year annual (or multi-trip) cover will be the most cost- effective option, however there are exceptions.

If for example you’re planning a week’s ski-ing in the USA – where medical costs are high and winter sports cover required – and a straightforward European city break where you won’t do anything much more adventurous than strolling the streets, two single trip plans could work out cheaper.

Rachel Lacey is a freelance journalist with more than 20 years' experience writing about all areas of personal finance and retirement planning.

After 17 years at Moneywise magazine as both writer and editor, Rachel now writes for a variety of websites and newspapers as well as corporate clients - these include Times Money Mentor, The Mail on Sunday, NerdWallet UK, Money.co.uk, The Money Edit,  and Ideal Home.

She is passionate about financial education and simplifying money matters for all.

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Over 50s travel insurance

Stress-free cover for your carefree years, up to £20m medical cover.

For emergency illness and injury

Protect your belongings

Up to £2.5K if your things are lost, stolen or damaged.

5 Star rated cover

Our Platinum cover has Defaqto's highest rating

What’s over 50s travel insurance?

It’s simply travel insurance that caters to the needs of holidaymakers over the age of 50.

You can tailor your policy to suit your next getaway, whether you’re going on a luxury cruise or need cover for a specific health condition.

What over 50s travel insurance covers

We'll cover you for the following events. Remember policy limits and exclusions apply, so always check your policy book .

Emergency medical expenses

If you become ill or are injured while you're on holiday, we'll cover necessary emergency medical costs.

Delayed or missed departure

We'll cover reasonable travel and accommodation expenses if your trip's delayed or you miss transport for unforeseen reasons.

Personal accident cover

We'll pay up to your policy limits if you have an accident which causes your death, loss of sight or limb, or permanent disablement.

Lost or stolen belongings

If your personal belongings are lost, stolen or accidentally damaged during your trip, you can claim up to your policy limits.

Legal liability and legal assistance

We'll pay for reasonable legal costs to help you claim compensation for injury, illness or death during your holiday.

Cover for specific COVID-19 related events

You can find out more about how COVID-19 could affect your travel insurance on our dedicated FAQ page .

Choose from three levels of cover

What's excess.

Excess is the amount of money you pay to your insurance provider if you need to make a claim on your travel insurance. This applies to each insured person for each type of claim you make.

What's not covered

This list isn't exhaustive and doesn't include exclusions for our specialist travel insurance like cruise and winter sports.

• flights cancelled or delayed for any reason other than adverse weather, strike, or mechanical breakdown
• claims related to flights that don't start or end in the UK (connected flights)
• trip cancellation because you've changed your mind
• pre-existing conditions you've not declared
• claims related to death or illness of someone not on the policy linked to conditions they had when you bought your policy
• lost or stolen items you've left unattended
• claims where you can't give us evidence, for example, a police report or receipts
• being denied entry because you don't have passports or the correct visas
• extreme sports, winter sports or cruise trips unless you've paid for the additional cover
• circumstances that aren't specified in your policy

For more information on what's covered read our policy book .

Guide to your Travel Insurance cover

What's a pre-existing condition.

We define a pre-existing condition as an illness or injury that:

• has been identified by a doctor
• is under investigation by a doctor
• is known to you before your policy starts

A pre-existing condition includes things like:

• high cholesterol
• heart disease
• high blood pressure

If you have a pre-existing condition, you must disclose it to us before you buy your policy, otherwise you won't be covered for any related claims.

Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

Reporting a pre-existing condition

To cover your pre-existing conditions, you need to:

Declare them on your policy

If you're unsure of what to declare, please call us on 0333 234 9913

Wait for our confirmation

We'll let you know via email.

Pay any additional costs

You won't be covered until the premium is paid

Does over 50s travel insurance cost more?

The cost of policies always depends on where you’re going, how long you’re going for, and what you’re going to get up to on your trip.

The price might be higher if you have a pre-existing condition which you need to pay a premium for.

Upgrade your cover

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy. Our Winter Sports Upgrade or Cruise Upgrade need to be added otherwise your trip won't be covered.

Gadget Cover

Add gadget cover to your policy and get protection for your high-value tech.

Cruise Insurance

Cover for missed port departure, cabin confinement or unused excursions.

Winter Sports Insurance

Cover for events like piste closure and lost, stolen or damaged ski equipment.

How to make a claim

You'll need:

• medical records

Visit our make a claim page for our contact details.

Your questions answered

What if my medical conditions change after i've bought my policy.

If your medical condition changes after you've brought a policy with us, but before you've gone on holiday, you need to let us know as soon as possible. We can make sure your policy is up-to-date and you still have the right cover. You might need to pay an extra premium.

Is there an upper age limit?

The maximum age limit for our policies is up to 79 years old for annual multi-trip policies, and up to 85 years old for single trip policies. The age limit and level of cover we offer depends on your information and details of your holiday.

Still have questions?

We’ve answered a bunch of your frequently asked questions.

Useful guides

Travel insurance jargon buster

Holiday cancellation cover and travel insurance

Travel insurance for people with medical conditions

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Over 50s Travel Insurance

Travel insurance for over 50s.

When it comes to travelling, age really is just a number. However, it can often mean more time (and money) to spend visiting the places you’ve always dreamed of. Having over 50s Travel Insurance to cover you during your trip could give you the peace of mind needed to fully relax while on holiday. Wherever you’re heading next, you should make sure you have the best over 50s Travel Insurance in place for you and your needs.

Why Choose Just Travel Cover for Your Over 50s Travel Insurance

At Just Travel Cover, we can provide Travel Insurance for over 50s – in fact there’s no upper age limit, and we can cover hundreds of pre-existing medical conditions too. We’ll compare insurers for you to find a policy that suits your needs. There are usually bronze, silver and gold options, so you can find the best over 50s Travel Insurance for your budget and travel needs. Nobody likes to think that something will go wrong while on holiday, but it is best to be prepared. If you’re an over 50s traveller, finding over 50s Travel Insurance will ensure you’re covered.

Get Cover for Pre-Existing Medical Conditions Over 50

If you’re an over 50s traveller and have a pre-existing medical condition, we can help you find over 50s holiday insurance with medical conditions cover so you can travel with confidence. When declaring your pre-existing medical condition to your Travel Insurance provider, it is important to spare no details about your condition. By being thorough in your explanation, you can rest easy knowing your over 50s Travel Insurance with medical conditions cover is the right policy for you and your travel needs.

Over 50 Travel Advice

Compare over 50 travel insurance, over 50s life insurance.

We’ve teamed up with the UK’s number 1 rated Life Insurance experts iam|INSURED.

Specialising in Guaranteed Over 50s Life Insurance and Life Insurance for those with pre-existing medical conditions, iam|INSURED’s team of highly skilled experts can help find the best policy for you.

Over 50s Travel Insurance FAQs

Frequently asked questions about our Over 50s Travel Insurance.

What does over 50s Travel Insurance cover?

Over 50s Travel Insurance can protect you against medical emergencies or unexpected situations whilst you’re away. At Just Travel Cover we work with specialist insurers to make sure you are protected against the unforeseen, from losing your luggage to needing emergency medical treatment abroad, holiday insurance for over 50s will have you covered.

Where can I go with over 50s Travel Insurance cover?

Anywhere. With our over 50s Travel Insurance it is easier than ever to travel more and make sure you’re fully protected for your needs. We offer Single Trip Travel Insurance which will cover you for a trip up to 365 days and our Annual multi trip Travel Insurance offers protection for unlimited trips, with each trip up to 93 days long.

Do pre-existing medical conditions affect the cost of over 50s Travel Insurance?

Travelling at 50 or over with pre-existing medical conditions may be more expensive due to the increased chance of needing emergency medical treatment abroad – the cost varies from country to country. Having over 50s Travel Insurance that covers emergency medical cover, including pre-existing conditions, could save you thousands in medical bills.

How much does over 50s Travel Insurance cost?

The cost of over 50s Travel Insurance all depends on your own individual circumstances and needs. Travel Insurance prices will vary based on age, destination, trip length and medical history. We offer three options bronze, silver and gold from a range of insurers, to allow you to choose the best policy for you.

Is Travel Insurance for Over 50s more expensive?

There are a number of factors, such as age, destination, trip length and medical history, that can affect the amount you pay for a Travel Insurance Policy. Once you have submitted your details, we will prepare a personalised quote comparing several insurers. This will provide a full list of prices so you can choose the best over 50s Travel Insurance policy  that is suitable for your needs at an affordable price. It may be the case that your over 50s Travel Insurance is more expensive, but this will be determined by a host of other factors, so speak with one of our Travel Insurance experts today.

What pre-existing conditions do you cover for over 50s?

We offer over 50s Travel Cover for a number of medical conditions at all levels of severity, including a terminal prognosis. Some of the conditions we cover are heart conditions, high blood pressure, cholesterol, joint problems (arthritis, back pain), diabetes, cancer, mental health conditions, liver conditions, breathing conditions, circulatory conditions and disabilities, to name but a few.

It is important to declare all pre-existing conditions to ensure you are fully covered in the event of a claim. We will then work on your behalf to find a suitable over 50s Travel Insurance policy.

Simply follow our online medical screening process, call us or for any other questions, drop us a message on our online chat! We are experienced in helping people find over 50s holiday insurance with medical conditions cover, so we can help you too.

Will Just Travel Cover compare Over 50s Travel Insurance on my behalf?

Yes, we work with a panel of specialist providers here at Just Travel Cover. Once you have submitted your details online (or provided over the phone), we will show you all over 50s Travel Insurance options available to you. We have three levels of cover bronze, silver and gold, each offering varying levels of cover depending on your needs.

• Single Trip Travel Insurance for over 50s – for trips up to 365 days
• Annual multi trip Travel Insurance for over 50s – for unlimited trips (each trip up to 93 days)
• Hundreds of pre-existing medical conditions, including terminal prognosis covered
• High levels of cancellation and emergency medical expenses cover
• Travel disruption cover (subject to age and cover level)
• Lost documents, baggage, medications and medical aids cover
• Flexibility – 3 levels of cover to suit your needs
• Travel companions can be included in the same policy
• Zero excess policies available

Instant Cancellation Cover

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, over 50s travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

If you’re over 50, the world is your oyster, and we’re on hand to help with travel insurance policies that cover your needs, from emergency medical expenses, cancellation or lost luggage, to cruising, golfing and even winter sports.

What is over 50s travel insurance and do you need it?

Travel insurance for over 50s includes cover for emergency medical expenses, cancellation, repatriation back to the UK and much more. We’ll even cover all your pre-existing medical conditions so you can look forward to your trip, no matter your medical history. We also include cover for over 100 sports and activities. 

Having travel insurance that works for you is extremely important. Although we all hope we won’t need insurance, it’s better to be covered for the unexpected.

• Every week around 3,000 Brits need emergency medical treatment when visiting other countries, according to the Association of British Insurers (ABI).
• Claims we’ve settled for customers in their 50s include; £28,700 for a stress fracture in Turkey, £35,922 for kidney stones in Spain, and £61,968 for a skateboarding accident in Singapore.
• Being hospitalised in California with a stomach bug would set you back £100,000 , according to government research. 

This is why our policies are designed to protect you from these types of unexpected costs, leaving you to enjoy your trip worry-free.

Make sure you check the wording of your specific policy, as each policy is different.

What does InsureandGo’s over 50s travel insurance cover?

What’s covered.

Our over 50s travel insurance includes:

• Emergency medical expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night
• Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira , The Azores and more. See below for the full list

What’s not covered?

We strive to provide as much cover as possible. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of Europe travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

The best travel insurance for over 50s

Over 50s travel insurance means the whole world is your oyster. Not sure what travel insurance policy you need? It depends; what kind of trip are you having? 

• Just doing one trip this year? Check out our single-trip travel insurance . 
• Taking the kids with you? You might want to look into family travel insurance to make sure everyone is covered. 
• Heading off with friends? Group travel insurance might suit you and work out cheaper. 
• Doing a romantic trip? Our couples travel insurance is no Valentine’s Day treat, but it might give you peace of mind. 
• Don’t want a pre-existing medical condition to stop you? Check out our pre-existing medical condition travel insurance . 
• Want to check if your current policy still covers you? We can help with that. You can either manage your policy online or give our team a call .

Choose a cover level to suit your travel needs

Travel insurance for over 50s with pre-existing medical conditions.

Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.

 Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

Which destinations are covered by our over 50s travel insurance?

We offer over 50s travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean).
• Worldwide .

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re unsure which area your trip falls into, please contact us .

How to book our travel insurance for over 50s

We know planning your holiday can be complex, so we make getting over 50s travel insurance as simple as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.

“Our over 50s travel insurance policies come with all the standard cover, such as lost valuables and medical cover. If you’re doing something special, like a cruise, hiking or golfing, don’t forget to add that to your cover.” Letitia Smith – Travel insurance expert

Our reviews speak for themselves

Booking with us? You’re in good company. Here’s what our other customers had to say about us.

Frequently asked questions on travel insurance for over 50s

Are there any exclusions for over 50s travel insurance.

Most of our policies have no upper age limit. However, we cannot cover anyone over the age of 65 for winter sports, such as skiing or snowboarding. 

Each policy is different, so be sure to check the exact wording of your policy before you purchase. If you’re stuck, you can always give us a call to be sure. We’ll be happy to help.

Will my policy be more expensive if I’m over 50?

The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as skiing or golfing . 

Does my over 50s travel insurance change depending on where I’m going?

Yes, the cost of your over 50s travel insurance policy will change depending on where you’re going. The cost is typically reflective of the medical costs in that country. For example, you’ll see a higher cost for over 50s travel insurance in the US , where medical costs are very high.

Do I need a GHIC card as well as travel insurance?

Yes. The GHIC is not an alternative to over 50s travel insurance and does not cover all costs that might be associated with your trip, such as transportation to and from a hospital, lost luggage or stolen valuables. The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country.

What is considered a pre-existing condition for travel insurance?

For your travel insurance, we consider a pre-existing condition to be any condition where you have: 

• Taken any prescribed medication or required medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying an over 50s travel insurance policy, you must declare any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing medical conditions on your travel insurance policy, any unexpected medical costs related to this condition will not be covered and you’ll need to pay for them yourself. In extreme cases, you may find that your entire policy is invalidated. Be sure to check the policy wording.

How far in advance should I get travel insurance?

You should buy your travel insurance as soon as you have booked your trip. This is a good idea because then you’re unlikely to forget to book insurance, and you’ll be covered for your trip. If you don’t get over 50s travel insurance right away, you should arrange it as soon as possible. Remember that your travel insurance for over 50s will only be valid if you purchase it before you leave the UK.

Who can buy an InsureandGo over 50s travel insurance policy?

All our over 50s travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our over 50s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Travel Insurance For Over 50s and Seniors: What You Need to Know

Regardless of how often you travel, it’s important to consider that health concerns may get in the way of the best experience. Thinking about good travel insurance is critical, especially if you travel solo at fifty-plus . In this article, we cover what type of travel insurance to choose, the best options for travel insurance companies for senior travellers and those over 50, and information to help you select the one that best suits you and your travel plans.

Table of Contents

Our Top Picks for the Best Travel Insurance for Over 50s

Here is what we recommend for travel insurance for travellers over 50s and seniors. Here’s a website that compares several companies on the market from the US: Travel Insurance Comparison Site, Safety Wing for long-term travellers from the US, and Cover-More from Australia for Australian residents.

Safety Wing ↗

The best travel insurance for US frequent and long-term travellers up to 69 years to international destinations worldwide.

Cover More ↗

The best Travel Insurance +65 for Australian citizens, with a wide range of international plans and covers.

Travel Insurance ↗

The best Travel Insurance comparison online tool in the US. Compare different insurance plans from +10 insurance companies.

Southern Cross (for Australians)

Southern Cross offers unlimited medical and evacuation costs. Hence, it makes our list of travel insurance for those over 50s with medical conditions. And if you suddenly have to cancel or change your trip plans before leaving, they cover up to $2,500. If you have already left, the maximum cover is $50,000. This comprehensive travel insurance is remarkable for its $25,000 cover for lost luggage. However, they offer only a maximum of $1,000 cover for lost, stolen, and damaged passports, travel documents, bank cards, and cash.

And while this insurance has no age limit, personal accidents are covered only for individuals between 16 and 80. It is still one of the best travel insurance for over 70s. Nevertheless, Southern Cross gives customers different single- and multi-trip possibilities. Additionally, there are options for cruise, skiing, snowboarding, moped, and motorbike covers.

For all ages, Allianz covers epidemic coverage, emergency medical expenses and transportation, and travel-related accidents. With this travel insurance for seniors over 70, you do not have to worry about trip cancellation, interruption, change, delays, as well as baggage loss, damage, and delay. However, medical assessment is a prerequisite for covering pre-existing conditions.

While Allianz travel insurance offers comprehensive single-trip and multi-trip coverages, packages differ in inclusions. Hence, you have to carefully select one that works best for you. There are options to cover your children or grandchildren while you travel with them.

Travelsafe’s classic plan is a good option if you are from the United States. Their comprehensive travel insurance policy covers trip cancellations, delays, interruptions, missed trip connections, itinerary changes, and pet kennels. For health, they cover medical, dental, and accident expenses. They also include evacuation due to medical, political, security, natural disaster reasons and the repatriation of remains. While accidental death and dismemberment are included, air-flight-related ones are optional. Coverage for pre-existing medical conditions is also available if the deposit is received within 21 days of the travel.

While Travelsafe’s medical coverage is on the low side, it compensates for other coverage types. Those that involve personal valuables losses and delays can go up to $2,500 and $250, respectively. They also allow customers to cover equipment rental, rental car damage and theft, and cancel for any reason.

Frequently Asked Questions: Things to Know About Travel Insurance for Over 50s and Seniors

Does travel insurance cover trips already booked.

Yes, travel insurance covers trips you have already booked. They are valid in the specified travel period you will declare. Nevertheless, make sure to avail of one before your trip.

How much does travel medical insurance cost?

Travel medical insurance cost depends on a lot of factors. These include the insurance company provider, coverage inclusions, coverage limits, and your age, among others. It is important to note that the older you are, the more expensive your travel insurance will be. Hence, if your budget is low, choosing the cheapest travel insurance for seniors that meets your needs is best.

Can you get travel insurance if you are over 70?

If you are older than 70 years old, you can still avail of travel insurance. Travel insurance for over 70 is tailored to the usual needs of older individuals. These typically cover more excellent or more health-related coverage.

Can you get travel insurance if you are over 75?

Yes, even if you are over 75, you can purchase travel insurance. While some insurance companies have an age ceiling, Cover More offers the best travel insurance for +75.

How long does travel insurance cover?

The period travel insurance depends on whether you purchase single-trip or multiple-trip travel insurance. Single-trip travel insurance is typically valid from the start until the end of your trip. On the other hand, multiple-trip travel insurance covers a more extended period that varies between months to a year.

How long before travelling should you get travel insurance?

You can avail of travel insurance any time before your intended travel date. You should purchase as soon as you make your flights or accommodation bookings so you won’t forget!

Does everyone need travel insurance?

Yes, everyone needs travel insurance. Getting one grants you financial protection if you must cancel your trip or cover unexpected expenses abroad. This is true, especially for seniors who are vulnerable to medical conditions. Certain countries will deny you entrance if you try to enter without travel insurance.

Is it okay to not have travel insurance?

It is okay not to have travel insurance if your credit card already covers it. However, if this is not the case, getting it for medical emergencies is best. Some countries will deny you entrance if you don’t have travel insurance.

Conclusion: Which Best Travel Insurance for Over 50s Will You Pick?

Now that you have a trimmed list of the best travel insurance for seniors , I hope everything in this guide makes decision-making a breeze!

• TRAVEL PLANNING: Travel Insurance for Over 50’s

Buying Travel Insurance to cover you for any unforeseen medical expenses or financial losses while travelling is an essential part of the planning and preparation for any trip .

Finding the best travel insurance for over 50’s policy when you are travel planning can be difficult and confusing but travel insurance is something we can’t afford to travel without at any age.

Travel insurance is there if the unexpected ever happens.

Travel insurance is there for you in an emergency situation while you are travelling outside of your own home country of residency.

Travel insurance can provide a financial safety net and get you the support and assistance you need if you ever get ill or are involved in an accident, an incident, or worse, during travel and while on holiday or vacation abroad.

At the very least Travel Insurance should provide you with peace of mind.

That’s why it’s so important that you choose the right travel insurance policy for your needs especially Travel Insurance for over 50’s.

When the backpacking husband and I were younger, travel insurance was much easy to buy and much easier to afford.

As we are now both middle-aged (we are both 64) we see travel insurance has become ever more specialised and ever more costly.

Especially, if there are existing medical conditions to report that can increase the travel insurance quotation.

In fact, Travel Insurance for over 50’s travel can be something of a major personal investment.

We can do all we can to minimise risks while we travel. We can take advice. We can be cautious.

We can get all our travel vaccines and be super careful. BUT life is risky.

Leaving home can be risky.

Accidents can and do happen and usually when you least expect it and when you are least prepared.

For all these reasons, it’s important to get the right insurance cover for your AGE, for your EXISTING MEDICAL CONDITIONS, and for the specific DESTINATIONS where you intend to travel.

Spending money on a travel insurance policy that doesn’t cover you for all the things that you need in an emergency situation abroad is not only a terrible waste of your money but it also means you’ll have no safety net while travelling.

It’s down to YOU to choose responsibly and to buy the right travel insurance policy.

It’s daunting and scary and a huge responsibility I know – but don’t panic!

Table of Contents:

Why do you need travel insurance?

What kind of travel insurance do you need, how does travel insurance for over 50’s work, what is covered and what is not covered, who are the best providers of travel insurance, 10 important things when choosing travel insurance, what does travel insurance cost, get a quote from world nomad travel insurance, travel insurance for over 50’s.

I’M SOMEONE WHO BUYS TRAVEL INSURANCE

But, first of all, I need you to know I am NOT an expert in travel insurance or Travel Insurance for over 50’s and this article is meant as general guidance only. I’m just like you. I’m someone who buys travel insurance.

So I’ve had some experience of choosing and buying a travel insurance policy over a period of many years and for global long-term and also nomadic travel.

However, I also need you to know that I’ve only ever claimed on a policy once in my life and that was years ago.

Since then and while travelling the world with my backpacking husband we have (thankfully) never had a reason to make a claim on a travel insurance policy.

But we always travel with travel insurance.

That’s not to say that while we have been travelling things have always gone to plan for us and that a life of travel is always spent in sunshine and flip-flops.

Because we have on occasion experienced situations of travel mishaps and mayhem and needed to see a doctor or a dentist or a pharmacist or we’ve lost or mislaid stuff and even managed to miss a flight.

But, as our incurred costs during these incidents have never exceeded our travel insurance policy ‘excess’ we have never needed to make a claim.

An ‘excess’ is an agreed payment stipulated in your policy that your insurance company will ask you to pay towards any claim that you may make.

All that has been down to luck rather than to anything else… but what about the next time?

That time I had a toothache and went to see a dentist in South Korea MIGHT have proved to be more expensive.

The time I slipped on a footpath in the rain in Thailand and scraped the skin off my foot and had to go to the pharmacist COULD have been a broken bone and a hospital admission if I hadn’t been holding onto my husband’s arm at the time.

That time we were in Central America and the backpacking husband was bitten by a mosquito and was feeling unwell COULD have been Dengue Fever.

From my experience of travelling I wouldn’t want to rely on luck alone.

I’d much rather know that my insurance policy covered me for such emergencies.

Okay… let’s Get Back To Travel Insurance

Buying a travel insurance policy can feel confusing and overwhelming and time consuming.

But it’s really important to carefully read all the TERMS AND CONDITIONS and read THE SMALL PRINT and to be fully aware of what IS covered and what is NOT covered in the policy.

Travel insurance for over 50’s is often sold with a choice of different Levels of Cover that are often called something like Basic Cover for emergency medical insurance only, Premium Cover that will also cover you against any lost luggage and travel delays, and a Fully Comprehensive Cover that will cover you for most eventualities.

Generally, you should always buy the policy that suits you best.

I can honestly say that I’ve never travelled without even the basic level of travel insurance.

Travel Tip: Take a note of your travel insurance policy number and contact number and keep it somewhere where you can find and access it in the case of an emergency. Also share this information and your travel itinerary with your loved ones back home as a back-up.

Over the years, I have used several different (GLOBAL) travel insurance providers.

Family Policies: I’ve bought single trip family travel policies comprehensively covering all eventualities when we were taking the kids on holidays.

Holiday Policies: As empty nesters, when the backpacking husband and I first decided to travel full time, we started out taking travel insurance policies out in three monthly chunks.

But, if we were still travelling when the policy expired, we then had to renew from outside our ‘home country’ of UK.

This is when we discovered that most travel insurance companies require you to be in your country of residence during the time of purchase of your policy and often require you to have a return ticket for within a specified time.

For this reason, when we’ve been on an extend round the world trip, it has made sense for us to take out comprehensive annual multi-destination global travel policies from the outset.

We started out buying cover for all our flights, travel arrangements, and our luggage and stuff.

But sometimes – and increasingly – we prefer to travel light and we don’t carry any expensive equipment with us.

It has made financial sense for us to buy EMERGENCY MEDICAL insurance cover only for in the event of personal injury, accidents, and any unexpected illnesses, rather than for any flight delays, travel interruptions, cancellations or material losses.

Except, it was during one of those times – when we had only bought an emergency medical cover insurance – rather than one covering any trip interruption cover, that we were in Thailand and got the news of a close relative’s grave illness at home.

Of course, we had to fly home immediately – on the 2 nd January and at one of the busiest and most expensive times of the year – and our basic cover insurance didn’t cover us for the cost of the travel.

On that occasion, we had to whip out our emergency credit card and accept the unforeseen costs.

The incident did make us wish that we’d bought the extra insurance cover.

We’d thought we were saving money by buying a basic cover policy but in the end it had backfired on us.

Travel Tip: If you are involved in an accident or incident however serious or minor then do keep any receipts and paperwork relating to what has happened to assist you in any travel insurance claim.

1. Choose a reputable Insurance Company and do your research. Read recommendations and reviews.

Trust Pilot is a great website for consumer reviews and Money Saving Expert website is a good resource.

Global Travel Insurers I have used in the past include World Nomads and True Traveller and Stay Sure .

I now use World Nomads with whom I have an affiliation. See Disclaimer .

Do use the link below to get a no obligation quote from World Nomads.

2. Decide on the type of travel insurance cover you need . Do you want to cover for any cancellations to your travel arrangements and for your cash and personal property?

Especially important if you have high-value items with you while travelling. Or, do you only want cover for accident and medical emergency and repatriation should you need to come home quickly or if you die abroad?

3. Buy your travel insurance before you set off on your travels . Buying insurance at the same time you are booking your trip is a sensible option as you will be able to include cancellation insurance.

With a home start and a return ticket and a trip lasting less than 90 or 120 days you will also have lots of options regarding the company you choose as your travel insurance provider.

4. Travel Insurance when you are already travelling: There are not so many travel insurance companies to choose from when you want to buy or renew your travel insurance while you are already travelling.

The best I have found are: True Traveller and World Nomad s . See Disclaimer .

5. Nomadic Travel Insurance : For those of you like the backpacking husband and I, who are travelling full time without a home base, then the global options for insurance will perhaps be more suited to you.

But I must warn you that you will normally have to have a registered home address for your policy application.

6. The Matter of a Registered Home Address: It’s essential to have a registered home address for all sorts of reasons – banking, healthcare, paying tax, voting, driving licence, etc.

I know lots people who are nomadic world travellers or live in an RV or motorhome who use the private address of a family member or a good friend or even the office of their lawyer or accountant for this purpose. We use the address of a house we rent back in the UK and where we stayed during the pandemic.

7. Single trip policies or annual policies? Work out which will be best for you depending on the region and the countries included in the policy and the additional benefits to buying an annual policy. I have found travel to (even transiting through) the United States of America is often an optional extra on policies and charged at a premium.

During my last trip, I managed overcome the additional expense of adding an overnight transit through the USA by buying an annual policy that allows for 14 days in the USA as part of the annual policy at no extra cost.

8. Declare all your pre-existing conditions and make sure the travel Insurance policy will cover emergency repatriation and check for Covid and any Covid related illness cover . If you have travel insurance cover included through a credit card provider or a bank account are there any age restrictions to their cover?

Does your card provider know about any pre-existing conditions, any prescription medications or any doctor or hospital appointments you’ve attended over the past few years? If not, then you might NOT be as well covered as you think or not covered at all.

9. What age are you? Unfortunately, the older you are then the more expensive and more difficult it becomes to find travel insurance. Some travel insurance companies will only provide cover to under 65-year-olds.

If you are older then you might want to use a company that specialises in insuring older travellers and those with pre-existing conditions. Take a look at GoodToGo Insurance (UK) and Saga Insurance and check out Money Saving Expert for a list of Over 65 travel insurance options.

10. Travel Insurance Europe: Travelling from UK to Europe? The free European Health Insurance Card (EHIC) entitles you to treatment in state-run hospitals in the EU at the same cost as a local person.

After Brexit (1 January 2021) those in the UK who have an existing EHIC can continue to use it in EU countries (but not Switzerland, Norway, Iceland or Liechtenstein, as they’re not part of the EU) until the expiry date on the card.

If you don’t have an EHIC or it’s expiring then you’ll now get a Global Health Insurance Card (GHIC) instead.

The GHIC card is FREE and you can apply online at The Official NHS Website.

For up to date European travel information the website OPEN EU is a useful resource tool listing the current restrictions in Europe and when countries are reopening.

I do hope this guide on travel insurance has been helpful to you and has helped you to understand the importance of having the right travel insurance and how to go about finding it.

The information I have included here is based on my own experience as a UK national.

I appreciate that your own requirements will pertain to your own country of residence.

Before your trip, check to see if there are current travel alerts for your destination – you can also check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.

Do leave a comment if you have any travel insurance stories to tell

Or information about travel insurance. you’d like to share

Or recommendations that you’d like to add that might help other travellers!

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JANICE HORTON

Janice Horton is The Backpacking Housewife and the person behind the travel and adventure website www.thebackpackinghousewife.com

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Hi Janice, just to say we enjoy your blog very much. We spent 5 years planning for our retirement at 55…hardest thing was getting out of the door! The last thing in my project plan was medical insurance…not because I left it that way but because I could never find anything that covered us…Long term travel over 12 months, renewing whilst abroad, over 55 and riding motorbikes more than 125cc….eho new we were so odd? Eventually with 3 months to go I found an American insurance policy by IMG called Patriot Lite…sounds like a missile?? Anyway it worked for us to get us on our way (14.months in Africa). On renewal there is another company that covers older travellers on bikes…Big Cat travel insurance which is I think better 👍 We are off on the bikes to North Africa and Europe for this year and then trying to choose South East Asia or Central America for the winter….tough choices 😄😄

Hi Jackie – thanks for getting in touch with your experiences of sourcing suitable travel insurance. Your journey sounds amazing and retiring to travel at 55 is a fabulous age to have adventures! Best wishes to you and I’d love to know if you choose Central America or South East Asia next – and yes, a very tough choice! Janice xx

This has been informative, though it hasn’t helped me narrow down a Travel insurance that will cover me as a 73 year old wanting to travel for a year . Starting from Northern Ireland, flying to France for 2 days then on to Singaphore for 2 days. Flying from there to Melbourne, New Zealand, and then Bali.

Hi Brigid – I understand how frustrating it is to have so few options for travel insurance once you get over 60 years old. Have a look here at Go Compare (not an affiliated link) and I hope you manage to find a suitable policy for what looks like a fabulous trip. Let me know how you get on? https://www.gocompare.com/travel-insurance/over-70s/

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Over 50s Travel Insurance

• Travel with confidence with Travel Insurance for the over 50's.
• We can cover all pre-existing medical conditions, medical emergencies and cancellations.

Our Travel Insurance for Over 50s will cover you for any unexpected medical bills when you’re on holiday, as well as any cancellation costs before you go.

What is Over 50s Travel Insurance – and do you need it?

Over 50s Travel Insurance is specialist cover for older travellers, designed to meet your specific needs, including any medical conditions . We’ll cover you for unexpected medical costs, cancellations, delays, lost luggage and repatriation.

Travel Insurance is vital as unexpected medical bills abroad can put a sizeable dent in anyone’s finances.

• 10 Brits are hospitalised abroad each day , according to UK Government estimates.
• The cost of treatment for pneumonia in Spain can reach over £179,000 + .
• £100,000 is how much a hospital trip for a stomach bug would set you back in California, according to the UK Government.

Remember that your Travel Insurance policy is only valid if you buy it before you leave the UK.

What does AllClear’s Over 50s Travel Insurance cover?

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 curtailment – 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 the right cover. This is especially vital for senior travellers, and those with long-term illness
• Winter sports – While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding.

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum.

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance For Over 50s with pre-existing 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 50 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 .

To ensure 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.

Find the best Over 50s Travel Insurance for your trip

Whether you’re planning to go skiing or play golf, AllClear has the right cover for you.

• 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 has you covered, no matter how many trips you do this year.
• Departing on a cruise? Protect yourself against cabin confinement, missed departures and even unused excursions with our Cruise Insurance .
• 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.
• Seeing more of the UK? Our UK Travel Insurance covers you against cancelled accommodation or any other holiday mishaps.

Countries covered by our Over 50s Travel Insurance

Our policies can cover you for trips to every destination, including:

• UK – 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 – Get cover for any country in Europe, as well as Egypt, Morocco & Tunisia.
• Worldwide – Cover for any destination around the world. You can choose to include or exclude the USA, Canada and the Caribbean.

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 . Receive your quote

You will then get your quote(s) and can either proceed to buy or save your quote at this stage.

“Our Over 50s Travel Insurance is designed so you can keep adventuring as you get older. We’re here as your safety net, offering financial protection for all kinds of unexpected issues, from medical emergencies to lost luggage.” We’re here as your safety net, offering financial protection for all kinds of unexpected issues, from medical emergencies to lost luggage.”

Letitia Smith – Travel Insurance expert

What our customers say

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

We’re the UK’s most trusted Travel Insurance provider 3 . We’re committed to helping you get the best possible customer service.

 Here’s what our customers had to say about us.

What our Customers Say

Frequently asked questions on over 50s travel insurance, does travel insurance cost more when you turn 50.

Age is just one factor which can affect the cost of a policy, alongside;

• Your destination.
• Your medical conditions.
• The length of your trip.

Does Travel Insurance have upper age limits?

We believe that age should not be a barrier to enjoying the world, which is why our Travel Insurance policies have no upper age limit. You can keep exploring the world through your 50s, 60s , 70s and beyond . However, you cannot get cover over the age of 65 for winter sports.

What does Travel Insurance for Over 50s cover?

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 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.

When should you buy over 50s Travel Insurance?

You should buy over 50s Travel Insurance as soon as you have booked your holiday. This will mean you’ll be covered if any issues arise between booking and taking your holiday.

Remember that you need to have purchased a Travel Insurance policy before you leave the UK for it to be valid.

Do you need Over 50s Travel Insurance if you have a GHIC card?

You still need a valid Travel Insurance policy even if you have a GHIC. The GHIC, formerly known as the EHIC, is not a replacement for Travel Insurance. It covers you for some unexpected medical costs while in Europe, but it does not cover other costs, such as transport to or from a hospital, as well as lost valuables, cancelled flights or accommodation.

Do you need to declare all your medical conditions for Travel Insurance?

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. 

What factors will affect the cost of Over 50s Travel Insurance?

If you have pre-existing conditions, you need an over 50s Travel Insurance policy that covers them. This will impact the price of your policy.

Other things can affect the price of your policy include:

• Destination : Some destinations have higher medical costs or greater risks than others. 
• Trip length : Longer trips mean a higher chance you’ll need to make a claim. If you’re looking for a single-trip policy, the price will depend on how long your planned trip is.
• Optional extras: You can amend your policy to suit your needs by adding extra cancellation cover, or increased baggage protection. We also offer additional cover for winter sports, cruises, or golf. However, adding this extra protection can impact the price of your policy.

Does being over 50 affect how long you can travel on the Travel Insurance policy?

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.
• If you need to be away longer than 45 days, you’ll need our Extended Stay optional extra. This extends the cover available per trip to 50 or 55 days, depending on the level of cover you choose.

Does the over 50's Travel Insurance cover include repatriation?

Yes, all our Travel Insurance policies include repatriation cover. If anything happens while you’re away that means you need to be flown back to the UK for treatment, you won’t be out of pocket.

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

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.

Can someone else join your Travel Insurance policy if they're under 50?

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 on 01708 339026.

How often can you travel with Travel Insurance for over 50s?

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.

What if my medical conditions change after buying my policy?

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

Get the most out of your trips with our helpful guides

Get the most out of your trip with our helpful guides.

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations.

What activities do you have planned?

Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add the coverage you need to your policy for a worry-free trip.

• United Kingdom
• Skiing Travel Insurance
• Cruise Travel Insurance
• Gold Travel Insurance

+ Based on real AllClear customer claims, 2023.

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 27 March 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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HelloSafe » Travel Insurance » What Are The Best Over 50 Travel Insurance Policies?

What Are The Best Over 50 Travel Insurance Policies?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

Are you over 50s years old and want to get travel insurance that’s tailored to your age range and kind of trip?

You’ve come to the right place!

In the guide below, we will explain everything you need to know about travel insurance for over 50: is it compulsory, which cover should you get, what travel insurance terms you should pay attention to, etc.

Stay tuned!

What is over 50 travel insurance?

As simple as the name suggests, over 50 travel insurance is a travel insurance policy for the over 50s age range. It usually doesn’t differ that much from travel insurance policies offered to younger age ranges, but has slightly inflated premiums.

However, some over 50 travel insurance specialists may provide cover with emphasis on:

• Particularly significant medical compensation (many medical conditions covered, compensation ceiling up to £10M or even unlimited, etc.) as we are all more likely to get healthcare problems as we get older
• Specific extras preferred by this age range (gold equipment cover, cruise gear, etc.).

Is over 50s travel insurance compulsory?

The short answer is no. Travel insurance is not a legal requirement no matter your age range. You won’t be fined if you don’t get any cover for your trip – unlike car insurance.

You may be required to apply for travel insurance only for specific visa requirements (for the Schengen visa, for example).

However, although not compulsory, we strongly advise you to apply for a travel insurance policy to cover any trip cancellation, medical or repatriation expenses you may have to face while travelling.

Indeed, for as cheap as a few pounds per day, comprehensive over 50 travel insurance will provide you with both financial compensation and 24/7 assistance in case an unexpected event occurs.

Compare the best over 50s travel insurance policies

72% of over 50s people travel twice a year or more. People aged over 50 are also the most cautious travellers. A study by Medical Travel showed that in 2019, 80% of their travel insurance consumers were over 50. Many people aged 50+ travel solo, making finding a tailored policy even more important.

Many insurers have therefore developed specific travel insurance for people over 50s with higher upper age limit policies, discounts for couples or families and specific extras such as cruise or golf cover, etc. Some insurers have also developed dedicated over 50 travel insurance for those with medical conditions.

Let’s learn about over 50 holiday insurance and find out the upper age limits:

While shopping around for the best over 50s holiday insurance policy, we advise you to carefully check medical compensation limits, age limits of policies and maximum number of days per single trip.

Use our 100% anonymous and free comparison tool to find cheap holiday insurance for over 50.

Why do I need over 50 holiday insurance?

Did you know that a survey conducted by Which in 2018 showed that of about 10000 UK travellers of all age ranges, 64% had medical treatment while they were travelling abroad? With the over 50s big traveller's age range, this percentage is even more likely to grow.

Depending on your trip destination, the medical expenses or trip cancellation fees you may have to face could really leave you out of pocket.

Just to show you how important applying for travel insurance is, here are a few examples of what an unfortunate and unexpected event might cost you during an example holiday:

Good to know

Applying for over 50s holiday insurance will prevent you from having to face any unexpected and significant expenses as described above. Always take your European Health Insurance Card if you are travelling to Europe as it will cover you for medical care other than emergency or repatriation (until the 31/12/2020).

What are the different types of travel insurance for over 50?

Over 50s holiday insurance policies are split between two main categories:

What should your over 50 travel insurance cover?

Each travel insurance policy is different, since it is the insurer who determines the content of the contracts it offers: guarantees, compensation limits, deductibles, travel insurance prices, etc.

However, all contracts on the market must include at least the following guarantees, applicable in Europe or worldwide:

• Medical expenses: compensation by the insurer for your health expenses during your stay (consultation, analysis, emergency treatment, longer hospital stay, etc.)
• Repatriation assistance to the UK: financial and logistical support by a dedicated 24/7 team for your early return to your country of residence if it proves necessary
• Trip cancellation and cover for delayed or missed departure: compensation if you need to cancel your trip for whatever reason or if you missed your departure Personal liability: compensation for any damage or injury made to a third party (consider adding it as extra if not included in standard cover)
• Baggage: compensation for any lost or theft of baggage while travelling (consider adding it as extra if not included in standard cover)

Most of the time, travel insurers offer different formulas. Cover types involved are usually the same but the compensation limits and deductibles vary.

When applying for holiday insurance for over 50s, you should pay close attention to:

Always carefully check the age limit and compensation amounts as well as deductibles you’ll have to pay in case you need to make a claim. For medical expenses, always get your insurer to accept them before paying if you need to advance fees.

What are the should-have features for your over 50 travel insurance?

Maybe you would also like to be covered with nice-to-have protection add-ons while travelling. Here are some examples below:

What over 50 holiday insurance extras might you go for?

We’ve noticed that the over 50 age range particularly pays attention to extras such as:

What does over 50 travel insurance not cover?

Most travel insurers will not give financial compensation for:

• Any claim made as a result of a pre-existing medical condition or pending diagnosis undeclared at the time of purchase
• Any claim made as a result of you being under the influence of drugs or alcohol
• Difficulties due to natural disaster, war, civil unrest (look out for strikes)
• Any claim made as a result of a terrorist act (except if you took out this cover as an option)
• Any claim made as a result of extreme sport practice not disclosed at the time of applying.

We would strongly advise you to carefully check your policy booklet for the main exclusions before leaving home. 

What if I am over 50s years old with pre-existing medical conditions?

Whether you’re turning 18 or you’re 50+, travel requires you by law to disclose any information regarding your health condition.

When you apply for over 50 travel insurance with pre-existing medical conditions, you will answer a set of healthcare questions. This is called screening. You will not be asked to provide your insurer with a doctor’s certificate to show that you are fit to travel but you are required to be honest about any illness diagnosed at the time of purchasing your travel insurance policy.

Not disclosing this kind of information is called fronting, and it could invalidate your medical claim when you are trying to get compensation for medical expenses you paid for abroad. 

A pre-existing medical condition is typically one for which you have been diagnosed and have received treatment before you apply for any travel insurance policy, regardless of whether this is short or long term.

Here is a list of the most common pre-existing medical conditions you will need to declare:

• Diabetes (with insulin injections)
• Heart-related condition (stroke, cardiomyopathy, etc.)
• Any respiratory illness (lung problems, asthma)
• Blood-circulatory condition (high-blood pressure, high cholesterol)
• Any mental or physical disability (depression, etc.)
• Any neurological problem (e.g. Alzheimer’s)
• Any treatment related to cancer care
• Any allergies
• Crohn's disease
• Hernia conditions
• Any drugs or medication prescription, etc.

The exact definition of what counts as a pre-existing medical condition and what needs medical screening may vary from one insurer to another. Carefully check our reviews as well as insurers’ policy booklets to be sure your medical history is taken into account and will not invalidate any medical claim you may make.

Get to know more on pre-existing medical condition travel insurance here .

How much is over 50s travel insurance?

Over 50 travel insurance might be slightly more expensive than the age ranges below. However, if you haven’t declared any pre-existing medical conditions, inflation of premiums might not be significant.

The table below shows indicative quotes for seniors applying for travel insurance policies:

Single trip to USA / Europe: 10 days travel, single individual, no medical history disclosed Family single trip to Europe: 10 days travel, 5 individual (3 children under 18), no medical history disclosed Annual multi-trip to Europe: Single individual, no medical history disclosed

It is, however, quite difficult to give precise ranges of how much a travel insurance will cost for you as prices are based on a wide range of criteria. It will mainly depend on:

• If you’re going for a single or annual multi-trips as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• If you have pre-existing medical conditions
• The duration and destination of your stay
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What you will be doing abroad (winter sports).

What else should you pay attention to while shopping around for over 50 travel insurance?

While shopping around for holiday insurance for over 50, always pay attention to:

• The upper age limit of the policy you applied for.
• The compensation amount you will get in case of a claim by consulting our up-to-date reviews on each insurer (especially for medical expenses, trip cancellation, personal liability, baggage and personal belongings).
• The deductible amounts you’ll have to pay in case of a claim (don’t forget that you need to pay the excess on each claim).
• The exclusions you may have in your policy (sports, strike, cancellation trip due to carrier default, etc.).
• Coverage included in policies or available as upgrades (winter sports, business trip, etc.).
• The claim process (100% online? How many days do you have to make a claim?).
• The maximum duration of each trip included as standard (at least 31 days).

Never forget to disclose any pre-existing medical condition you may have to your insurer before leaving.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Travel Insurance Over 50

Fifty Plus? Not an issue!

We insure holidaymakers in their 50s, including those with pre-existing medical conditions.

• 24-hour emergency medical support
• Covid-19 cover included
• Retrieve quote

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Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.

Travel Insurance for over 50s

At Total Travel Protection, we know that age is just a number and not one that should limit your holiday options.

We are specialists in over 50s travel insurance: We’re devoted to making sure that all our customers can continue to take whatever sorts of holidays they like, safe in the knowledge that they have travel insurance cover in place.

Our over 50s travel insurance policies are age restriction-free – there are no upper age limits and pre-existing medical conditions shouldn’t be an issue either.

Travel insurance cover and benefits

• Emergency medical & repatriation up to £10 million (Platinum Cover)
• 24 hour emergency medical assistance
• Cancellation cover up to £6,000 (Platinum Cover)
• Cover for mobility aids and prescription medication
• Personal property up to £3,000 (Platinum Cover)
• Personal liability up to £2 million (Platinum Cover)
• Legal expenses up to £25,000

Pre-existing medical conditions are covered

Over 50s travel insurance protection.

Your over 50s travel insurance policy with Total Travel Protection will be tailored precisely to provide the cover you need with regards to your specific holiday and your medical conditions.

We’re experts in providing travel insurance cover for unexpected emergency medical expenses that may occur during your travels, and you’ll have access to our emergency medical assistance team by phone, 24 hours a day, 7 days a week, wherever you are in the world.

If you use mobility aids or prescription medication, we can cover those too, as well as cancellations, personal possessions, legal expenses, personal liability and much more besides.

Travel insurance cover is available instantly via our website, 24 hours a day, 365 days a year. View our full spectrum of travel insurance options for over 50s along with medical screening.

Over 50s cover by phone

If your travel insurance needs are more complex, or you just prefer to speak to someone in person, one of our professional, friendly team members will be delighted to answer your call.

You can call us on 0330 053 3747

We are open Sales:Monday to Friday 9am - 7pm.Saturday and Sunday 9am - 5.30pm.Customer service:Monday to Friday 9am - 5pm..

Single trip insurance (over 50s)

As you might expect, our over 50 single-trip travel insurance is designed to cover one specific trip or holiday, from whenever you set off to the moment you get home.

Single trip insurance

Cruise insurance (over 50s)

Cruise holidays are covered as standard on our over 50 travel insurance policies at Total Travel Protection. Whether you’re cruising on the sea or river, we can provide cover to suit.

Cruise insurance

Additional cover options

Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.

Natural catastrophe

Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More

Gadget cover

This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More .

Hazardous sports and activities

Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added.  Read More

Missed connection cover

Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

Terrorism cover extension

Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.

Pet cancellation cover

This option extends the cancellation and curtailment section of your travel insurance to include unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment. Read More

Additional waiting list cover

Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

Over 50s travel insurance FAQ

I am over 50 and looking to travel with my grandchildren, can you cover us all.

We certainly can! We specialise in cover for over 50s, but if you’re travelling as part of a group that includes younger holidaymakers, we’ll be glad to tailor a solution that covers your whole party.

I am over 50 and use a mobility scooter when I travel, will you still insure me?

Of course! Our policies will also cover your mobility aids for loss, theft or damage whilst you are away.

I am over 50 and planning to go hiking on holiday, will you still cover me?

Absolutely! As standard, the travel insurance policies we provide to over 50s include cover for many pursuits such as trekking and hiking to a height of up to 2000 metres.

We can also extend your cover to include hiking or trekking up to a height of 3000 metres if you’re feeling more adventurous.We don’t believe that your interests should be limited by your date of birth!

More information about cover for sports and activities >>

Please note: our extended cover for sports and activities is only available up to the age of 75.

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• Travel Insurance for over 50s explained

Many people leave buying travel insurance until just before they head off on their holidays, but it’s vital to take out cover at the same time as you book your break.

Travel insurance is not mandatory, but it can provide valuable peace of mind that if you have to cancel your break due to illness or a bereavement, or if any valuables are lost or stolen while you’re away, your financial losses will be covered. According to comparison site, Finder.com, over 80% of people aged 45 and over choose to purchase it for their travels.

The unfortunate truth is, however, that once you reach your 50s, travel insurance premiums start increasing as insurance companies think you are more likely to make a claim. In addition, if you have any pre-existing medical conditions, it’s likely that your travel insurance costs will rise even more.

However, this doesn’t mean that you’ll necessarily have to pay through the nose for your cover, but it does mean that you may need to look a bit harder to find the best deals.

Here we explain how travel insurance works and provide some tips and tricks to help keep your costs down.

Are you already covered?

• Travel insurance as you get older

Travel insurance cover for over 50s

Travel insurance cover for over 65s, travel insurance with pre-existing medical conditions, travel insurance cover for serious illnesses or recent diagnoses, tips for keeping travel insurance costs down.

Before buying travel insurance, it’s worthwhile checking whether you already have cover. For example, many people are covered as part of the range of benefits that are often provided by packaged current accounts. If your current account does come with travel insurance, it’s best to check the fine print of your policy so that you’re clear on exactly what is and isn’t covered.

The cover and exclusions that apply may change depending on your age. So, for example, Nationwide offers package travel insurance for their qualifying FlexAccount holders, but it will only cover you if you are aged 69 or younger. The Co-op’s packaged bank account travel insurance, however, will cover you up until the age of 79.

Get 20% ‡ off your travel insurance quote from Staysure

We have teamed up with Staysure to provide you with first class travel insurance, tailored to suit your needs. You can also take advantage of our 20% ‡ discount , just quote RSTL at checkout.

‡Discount applies to the base premium of the policy only and not to medical screening costs or add-ons where relevant. Terms, conditions, and exclusions apply.

Get a quote

Travel Insurance as you get older

Travel insurance premiums tend to increase as you get older. At the time of writing, these were the average premiums available for the following age bands:

*These premiums are based on a single two-week trip to Europe for someone with no declared pre-existing conditions or awaiting diagnosis. **These quotes were obtained from moneysupermarket.com on 25.01.23. Premiums will vary depending on your individual circumstances.

As well as premiums increasing as you age, the other key differences you may notice as you get older are that your insurer may:

• Reduce the maximum length of trip they will cover you for
• Put a limit on the number of places you can travel to
• Reduce the amount you will get as your personal accident benefit, which essentially means how much of a payout you’ll receive if you have a lasting injury as a result of an accident

It’s often not until you reach your mid-60s that these limits and reductions really start to take effect. It’s important to read the small print before buying your policy to make sure you aren’t being caught out by anything.

Seeing the prices creep up when buying travel insurance is disheartening, but don’t be tempted to make any false claims in your application. It’s vital to always be completely honest when applying for your travel insurance and declare all medical conditions, as any omission might invalidate your policy. You can find out more about this in our guide How to find travel insurance if you have pre-existing health conditions .

The details of travel insurance change for each age bracket, so we have covered off some key points to be aware of for some of the standard age bands that insurers use:

The majority of standard travel insurance policies will cover people between the ages of 50 and 64 without too much a price hike, but you may notice that price creeps up a little more each year.

There is a specific market for over 50s travel insurance with insurers who specialise in policies with higher, or no, upper age limits and extra items might be covered such as mobility aids. For people who have additional needs as they get older this type of insurance can mean they get the best cover for their needs. However, if you don’t have any additional needs, you might be better off looking at the mainstream travel insurance offerings as buying over 50s insurance may mean you are paying for extra benefits you don’t need.

Once you turn 65, you might notice the cost of your travel insurance creeping up and more restrictions are likely to be applied to your policy. Nevertheless there are still a range of policies available at a wide variety of price points.

If you are planning to go skiing or do another winter sport, it’s worth knowing that a large number of insurers will only cover you for these sorts of activities up to the age of 64. Do not worry though, this doesn’t mean you won’t be able to find cover, but you will have to check your policy carefully for exclusions.

‡ Discount applies to the base premium of the policy only and not to medical screening costs or add-ons where relevant. Terms, conditions, and exclusions apply.

Having a pre-existing medical condition does not always mean that you will have to pay steep premiums or that you will be refused travel insurance. The cover you are eligible for and the amount it costs will depend on what pre-existing medical condition you have, how recently you have been treated for it and any medication you are taking. There are plenty of providers out there who may be prepared to cover you, and comparison sites such as payingtoomuch.com ,   comparethemarket.com and MoneySuperMarket will have insurers that cover pre-existing conditions.

It’s very important that when you apply for travel insurance that you are honest on your application and declare your condition and all related information. When declaring your condition you will usually be asked a series of questions that will help the insurer to fully understand your current condition.

If you are struggling to find a travel insurance policy that will cover your pre-existing condition, have a look at the next section for some more guidance.

If you’re looking for travel insurance, we have partnered with Staysure to provide you with first class travel insurance, tailored to suit your needs. There’s no upper age limit and they’ll cover most pre-existing medical conditions. You can also take advantage of their 20% ‡ discount , just quote RSTL at checkout.

Many insurers are less likely to provide travel insurance cover if you:

• Have any undiagnosed symptoms
• Have received a terminal prognosis
• Are awaiting any tests, test results, investigations
• Are awaiting surgery, or are waiting to be discharged from post-operative checks

This is a fairly vague list, but the following conditions are usually the ones that would fall under this classification: cancer, stroke or serious heart condition, respiratory conditions or conditions that have been diagnosed as terminal. For more information on finding travel insurance if you have cancer, have a look at our article Travel insurance if you have cancer .

While you may not consider youseIf to have a serious illness, if you have been rejected by a number of insurers they may view you to fall into one of the above categories, and you may need to look for insurance as if you do have a serious condition.

A serious or terminal illness does not mean that you can’t travel. There are some specialist insurers that might be able to offer you cover. The easiest way for you to find cover is through the Money Advice Service’s Travel Insurance Directory which is a list of 31 specialist insurers who provide insurance for people who are more likely to need medical intervention while they are away. The British Insurance Brokers Association also has a list of local insurers who may be able to help you.

If you are applying for this type of travel insurance online, the insurers will probably ask you to call a number or  fill out a form with your medical history. If there is ever anything you are unsure about, it is best to call the insurer and speak to them directly.

If you have medical equipment you need to take away with you, it’s important to check that it will be covered by your policy. Another point is to make sure you have a 24-hour helpline available in case you have a medical emergency while you are away.

As well as making sure you have travel insurance in place, it’s a good idea to take the free Global Health Insurance Card (EHIC) with you too. This will provide you with free or reduced cost healthcare when travelling in Europe, including medically necessary treatment for pre-existing or chronic conditions. You can apply for a Global Health Insurance card on the official NHS website here and you can find out more about how the card works in our article Everything you need to know about the Global Health Insurance Card .

Don’t book cover last minute – buying travel insurance at the same time as you book your holiday will ensure you’re covered if you have to cancel your trip before you go as well as for the time you are away.

Shop around – there are a number of insurance brokers and comparison sites that specialise in cover for over 50s as well as people with pre-existing conditions, or recent medical diagnoses so don’t settle for the first quote you’re offered.

Do it yourself – if you are booking your holiday through an agency, they will often offer you their travel insurance as part of your package. These policies are often sold at inflated prices, so if you can, it’s best to look for standalone cover yourself.

Opt for a larger excess (the portion of any insurance claim you must pay yourself) – as with any insurance, the larger excess you choose, the less your premium is likely to be. However, make sure you’ll still be able to afford to make a claim.

Check your coverage options – you may be paying more for optional extras like cover for lost or stolen baggage that you may not need or want.

Consider annual cover – If you are making more than two or more trips in a year, it’s worthwhile looking at a multi-trip annual policy rather than several single trip policies. This type of policy will cover you for being away for a set number of days a year, for example 183 out of 365 days, although usually no individual trip can be longer than a set number of days, for example, 30 or 50. Be aware however that as you get older, the length of time you will be covered for is likely to reduce, so it’s worth checking the fine print on your policy to make sure you are covered for the time you’re planning to spend abroad. Multi-trip cover often works out cheaper than buying insurance separately for several individual trips. Find out more in our guide Should I buy annual or single trip travel insurance?

Make sure you choose the right travel insurance policy to suit your needs – If, for example, you are going on a cruise then specialist cruise insurance is best, or if you are going on a skiing holiday you’ll need to make sure any policy you choose includes winter sports cover.

Rest Less Money is on Instagram! Check out our account and give us a follow  @rest_less_uk_money  for all the latest Money News, updated daily.

Katherine Young is a Content Manager at Rest Less and joined the team in 2021. Since then she’s written about a range of personal finance topics, but really enjoys getting into the nitty gritty of topics like the gender pension gap, savings, and everyday money-saving ideas. Katherine graduated with a degree in English Literature from Aberystwyth University, and now lives in South London with her husband. Katherine is a keen foodie. When she's not browsing food markets or hunting down the best food in London, she spends her spare time painting, reading fantasy fiction and travelling.

* Links with an * by them are affiliate links which help Rest Less stay free to use as they can result in a payment or benefit to us. You can read more on how we make money here .

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Holiday group Saga's profit forecast weighed down by insurance weakness

WHY IT'S IMPORTANT

Saga, which brought on a new CEO in November, has been struggling with its insurance business. It tried to sell its insurance underwriting arm, but put the sale process on hold shortly after ending talks with Australia's Open Insurance Technologies.

Saga increased prices at its insurance underwriting business in the past 18 months, saying it was now on a "much stronger footing" amid challenging conditions.

However, changes in the insurance broking business, including cutting prices and addressing recent declines in policy sales in motor and home insurance, meant earnings would take a short-term hit.

BY THE NUMBERS

Saga reported an underlying pretax profit of 38.2 million pounds ($47.6 million) for the year ended Jan. 31, more than double from a year earlier. Revenue jumped 12% to 741.1 million pounds.

Bookings for the company's Ocean Cruise unit remain strong, Saga said, having secured a load factor of 78% for 2024/25, higher than the same time last year. Travel bookings were also ahead.

"While our insurance business continued to be hindered by challenging conditions, with inflationary headwinds impacting policy volumes and margins, particularly for our three-year fixed-price policies, we are taking the necessary actions to reposition the business," CEO Mike Hazell said.

"Ocean Cruise had an outstanding year and, as a result, we far exceeded our initial earnings targets, while River Cruise and Travel both returned to profit for the first time since the pandemic."

MARKET REACTION

Saga shares opened lower and hit their lowest since October, before reversing course to be up about 3% by 0709 GMT.

($1 = 0.8030 pounds)