Compare travel insurance for people aged over 50

Frequently asked questions

What does travel insurance cover for over 50s?

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Travel insurance for over 50s can cover you for things like:

• Emergency medical treatment
• Cancellation cover
• Lost passport or money
• Lost luggage
• Getting you home in an emergency

And much more. So you can head off on new adventures with peace of mind that you’re protected in case something goes wrong.

Why is travel insurance more expensive for over 50s?

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You might find that your travel policy costs more as you get older. This is because there’s a much higher chance of having a medical emergency abroad, or needing to cancel your policy as you get older.

But there are lots of different things that can make your travel policy more expensive, such as what extras you need, where you’re going and if you have medical conditions. Our guide on how much your travel insurance could cost explores the different things that can affect your travel insurance.

What types of travel insurance can I get for over 50s?

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There are different types of travel insurance policies available for over 50s. The type of policy you go for should depend on what type of trip you’re going on.

If you’re only planning one trip this year, then a single trip policy could work for you. If you have several holidays planned, then you might think about an annual multi-trip policy.

But the type of travel policy you need can vary from person to person, so we’ve put together a guide on what to look for when buying travel insurance. This compares single trip and annual policies, and other things to look out for.

Do I need to declare menopause on my travel insurance?

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If you’ve been through the menopause or had symptoms related to the menopause in the last two years, then tell us about this when you take out your policy. This includes:

• Any doctor or hospital consultations or appointments
• Symptoms
• Treatments or investigations
• Medications such as HRT

This way you’ll be covered if you need medical treatment related to the menopause when you’re on holiday.

Do I need over 50s travel insurance if I have a GHIC?

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While a GHIC is useful for accessing free or subsidised healthcare across Europe, it isn’t a substitute for travel insurance.

Your travel insurance covers you for things like cancellations, getting you home in an emergency and lost luggage, money and passports. None of these will be covered with just a GHIC, so it’s a good idea to have both.

Most travel insurers prefer you to carry a GHIC as well as your travel policy, as you can often get excess waivers for medical treatment if you need to claim. You can find more information in our guide on how to apply for a GHIC and which countries it’s valid for.

When do I need to buy over 50s travel insurance?

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It’s a good idea to take out travel insurance as soon as you’ve booked your holiday. It’s not compulsory, but it means you’ll be covered for cancellations. This is important to think about if you’re booking a cruise or another trip well in advance, as a lot can happen in a few years.

The sooner you book, the sooner you’ll have ticked off your holiday packing checklist.