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Over 50s Travel Insurance

What is over-50s travel insurance?

Our appetite for travel doesn’t stop as we get older. In fact, with more free time it can become easier to explore new destinations for longer or at more flexible times and travel insurance for over 50s can protect you whilst you do just that. 

What type of over 50s travel insurance do you need? 

Our single trip travel insurance and annual multi trip travel insurance policies may be the most suitable options for those travelling over 50.

Single trip policies can cover travellers up to the age of 80 years old and provide protection for one-off trips of up to 180 days in duration. For regular travellers, our annual multi trip policies cover travellers up to 65 years old, so if you plan to take 2 or more trips per year they can work out cheaper. 

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What does our over-50s travel insurance cover?

Whilst we don’t like to think of anything going wrong whilst we travel, it can happen. In the event that something unexpected happens over 50s travel insurance can support you and your loved ones. Our single trip and annual multi trip travel insurance policies can cover you against:

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Gold

Bronze

Emergency Medical Associated expenses
Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.
£5,000,000
£10,000,000
£2,000,000
Repatriation
Provides cover should it be necessary for you to return to the UK to receive treatment. 
Cancellation
Provides cover if you cancel your journey before it begins due to certain necessary circumstances. The circumstances covered are listed in your Policy Document.
£2,500
£5,000
£1,000
Curtailment
Provides cover if you cut your journey short due to certain necessary circumstances. The circumstances covered are listed in your Policy Document.
£2,500
£5,000
£1,000
GP 24/7 Online
GP consulation service over the phone 24/7 or online video conference between 8am and 10pm to discuss your medical concerns.
Personal Accident
Provides cover if following an accident your injuries lead to death, total loss of sight/limb or permanent disability. An accident must be caused by something external and visible.
£15,000
£20,000
£5,000
Personal Possessions
You are covered for up to your policy limits if your personal possessions are damaged, lost or stolen on your journey. Your policy will state the maximum amount you can claim for a single article, as well as the total amount you can claim for all your valuables. A deduction may be made for wear, tear and loss of value.
£1,500
£2,000
Coronavirus Cover
Provides cover for issues arising from Covid-19 such as being denied boarding, having to cancel your trip, curtailment of your trip to look after a loved one and compulsory quarantine if you contract Covid-19.
For full terms, conditions and exclusions of our policies, please read the full policy documents.

Over 50s travel insurance with pre-existing health conditions

If you have existing medical conditions you should declare them to see whether they can be covered. We will ask some questions to find out more information about your condition, its severity and any medication you use in order to manage the condition. We use this information to determine if we are able to cover the condition.

Common conditions that may be able to be covered include diabetes, high cholesterol, high blood pressure, asthma, heart disease and cancer.

We are temporarily unable to offer travel insurance to cover people’s pre-existing medical conditions, while we make improvements to the booking engine of our website.

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What is not covered

There are some circumstances or events where your over-50s travel insurance policy may not be able to provide cover, these include:

  • Undeclared medical conditions: Any existing conditions that you have which you haven’t declared and have not been accepted will not be covered.
  • Activities not listed in the policy wording: There are some more adventurous activities which we may be unable to cover. A full list of covered activities can be found in the policy wording. Extra cover can be purchased for activities related to ski and winter sports.  
  • Being under the influence or negligent behaviour: If you need to made a claim which results from negligent behaviour, for example leaving your bags unattended, or from being under the influence or alcohol or non-prescription drugs then we may not be able to accept your claim.

For more information on what isn't covered on our travel insurance for over 50s, please see the policy documents.

Choose the perfect policy for you, with a range of cover options available

Cruise Travel Insurance

While we can still cover you under the standard sections or our travel insurance policies while on a cruise holiday, will not be able to offer the additional cover previously provided by the Cruise travel optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

Golf Travel Insurance

While we can still cover you under the standard sections or our travel insurance policies while on a Golfholiday, will not be able to offer the additional cover previously provided by the Golf optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

Group Travel Insurance

If you’re just heading on one golf holiday this year, then our Single Trip golf insurance is probably right for you. It’ll help cover you for up to 180 days.

Sports & Leisure Insurance

Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. We are unable to provide cover for riskier sports and leisure activities like kite surfing and rugby. This is a temporary measure while we make improvements. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

Winter Sports and Ski Travel Insurance

Heading to the slopes for your holiday? Our winter sports and ski add on helps protect you for delayed ski equipment, piste closure, loss of ski pass and much more.
Medical solutions icon
HealthHero 24/7 GP telephone and video consultations
Medical solutions icon
Our travel insurance policies provide you access to HealthHero – a 24/7 GP telephone and video consultation service* – which connects you with a UK GP to provide the reassurance and professional medical advice you need while you’re travelling abroad.
 
*For video consultations, time restrictions apply and UK Bank Holidays are excluded.

How to ensure you have the right cover

Does your bank or credit card company provide cover?

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting and lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, it should not be seen as a replacement for travel insurance which could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.
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Our team are available to help Monday to Friday from 9am to 5pm.
0371 200 0428
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Policy Documents

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Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the MoneyHelper directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 9am to 5pm)
or
Email: traveldirectory@maps.org.uk