Over 50s Travel
Insurance
Travel Insurance for over 50s and those living with pre-existing medical conditions.
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.
Top Travel Cover 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 Top Travel 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 Over 50s Travel Insurance for your trip
Whether you’re planning to go skiing or play golf, Top Travel 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.
What does Over 50s Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Over 50s Travel Insurance FAQ's
Frequently asked questions about Over 50s Travel Insurance.
Age is just one factor which can affect the cost of a policy, alongside;
- Your destination.
- Your medical conditions.
- The length of your trip.
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.
Travel Insurance for Over 50s covers medical emergency, repatriation, valuables, loss of baggage, and cover for travel delays or missed departures.
At Top Travel Cover, 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.
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.
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.
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.
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 cruises, or golf. However, adding this extra protection can impact the price of your 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.
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.
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.
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.
If you’ve purchased over 50s Travel Insurance from Top Travel Cover, 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.
What does Top Travel Over 50s Travel Insurance cover?
What’s covered?
- Medical cover – Top Travel 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
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