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Unlimited: no upper age limit, even with pre-existing medical conditions
Unlimited: medical cover and emergency expenses*
Unlimited: repatriation cover*, with 24/7 emergency assistance
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What is travel insurance for over 50s?
Travel insurance for over 50s is designed to give you flexible, reliable cover that fits your travel plans – whether you’re heading off on a long-haul holiday, enjoying a few short breaks, or making the most of your time away.
It offers the same protection as any good holiday insurance policy, including medical costs abroad, cancellations, lost baggage and more. But it also takes into account the needs of travellers who may have existing medical conditions or want extra confidence when planning their trips.
That might mean help with unexpected medical treatment abroad. Cover for cancelling a trip if you have an accident before you go. Or support getting home if something goes wrong while you’re away. And if that happens, we’re here 24/7.
Why choose Staysure?
We’re specialists in medical travel insurance
Unlimited: emergency medical expenses* and 24/7 support
Most pre-existing medical conditions covered
Generous cancellation cover up to £10,000
We’ve insured more than 12m people
Easy to access and amend your policy online
What does over 50s travel insurance cover?
The best travel plans still need a back-up. That’s where your insurance comes in. Our over 50s holiday insurance includes all the core benefits of our award-winning cover.
You’re covered for:
✓emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away
✓getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed
✓cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement
✓cutting your trip short – cover if something serious happens mid-holiday and you need to return early
✓lost, stolen or damaged belongings – including your baggage, passport and personal money
✓pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy
Example: You’ve booked a long weekend in Porto. A sudden illness means you have to cancel at short notice. If it’s covered by your policy, we’ll help you recover the cost of your trip.
For more information, see our guide on what travel insurance includes. Always check your policy document so you know exactly what you’re covered for.
You’re not covered for:
✓ emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away
✓ getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed
✓ cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement
✓ cutting your trip short – cover if something serious happens mid-holiday and you need to return early
✓ lost, stolen or damaged belongings – including your baggage, passport and personal money
✓ pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy
Example: If the FCDO advises against all travel to a destination and you go anyway, your policy won’t be valid.
Whether you’ve recently been diagnosed or have lived with a condition for years, we’ll aim to include it in your policy – as long as it’s declared when you get your quote.
We’ll ask a few straightforward questions about your medical history – like if you’ve had any recent treatment, tests, medication or hospital stays within the last two years. We’ll also check for any history of heart or circulation issues, even if they were a while ago.
Being open about your health helps us build cover that works for you, so it’s there if your plans take an unexpected turn.
Scenarios we regularly cover
We regularly cover conditions that are more common in your 50s, including:
If your condition isn’t listed here, don’t worry – we may still be able to help. Take
a look at our medical travel insurance page to see if it’s listed there, or speak to a member of our friendly team today.
Dr Chris Turner
BSc, MBBS
Travel can be one of life’s greatest joys – so why slow down after 50?
What our expert says…
“Many people carry on embracing travel from 50 to retirement and beyond.
Whether you have health conditions or just want peace of mind, the right travel insurance has you covered, so you can focus on exploring new places and making incredible memories. And if you’re travelling with health conditions, it’s always best to speak to your doctor first to help your trip go smoothly.
”
Proud to be a part of BIBA's medical directory
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
How to get travel insurance for over 50s with Staysure
Whether you’re declaring a medical condition for the first time or simply comparing your options, we’re here to make things easy.
1. Tell us about your trip
You can start your quote online at your own pace or speak to someone over the phone. If you choose to go online, our form is just as easy – and you can stop and come back to it whenever you like.
We’ll ask where you’re going, how long for, and whether you need cover for one trip or multiple holidays across the year.
2. Let us know about your health
Next, we’ll ask a few health questions so we can understand what support you might need from your policy.
We’ll ask about any:
conditions you’ve had treatment, medication or medical advice for in the last two years
appointments, investigations or hospital stays
upcoming tests or procedures
history of heart or circulation problems – even if they were years ago
3. Get your quote
Once we’ve got the details we need, we’ll show you your personalised quote online – or read it out to you over the phone if you’ve called.
You’ll have the option to choose your level of cover and add any extras you might need, like cruise cover or protection for your tech and gadgets. Not ready to book straight away? Your quote can be emailed to you, so you can return to it when you’re ready.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
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How much is travel insurance for over 50s?
In your 50s, travel insurance can often remain competitively priced, particularly if you’re in good health and taking standard trips. While premiums may increase over time, more noticeable price changes typically happen from your 70s onwards, as insurers take account of increased medical risks.
Of course, age is only one factor. Your destination, trip length, any medical conditions and the level of cover you choose will all play a part in shaping your quote.
When comparing policies, it’s worth looking beyond price. A policy that’s slightly more expensive might offer much stronger cover including higher medical limits, more cancellation protection, or the ability to include pre-existing conditions.
You can find out how much your policy could cost in minutes when you get a quote.
A lot of people in their 50s ask us how to keep premiums low. Our biggest tip is to only pay for the cover you’ll actually use. Don’t add extras like winter sports or cruise cover unless they apply to your trip.
What our expert says…
“Another tip? Think about annual cover if you’re planning more than one holiday. It can often work out better value than buying separate policies each time. And remember – the price you pay reflects the support you’d want in an emergency. That includes things like hospital treatment abroad, getting you home safely, or helping if your plans are disrupted.
”
What destinations does over 50s holiday insurance cover?
Whether you’re planning a long-awaited trip to the US or a vineyard tour in Europe, we can help you find the right cover. Our over 50s travel insurance can include many destinations.
If you’re choosing an annual multi-trip policy, you’ll just need to pick the right region when you get a quote. For single trip policies, simply tell us which countries you’re visiting.
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just vist your My Staysure account.
Tips for over 50s travel
They say life begins after 50. We surveyed over 2,000 people to find out if that’s true – here are some of the best travel tips we took away. We asked over 2,000 people to share their top travel tips – here are some of the best ideas for making the most of every trip after 50.
Choose your own comfort zone
Do you have to travel differently after 50? That depends entirely on you.
Our survey found that around half of respondents preferred familiar, relaxing trips, while others were keen to try new experiences and destinations.
There’s no right or wrong way to travel – whether you’re looking for new adventures or simply enjoying the trips you already love, it’s all about making the most of your time away.
There’s no age limit to adventure
2 in 3 people agreed you’re only as old as you feel.
Our survey found that nearly half of over 50s don’t see age as a barrier when it comes to winter sports like skiing.
And it’s not just skiing – active holidays remain popular for many over 50s, from hiking and biking to golf getaways.
If you’re planning activities like these, just check your travel insurance includes cover for the sports you’re taking part in. With flexible cover add-ons like winter sports, there’s no upper age limit to the protection you can add.
Plan, plan and plan some more
A little extra planning can help keep your travel itinerary running smoothly.
Some top tips for organised travellers over 50 include:
Download or print off your policy and contact details for your travel insurance validation certificate to have to hand while you’re away.
Print off luggage labels to attach to your suitcase to avoid mix ups when checking in to the airport.
Research your destination, transport options and the best payment method before you arrive.
Bring your GHIC or EHIC if you’re heading to Europe – but remember, it does not replace travel insurance.
Check if your location is covered by data roaming by your mobile network provider, or if you’ll need to find another way to access the internet while you’re out and about.
People also asked
When travel becomes a bigger part of your life – whether that means more flexibility, more trips or simply more time to explore – it’s important to have the right cover in place. That includes declaring any health conditions upfront, even if they feel routine or well managed.
We define a pre-existing medical condition as any health issue you've had treatment, symptoms, medication, tests or appointments for in the last two years. For some conditions – like heart or circulation problems – we’ll also ask if you’ve ever had them, regardless of when.
You can declare your pre-existing medical condition(s) through our online medical screening process or, if you prefer over the phone.
Health issues that feel stable or well managed can still affect your cover, especially if they’ve required medication, treatment, or monitoring in the last two years.
Some conditions – such as heart or circulation issues – need to be declared even if you’ve ever had them, regardless of how long ago.
The more accurate your details, the better we can tailor your cover to fit. And if the condition causes complications, delays your travel, or needs treatment while you’re away, it means you’ll have the right support in place.
If you’re unsure of what needs to be declared, our team can help. A quick conversation now could make all the difference later.
Travel insurance isn’t mandatory for every destination, but it’s used by many, especially those heading outside the UK. Some countries, including those in the EU and long-haul destinations like the USA, may even require proof of insurance for entry or to access certain types of medical care.
For many travellers, holidays can mean going further, staying longer or packing more into each trip.
Whether you're booking a cruise, flying to see family, or taking a city break with friends, having the right cover in place means you’re protected from costs you might not expect.
A good policy can help with:
cancelling or cutting your holiday short
medical care abroad, including hospital stays and emergency treatment
travel delays, missed connections, and other disruptions
replacing lost baggage, personal items, or travel documents
covering stolen cash or valuables
Some of these things might feel unlikely, but they’re the exact situations travel insurance is designed to cover. And taking out your policy as soon as you book means you’re protected from the very start.
We offer two types of travel insurance for people over 50, depending on how often you plan to travel:
Single trip cover – if you’re only planning one holiday, single-trip cover might be more cost-effective than annual cover.
Annual multi-trip cover – if you're taking more than one trip in the next 12 months. You’ll be covered for multiple holidays, up to a set number of days per trip.
Both options include access to our full range of cover. This can include protection for pre-existing medical conditions, depending on what you tell us during your quote.
Once you’ve chosen the type of policy, you’ll also be able to do the following:
Select your destination – this affects what your policy includes and how much it costs.
Choose your level of cover – all policies come with medical cover, cancellation protection and baggage cover as standard, but you can pick the level that suits your plans:
Basic – cover generally suitable for shorter trips with fewer valuables.
Comprehensive – a more generous level of protection.
Signature – our highest cover, with no excess to pay and the most extensive limits.
Add optional extras – these help tailor your policy to the type of trip you’re taking. You might want:
winter sports and ski cover† – if you’re skiing or snowboarding
golf cover – to protect your equipment and prepaid green fees
gadget cover – for phones, tablets and other valuables
travel disruption extension – for extra protection if your plans are affected by events like strikes** or bad weather
Travel habits can change over time – you might find yourself wanting to go further, take longer trips, or finally book that cruise you’ve had in mind. Whatever your plans, it’s important to make sure you have the right cover in place, especially if you’re managing a medical condition.
That might mean:
being able to declare medical conditions clearly, with support if you need to make a claim
having strong cancellation cover if your plans change unexpectedly
medical protection that goes beyond the basics, especially for long-haul trips
baggage or gadget cover that reflects what you travel with now
options to tailor your policy with extras like cruise, golf, or winter sports cover
There’s no single ‘best’ policy for everyone – but the right one should feel made for you. It should give you the freedom to travel how you want, knowing that if something goes wrong, you’re not dealing with it alone.
Menopause is a natural stage of life, but depending on how it's being managed, it may need to be declared on your travel insurance.
You don’t need to tell us if you’re going through menopause and haven’t had any medical intervention. But if you’ve had symptoms, treatment, or medical advice in the last two years, you’ll need to include this when you get a quote. That includes:
hormone replacement therapy (HRT)
ongoing or past symptoms, such as hot flushes, anxiety, or insomnia
GP or specialist appointments
tests, investigations, or referrals related to menopause
Just let us know during our simple medical screening when you get a quote. If we know about it, we can help you if you need to make a claim.
Your age shouldn’t be a barrier to having a great holiday and exploring the world, which is why there’s no upper age limits on any of our policies:
A GHIC or EHIC can be helpful, but they don’t do the same job as travel insurance – and they were never designed to.
These cards give you access to state healthcare in some European countries, usually on the same terms as residents. That might mean reduced-cost treatment in a public hospital, or access to emergency care without needing to pay up front.
But they don’t cover everything. They won’t help with getting you home after a medical emergency, or support if you’re travelling with health conditions. And they won’t step in if your trip is cancelled, your luggage is lost, or your passport goes missing.
That’s why many travellers still choose to have both – using their GHIC or EHIC for basic medical access, and travel insurance for the rest. Together, they give you much more complete protection, especially if your trip doesn’t go to plan.
If you still have an EHIC, you can continue to use it until the expiry date. After that, you’ll need to apply for a GHIC through the NHS or Gov.uk.
Many people choose to buy travel insurance as soon as they’ve booked their holiday – and for good reason. It means you’re protected for cancellations and changes in health before you travel, not just while you’re away.
For single-trip travel insurance, it could be a good idea to buy your policy once your travel dates are confirmed. If you’re booking something further in advance – like a cruise – you can take out cover up to 18 months ahead, and add cruise protection at the same time.
For annual multi-trip insurance, your cancellation cover starts from the policy start date. So if you’re planning a few holidays in the year ahead, starting your policy early means you’ll be covered for anything that comes up in the run-up to each trip.
A few things to keep in mind:
Your policy needs to start before you leave the UK.
You won’t be able to buy or activate cover once you’ve already departed.
If your health changes after booking, you’ll need to tell us before you travel.
If you’re fitting in a few rounds on holiday or heading off for a golf-focused break, our golf cover add-on can help. It protects your equipment for up to £5,000, covers hire costs if your clubs go missing, and even reimburses prepaid green fees if illness or bad weather stops play.
We’ll also pay £300 if you score a hole in one on a recognised course – just in case this is the trip it happens.
Cruising’s an exciting way to travel – but standard insurance might not cover everything that could go wrong at sea. Our Cruise Plus add-on is built for cruise holidays, with protection for missed ports, itinerary changes, cabin confinement and more.
Some cruise lines require medical cover of £2 million or more. With Cruise Plus added to our Comprehensive or Signature policies, you’ll have the extra cover you need – and the reassurance to fully enjoy your time on board.
** As long as strike action wasn’t common knowledge at the time of booking your trip or taking out your policy – whichever came later.
† Winter sports cover is included as standard on annual multi-trip policies.
‡Summer sale discount excludes costs to cover medical conditions and add-ons. New policies only. 12-month Holiday Pass issued after 14 days, one per policy. Ends 30/09/25. T&Cs apply.
Unlimited: no upper age limit, even with pre-existing medical conditions
