It’s simply a travel insurance policy purchased by someone aged 50 or over. Travel insurance for the over 50s isn’t a separate product at Holidaysafe, and there’s no policy you’re moved onto because of a birthday. You choose from the same Single Trip and Annual Multi Trip range as any other traveller, and your quote reflects your age alongside your destination, trip length, cover level and any medical conditions declared. Cover limits, benefits and exclusions vary between policies, so read your policy wording before you buy.

Our range of Single Trip policies have no upper age limit, subject to your destination and trip duration of choice. Via Holidaysafe.co.uk, Annual Multi Trip policies are available to travellers aged up to 85. At 50, neither of those is close to being a factor, which is why the more useful question at this stage is usually about trip length and medical declarations rather than age.

The price depends on your age, destination, trip length, cover level, the number of travellers on the policy, and any medical conditions declared. Age is one input among several. For example, a long-haul trip to a country with high medical costs will usually price higher than a European break of the same length. The way to see your own price is to get a quote.

We understand that price is an important factor when purchasing travel insurance, but it shouldn’t be the most important thing. Check what each policy includes for events like cancellation, emergency medical expenses and lost or damaged personal belongings, as well as the excess you may need to pay if you make a claim. It’s also worth checking how pre-existing medical conditions and any activities you plan to do are treated under the policy. A lower-priced policy may carry lower limits or a higher excess than the quoted figure suggests.

The best travel insurance for over 50s depends on where you’re going, how long for, what you’ll be doing there, and what you need to declare medically. A policy that works for a fortnight in Crete may not fit a 10-week trip to Australia or a Baltic cruise. Our quote journey will guide you through the process of entering your trip details and comparing cover options available.

Please tell us about any medical conditions you’ve had in the last five years, any conditions you currently have, regular medication you take, or any tests or treatment you’re waiting for. You don’t need to tell us about minor illnesses like colds or flu, contraception, routine health checks with no diagnosis, or menopause-related investigations or treatment. If you’re unsure, it’s best to tell us. Travel insurance policies available via Holidaysafe consider cover for 11,000 medical conditions, powered by Protectif medical screening service when you get your quote. Any additional premium is shown before you buy.

It is really important that you declare all of your medical conditions to ensure your policy covers you. If you were to submit a claim which was connected to an undeclared condition, your claim could be denied. For example, treatment abroad for a fall may be looked at differently if there’s an undeclared condition affecting your bones or balance. Declaring everything at the quote stage helps ensure your policy correctly reflects your medical circumstances and reduces the risk of claims being affected by non-disclosure.

Contact the customer service team as soon as you can. A new diagnosis, a change of medication or a referral you’re waiting on between buying your policy and travelling all need to be declared, and the team will re-screen your declaration and confirm what it means for your cover. There may be an additional premium, and it’ll be shown to you before anything is confirmed.

Single Trip policies cover holidays of up to 94 days, depending on your age and chosen destination. Annual Multi Trip policies run for 12 months, with a maximum length for each individual trip (this will be highlighted during the quote process) and no cumulative cap on your total days abroad.

If you’re taking one holiday this year, a Single Trip policy covers that trip and stops there. If you’re likely to take several, an Annual Multi Trip policy could be more cost effective as it covers 12 months of unlimited trips and saves repeating the medical declaration each time.

Cover for cruising must be added if you’re sailing. It’s the section that deals with things a standard policy doesn’t reach, such as missed port departures and cabin confinement. Select the cruise option during your quote and enter every country excursion on the itinerary along with the departure countries. What’s included varies between policies, so check your policy wording.

Travel insurance policies available via Holidaysafe cover over 100 sports and activities, and what’s included varies with the policy you select. Golf, hiking, cycling, swimming and snorkelling are the sort of thing travellers in their 50s enquire about most. Add your planned activities during the quote so they’re accounted for and see the activity packs page for how activities are grouped. A ski trip needs a Winter Sports policy or Winter Sports cover added to your policy, so make sure you select this option during the quote process.

Two travellers can be covered under one policy, and it’s the usual arrangement for couples travelling together. Each person is named, and each declares their own medical conditions during screening. Limits shown on a policy apply per insured person unless the policy wording states otherwise. On Annual Multi Trip policies, named adults on the policy are covered to travel together and separately.

A Global Health Insurance Card gives you access to state-provided healthcare in EU countries, and it’s worth carrying. It won’t pay for repatriation to the UK, cancellation costs, or lost baggage claims. It also doesn’t apply outside the EU. The two work alongside each other: a GHIC can reduce the cost of a medical claim when you receive treatment at a state facility, but it doesn’t replace a policy. There’s more in our travel tips and advice section.

Visit the claims information page for the appointed claims team’s contact details. You’ll need your policy number, an account of what happened, and any supporting documents such as receipts, medical reports or a police report. If you need urgent medical help abroad, call the local emergency services first, then contact the 24/7 Emergency Medical Assistance team as soon as you’re able. The number is on your policy documents.