Over 50 Travel Insurance
At Holiday Extras, we believe age should never hold you back from exploring. That's why we offer over 50s travel insurance with flexible options to suit every kind of trip. There's no upper age limit on single-trip policies, and our annual multi-trip cover is available up to age 85.
We consider most pre-existing medical conditions and provide emergency assistance for the duration of your trip. Choose from bronze, silver or gold cover levels and book the right policy for you from Holiday Extras.
Whether you're planning a Staycation or need insurance for over-50s for adventures further afield, our policies cover the UK & Channel Islands, Europe, Australia & New Zealand and more.
Do senior policies have an upper age limit?
The upper age limit can vary depending on the policy type that you choose and the type of activities that you wish to do during your trip.
Single Trip policy - no upper age limit
Annual policy - maximum age 85 years old
Why choose Holiday Extras?
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in claims last year, providing reliable support when it matters most.
Smart, simple cover with help from our AI assistant, SYD.
- Expert UK-based team available to support you - UK travel insurance specialists on hand to answer your questions, guide you through claims and ensure your holiday runs smoothly.
- Coverage for all ages on Single-Trip and up to age 85 on Annual policies. - Flexible senior travel insurance options from single-trip cover with no upper age limit to annual plans up to age 85, so you can book with confidence.
What's included when you insure your holiday with us
If you've decided to go on holiday, the last thing you want to be worrying about is something going wrong.
Travel insurance helps protect you financially if something unexpected happens on your trip – like lost bags, cancelled holidays or medical emergencies.
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
You can also ask SYD (our AI document assistant) who can answer questions about your policy.
- Emergency Medical Cover - If you fall ill or are injured, you can focus on your recovery, secure in the knowledge that we'll cover your medical expenses.
- Trip Cancellation and Curtailment - Having to cancel or cut short your holiday is never nice, let alone the sting of a financial loss. With our cover, you can be rest assured that cancellation cover is in place should you unexpectantly fall ill. When your cancellation cover begins will be dependent on the policy type you choose.
- Personal Possession cover - Personal possessions cover protects your belongings against loss, theft or damage, so the items that matter the most to you can be replaced or reimbursed.
Cover is subject to the terms and conditions of your policy and the authorisation the emergency assistance team.
Ready to get a quote?
Get a Quote
Setting sail on a cruise holiday?
Simply get a quote, select 'yes' when asked if youre going on a cruise, and you'll see our specialist cruise cover options.
Our cruise policies, offer extra cover for things that aren't included in a standard policy. This includes things like missed port insurance, unused excursions and cabin confinement.
Holiday Insurance for Over-50s with Pre-Existing Medical Conditions
We don't think having a medical condition should hold you back from enjoying a well-deserved break. At Holiday Extras, we believe everyone should enjoy a hassle-free holiday, which is why we consider most medical conditions.
You'll need to declare any pre-existing conditions when booking your insurance. Visit our dedicated page on travelling with medical conditions for further information.
What is classed as a pre-existing medical condition?
A pre-existing medical condition is defined as an illness, injury or condition that exists before, or at the time, you take out an insurance policy. Even if some conditions have resolved, or you feel well, we may still need to assess them. This is so that we can provide you with the right level of cover.
Some common conditions that will need to be declared when you buy insurance can include:
How to book travel insurance for over 50's
To book a travel insurance policy if you are over 50, simply click on the get a quote button below.
You will then be taken to a form where you can choose between a single or an annual policy and fill out your trip and traveller details.
Next, follow our online screening process to declare any medical conditions. From there, follow the on-screen instructions to get your travel insurance policy booked.
Need more help? Contact us
- Insurance enquiries: If you have any questions and would like to contact us, start a Live Chat or speak to our team on 0333 188 0080
- Make a claim: Please consult our Claims page for in-depth instructions on how to make a claim.
- Amend or cancel: Please visit Insurance support or contact your travel agent that you purchased the policy from.
-
Emergency assistance (24/7):
Outside US/CA/MX: +44 (0)1403 788 718
US/CA (toll free): +1-844-780-0494
Mexico: 00 1 819 780 0494
Let us answer your questions
What is the best travel insurance for over 50s?
The best travel insurance for over 50s will depend on your personal needs and your trip. Travel insurance is not a one-size-fits-all thing. When buying insurance, make sure that your policy sufficiently covers your trip and that you have declared any pre-existing conditions. Consider whether you will be taking part in any sports or activities, or if you will need cruise protection.
Choose from bronze, silver or a gold policy to suit your needs and provide the right level of protection for your trip.
Is there travel insurance for over 50s with medical conditions?
Yes, Holiday Extras considers many medical conditions. We provide policies for travellers over 50 who might have pre-existing health conditions. This includes a simple medical checks to help you get the right cover. You can declare conditions like diabetes, asthma, or heart conditions, and we'll tailor your cover accordingly.
Holiday Extras travel insurance comes with emergency medical cover in case of illness or injury while you're away. And with AnywhereGP, you get 24/7 access to non-emergency medical treatment abroad.
When do I need to arrange Travel Insurance?
It is best to arrange travel insurance as soon as you book your trip. For Single Trip policies, cancellation cover starts from the time you purchase the policy. For Annual Multi-Trip, cover begins on the start date you choose. Events that happen before cover begins aren't covered.
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!
Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.
Find out more about the policy types available to you
Whether you need annual holiday insurance for over 50s to cover every getaway, or just one-off trip protection, we've got you sorted.
Single Trip Travel Insurance
Coverage for single-trips, protecting against unexpected events, emergencies, and trip cancellations.
Get covered
Annual Travel Insurance
Our annual multi-trip policies cover you for an unlimited number of trips over a twelve month period.
Get covered
Cruise Travel Insurance
Our cover offers specific coverage for potential risks and issues that may arise on a cruise holiday.
Get covered
Medical Travel Insurance
Most medical conditions considered and 24/7 medical help available to you whilst you're abroad.
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Last updated: July 2025