Over 50s travel insurance
Up to £20m medical cover
For emergency illness and injury
Protect your belongings
Up to £2.5K if your things are lost, stolen or damaged.
5 Star rated cover
Our Platinum cover has Defaqto's highest rating
What’s over 50s travel insurance?
It’s simply our standard travel insurance that caters to the needs of holidaymakers, including those over the age of 50.
You can tailor your policy to suit your next getaway, whether you’re going on a luxury cruise or need cover for a specific health condition.
Admiral's cruise upgrade must be added to your Admiral Travel Insurance policy if any part of your trip involves a cruise. We won't cover any claims (including medical treatment or trip cancellation) without this upgrade.
What over 50s travel insurance covers
We'll cover you for the following events. Remember policy limits and exclusions apply, so always check your policy book.
Emergency medical expenses
If you become ill or are injured while you're on holiday, we'll cover necessary emergency medical costs.
Delayed or missed departure
We'll cover reasonable travel and accommodation expenses if your trip's delayed or you miss transport for unforeseen reasons.
Personal accident cover
We'll pay up to your policy limits if you have an accident which causes your death, loss of sight or limb, or permanent disablement.
Lost or stolen belongings
If your personal belongings are lost, stolen or accidentally damaged during your trip, you can claim up to your policy limits.
Legal liability and legal assistance
We'll pay for reasonable legal costs to help you claim compensation for injury, illness or death during your holiday.
Choose from three levels of cover
We have three cover levels for you to choose from, depending on the level of protection you want for your next trip.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £2.5K |
| Money and documents | £300 | £400 | £500 |
| Personal accident | £10K | £15K | £25K |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20K | £20K | £30K |
| Catastrophe cover | £1K | £1.5K | |
| Excess | £100 | £75 | £50 |
What's excess?
Excess is the amount of money you pay to your insurance provider if you need to make a claim on your travel insurance. This applies to each insured person for each type of claim you make.
What's not covered
This list isn't exhaustive and doesn't include exclusions for our specialist travel insurance for cruise trips and extreme/ winter sports (unless you've paid for the additional cover).
- flights cancelled or delayed for any reason other than adverse weather, strike, or mechanical breakdown
- claims related to flights that don't start or end in the UK (connected flights)
- trip cancellation because you've changed your mind
- pre-existing conditions you've not declared
- claims related to death or illness of someone not on the policy linked to conditions they had when you bought your policy
- lost or stolen items you've left unattended
- claims where you can't give us evidence, for example, a police report or receipts
- being denied entry because you don't have passports or the correct visas
- circumstances that aren't specified in your policy
For more information on what's covered read our policy book.
What's a pre-existing condition?
We define a pre-existing condition as any illness, injury or medical condition that someone had at any time before buying insurance.
A pre-existing condition would be an illness, injury or condition that:
- has been identified by a doctor
- is under investigation by a doctor
- is known to you before your policy starts
- occurred within our specified timescales and has now been resolved
A pre-existing condition includes things like:
- diabetes
- cancer
- high cholesterol
- heart disease
- high blood pressure
If you have a pre-existing condition, you must disclose it to us before you buy your policy, otherwise you won't be covered for any related claims.
Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).
Does over 50s travel insurance cost more?
The cost of policies always depends on where you’re going, how long you’re going for, and what you’re going to get up to on your trip.
The price might be higher if you have a pre-existing condition which you need to pay a premium for.
Get a quoteYour questions answered
What if my medical conditions change after I've bought my policy?
If your policy can continue with the changes updated, you might need to pay an extra premium or we may vary your terms of cover such as applying a medical exclusion where appropriate.
Is there an upper age limit?
The maximum age limit for our policies is up to 90 years old for annual multi-trip policies, and up to 100 years old for single trip policies. The age limit and level of cover we offer depends on your information and details of your holiday.