5 Star rated cover
Our Platinum cover has Defaqto's highest rating.
5 Star rated cover
Our Platinum cover has Defaqto's highest rating.
Over 50s travel insurance
What’s over 50s travel insurance?
It’s simply travel insurance that caters to the needs of holidaymakers 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.
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
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured abroad.
Delayed or missed departure
If you're delayed or miss your transport due to unforeseen circumstances, we'll cover reasonable costs for accommodation and travel.
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 belongings are lost, stolen or damaged accidentally (or deliberately by someone else), you can claim up to your policy limits.
Personal liability and legal assistance
We'll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
What isn’t covered by travel insurance?
This list isn’t exhaustive and doesn’t include exclusions for our specialist travel insurance like adventurous sports and winter sports.
- flights cancelled or delayed for any reason other than severe weather conditions, strikes, 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 medical conditions you've not declared
- claims related to the death or illness of someone not on the policy linked to pre-existing conditions they had at any time before you bought your policy
- lost or stolen items that you've left unattended
- claims where you can't give us evidence, for example, a police report or receipts
- being denied entry because your passport is out of date or you don't have the correct visa
- extreme sports, winter sports or cruise trips unless you've paid for the additional cover
- circumstances that aren’t specified in your policy
Check your policy book for all exclusions.
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 |
|
|---|---|---|---|
| Excess | £100 | £75 | £50 |
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £3K |
| 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 |
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 a pre-existing medical condition?
We define a pre-existing medical condition as an illness or injury that:
- has been identified by a medical professional
- is under investigation by a medical professional
- is known to you before your policy starts
A pre-existing condition includes things like:
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).
MoneyHelper directory
If we can't cover your medical condition, you can use the MoneyHelper directory to find a specialist insurer who might be able to cover you if you've been:
- refused travel insurance or had your policy cancelled
- offered cover with a medical exclusion that you can't remove from your policy
- quoted a price for a travel insurance policy with high medical costs
MoneyHelper makes it easier to find and compare policies you can afford that cover your condition and medical needs. Access the MoneyHelper directory online or call MoneyHelper on 0800 138 7777 (phone lines are open Monday to Friday 8:00am - 6:00pm, excluding bank holidays).
Visit the MoneyHelper DirectoryReporting a pre-existing medical condition
To cover your pre-existing medical conditions, you need to:
Declare them on your policy
If you're unsure of what to declare, please call us on 0333 234 9913
Wait for our confirmation
We'll let you know via email if your condition is covered.
Pay any additional costs
You won’t be covered until the premium is paid
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 medical condition which you need to pay a premium for.
Get a quoteUpgrade your cover
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy. Our Winter Sports Upgrade or Cruise Upgrade need to be added otherwise your trip won't be covered.
Gadget Cover
Add gadget cover to your policy and get protection for your high-value tech.
Find out moreCruise Insurance
Cover for missed port departure, cabin confinement or unused excursions.
Find out moreWinter Sports Insurance
Cover for events like piste closure and lost, stolen or damaged ski equipment.
Find out moreYour questions answered
What if my medical conditions change after I've bought my policy?
If your medical condition changes after you've brought a policy with us, but before you've gone on holiday, you need to let us know as soon as possible. We can make sure your policy is up-to-date and you still have the right cover. You might need to pay an extra premium.
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.
Still have questions?
We’ve answered a bunch of your frequently asked questions.
Travel Insurance FAQsHow to make a claim
You'll need:
- receipts
- invoices
- medical records
Visit our make a claim page for our contact details.
Terms and Conditions
- Admiral is a trading name of EUI Limited (Company Number 02686904) whose registered office is at Ty Admiral, David Street, Cardiff CF10 2EH (“the Promoter”).
- This promotion is available to new and existing Admiral customers living in the UK (the “Promotion”).
- Eligible customers will receive a 20% discount for Admiral Travel Insurance when purchasing a new Admiral Travel Insurance policy (the “Discount”).
- To apply the Discount, customers must purchase a Single or Annual Travel Insurance quote via https://www.admiral.com/travel-insurance or follow the advert linking to https://www.admiral.com.travel-insurance/reach-b?campaignCode=STR20 and enter code STR20 when prompted at checkout.
- The Discount will be deducted from the total balance when purchasing the policy.
- The Discount will remain available until 23:59 on after which it shall automatically expire.
- This Promotion cannot be combined with any other Promotion or be used via a price comparison website.
- The Promoter reserves the right to withdraw, modify or terminate this Promotion is whole or in part at any time, if it is necessary to do so.
- The terms and conditions of this Promotion do no alter or vary the terms and conditions of any Admiral Travel Insurance policy which may be purchased.
- Applications for insurance policies provided by the Promoter are subject to its normal terms and conditions including its underwriting criteria. The Promoter reserves the right to decline any application for any insurance policy at its absolute discretion and is not obliged to disclose any reason for rejection. In these cases, the customer will not be eligible to receive the Discount.
- Any fraudulent activity or abuse relating to the receipt and use of the Discount may result in the forfeiture of the Discount and/or termination of the insurance policy.
- There terms and conditions are to be governed by English and Welsh law and are subject to the exclusive jurisdiction of the English and Welsh courts.
