Travel Insurance For Over 50s With Medical Conditions

 

Company Name The AA Bronze Essential The AA Silver Essential Post Office Money Classic The AA Gold Essential Post Office Money Superior Post Office Money Superior Plus
Defaqto Star Rating 2 Stars 3 Stars 2 Stars 5 Stars 3 Stars 3 Stars
Annual Cover Price £77.87 £114.26 £122.14 £146.35 £146.56 £399.02
Medical cover £10,000,000.00 £10,000,000.00 £10,000,000.00 £10,000,000.00 £10,000,000.00 £10,000,000.00
Medical excess £150.00 £95.00 £200.00 £50.00 £150.00 0
Cancellation cover £1,000.00 £3,000.00 £1,000.00 £5,000.00 £2,500.00 £5,000.00
Cancellation excess £150.00 £95.00 £200.00 £50.00 £100.00 0
Baggage cover £500.00 £1,500.00 £1,000.00 £2,500.00 £2,000.00 £3,000.00
Baggage excess £150.00 £95.00 £200.00 £50.00 £100.00 0

 

What is Over 50 travel insurance?

Over 50 travel insurance is enough – travel insurance for people over 50 years of age. There are rarely any special features for your age. In fact, you will often be able to get the same type of policy because a young person can be.

Over 50 insurance provider specialists can specially offer to cover a wide range of medical conditions, or offer cruise travel insurance or golf travel insurance packages – but these can all be all things in the age group.

Travel insurance usually provides a general cover to everyone:

  • UK medical treatment and repatriation
  • Leave cancellation
  • Luggage
  • Personal property and money cover
  • Cover for golf equipment

Each policy is different, so when you compare over 50 travel insurance quotes, check the details to make sure that you know exactly what to do.

What about travel insurance for over 50 years with medical conditions?

One of the major concerns for over 50 people in search of travel insurance is that if you have a medical condition you can get the cover. Whether it is diabetes or cancer, heart disease or depression, even pre-existing conditions do not complicate your travel insurance search.

Here’s what you need to know:

  • You do not have to take a medical test. Your insurance provider will calculate your premium based on the information you provide. If you claim, you may have to show proof of your medical history.
  • You must announce your pre-existing status. If you do not, then you take the risk of invalidating your claim. But do not worry – when you compare over 50 travel insurance quotes, then we have a handy tool that makes your medical conditions easier.
  • There may be some detailed medical questions. For example, you might need to say when the last fight of the disease was, give details of your treatment and say whether you have been admitted to the hospital or not. It is completely normal and gives the insurance provider the information needed to calculate your premium. Be honest – it will be easier to claim if you need it.

What type of over 50s travel insurance do you need?

There are a few options you might consider:

  • Single trip travel insurance if you just have one holiday planned.
  • Annual multi-trip travel insurance if you’re going away multiple times in the next year.
  • Group travel insurance if you’re travelling with a group of friends.
  • Couples’ travel insurance if you’re travelling with your partner who lives at the same address.

What should you think of over 50 travel insurance?

Elderly is not always wise. People over the age of 55 (38%) who take winter sports vacations, believe that they never check that they are covered for winter sports, which is much higher than the average of 29% And only 14% of the age of 18-24, according to ABTA, do not ever check whether they have the right insurance or not. It can leave over 55 people at risk if they have an accident on slopes without proper insurance for travel – see the policy details.

  • The length of your journey, even in annual travel insurance, usually limits the length of travel – for example, travels only for 30 days. If you are planning a long trip, possibly taking adult interstitial or enjoying some extra freedom after leaving the children home, you have to make sure that more than 50 travel insurance may have to face.
  • The activities you are planning to do. Active holidays are becoming increasingly popular in more than 50 years – Especially, scuba diving is the favorite of the age group – more than 50 travel insurance are happy to meet adventure activities on additional activities. Select the add-ons covering your plans, and if you have sudden impulse to go for bungee jumping or snowboarding then call your insurance provider first.
  • Even your backpacking teen travels with gadgets, so if you are going for a much more spectacular trip then you are planning to take some valuable personal assets such as expensive cameras or mobile phones. Check that there are limits on the lost and stolen properties on your insurance policy and make sure you have enough cover.

Features Explained

CANCELLATION: If your holiday is cancelled, this is the maximum amount per person you can claim for travel and accommodation costs that can’t be recovered. Please check your policy documents for more details.

MEDICAL: This is the maximum amount you can claim per person for medical expenses and repatriation if needed. Please check your policy documents for more details.

BAGGAGE: This is the maximum amount you can claim per person if your baggage is lost, stolen or damaged. Please check your policy documents for more details.

DEFAQTO RATING: DEfaqto Star Ratings provide an independent and unbiased view of the quality of the product. The key features and benefits offered are assessed by Defaqto and a rating from 1 to 5 stars is assigned. This can help you see where the product sits in the market. The rating is not an indication of the suitability of the product to your needs.

SCHEDULED AIRLINE FAILURE INSURANCE: Providers cover for losses incurred if a Scheduled Airline is unable to fulfil it’s obligations due to financial failure.

END SUPPLIER FAILURE: Provides cover if losses are incurred as a result of the insolvency of end suppliers of travel services (e.g. flights, hotels, activities).

Scheduled Airline Failure Insurance: Providers cover for losses incurred if a Scheduled Airline is unable to fulfil its obligations due to financial failure.

End Supplier Failure: Provides cover if losses are incurred as a result of the insolvency of end suppliers of travel services (e.g. flights, hotels, activities).

 

The AA Bronze Essential Travel Insurance:

About this insurer

Established since: 1967

Number of policies sold: 2.8 million sales since 2010

We are the AA. And we keep everyone’s show on the road. There for our customers wherever and whenever they need us, we’re always ready for anything. We offer a range of excellent products and services to millions of customers.

Trip Single Trip
Price £40.61
DEfaqto Star Rating 2 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess £150
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £1,000
Cancellation excess £150
Abandonment following delay Not covered
Scheduled airline failure Not covered
End supplier failure Not covered
Loss of deposit excess £95
Missed departure outbound £300
Baggage and money
Baggage cover £500
Baggage excess £150
Basis Wear and tear
Single article limit £225
Valuables £250
Money £225
Money excess £150
Legal and policy details
Legal expenses £10,000
Legal expenses excess No excess

 

Post Office Money Classic Travel Insurance

About this insurer

Established since: 1643

Number of policies sold: 3.3 million

Post Office was established in 1643, by the mid-nineteenth century there were four Post Offices set-up around London. These days, there are over 11,000 branches across the UK and 99.7% of homes are within 3 miles of a Post Office.

 

Trip Single Trip
Price £43.68
Defaqto Star Rating 2 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess £200
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £1,000
Cancellation excess £200
Abandonment following delay £1,000
Scheduled airline failure £500
End supplier failure Not covered
Loss of deposit excess £200
Missed departure outbound £250
Baggage and money
Baggage cover £1,000
Baggage excess £200
Basis Wear and tear
Single article limit £350
Valuables £200
Money £250
Money excess £100
Legal and policy details
Legal expenses £10,000
Legal expenses excess No excess

 

The AA Silver Essential Travel Insurance

About this insurer

Established since: 1967

Number of policies sold: 2.8 million sales since 2010

We are the AA. And we keep everyone’s show on the road. There for our customers wherever and whenever they need us, we’re always ready for anything. We offer a range of excellent products and services to millions of customers.

Trip Single Trip
Price £51.78
Defaqto Star Rating 3 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess £95
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £3,000
Cancellation excess £95
Abandonment following delay Not covered
Scheduled airline failure £3,000
End supplier failure £3,000
Loss of deposit excess £150
Missed departure outbound £500
Baggage and money More details
Baggage cover £1,500
Baggage excess £95
Basis Wear and tear
Single article limit £300
Valuables £300
Money £250
Money excess £95
Legal and policy details More details
Legal expenses £25,000
Legal expenses excess No excess

 

Post Office Money Superior Travel Insurance

About this insurer

Established since: 1643

Number of policies sold: 3.3 million

Post Office was established in 1643, by the mid-nineteenth century there were four Post Offices set-up around London. These days, there are over 11,000 branches across the UK and 99.7% of homes are within 3 miles of a Post Office.

 

Trip Single Trip
Price £51.78
Defaqto Star Rating 3 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess £150
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £2,500
Cancellation excess £100
Abandonment following delay £2,500
Scheduled airline failure £1,000
End supplier failure Not covered
Loss of deposit excess £100
Missed departure outbound £500
Baggage and money More details
Baggage cover £2,000
Baggage excess £100
Basis Wear and tear
Single article limit £800
Valuables £275
Money £400
Money excess £100
Legal and policy details More details
Legal expenses £15,000
Legal expenses excess No excess

 

The AA Gold Essential Travel Insurance

About this insurer

Established since: 1967

Number of policies sold: 2.8 million sales since 2010

We are the AA. And we keep everyone’s show on the road. There for our customers wherever and whenever they need us, we’re always ready for anything. We offer a range of excellent products and services to millions of customers.

Trip Single Trip
Price £79.40
Defaqto Star Rating 5 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess £50
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £5,000
Cancellation excess £50
Abandonment following delay £5,000
Scheduled airline failure £5,000
End supplier failure £5,000
Loss of deposit excess £50
Missed departure outbound £750
Baggage and money More details
Baggage cover £2,500
Baggage excess £50
Basis Wear and tear
Single article limit £400
Valuables £500
Money £400
Money excess £50
Legal and policy details More details
Legal expenses £25,000
Legal expenses excess No excess

 

Post Office Money Superior plus Travel Insurance

About this insurer

Established since: 1643

Number of policies sold: 3.3 million

Post Office was established in 1643, by the mid-nineteenth century there were four Post Offices set-up around London. These days, there are over 11,000 branches across the UK and 99.7% of homes are within 3 miles of a Post Office.

Trip Single Trip
Price £103.32
Defaqto Star Rating 3 Stars
Cover Type over 50s with medical conditions
Medical
Medical cover £10 million
Medical excess No excess
European Medical Excess with EHIC No excess
Emergency Assistance Yes
Cancellation and travel
Cancellation cover £5,000
Cancellation excess No excess
Abandonment following delay £5,000
Scheduled airline failure £1,500
End supplier failure Not covered
Loss of deposit excess No excess
Missed departure outbound £1,000
Baggage and money More details
Baggage cover £3,000
Baggage excess No excess
Basis Wear and tear
Single article limit £1,200
Valuables £300
Money £500
Money excess No excess
Legal and policy details More details
Legal expenses £20,000
Legal expenses excess No excess

 

 

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