What is travel insurance for over 50s?
Travel insurance for over 50s protects you from issues you might face with your holiday. We’re here if plans change, flights get delayed or if something goes wrong abroad.
Whether you’re hitting the beach in Europe, adventuring around the world, or heading on holiday with your family, we have a policy for you. Plus, we offer annual multi-trip cover, if you’re lucky enough to be going away more than once.
We’ll consider more than 1,300 pre-existing medical conditions, including diabetes, high cholesterol and disabilities. We can even offer cover if you have multiple conditions at once.
Over 50s travel insurance includes:
- Emergency medical care: Including access to our 24/7 emergency helpline and repatriation back to Ireland if needed. We can even offer cover for your pre-existing medical conditions. Just make sure you declare them in our medical questionnaire.
- Unexpected cancellation: This covers certain reasons out of your control. For example, if one of your family members becomes seriously ill or dies, or you’re made redundant.
- Cover if your bags are stolen, lost or damaged: Go away knowing you’re protected. Taking your camera, tablet, phone or other gadgets? We have optional cover for those, too.
- Cover that suits you and your trip: Whether you’re holidaying with family, friends or your partner, get everyone covered on the same policy. We also offer additional protection for activities that aren’t included as standard, like cruises and golf holidays. Find out more about our cover and any exclusions in our Policy Wording.
Why do you need over 50s travel insurance?
It’s always smart to buy comprehensive cover for your holiday, but it’s even more important as you get older. Holiday insurance for over 50s protects you if something goes wrong. Plus, as a specialist provider, we offer travel health insurance for over 50s with pre-existing medical conditions.
We’ve got your back, wherever you’re heading.
- Are you one of the many in their fifties who find they have more time and disposable income for holidays? TILDA in Ireland found: “Quality of life doesn’t decline linearly with age, but instead increases to a peak at age 68”. Protect your trip with over 50s travel insurance.
- The Department of Foreign Affairs advises: “Buying comprehensive travel insurance can save you and your family a lot of money if something goes wrong. It will also help you get the medical attention you need, when you need it. Hospital bills can quickly run into thousands of euros, and a medical evacuation back to Ireland can cost thousands more.”
- Public Health Ireland reports that “11% of the population over 50 in ROI suffer from two or more chronic diseases”. If you have a pre-existing condition, you may not be covered by a standard provider. At JustCover, we believe everyone deserves to enjoy their holiday and will consider over 1,300 conditions, even if you have multiple conditions at once.
What does JustCover’s over 50s travel insurance cover?
With over 50s holiday insurance, you’ll get protection for unexpected cancellation, emergency medical costs and more. Find full terms and conditions and all exclusions in our Policy Wording.
What's covered
Emergency medical expenses – We offer up to unlimited cover for emergency medical expenses and repatriation in an emergency. This includes costs relating to pre-existing medical conditions, as long as you declare them in our medical questionnaire.
Cancellation or curtailment – Cover if you cancel your trip due to certain reasons outside your control. Or if you need to fly home early in an emergency. Get protection for the cost of your flights and accommodation.
Travel delays – Get compensation for your time if your flight is delayed.
Your belongings – Cover for your bags and personal belongings, whether they’re lost, stolen or damaged. We also offer optional cover for gadgets.
Personal liability and legal protection cover – If you accidentally injure someone or damage their property, get help with your legal expenses and liability. We offer legal protection cover if you need to make a claim against someone else.
24/7 emergency medical helpline – Our team are there when you need them, ready to offer support, arrange treatment, or help you get home safely if something goes wrong while you’re away.
What's not covered
Claims that are less than the excess – We offer a range of policies with different excess levels.
Cancelling for reasons within your control – For instance, if you simply choose not to travel. As well as other exclusions detailed in our Policy Wording.
Issues you were aware of – If you knew about a problem before you booked your trip or bought your policy.
Places or activities not included in your policy – You cannot claim for trips outside of the regions stated in your policy, or if you take part in activities that aren’t included. We offer a range of optional cover if you need it.
Medical conditions you don’t declare – We only cover pre-existing medical conditions if you declare them in our medical questionnaire. You also won’t be covered if you’re travelling for medical treatment or going away against medical advice.
Over 50s travel insurance for pre-existing medical conditions
If you have a pre-existing medical condition, you may be turned down by a standard provider. As a specialist provider, we’ll consider over 1,300 conditions. We can even help if you have more than one condition, just like “11% of the population over 50” according to Public Health Ireland.
To get travel insurance for over 50s with medical conditions, simply declare them in our medical questionnaire. We can offer cover for:
Why is it so important to declare pre-existing conditions?
When buying over 50s travel insurance with pre-existing medical conditions, you must declare all of your conditions. Otherwise, you may invalidate your policy, and your claims may be refused even if they’re not related to your condition.
Declare all of your conditions and answer our medical questionnaire honestly and accurately. Read our Policy Wording for full details.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Find the best over 50s travel insurance
Whether you’re looking forward to one or many trips this year, we have a policy for you. Book with JustCover and look forward to your holiday.
Perfect if you’re only taking one trip this year. Protect your holiday with over 50s holiday insurance.
Annual multi-trip travel insurance
More than one holiday planned this year? Lucky you! You could save time and money with an annual policy.
Why choose JustCover for your over 50s travel insurance?
With over 50s holiday insurance from JustCover, we keep things simple. No jargon, no waffle. Offering cover for unexpected cancellation, emergency medical expenses and more:
- 98% of our customers rate us as ‘Excellent’ or ‘Great’³
- Get up to €10,000 cancellation cover⁴
- Plus, up to unlimited cover for emergency medical expenses and repatriation
- 98% of our customers would recommend JustCover to family and friends⁵
Specialist travel insurance for over 50s
We tailor travel insurance to you and your trip. Our policies cover 100 activities as standard, with additional cover available if needed. Plus, we’ll consider more than 1,300 pre-existing medical conditions.
Golf travel insurance: Get protection both on and off the course. Whether your clubs and equipment are stolen or you’re injured and lose out on green fees.
Travel insurance with medical conditions: Whether you have arthritis, a disability or high cholesterol, we’ll consider you. Even if you have multiple pre-existing conditions.
Family travel insurance: Get the whole family covered on one policy, and you’ll all be protected if something goes wrong. Enjoy your holiday knowing you’re covered.
Cruise travel insurance: You can face some unique and expensive issues on a cruise. Get protection for illness onboard, cabin confinement and more.
Destinations covered by travel insurance for over 50s
We offer over 50s holiday insurance for trips all over the world. Whether you’re enjoying a European city break or hitting the pool in Dubai. We help you take off with confidence, knowing you’ve made the smart choice.
Europe: From visiting family in the UK, to soaking up the sun in Spain. Get comprehensive European travel insurance tailored to your trip.
Worldwide: Finally ticking off those bucket list destinations? From Thailand to Mexico, the States to Australia.
How much does travel insurance for over 50s cost?
Your quote for over 50s travel insurance will depend on a number of factors. These include:
- Your age and any pre-existing medical conditions: Your quote will be higher if you’re more likely to need to make a claim. If you’re in your late fifties or have a pre-existing medical condition, the chances of facing a medical emergency are higher.
- Where you’re visiting and how long you’re going for: A longer trip will carry more risks than a weekend away. Meaning you’re more likely to make a claim. While some countries have expensive emergency medical care, such as the USA.
- Any optional cover you need: We have a whole range of extra cover for activities not included as standard. While we offer special protection for golf and cruise holidays.
A simple 3-step process to book your over 50s travel insurance
Get your quote in seconds
You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance recommendations from our team
"Your kids are growing up, and maybe you have more time and disposable income to hand. Your fifties are a fantastic time to enjoy a holiday or two! Go away knowing you’re protected for emergency medical costs, unexpected cancellation and more, even if you have a pre-existing medical condition. We’ll consider over 1,300 conditions, including diabetes, high cholesterol and more"
Peter Clark - JustCover Director
What our customers say
“I spoke with Nathan (at) JustCover, who was extremely helpful and knowledgeable regarding cover for pre-existing conditions. He even managed to get me a small discount on the final price. Everything was handled very professionally, and I was offered several competitive price plans. The whole experience of booking the cover was a very good one.”
see full reviewTips for travelling when over 50 years old
From checking your vaccinations are up to date, to digging out your passport. There are lots of ways you can prepare for your trip:
1. Make sure you’re fit to travel
Speak to your GP or medical team if you have one. This is particularly important if you have a pre-existing medical condition. They will be able to advise you on whether you’re fit to travel and any precautions you should take. You should also speak to them or a local travel clinic about whether you need any vaccinations before you go.
Make sure you have enough medication for your trip, plus extra if you’re delayed. Some countries have restrictions on some medications, so double-check information for your destination.
Your airline may need a fit-to-fly certificate if you have a pre-existing medical condition. You should also speak to them about any assistance you may require or if you need medical equipment on board.
2. Buy travel insurance for over 50s
Look for over 50s holiday insurance which covers you for emergency medical expenses, unexpected cancellation, stolen belongings and more. Make sure you declare any pre-existing medical conditions you have; otherwise, you risk not being covered for any claims. At JustCover, we’ll consider more than 1,300 medical conditions and have no upper age limit.
You should also pack your European Health Insurance Card (EHIC) if visiting a country covered by the scheme.
3. Read up on your destination
Research your destination and where the nearest emergency medical facilities are in case you need them. Along with any shops and other essentials you may need. Make sure you’re prepared for the local weather and any other conditions that might impact you, such as high altitude. Take precautions in the sun, drink lots of water and plan frequent breaks to rest.
Check any entry requirements using the Department of Foreign Affairs website and make sure your passport has enough time left on it. Most countries require at least six months' validity from your date of arrival.
Frequently asked questions about Over 50s travel insurance
Are there age limits for travel insurance?
Many standard providers do have age limits on their travel insurance policies. However, at JustCover, we believe everyone deserves to enjoy their holiday knowing they’re covered. That’s why we have no upper age limit, so you can get on with relaxing on your trip.
Note: We do have an age limit of 65 on our winter sports cover.
Are there limits on the length of trip for the over 50s?
We do have some restrictions on trip length, depending on the type of policy you’re looking for. Single trip policies can cover holidays up to 365 days long depending on where you’re going and your age.
Our annual multi-trip policies cover holidays of up to 31 or 45 days each, depending on the level of cover you picked. Always read your Policy Wording or call our team if you’re unsure.
Should you consult your GP before travelling?
It’s important to speak to your GP or medical team before you go away, to check that you’re fit to travel. This is especially important if you have a pre-existing medical condition. They will be able to advise you on any precautions you should take and any risks to watch out for.
Do you need a European Health Insurance Card (EHIC) as well as insurance?
When visiting a country where the card applies, take both your EHIC and over 50s travel insurance. The European Health Insurance Card will give you access to some state emergency medical care at the same price as locals. This won’t always be free and won’t include all costs. That’s why it’s important to also take travel insurance for over 50s with you, so you’re covered for costs such as medical repatriation.
Do you need a medical assessment to get travel insurance if you’re over 50?
You must be fit to travel to buy travel insurance for over 50s. If you need to make a claim, we may contact your doctor to check this. However, we do not ask you to undergo a medical assessment to get your quote. Simply declare your pre-existing medical conditions and fill in our medical questionnaire.
Read our Policy Wording for more details.
How do you make a claim on your holiday insurance?
This will depend on what you’re claiming for:
- Medical emergencies: Call our 24/7 medical emergency helpline as soon as possible. This must be done before making a claim.
- Other claims: Submit your claim online within 30 days of your trip ending.
You’ll need to keep a number of documents as evidence, such as medical reports and receipts. Make sure you read our Claims page and Policy Wording for full details and any terms and conditions.
What should you do if you have a medical emergency while abroad?
If you face a medical emergency, you should call our 24/7 emergency medical helpline as soon as possible. You’ll need to provide documents and receipts as evidence, so keep anything you’re given. Our Claims page and our Policy Wording details everything you need to know.
When should over 50s buy travel insurance?
If you’re buying over 50s travel insurance, it’s smart to be prepared:
- Planning ahead? You can buy travel insurance for over 50s as early as 12 months before you go away. Meaning you’ll be covered for unexpected cancellation for as long as possible.
- Last minute? You can still buy a policy on the day of departure, as long as you haven’t passed through customs in Ireland yet. See our Policy Wording for more details.
Can you extend your policy if your travel plans change or you need to stay longer?
This depends on whether you’ve left for your holiday or not:
- Haven’t left yet? Contact us using the details in your policy documents. There will be an additional cost, but we’ll be happy to look at extending your cover.
- On your trip? You can ask us to extend your policy, but we’re able to accept the changes in fewer cases. We’ll only consider the extension if no claims have been made or are pending.
- On holiday and facing an issue that’s covered, such as sickness? You’ll automatically receive an extension of up to 30 days if you must stay longer due to a covered event. See our Policy Wording for more details.
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2. Based on 2,000+ Trustpilot responses, as of 12/05/2025.
3. Based on 2000+ Trustpilot responses, as of 12/05/2025.
4. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and T&Cs.
5. Based on 128 responses, correct as of 27/08/2025.
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.