Over 50 Travel Insurance
Whether you’re planning a relaxing beach holiday, a cultural city break, or a longer adventure abroad, it’s important to have the right travel insurance in place. Our over 50s travel insurance is designed to give you confidence and peace of mind, with cover that’s tailored to your needs.
Plan Options
What is Travel Insurance for Over 50s?
Travel insurance for over 50s is a type of policy designed to meet the specific needs of older travellers. It offers cover for unexpected events such as medical emergencies, trip cancellations, lost luggage and travel delays.
As we age, the likelihood of needing medical support abroad can increase, so it’s essential that we’re covered with the right travel insurance. It’s a way to protect both your plans and your finances, giving you the freedom to travel with confidence.
Where do you cover?
Enjoy a relaxing getaway, discover new destinations or travel with family and friends, all with the reassurance of over 50s travel insurance from Expatriate Group. Our policies provide cover across Europe and worldwide, tailored to suit your travel plans and needs. You’ll be protected from the moment your policy is in place and your travel dates are set, right up until you arrive safely back home.
Please note, we are unable to offer travel insurance to travellers departing from Benin, Burkina Faso, Dominican Republic, Ivory Coast, Nigeria or Senegal.
Where do you cover?
Policy Benefits
Key benefits of our Over 50 Travel Insurance
Our over 50s travel insurance provides flexible, reliable cover to suit your lifestyle and travel plans. With a core policy that can be personalised through optional extras, you can choose the level of protection that matches your destination, activities and health needs.
Emergency Medical Evacuation
If you fall ill or suffer an injury while abroad, medical evacuation might be necessary to get you the right level of care. Our over 50s travel insurance includes cover for emergency medical transport, so you can be taken to an appropriate facility if needed.
Emergency & Accidental Medical Treatment
Our core policy includes comprehensive cover for medical treatment and emergency evacuation, including hospital care, prescribed medication, an air ambulance or other urgent treatment you might need whilst abroad. It’s designed to protect you from unexpected expenses and provide peace of mind throughout your journey.
Enhanced Benefits & Protection
The Standard policy builds on the cover provided by our Basic option, with the added benefit of optional extras for greater protection. Travel can sometimes come with the unexpected, so if you’d like cover for things like lost personal items or a misplaced passport, the Standard policy offers that extra layer of reassurance.
Cancellation and Curtailment Cover
Alongside everything included in the Standard policy, our Comprehensive cover also includes protection for trip cancellation and curtailment. This can be particularly valuable if your plans change unexpectedly or you’re required to cut your holiday short due to unforeseen events.
TRAVEL INSURANCE OVER 50
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Travel Insurance for Over 50s. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Over 50 Travel Insurance FAQs
What’s the age limit for over 50s travel insurance?
Our over 50s travel insurance has specific age limits depending on the type of policy. Single Trip Travel Insurance can be purchased up until the day before you turn 72, while Annual Multi-Trip Travel Insurance is available until the day before your 71st birthday.
Is over 50s travel insurance cover available for annual multi trip policies?
Yes, over 50s travel insurance is available for annual multi-trip policies. You can purchase this cover up until the day before you turn 71, allowing you to travel multiple times throughout the year with a single policy tailored to your needs.
Can I add cover for activities such as golfing or skiing?
Yes, you can usually add cover for activities like golfing or skiing to your over 50s travel insurance policy. These optional extras provide protection while you enjoy your chosen sports, but it’s important to check that your specific activities are included and declared when you arrange your cover.
Are personal belongings and passports covered by over 50 travel insurance?
Yes, our Standard over 50s travel insurance policies includes cover for personal belongings and lost passports. This means you’re protected if your luggage is lost, stolen, or damaged, and there’s usually provision to help with the cost of replacing a lost or stolen passport while you’re travelling.
Does the over 50 travel insurance policy cover travel delays or missed connections?
Yes, our Comprehensive over 50s travel insurance includes cover for travel delays and missed connections. This can help reimburse additional expenses you incur if your trip is disrupted due to delays, such as accommodation or alternative transport costs. It’s worth checking the specific terms and limits of your policy for full details.
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