Travel Insurance for Over 50s
Give your holidays an extra feel-good factor
- 99% of pre-existing medical conditions covered
- 5 star Defaqto rated product options
- 24/7 emergency medical assistance helpline
Travel Insurance that gives back
Whether you’re 50 or 101, Age Co Travel Insurance delivers an extra feel-good factor to your holidays. Our cover is provided by AllClear, specialists in medical travel insurance. Together, we’re able to cover 99% of pre-existing conditions and aim to offer you quality coverage at a fair price.
And, because we’re owned by Age UK, our net profits go back to the charity so you’ll be helping us to support older people in need. Last year, our customers helped us give back £4 million to the charity.
Reasons to choose Age Co Over 50s Travel Insurance
- Cover for over 1,300 different pre-existing medical conditions
- Selected for the over 50s and with no upper age limit
- 24/7 medical assistance is included as standard
- Up to unlimited emergency medical and repatriation cover
- UK, Europe and Worldwide cover options to choose from
- Cancellation cover in case of illness, including Covid
Cover options
Annual
People over 50 are travelling more than ever. Typically, if you have three or more trips planned for the year, annual cover can be a cost-effective way of protecting yourself. You’ll save time on taking out multiple single-trip policies, while still receiving all the benefits of comprehensive insurance.
An annual policy can protect you on a range of trips, including beach holidays and snowy getaways. And with our range of cover levels, you can choose the right level of protection for the year ahead.
Single Trip
Designed to cover you over the course of a single holiday, this type of policy is best suited to anyone who only has one or two trips planned for the year. With Age Co Travel Insurance, even on single trips, you can find coverage for medical emergencies and lost or damaged personal possessions.
You can buy single-trip travel insurance up to 12 months before your holiday. If you include cancellation cover, this means you can protect your trip from the minute your policy starts.
What's covered
Whether you’re tanning on the beach, enjoying a new city, or hitting the ski slopes, we provide three levels of quality cover to protect you annually and on single trips. This means you can find over 50s travel insurance that is right for you.
 |
Gold |
Gold Plus |
Platinum |
Emergency medical expenses and Repatriation costs |
Up to £10m |
Up to £15m |
Unlimited |
Cancellation |
Up to £2k |
Up to £15k |
Up to £25k |
Travel Delay |
Up to £300 |
Up to £1,500 |
Up to £1,500 |
Recuperation stay |
✔ |
✔ |
✔ |
Personal Belongings |
Up to £2k |
Up to £2.5k |
Up to £3k |
Personal liability |
Up to £2m |
Up to £2m |
Up to £2m |
Mobility aids |
Up to £500 |
Up to £2,500 |
Up to £2,500 (no excess) |
Legal protection cover |
Up to £50k |
Up to £50k |
Up to £100k |
Cruise cover |
✖ |
Available as an optional extra |
Included as standard |
Optional extras
Available for all three levels of cover, you can choose to customise your policy with any of these optional extras.
Golf cover: keen golfers can get peace of mind for their next big trip with cover that includes protection for both equipment and green fees.
Winter sports: if you're aged 65 or under, you’ll not only have financial assistance in case of sporting accidents but also cover for skiing equipment and piste closures.
Natural disaster cover: if your trip is disrupted by unforeseen circumstances, such as wildfires or a typhoon, you’ll be compensated for flight and accommodation costs.
Waiting list cover: protects you in the event of any pending medical treatment getting in the way of your holiday. For example, if a scheduled operation is brought forward and your trip needs to be cut short.
Travelling companion cover: if you’re travelling with a friend or family member who is insured by another provider, this will cover the cost of their cancellation or curtailment, should you become unwell and aren’t able to travel.
Gadget cover: we offer extra protection for items such as cameras, mobile phones, tablets, and laptops. Should they be lost, stolen or suffer from accidental damage, you’ll be covered for up to £2,500.
Coronavirus cover
Anyone protected by Gold, Gold Plus, and Platinum levels benefits from robust Covid-19 safeguards, which include:
- Covid-related cancellation: If you or a member of your travelling party are diagnosed with Coronavirus within 14 days of your scheduled departure, then your prepaid transport and accommodation costs will be covered
- Coronavirus treatment: Should you contract Covid-19 while on holiday and need care, you can be protected by up to an unlimited amount in emergency medical expenses. And if you need to extend your trip, your policy includes up to £2,000 for accommodation and travel costs for you and a companion
- Early return due to Covid: If a member of your immediate family is hospitalised or passes away due to Coronavirus, your policy will cover the costs incurred from a trip ending early
Policy documents
Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided by AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section.
Gold Product Information Document IPID
Gold Increased Excess Product Information Document IPID
Gold Excluding Cancellation Product Information Document IPID
Gold Plus Product Information Document IPID
Gold Plus excluding cancellation Product Information Document IPID
Platinum Product Information Document IPID
Trusted partners
At Age Co, we pride ourselves on working with expert partners to provide products and services that best meet our customers’ needs. That’s why we’re pleased to have AllClear as the provider of Age Co Travel Insurance. AllClear is passionate about offering value to customers of any age and with any condition. They’ve helped 3.5 million customers with their travel insurance needs.
Combined with our expertise in older people and commitment to helping people make the most of later life, together we’re helping more people travel with confidence.
Frequently asked questions
How we work with AllClear
Why have you chosen AllClear to provide Age Co Travel Insurance?
Our team have carefully selected AllClear as our Travel Insurance provider, furthering our mission to deliver quality products and services for the over 50s.
Age Co previously offered Travel Insurance up until August 2019. We’ve taken the last few years to research the needs of our customers and find a new partner who we feel has the right range of products and a strong reputation for customer service, as well as being inclusive to older holiday-goers. Combined with our expertise in older people and our commitment to helping people make the most of later life, AllClear and Age Co are helping more people take that trip of a lifetime.
Who is AllClear?
Founded in 2000, AllClear is a UK provider that offers specialist medical travel insurance. Since then, they have gone on to protect over 3.5 million travellers worldwide and have approved 1,300 different pre-existing conditions.
AllClear is on a mission to help anyone with medical conditions get the protection they want and need. With a passion for delivering fair pricing to anyone of any age, Age Co selected AllClear to be our Travel Insurance provider in 2023.
Travel Insurance explained
Do I need travel insurance?
No matter where your next holiday is taking you, having travel insurance can help provide both peace of mind and vital protection should things go wrong. This could mean reimbursing you should your trip get cancelled, or stepping in to cover the cost of any hospital stays. No matter your age or your medical history, we always advise getting some level of cover in place far in advance of any planned trip, if you are able.
Many products, including Age Co Travel Insurance, offer different levels of coverage and can be tailored to suit your needs.
How much is travel insurance?
The cost of travel insurance is calculated based on your age, pre-existing medical conditions, trip duration and where you plan on visiting. Prices will also vary depending on how much protection you’re after and how much excess you’re willing to pay.
The easiest way to know how much travel insurance will cost is to approach some providers and get some quotes.
Do you need travel insurance if you have a GHIC card?
The Global Health Insurance Card allows UK residents to receive the same level of healthcare in Europe that the locals have access to. It is currently valid in 27 EU countries. This means that there are a lot of countries where this card won’t be valid. It also will not cover all possible medical costs you may incur, nor protect any medical equipment you may need to bring. Therefore, it is still recommended to take out travel insurance.
When should you take out travel insurance?
This will depend. If you’re looking to keep the cost of your quote down, then purchasing insurance just before a trip will be the most cost-effective option. However, this will mean you are unprotected against cancellations. Only by taking insurance out in advance will you be covered against your holiday falling through - though you will likely pay a higher premium for this.
At Age Co, you can take out single trip travel insurance up to 12 months in advance of your trip. This not only gives you one less thing to think about when your holiday comes around, but, if your policy includes cancellation coverage, you’ll be protected if your plans change.
Can I be insured after a heart attack/stroke/other medical event?
Many people worry that they won’t be able to take out travel insurance after a change to their health, especially after a sudden event like a heart attack. If you have experienced a change in your health within the last few years, you might find yourself needing specialist medical travel insurance. At Age Co, we have carefully selected AllClear as the provider of our Travel Insurance. They were the first in the UK to create travel insurance that provided for people with pre-existing conditions. Together, we’re able to help 99% of customers find protection for their next holiday.
What is travel insurance excess?
Excess refers to the amount you agree to pay towards any claims that may occur. For instance, if your excess towards cancellations is £250, then you’ll pay the first £250 of any claim made on a cancelled trip. Your insurer will then pay the rest, providing it is within the agreed limit. Typically, the more excess you’re willing and able to take on, the cheaper the policy - though this can vary, depending on other factors involved.
Which travel insurance covers the over 70s?
As we get older, it can be hard to find the right travel insurance, especially if a provider has an age limit in place. Luckily, Age Co Travel Insurance has no upper age limit. For older travellers and those with pre-existing conditions, we’ll do our best to help you feel protected during your next getaway.
How do you get a quote for travel insurance?
Getting a quote for travel insurance is both easy and flexible. You can get a quote for Age Co Travel Insurance, provided by AllClear, either online or by calling the AllClear team on 0800 030 4885.
Whether you’re opting for single trip or annual cover, you will need to detail any pre-existing medical conditions you have. We also recommend having details about your planned trips to hand.
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Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.