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Travel Insurance Policy Wording

Over 50 Long Stay Travel Insurance

Overview on long stay travel insurance for the over 50

The demands for long stay travel insurance when over 50 are often different for the younger traveller. The younger traveller often requires a minimum cover policy (commonly called 'backpacker insurance') with the emphasis on medical expenses and, possibly, hazardous activities cover. Once past this stage, however, normal long stay travel insurance policy provides substantially higher limits. This is why backpacker insurance policies usually have an upper age limit in the mid 30s and seldom extend beyond 40.

Traditional long stay travel insurance policies also have lower policy benefits than short stay ones. Nevertheless many people require full policy cover for extended stays. We have therefore extended our standard policy wording and benefits for the full 12 months, with options to select a wide range benefits depending on your particular requirements. Premiums are accordingly slightly higher, since claim payments are greater.

The rates below are for long stay travel insurance for the over 50. i.e.50 to 65 and assumes commencement date is 1st March. The premium, of course, depends on total length away. Please note we rate by weeks rather than months, so the exact premium may lie between the premium quoted. e.g. travelling for 5 and a half months results in a premium more than 5 months, but less than 6 as shown below. Other than the Economy contract, travellers can save 20% by deleting cancellation cover and 15% by deleting baggage cover if not necessary. A small saving on the combined premium is available for a couple aged between 50 and 65 and Families are rated at twice the single premium. Qualifying children travel free.

Information about cheap travel insurance for the over 50, 65, 70, 75 or 80

Travelers over 50 but 85 or younger, with our without medical conditions can find cheap travel insurance through our Redwood product

 

Summary of Travel Insurance Contract Limits

Economy Bronze Silver Gold

Typical Rates

Long Stay over 50 Travel Insurance: UK

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 27.82 40.91 48.13 57.75
4 ( 30 / Jun) 36.36 53.48 62.91 75.49
5 (31 / Jul) 47.04 69.18 81.39 97.67
5.5 (15 / Aug) 51.32 75.47 88.78 106.54
6 (31 / Aug) 55.59 81.75 96.18 115.41
7 (30 / Sep) 66.27 97.46 114.66 137.59
8 (31 / Oct) 74.82 110.02 129.44 155.33
9 (30 / Nov) 83.36 122.59 144.22 173.07
10 (31/ Dec) 94.04 138.30 162.70 195.24
11 (31 / Jan) 102.59 150.86 177.49 212.99
12 (28 / Feb) 111.13 163.43 192.27 230.73
  • NB For people living in the Channel Islands or Isle of Man, the UK is rated as Europe (see below)

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Long Stay over 50 Travel Insurance: EU

From 1/ Mar Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver Gold
3 (31/ May) 55.80 82.06 96.54 115.85
4 ( 30 / Jun) 72.97 107.3 126.24 151.49
5 (31 / Jul) 94.42 138.86 163.36 196.03
5.5 (15 / Aug) 103.00 151.48 178.21 213.85
6 (31 / Aug) 119.59 164.10 193.06 231.67
7 (30 / Sep) 133.04 195.65 230.18 276.21
8 (31 / Oct) 150.21 220.89 259.87 311.85
9 (30 / Nov) 167.37 246.13 289.57 347.48
10 (31/ Dec) 188.83 277.68 326.69 392.03
11 (31 / Jan) 205.99 302.93 356.38 427.66
12 (28 / Feb) 223.15 328.17 386.08 463.30
  • EU  =
    • The continent of Europe West of the Ural Mountains
    • Republic of Ireland, Channel Islands, Isle of Man
    • All countries bordering the Mediterranean Sea: this includes - Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Syria and Turkey, subject to FCO guidelines.
    • The Azores, Madeira, The Canaries, Cyprus, Malta
    • The UK for people living in the Channel Islands or Isle of Man

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Long Stay over 50 Travel Insurance: WW EX

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 97.78 143.79 169.17 203.00
4 ( 30 / Jun) 127.85 188.02 221.20 265.44
5 (31 / Jul) 165.45 243.30 286.24 343.49
5.5 (15 / Aug) 180.48 265.42 312.26 374.71
6 (31 / Aug) 195.52 287.53 338.27 405.93
7 (30 / Sep) 233.11 342.82 403.31 483.97
8 (31 / Oct) 263.19 387.04 455.34 546.41
9 (30 / Nov) 293.26 431.27 507.38 608.85
10 (31/ Dec) 330.86 486.55 572.42 686.90
11 (31 / Jan) 360.93 530.78 624.45 749.34
12 (28 / Feb) 391.01 575.01 676.48 811.78
  • WW EX: Excludes United States of America/ Canada/ Caribbean Islands

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Long Stay over 50 Travel Insurance: WW INC

Including Luggage/ Cancellation (Not Economy)
Months Economy Bronze Silver  Gold
3 (31/ May) 108.86 160.09 188.34 226.00
4 ( 30 / Jun) 142.37 209.37 246.32 295.58
5 (31 / Jul) 184.27 270.98 318.80 382.56
5.5 (15 / Aug) 201.02 295.62 347.79 417.35
6 (31 / Aug) 217.78 320.27 376.78 452.14
7 (30 / Sep) 259.67 381.87 449.26 539.12
8 (31 / Oct) 293.19 431.16 507.25 608.70
9 (30 / Nov) 326.70 480.45 565.23 678.28
10 (31/ Dec) 368.60 542.06 637.71 765.25
11 (31 / Jan) 402.11 591.34 695.70 834.84
12 (28 / Feb) 435.63 640.63 753.68 904.42
  • WW INC: Includes  United States of America/ Canada/ Caribbean countries

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  • The standard Excess is : 100 - Bronze, 50 - Silver, 25 - Gold. When deleted an excess will still apply to certain sections of the policy. The cost of deleting the excess is 10% of the premium (multiply by 1.1)
  • Cancellation cover is 1,000 for Bronze, 3,000 for Silver and 10,000 for Gold. This cover can be removed, saving 20% on the premium
  • Medical Expenses is 2,000,000 for Economy/ Bronze, 5,000,000 for Silver and Unlimited for Gold
  • Baggage/ Personal Effects is 1,000 for Bronze, 1,750 for Silver and 2,500 for Gold. The Gold contract has substantially higher limits (750 single article for instance.)
  • Additional benefits include golf cover for clubs, bag, green fees, travel dispute cover (legal expenses is provided but excludes claims against holiday organisers e.g. hotels/ flights and tour operators)
  • Business travellers may include business equipment, trade samples, computers if desired.

Medical Conditions

The premium having been obtained, customers with medical conditions may obtain a no-obligation quote to cover them.

A pre-existing medical condition exists if you or anyone in your party or anyone upon whose health the trip depends have:-

  • Been prescribed medication or received treatment or attended a medical practitioner's surgery in the last two years.
  • Attended a hospital or clinic as an out-patient or in-patient in the last two years
  • Been currently put on a waiting list for treatment or investigation
  • Been diagnosed by a medical practitioner as suffering from a terminal illness.

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