Redwood Travel Insurance

Travel Insurance Key Facts

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Travel Insurance Policy Wording

Over 50 Annual Holiday Travel Insurance

Quotes for over 50 annual travel insurance are available. The rates below are suitable for travellers aged from 50 to 64. (Obtain a travel insurance quote or see our rates for over 65 annual travel insurance for the older person). A choice of longest trip of 31, 45, 61 or 93 days provides optimum flexibility. A choice of four levels of cover offer cancellation cover up to 10,000, the option of unlimited medical expenses cover and exceedingly generous levels of personal effects.

Families with parents aged over 50, frequently have offspring (children) in their late teens and early twenties. The family travel insurance option is ideal in such circumstances as the maximum age for children is a generous 22, providing they are still in full-time education. In addition, independent travel is permitted so there is no need for the parents to accompany them on their journeys.

All premiums quoted include insurance premium tax and are for travellers aged 50 to 64 on policy inception. Additional qualifying policies may be available - try our comparative travel insurance quotation system. The rates displayed below are for couples and families only (to save space). Travel insurance rates for individuals and single parent families are available online.

Summary of Travel Insurance Contract Limits

Economy Bronze Silver Gold

Typical Rates

Table of annual Travel Insurance Rates

Days Region Party Excess Economy Bronze Silver Gold
31 Europe Couple Applied 45.21 66.49 78.22 93.87
31 Europe Couple Deleted 49.73 73.14 86.05 103.26
31 Europe Family Applied 57.26 84.21 99.07 118.89
31 Europe Family Deleted 62.99 92.63 108.98 130.78
31 Worldwide Couple Applied 64.59 94.98 111.74 134.09
31 Worldwide Couple Deleted 71.05 104.48 122.92 147.50
31 Worldwide Family Applied 81.80 120.29 141.52 169.82
31 Worldwide Family Deleted 89.98 132.32 155.67 186.81

45 Europe Couple Applied 61.03 89.75 105.58 126.70
45 Europe Couple Deleted 67.13 98.72 116.14 139.37
45 Europe Family Applied 77.30 113.68 133.74 160.49
45 Europe Family Deleted 85.03 125.05 147.12 176.54
45 Worldwide Couple Applied 87.19 128.22 150.85 181.02
45 Worldwide Couple Deleted 95.91 141.04 165.93 199.12
45 Worldwide Family Applied 110.43 162.40 191.06 229.27
45 Worldwide Family Deleted 121.47 178.64 210.16 252.19

61 Europe Couple Applied 74.59 109.70 129.06 154.87
61 Europe Couple Deleted 82.05 120.67 141.96 170.35
61 Europe Family Applied 94.49 138.95 163.47 196.17
61 Europe Family Deleted 103.94 152.85 179.82 215.78
61 Worldwide Couple Applied 106.56 156.71 184.37 221.24
61 Worldwide Couple Deleted 117.22 172.38 202.80 243.37
61 Worldwide Family Applied 134.97 198.49 233.52 280.22
61 Worldwide Family Deleted 148.47 218.34 256.87 308.25

93 Europe Couple Applied 122.06 179.51 211.18 253.42
93 Europe Couple Deleted 134.27 197.46 232.30 278.76
93 Europe Family Applied 154.62 227.38 267.50 321.00
93 Europe Family Deleted 170.08 250.12 294.25 353.11
93 Worldwide Couple Applied 174.38 256.44 301.70 362.04
93 Worldwide Couple Deleted 191.82 282.09 331.87 398.24
93 Worldwide Family Applied 220.87 324.81 382.13 458.55
93 Worldwide Family Deleted 242.96 357.29 420.34 504.41
  • Europe  =
    • The continent of Europe West of the Ural Mountains
    • The UK, 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
  • Worldwide Includes United States of America/ Canada/ Caribbean
  • The standard Excess is : 100 - Bronze/ Economy, 50 - Silver, 25 - Gold. When deleted an excess will still apply to certain sections of the policy.
  • Cancellation cover per person is: 1,000 - Bronze, 3,000 - Silver, 10,000 - Gold
  • Baggage Cover is 500 - Bronze, 1,750 - Silver, 2,500 - Gold, with much higher single article and valuable limits under the Silver (250) and Gold (750) Policy
  • Medical expenses limit: 2,000,000 (Economy/ Bronze), 5,000,000 (Silver), Unlimited (Gold). There has not yet been a medical expenses claim exceeding 1,000,000.

Obtain quote for over 50 travel insurance and buy online

Medical Conditions

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.

Whilst it is not a requirement for travellers to disclose medical conditions, we strongly recommend doing so in order that they may be covered. Non-disclosure could result in substantial costs having to be paid. Travellers should be aware that the European Health Insurance Card (EHIC) provides limited cover only and is hardly an adequate substitute for travel insurance. Cover is not available for travellers with a terminal prognosis. If the medical condition changes after policy purchase, but before any travel a fresh screening is required.

Specific features

The over 50 annual travel insurance policy includes 17 days winter sports cover free. (Heli Ski-ing and other high-risk winter sports are excluded). By paying an additional premium, the winter sports premium can be extended for unlimited days, and other activities can be included if not already covered. Full details are available when a travel insurance quote is obtained.

Additional optional policy benefits include: golf equipment cover (although we suggest the equipment is covered under a home insurance policy), business equipment cover and travel dispute cover. Schedule Airline Failure is covered automatically.  

Specific Advice on Aspects of Travel Insurance

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