50 Plus Travel Insurance Review

50  Plus  Travel Insurance Review

50 Plus Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of 50 Plus Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are 50 Plus and who underwrites their policies?

**** PLEASE NOTE 50 PLUS INSURANCE NO LONGER OFFER ONLINE TRAVEL INSURANCE ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

50 Plus Insurance is the trading name of Bluefin Insurance Services ltd, who are based in Old Broad Street London. Bluefin are one of the UK's leading Insurance Brokers with over 1400 staff in 40 offices across the country. They are of course authorised and regulated by the Financial Conduct Authority. Travel policies are underwritten by DTW1991 at Lloyds of London.

Specalising in Travel Insurance for those over the age of 50, they offer single trip policies up to the age of 85 and annual policies up to the age of 75. We have awarded their policy a four star rating.

50 Plus Travel Insurance Policies are Underwritten By Lloyds Syndicate DTW 1991

How 50 Plus Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by 50 Plus Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from 50 Plus Travel Insurance, they are Standard, we have rated these as follows:-

Rating for Single Trip Standard:

Single Trip Travel Insurance Guide here
50 Plus Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
50 Plus Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from 50 Plus Travel Insurance, they are Standard, we have rated these as follows:-

Rating for Annual Standard:

Annual Travel Insurance Guide here
50 Plus Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

50 Plus Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

17 Key Points you need to know about 50 Plus Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are dependents under the age of 18 (or 24 and in full time education) who reside together.

2

What are the policy age limits?

At time of purchase:-

Maximum age of 85, for Single Trips.

Maximum age of 75, for Annual Multi Trip policies

3

What are the policy Trip Duration limits?

Single Trip: Trip Duration up to 365 days for insured persons aged up to 70, reduced to a maximum of 31 days for those aged between 71 - 85.

Annual Trip: Trip Duration is 45 days per trip, up to the age of 70, reduced to 31 days for insured persons between the ages of 71- 75. The length of any one trip can be increased to 60 days, provided you are aged 70 or under.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added with the payment of an additional premium on your Single Trip Policy, up to the age of 85. Winter Sports can be included on your Annual Policy, provided you are aged 75 or under.

The policy covers fourteen different activities, including off-piste skiing and snowboarding (only in areas considered to be safe by the resort)

The policy recommends reading the ten international ski fereration rules for the conduct of skiers.

5

What is classed as a family and how many people can be quoted for?

There is no limit to the number of individuals you can insure under one policy.

Family Travel means Two adults (or single parent family) residing at the same address for at least six months and all their dependent children (under the age of 18, or under the age of 24 and in full time education) who all reside together. 

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC not Mandatory, but strongly advised. If travelling to Australia you must enrol in Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

The policy provides a comprehensive list of acceptable holiday activities covered as standard, including (but not limited to) bungee jumping, jet skiing, paragliding, safaris and scuba diving up to 30 metres (as long as PADI qualified).

If you have opted for wintersports, there is also a list of acceptable wintersport activities. Personal Liability cover is excluded for jet skiing, sailing, yachting, skidooing, snowmobiling or use of any form of motorised vehicle.

If you intend to take part in an activity not listed, we recommend that you contact the Insurer to obtain permission in writing and pay any additional premium to ensure that you are covered. 

8

What are the policy Alcohol Exclusion terms?

Policy states cover is excluded for “being under the influence of intoxicating liquor”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

The policy provides automatic cover for financial failure of the end supplier.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre-existing conditions are automatically excluded apart from you only having one of the following conditions: Certain Asthma, Type 2 Non-Insulin dependent diabetes mellitus, high blood pressure and hypercholesterolemia conditions (read the policy for full terms and conditions. For any other condition, you need to phone their medical screening line on 01689 892246 and make sure cover has been agreed in writing.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11

What are the policy rules on travelling when pregnant?

The Insurance Provider states cover is excluded for pregnancy or childbirth in respect of any trip starting and/or finishing within eight weeks of the expected date of birth. 

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Labour is excluded for this policy.  

If your plan is to carry out specific work, you should contact the insurance provider to see if they are able to include it.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Any claim is settled after taking into account a deduction for wear and tear and depreciation

Original receipts for items delayed, lost, stolen or damaged are required to substantiate your claim.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Cover is excluded for any claim arising as a result of “War, invasion, foreign enemies, hostilities (whether war be declared or not), civil war, or any act, condition or warlike operation incident to war. War like action by a regular or irregular miliitary force or civilian agents, or any action taken by any government, sovereign or other authority to hinder or defend against an actual or expected attack, insurrection, rebellion, revolution, attempt to usurp power or popular uprising or any action taken by government or martial authority in hindering or defending against any of these.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

The policy covers reasonable additional accommodation expenses (up to the amount stated in the schedule) following an emergency or a government declaration of an emergency.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to you if you and all others to be insured are resident in the United Kingdom or Channel Islands and are registered with a doctor.

17

Miscellaneous

The period of insurance is automatically extended for up to 30 days in the event that completion of your journey is delayed due to circumstances beyond the Insured Person's control, PROVIDED THAT the insured person is not being detained by the police or any other lawful authority.

50 Plus 's 'User Friendly' Rating

That's Insurance have reviewed 50 Plus 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where 50 Plus rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for 50 Plus Travel Policies

We've highlighted Pro's anc Cons for 50 Plus , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by 50 Plus Insurance.

  • The annual and single trip policy has been awarded a four star rating
  • Financial Failure covered as standard up to £5,000
  • Single trips can be taken for up to 12 months (terms and conditions apply)
  • Winter sports can be included on single trip policies up to the age of 85
  • No online underwriting of pre existing medical conditions available

What Cover do 50 Plus policies offer.

We've listed below cover levels for policies offered by offered by 50 Plus Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Standard

    Annual

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    400

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    400

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,000

    1,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    400

    400

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    400

    400

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    5,000

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

Sample Quotes from 50 Plus Insurance.

Listed below are some Sample Quotes offered by 50 Plus Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

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How to Buy Travel Insurance from 50 Plus Insurance

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Current Discount Codes for 50 Plus - No Current Discount Codes

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Customer Reviews of 50 Plus Insurance

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