50 had traditionally been the suggested age and I think insurance paid my colonoscopy because I was 50, but I was already at stage 2 cancer at 50 and another friend is terminal with stage 4 at 50. If I knew then what I know now I might have self paid and had it done before 50. (With symptoms insurance would have paid earlier I am told). My only symptoms were tiredness and being blocked worse than a skinny linebacker on Larry Allen. I had no pain.
But ask your doctor. I don't want to be one of that thinks he knows medical stuff because he has been a patient.