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The Guide to Senior Travel Insurance

Ramsey Qubein

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The best senior travel insurance options

Tips for selecting travel insurance for seniors, what else seniors need to know about travel insurance, travel insurance for seniors, recapped.

Travel insurance is a smart way to protect the money you have invested in a big trip in case unforeseen hurdles stop you from traveling. Seemingly now more than ever, last-minute changes can disrupt a trip, and in some cases, the money spent on nonrefundable purchases is at risk. There are numerous travel insurance options for people older than 65, but it is important to understand the nuances of senior travel insurance.

Medical issues or situations at (or en route to) your destination can stifle even the best-laid plans. Many credit cards include travel insurance as one of their benefits. These plans can assist in the event of lost or delayed baggage, flight delays and cancellations, and other adjustments to a trip paid for with that particular card.

When buying supplemental senior citizen travel insurance, don’t rely on the default option presented by your travel provider. There are many considerations to take into account, like how far from home you plan to be, the potential for injury or sickness (including your pre-existing medical conditions), and what may already be covered by other insurance plans you have.

For example, medical evacuation may not be covered, but local transportation to a hospital may be. And remember that U.S. health plans or Medicare coverage are especially limited outside of the country.

Here are some options worth reviewing from a handful of insurance providers: Allianz, Medjet, Travelers and your specific travel provider.

Here are a select few senior travel insurance options for people 65 and older.

seniors travel insurance reviews

Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments overseas, even in the local currency and their preferred payment methods, to keep you from paying out of pocket.

For longer trips, it offers an AllTrips Prime Plan in increments of three, six or 12 months (ideal if you plan to vacation elsewhere during the winter months, for example). This plan covers emergency medical transport. The company takes into account certain pre-existing medical conditions so be sure to read the fine print.

If you fall ill or need assistance during your travels, Medjet ’s supplemental coverage for medical transportation helps you get to your home or the hospital of your choice. It includes air medical transport. This is a membership program that covers emergencies and can be tacked onto trips or purchased annually. While not technically travel insurance, this company offers an additional medical transport option for emergencies.

This coverage can be helpful if you're planning to travel in remote or unfamiliar areas, such as on safaris, to secluded islands and other far-flung destinations.

» Learn more: Does travel insurance cover medical expenses?

Most other travel insurers might only get you to the nearest appropriate hospital facility. For travelers younger than 75, Medjet offers no pre-existing medical condition exclusions and it doesn't rule out the same number of activities that other providers might.

3. Travelers

With the option to buy an annual, multi-trip protector, Travelers insurance covers a whole year of trips with the option to upgrade several features. The add-ons include “Cancel For Any Reason” insurance and trip interruption coverage.

4. Your travel provider’s own plan

On certain types of trips, say a cruise or a Caribbean resort that is prone to hurricanes, using the travel provider’s recommended insurance can be a good bet. This coverage is usually offered as an add-on during the booking process, but it can also be added after the reservation.

Most likely, these policies are designed to cover delay or cancellation issues, but be sure to read the fine print to see if medical transportation or trip interruption is also included.

Choosing a provider of your own can make sense when planning your own travel (let’s say a honeymoon to Paris or the Maldives). If a cruise line or safari outfitter offers insurance of its own, that might be the most comprehensive when it comes to that particular provider’s operations.

» Learn more: The best cruise insurance

Deciding if you need travel insurance is the first hurdle. Next comes the task of selecting the right one without spending more than the cost of what you are actually trying to protect. These are some important tips to consider.

Compare plans

It is wise to compare the options available using aggregator websites like SquareMouth (a NerdWallet partner) and InsureMyTrip.com. These sites compare the options from dozens of different providers detailing what they do and do not cover.

Seeing the exclusions as well as considering them within the framework of your trip can help you select the best plan for your travel needs.

Consider existing coverage

Review your existing coverage, whether that is via your health insurance or any credit card protections you may have. Some of the benefits you might be paying extra for when getting supplemental travel insurance may already be covered.

Read the fine print

Don’t base your final decision on price, as sometimes the cheapest policy may be the most restrictive — and the most expensive policy may give you coverage for activities you won't even be doing.

What may seem like an inclusion may actually be disallowed due to a technicality (terrorist attack or war). If you’re not sure, pick up the phone and ask if your specific situation is covered.

Timing is key. The sooner you buy your travel insurance coverage, the more time you have to benefit from it. The price could also rise the closer you get to departure. If you wait until the departure date to buy it, you would be out of luck if the week before you get sick or the destination closes its borders. Buying insurance after an issue arises won't help you.

Travel insurance is a safe way to protect that sunken cost. Spending money on travel, even with the benefit of loyalty program miles and points to offset some of the cost, can be a significant investment. Chances are that you won’t even need it, but like other insurance policies, it can pay off in the event of unforeseen circumstances. Weigh the cost of potential expenses with the insurance plan. Canceling a rental car for a road trip may not be a big deal, but business class flights and a nonrefundable cruise might be.

Credit card coverage only protects you if you use that card to pay for your travel. The Chase Sapphire Reserve® and The Platinum Card® from American Express also offer travel insurance benefits when paying with points, too. Terms apply. Using the right card for your trip can help save money on other potential travel insurance costs.

» Learn more: Best travel insurance options for older adventurers

What may seem like an unnecessary extra cost can actually help save the day in certain circumstances.

It can pay dividends to understand what your existing coverage includes (especially via a particular credit card) so that travelers over 65 make the most advantageous insurance decision for their trips.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

seniors travel insurance reviews

TIME Stamped

Personal Finance

Best travel insurance for seniors for 2024.

travel insurance seniors

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Older people are among the country’s most frequent travelers. According to Squaremouth , an online travel insurance marketplace, age 60 and above is the most active age group for travel, with a nearly 37% share.

If you’re a senior—and whether you’re planning the trip of a lifetime or a short getaway—you may want to consider travel insurance. Travel is costly and can be complex. New concerns, such as COVID-19, add to traditional concerns, such as losing your luggage or having a problem with a tour provider. An insurance policy can protect your travel investment and ensure you have the coverage you need when far from home.

Travel insurance for seniors can be much more expensive than for younger travelers. A quote from Nationwide was 161% more expensive for a pair of 65-year-olds than for a pair of 30-year-olds. A quote from Seven Corners was 212% more expensive for the older couple! So you do owe it to yourself to shop around and make sure the policy you choose offers the coverages you need at a price that works for your travel budget.

Compare the best travel insurance for seniors

Our recommendations for the best travel insurance companies for seniors, best for spontaneous travel: aig travel guard.

AIG

AIG Travel Guard

Pros & cons:.

  • Pack N’ Go plan helps spontaneous travelers save money.
  • Amount of medical coverage is on the lower end.

One of the great things about retirement is the ability to get up and go when you please. If spontaneous travel is your thing, AIG Travel Guard could be a great choice. Its Pack N’ Go plan helps you save money off the company’s already competitive pricing by eliminating trip cancellation coverage.

Best for annual plans: Allianz

Allianz

Allianz Travel Insurance

  • Wide variety of travel insurance plans, including annual plans.
  • Coverage for pre-existing conditions is included with all plans.
  • Medical coverage is lower than that offered by other providers.
  • Baggage coverage is lower than that offered by other providers.

If you travel a lot, you might consider purchasing an annual travel insurance plan. This provides coverage for all your travels in a 12-month period. And a great company to check with would be Allianz, which offers four levels of annual plans (in addition to five single-trip plans). With so many plan choices, you can likely find a policy that works for your coverage needs and budget.

Best for cruises: Berkshire Hathaway

Berkshire Hathaway

Berkshire Hathaway Travel Insurance

  • Available travel insurance plan with cruise-specific coverages.
  • Medical coverage is lower than that offered by other providers in our review.

If you’re planning to take a cruise, you’re not alone. The cruise industry is booming . Berkshire Hathaway Travel Insurance offers a cruise package that accounts for the financial risk of booking a cruise, including coverage for missed connections, cruise disablement, and cruise diversion. The plan also includes medical coverage and emergency evacuation coverage at higher levels than what is available with the company’s most economical travel insurance plan.

Best for medical coverage: Generali

Generali Global Assistance

Generali Travel Insurance

  • Up to $250,000 of medical expense coverage is available.
  • Medical evacuation coverage is among the highest.
  • Coverage for pre-existing conditions not available with its most economical plan.

If you’re traveling internationally, you’ll want to pay close attention to your travel insurance medical coverage. The fact is, U.S. private health insurance does not typically provide coverage outside of the country and neither does Medicare. So if you become ill or get injured while traveling, you’ll need to rely on your travel insurance to cover the costs of any medical care.

Generali ’s most economical plan provides a generous $50,000 worth of medical coverage. This can be bumped up to $150,000 by choosing its mid-range plan or $250,000 with its top plan. The company also provides $250,000 of coverage for medical evacuation, which is among the highest levels of coverage in the plans we reviewed. 

Best for budget travel: Nationwide

Nationwide

Nationwide Travel Insurance

  • Lowest cost plan in our review.
  • High level of medical coverage.
  • Cancel-for-any-reason (CFAR) coverage is only available with its most expensive plan.

ons is included with all plans.

Nationwide is another company that offers multiple plan options (including annual), ensuring you find the coverage you need at a price that works for your budget. The company was also the lowest-cost provider in our review, making it a good choice for budget travel.

And with Nationwide, low cost doesn’t mean less coverage. Its $75,000 of medical coverage and $250,000 of medical evacuation coverage are on the high side.

Best for cancel-for-any-reason coverage: Seven Corners

Seven Corners

Seven Corners

  • Optional CFAR coverage reimburses up to 75% of prepaid expenses.
  • Medical coverage available with the most economical plan is the highest of any in our review.
  • Coverage for pre-existing conditions is available only with more expensive plans.
  • Most expensive plan in our review.

COVID-19 remains a concern for many seniors. Most plans’ standard trip cancellation coverage doesn’t pay if you decide to cancel because COVID has flared up at your destination. For that kind of flexibility, you need cancel-for-any-reason (CFAR) coverage. CFAR can be added to Seven Corners ’s most economical plan for an extra fee ($204 in our quote). It provides reimbursement of up to 75% of your non-refundable, prepaid expenses if you decide to cancel because of concerns about COVID or any other reason not covered by your trip cancellation coverage.

Best for car damage insurance: John Hancock

Travelex

Travelex Travel Insurance

  • $50,000 car rental coverage available with all plans
  • Optional cancel-for-any-reason coverage available with all plans for 50% of the plan cost
  • John Hancock’s plan is one of the more expensive in our review

If your international trip includes driving, you’ll want to be sure you have coverage in case something happens to your rental car. While your personal car insurance policy may include coverage for driving a rental in the U.S. and Canada, it likely provides no coverage in other countries. (Be sure to talk to your agent or car insurance company before you travel to understand what your policy does and doesn’t cover.)

Most of the companies in our review offer optional rental car coverage; this includes John Hancock . Its generous $50,000 of coverage is available with even its cheapest travel plan, at an affordable $9 per day. That can help cover the cost of any damage that occurs while you’re out exploring.

Best for traveling with children: Travelex

  • Children can be covered for no additional cost with the Travelex Select plan.
  • Can upgrade to include car rental coverage.
  • Coverage for pre-existing conditions is not available with its most economical plan.

What better way to spoil your grandchildren than to take them on vacation? If you’re traveling with minor children, consider Travelex for your insurance needs. The Travelex Select plan includes free coverage for children under age 17, provided their costs do not exceed those of the adults on the policy.

Methodology

We reviewed plans from several leading travel insurance companies, relying on information gathered from company websites. Our review focused on trip coverages, medical expense coverages, and baggage coverages. We also noted which companies offered options such as coverage for pre-existing conditions and cancel for any reason (CFAR) coverage. Be sure to check your policy to confirm which coverages and features are available with your plan.

Our cost information is based on quotes for each company’s lowest-cost policy. We quoted two 65-year-old travelers for a five-day trip to Hawaii in December 2023 valued at $8,000. These costs are provided for comparison purposes only. Your travel insurance costs will vary based on factors such as your number of covered travelers, destination, plan choice, and optional coverages.

How to choose the best travel insurance for seniors

Choosing travel insurance as a senior means paying attention to many of the same features and benefits as any other shopper. However, there may be some aspects of a policy that you’ll want to pay particular attention to, depending on your needs. Always be sure to review your policy documents carefully to understand what your policy does and doesn’t cover.

Here is a rundown of the main features of a travel insurance policy:

Trip coverages

The standard trip coverages are trip cancellation and trip interruption. These help reimburse your costs if you have to cancel or cut short your trip due to an illness, accident, or other reason outlined in the policy. These coverages typically apply if a family member becomes ill, prompting you to cancel or cut short your trip—but check how “family” is defined, if you’re worried about a cousin or someone else not in your immediate family.

Note that these coverages typically do apply if you’re diagnosed with COVID-19 prior to departure. For example, a policy would likely pay a claim you file if you need to cancel your trip because you contract COVID-19 two days before leaving home. However, these coverages typically do not apply if there’s a sudden outbreak of COVID-19 (or any other illness) at your destination, and you decide not to travel. For that situation, you’d want to add cancel for any reason (CFAR) coverage. CFAR, as the label implies, provides reimbursement regardless of why you cancel your plans.

Medical coverages

Travel insurance policies typically include emergency medical expenses and medical evacuation coverages. These reimburse your medical costs if you’re injured or become ill while traveling. Some travel insurance plans may deny claims if your injury happens as a result of an adventure sport or other risky activity. However, if you know you’re going to engage in one of these activities, you may be able to add this coverage as an option.

You may want to check if your policy offers a waiver for pre-existing medical conditions. This means that if you file a medical claim, the insurance company cannot examine your medical history to determine if that claim should be covered. Without this waiver, the company could deny a claim for a medical emergency related to a chronic condition.

Finally, keep in mind that private health insurance typically doesn’t provide coverage outside of the U.S. Public health insurance, such as Medicare and Medicaid, doesn’t provide international coverage either. It’s one more reason to make sure your travel insurance policy medical coverage is as robust as possible.

Baggage coverages

Having your luggage lost or stolen is a common frustration among travelers. With baggage coverage, you’ll be reimbursed if your luggage is lost, stolen, or delayed in transit. Most of the plans we reviewed provide several hundred dollars of coverage, which should help you pay to replace clothing and personal items so you can continue your travels comfortably.

Optional coverages

Depending on your needs, you may want to consider other optional coverages.

One such option is rental car coverage, which is offered by each of the providers in our review. Rental car coverage can be a much less costly option than choosing the collision and loss damage waiver offered by the rental car agent. And note that while the comprehensive and collision coverage on a personal car insurance policy often extend to rentals in the U.S., they do not extend to cars rented in other countries.

How to get international travel insurance for seniors

Travel insurance is easy to shop for and buy. All of the companies in our review offer online quotes that you can receive in just minutes. The information you need to key in to get a quote is simple: The age of everyone in your party, where you live, your travel destination and dates, and the cost of your trip.

You can also consider using services such as Travelinsurance.com or Squaremouth . These act as online insurance brokers that provide quotes from multiple insurance companies. You only need to key in your information once to get a wide range of plans and prices.

What factors determine the cost of travel insurance for seniors?

Your travel insurance cost can be affected by several features. These include:

  • Number of travelers in your party.
  • Traveler age.
  • Destination.
  • Cost of trip.
  • Plan and optional coverage selections.

As with any type of insurance, you owe it to yourself to shop around. Note that there is a $198 difference between the most and least expensive plans in our review. Just make sure that you’re getting the coverage you need for your travels.

TIME Stamp: Consider buying insurance if you have travel plans

Many seniors love to travel. If you’re of that age and have travel plans, consider travel insurance. A policy provides financial protection in the event you have to cancel your trip and provides important medical coverage wherever your travels take you. Bon voyage!

Frequently asked questions (FAQ)

How can seniors save on travel insurance.

To save on travel insurance (at any age), shop around. You’ll find that plans vary in cost among providers.

You should also see if your credit card offers any travel insurance benefits, such as car rental insurance . You may find that your card provides coverage for the entire cost of your trip, or that you can supplement it with a basic plan from one of the insurers in our review.

What travel insurance is best for seniors?

The best travel insurance for a senior depends on the traveler’s coverage needs and budget. Each of the providers in our review offers multiple plans at different prices. They also offer options to customize coverage.

Should seniors buy travel insurance?

Seniors should strongly consider buying travel insurance before leaving home. Even the most intrepid senior traveler has heightened concerns that younger travelers may not share, such as the need for medical coverage and medical evacuation coverage, or coverage that can apply if a destination experiences a flare-up of COVID-19 or other infectious disease.

Can a 70-year-old get travel insurance?

Yes. Many travel insurance companies offer plans for those 70 and older.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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Travel Insurance

Best travel insurance for seniors in March 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 5:18 a.m. UTC March 1, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Tin Leg and Trawick International offer the best travel insurance for seniors, according to our analysis of plans’ cost and coverage limits.

Best senior travel insurance plans of 2024

  • Tin Leg: Gold
  • Trawick International: Safe Travels First Class
  • Seven Corners: Trip Protection Choice
  • Generali Global Assistance: Premium
  • Nationwide: Prime

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 840 coverage details evaluated.
  • 84 rates reviewed.
  • 5 levels of fact-checking.

Top-rated travel insurance for seniors

Tin Leg

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

  • Excellent $500,000 per person in primary emergency medical coverage.
  • Very good emergency medical coverage of $500,000 per person.
  • Eligible for pre-existing medical condition exclusion waiver if conditions are met.
  • “Cancel for any reason” coverage of 75% available.
  • No “interruption for any reason” upgrade available.
  • Hurricane and weather coverage kicks in only after a 48-hour delay.
  • Lowest baggage and personal item loss coverage of our top-rated senior plans.
  • Lowest travel delay coverage of our top-rated senior plans.
  • No rental car coverage option.

Trawick International

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

  • Second-cheapest of our best senior plans.
  • Best-in-class medical evacuation coverage of $1 million.
  • Pre-existing condition coverage available if conditions are met.
  • Baggage loss coverage of $2,000 per person is the best among our top senior plans.
  • No “interruption for any reason” coverage upgrade available.
  • Travel delay benefit takes 12 hours to kick in.
  • Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

  • Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
  • Great “interruption for any reason” coverage of 75% available.
  • The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

  • Top-notch $1 million per person in medical evacuation coverage.
  • Solid baggage loss coverage of $2,000 per person.
  • “Cancel for any reason” coverage of 75% available.
  • Baggage must be delayed for 12 hours before benefits kick in.
  • Missed connection coverage of $1,000 per person only applies to cruises and tours.
  • Emergency medical expense benefit is secondary coverage.

Nationwide

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

  • If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
  • High travel delay coverage of $2,000 per person ($250 per day limit).
  • “Cancel for any reason” coverage of 75% is available.
  • Low missed connection benefit of $500 per person for cruises and tours only.
  • No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

Pre-existing medical condition exclusion waiver: 20 points. Travel insurance plans that cover pre-existing medical conditions if the policy is purchased within a required timeline received points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

  • Trip cancellation insurance . 
  • Trip delay insurance.
  • Trip interruption insurance. 
  • Travel medical insurance. 
  • Emergency medical evacuation .
  • Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

  • Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19 . 
  • Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
  • Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
  • Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
  • “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

More: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

  • What is travel insurance?
  • What does travel insurance cover?
  • Average cost of travel insurance
  • Is travel insurance worth it?
  • Best COVID travel insurance
  • Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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65 or Older? Here Are The Best Travel Insurance Plans for Seniors

The top-rated plans all have at least $100,000 in travel medical coverage and at least $250,000 in emergency medical evacuation coverage., erica lamberg, erica lamberg's most recent stories.

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Travel Insurance

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With more than a year of travel adventures lost, it’s time to consider how you’ll explore the world again. Whether you’re going across the country or around the world, travel insurance for seniors can provide a valuable safety net if a trip goes wrong. Here are the best senior travel insurance plans based on our ratings of two dozen travel insurance policies.

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All the winning travel insurance plans below include coverage for Covid in trip cancellation and travel medical benefits

Nationwide Cruise Choice Plan

Why we picked it: Nationwide Cruise Choice Plan offers superior benefits at excellent prices for senior travelers.

This plan provides $100,000 per person for emergency medical expenses and $500,000 per person for emergency medical evacuation . You will also get non-medical evacuation coverage of $25,000 per person, which covers transportation if you have to move to a safe location due to a natural disaster or civil/political unrest.

Nationwide’s Cruise Choice Plan has top-notch baggage loss coverage of $2,500 per person. Other highlights include missed connection coverage of $1,500 per person after only a three hour wait and the option to add “cancel for any reason” coverage.

If you are looking for an upgrade, it’s worth taking a look at Nationwide’s Cruise Luxury plan.

Potential drawbacks: Travel delay coverage of $750 per person is low compared to top competitors.

Trawick International Safe Travels First Class Plan

Why we picked it: Trawick’s International Safe Travels First Class plan has excellent prices for seniors and a wide range of solid benefits.

The plan comes with $150,000 per person in emergency medical expenses and $1 million per person in medical evacuation coverage. You’ll also get $2,000 per person in baggage loss coverage and $1,000 per person for missed connections (cruises and tours only).

The plan has good travel delay coverage of $1,000 per person but only after a 12-hour delay. And if you’re the type of traveler who wants the ultimate flexibility, you can add “cancel for any reason” coverage to your policy.

Potential drawbacks: Baggage delays and travel delays are only reimbursed after a 12-hour delay. That’s a long time compared to some top competitors that require only six hours (or less).

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

Why we picked it: Great prices for senior travelers make AXA’s Gold plan an attractive option.

The plan comes with $100,000 per person in emergency medical expenses and $500,000 per person for emergency medical evacuation. You’ll also get non-medical evacuation coverage of $50,000 per person in case you need to move to safety because of a natural disaster or civil/political unrest.

AXA’s Gold plan has good baggage loss coverage of $1,500 per person. It has generous missed connection coverage of $1,000 per person if you miss your cruise or tour. The plan also includes concierge services.

Potential drawbacks: AXA’s Gold plan does not offer optional “cancel for any reason” coverage.

Cat 70 Travel Plan

Why we picked it: Superior coverage for medical expenses at very competitive prices for seniors makes the Cat 70 plan a solid choice for senior travelers.

Cat 70’s Travel plan pairs a whopping $500,000 per person in emergency medical expenses with $500,000 per person in emergency medical evacuation coverage. Travelers seeking trip cancellation flexibility can add “cancel for any reason” coverage.

Potential drawbacks: Compared to some top competitors, reimbursement is on the lower end for travel delay ($500 per person), lost baggage ($500 per person) and baggage delay ($200 per person after 24 hours).

HTH Worldwide TripProtector Classic Plan

Why we picked it: Excellent prices for seniors make the TripProtector Classic plan worthy of consideration.

TripProtector Classic comes with $250,000 per person in emergency medical expenses and $1 million per person in emergency medical evacuation coverage. The plan includes good travel delay benefits at $1,000 per person after a six-hour delay.

Senior travelers looking for even better benefits (at a higher cost) may want to upgrade to the Worldwide TripProtector Preferred plan.

Potential drawbacks: Baggage delay benefits might be insufficient at $200 per person after a 12-hour delay and you won’t have the option of adding “cancel for any reason” coverage.

Tin Leg Gold Plan

Why we picked it: Tin Leg’s Gold plan offers ample medical benefits at competitive prices for seniors.

With $500,000 per person for emergency medical expenses and $500,000 per person for emergency medical evacuation coverage, Tin Leg’s Gold plan has some of the highest medical benefits among top competitors.

You will also have the option to add “cancel for any reason” coverage.

Potential drawbacks: Reimbursement is low compared to top competitors for travel delay ($500 per person), baggage delay ($200 per person after a 24-hour delay) and baggage loss ($500 per person).

USI Affinity Travel Insurance Services Ruby Plan

Why we picked it: USI Affinity’s Ruby plan has solid medical benefits and very competitive prices for seniors who are traveling.

The plan comes with $250,000 per person in emergency medical expenses and $500,000 per person for emergency medical evacuation. If you want the flexibility to cancel your trip, you’ll have the option to add “cancel for any reason” coverage.

Potential drawbacks: Baggage delay ($300 per person) and baggage and personal items loss ($1,000 per person) are lower than top competitors and might be insufficient for senior travelers looking for higher coverage amounts.

Tips for Seniors Buying Travel Insurance

Travel insurance can be essential for many types of trips, but seniors are particularly vulnerable to travel-related problems. Most notably, travelers age 65+ should consider a travel insurance policy with medical insurance and medical evacuation benefits.

Understand Insurance Needs When Traveling Abroad

With the vaccine rollout and countries relaxing border restrictions, you may be thinking about taking that river cruise to Portugal or a wine tour in France.

It’s important to know that when you travel outside the United States a domestic health insurance plan will not generally travel with you. This includes Medicare.

A key focus for seniors should be travel insurance with high limits of travel medical insurance, says Jeremy Murchland, president of travel insurance company Seven Corners. “Some plans on the market limit coverage to only $25,000 or $50,000,” he says. “Depending on the type of care needed, this may not be enough to cover the cost.”

“Most Medicare plans will not cover a person outside of the U.S. or U.S. territories,” explains Gail Manganite, lead customer advocate for InsureMyTrip, a travel insurance comparison provider. She notes that there are some Medigap and supplemental plans that offer health coverage outside the U.S., but deductibles and copayments will still apply.

Find out if your current health insurance includes emergency medical coverage outside the country and what restrictions apply. Then you’ll know how much travel medical insurance you need to fill the gap.

If you want top-notch coverage, look for travel insurance plans that offer $500,000 in medical coverage.

Get Medical Coverage for Pre-Existing Conditions

You don’t want a pre-existing condition to flare up during a trip, but in case it happens, have a travel insurance plan that covers it. You do this by getting a pre-existing medical condition exclusion waiver.

The availability of this important waiver is time-limited:  You’ll have to add it to a travel insurance plan within a specified number of days from the date you make your first trip payment. For example, Seven Corners’ RoundTrip Choice plan covers pre-existing conditions if you buy it within 20 days of the date of your initial trip payment.

But your plan might have a window of only 14 days to get pre-existing conditions covered.

Plan for Medical Evacuation Coverage

If you require an emergency airlift back to the United States, it could easily cost $100,000 or more for private, emergency transport. Emergency medical evacuation insurance pays to move you to a medical facility with appropriate and necessary care if the facility where you are located is unable to provide the level of care needed for your medical condition, says Murchland.

You can find travel insurance plans with up to $1 million in coverage for emergency medical evacuation.

Be Aware of “Cancel for Any Reason” Coverage

“Cancel for any reason” coverage is an add-on that you can tack on to some travel insurance plans. It will add about 40% to your travel insurance cost but gives you the widest flexibility to cancel the trip for any reason and get some reimbursement (typically 50% or 75%).

Without it, you’ll receive trip cancellation reimbursement only if you cancel for a reason listed in the base policy, such as an illness or injury that forces you to abandon travel plans. “Cancel for any reason” coverage will give you the option to cancel for reasons like a sudden fear of flying or simply changing your mind.

Consider Customer Service Options

Murchland says to pick a travel insurance company that has services that match your comfort level.

“For example, Seven Corners has found that a higher percentage of seniors wish to discuss a travel insurance plan over the phone and, in some cases, want assistance selecting a plan and executing a purchase,” he says. “In today’s world of chat bots and email, this is an important consideration for seniors who would prefer to talk with a person.”

Stay on Top of Your Insurance Timeline

Buying a travel insurance plan early and taking the time to read it can pay off later. In addition, a travel insurance agent can help you understand what the policy covers and find plans that fit your travel insurance concerns. It’s wise to:

  • Buy your plan early (shortly after you make your first trip deposit) so you don’t miss out on key benefits like pre-existing conditions coverage.
  • Review your plan information well before your trip . Understand what reasons are covered for trip cancellation insurance claims. If you want broader coverage, consider adding “cancel for any reason” coverage, which also needs to be added shortly after your first trip payment.
  • Feel comfortable asking questions to ensure you understand your plan and how it works.
  • Keep in mind that travel insurance plans offer 24/7 travel assistance help . If you run into trouble during your trip, make use of the professional help available for language translation, finding a pharmacy and much more.

Methodology

Using data provided by Squaremouth, a travel insurance comparison provider, we evaluated 24 travel insurance plans that have at least $100,000 in travel medical coverage and at least $250,000 in emergency medical evacuation coverage. Scores were based on:

  • Travel insurance rates (50% of score) for a range of travelers age 65 and older, for trips in a variety of lengths, destinations and costs.
  • Coverage benefits (50% of score) including travel medical expenses, cancel for any reason availability, Covid coverage, medical evacuation, baggage delay, baggage loss, missed connection, non-medical evacuation, travel delay.

Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today, and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com . 

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Best Senior Travel Insurance Companies of 2024

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Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The best travel insurance for senior citizens can complement Medicare coverage while also offering financial protection against unexpected trip interruptions. However, travel insurance plans for seniors are usually more expensive because companies assume an increased risk of health incidents and more costly medical expenses.

We at the MarketWatch Guides team researched dozens of top travel insurance companies to identify the best in the industry. Based on our methodology, Faye and Travelex offer the best policies for seniors , although Berkshire Hathaway and Nationwide also deliver notable options. Learn more about the benefits travel insurance can provide older adults and which companies offer the best coverage when compared to Medicare inclusions.

Faye Logo

Top 9 Senior Travel Insurance Companies of 2023

Here are our picks for the top travel insurance companies for U.S. residents:

  • Faye : Our top pick
  • Travelex : Our pick for budget travelers
  • Berkshire Hathaway Travel Protection : Our pick for luxury travelers
  • Nationwide Travel Insurance : Our pick for cruise travel
  • Generali Global Assistance : Our pick for emergency assistance
  • AXA Assistance USA : Our pick for leisure travelers
  • Seven Corners Travel Insurance : Our pick for international travelers
  • HTH Travel Insurance : Our pick for group travel
  • International Medical Group : Our pick for medical coverage

Compare Senior Travel Insurance Companies

As an older person considering travel insurance, it’s important to balance coverage versus cost. The table below summarizes our top recommended travel insurance providers — and what type of traveler each company is best for.

Note: Costs are an average of plans offered by each provider for a 65-year-old couple taking a week-long vacation to London with a total trip cost of $7,000. 

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Faye

  • AM Best Rating:  A+
  • Sample trip cost: $482
  • Medical expense limit: $250,000

Why Faye Is Great for Senior Travelers

In addition to offering a streamlined online buying process, Faye’s policies are also efficient for seniors. The company includes $250,000 worth of primary medical coverage on all its policies and has a pre-existing conditions waiver to help seniors cover chronic medical conditions. Faye’s policies include $500,000 in emergency medical evacuation coverage, which older travelers may require if they have a complex health condition or are in a remote area.

Pros & Cons

Coverage & cost.

Faye offers the following add-on options:

  • CFAR coverage
  • Rental car damage or theft
  • Adventure and extreme sports protection
  • Vacation rental damage protection

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $482 for a Faye plan.

*Costs were collected for a 65-year-old couple taking a week-long $7,000 vacation to London from the company’s website in November 2023. 

Travelex

  • AM Best Rating: A++
  • Sample trip cost: $398
  • Medical expense limit: $50,000

Why Travelex Is Great for Senior Travelers

Travelex can be a valuable insurance policy for seniors because of its primary medical coverage. Medicare does not pay for medical care for most injuries and illnesses if you become hospitalized outside of the U.S. Insurance that offers secondary coverage may leave you with a major medical bill after a serious accident. Travelex’s two policies for seniors include primary medical coverage that goes into effect before Medicare to help cover hospital costs.

You can choose from the following add-on coverage with Travelex:

  • Adventure sports coverage
  • Cancel for any reason (CFAR) coverage (up to 75% of trip costs)
  • Accidental death and dismemberment (AD&D) and medical benefit upgrades
  • Car rental collision

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $398 for a Travelex plan.

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

  • Sample trip cost: $488
  • Medical expense limit: $100,000

Why Berkshire Hathaway Is Great for Senior Travelers

Berkshire Hathaway’s coverages can be ideal for seniors planning a luxury vacation or group travel, especially if premiums are too expensive with other providers. The company’s LuxuryCare policies offer travel protection up to $100,000, ideal for travelers accustomed to more high-end accommodations.

In addition to higher overall limits, Berkshire Hathaway’s policies include automatic coverage for pre-existing conditions and financial insolvency as long as you buy a policy within 14 days of your initial trip deposit date. Plus if you’re traveling to a remote area, all policies include $500,000 worth of medical evacuation insurance.

You can add several coverage options to your LuxuryCare plan within 15 days of your trip deposit:

  • Cash advance assistance
  • CFAR Upgrade
  • Financial default or airline or other transport covered
  • Pre-existing medical conditions waiver
  • Roadside assistance

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $404 on average for Berkshire Hathaway plan.

Nationwide Travel Insurance

Nationwide Travel Insurance

  • AM Best Rating: A+
  • Sample trip cost: $273
  • Medical expense limit: $150,000

Why Nationwide Is Great for Senior Travelers

Nationwide is a good insurance option for seniors taking a vacation on the sea. It is one of the only travel insurance providers to offer cruise-specific coverage. Nationwide’s policies also feature a few inclusions that can benefit older travelers. Trip interruption coverage includes up to 200% of your trip cost, and you can qualify for a pre-existing conditions waiver up to 21 days after your initial deposit. While medical limits are lower than competitors, Nationwide’s general and cruise-specific coverages offer an affordable option for older travelers.

Nationwide offers the following add-ons, but available coverage may vary by plan.

  • AD&D coverage (available on all plans)
  • Rental car coverage options (Essential and Prime plans)
  • CFAR coverage (Prime Plan, Cruise Choice and Luxury plans)

Based on the quotes we requested, a 65-year-old couple going on a week-long, $7,000 vacation to London would pay $354 for a Nationwide plan.

Generali Global Assistance

Generali Global Assistance

  • AM Best Rating: A
  • Sample trip cost: $320

Why Generali Global Assistance Is Great for Senior Travelers

First-time international travelers can add peace of mind by having a team of bilingual travel experts on standby to assist in an emergency. All of Generali’s policies include around-the-clock travel assistance and generous medical coverage of up to $250,000. Generali’s medical coverage does not include a lower cap for dental coverage, which is a benefit if you experience a dental abscess or another major dental emergency on vacation.

Generali’s Premium plan has fewer add-on options than other insurance providers, including:

  • $25,000 in rental car accident insurance (included with the Premium plan or you can add to the Standard and Preferred plans)
  • CFAR insurance (available with the Premium plan only

A 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $559 for a Generali plan, based on our quotes.

AXA Assistance USA

AXA Assistance USA

  • Sample trip cost: $440

Why AXA Assistance USA Is Great for Senior Travelers

AXA can be ideal for seniors planning a leisure trip because of the added benefits it offers, including reimbursement for lost rounds of golf and sporting equipment rentals. Its upper-tier plans include identity theft coverage and 24/7 travel services. It also has an option to add credit card protection.

AXA offers the following add-on coverage for any travel insurance policy:

  • CFAR coverage (up to 75%)
  • Collision waiver on a rental car (up to $50,000)

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London could pay $440 for an AXA plan.

Seven Corners Travel Insurance

Seven Corners Travel Insurance

  • Sample trip cost: $228
  • Medical expense limit: $100,000 for ages 65 to 79 years

Why Seven Corners Is Great for Senior Travelers

As an older traveler, your primary concern when buying travel insurance may be comprehensive medical care and evacuation protections. Seven Corners offers a broad selection of medical insurance policies with coverage limitations for travelers up to 80 years of age or older. Policies for those under 79 years old are available with up to $100,000 in medical coverage. Many other providers exclude these ages. Seven Corners also offers medical evacuation coverage up to $1 million, which can benefit those traveling to a remote area.

With Seven Corners, you can add extra coverages including:

  • CFAR insurance (available for shorter plans)
  • Event ticket registration fee protection
  • Hazardous sports and activities coverage
  • Interrupted for any reason (IFAR) coverage
  • Rental car collision waiver ($35,000 maximum)
  • Sports and golf equipment rental coverage

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $228 for a Seven Corners plan.

HTH Travel Insurance

HTH Travel Insurance

  • AM Best Rating: A-
  • Sample trip cost: $358
  • Medical expense limit: $1 million

Why HTH Is Great for Senior Travelers

If you’re traveling with a group, it can lower costs to buy coverage through a travel insurance provider that offers benefits when you purchase two or more policies at once. HTH’s travel insurance policies have a 10% discount for groups of travelers over the age of 65 and include medical limits of up to $1 million. Policies are underwritten by Nationwide in most areas, and you may qualify for up to 200% of trip interruption coverage and primary medical benefits.

You can add the following coverage to your group insurance plan:

  • CFAR insurance (must purchase within 10 days of your first trip deposit)
  • Rental car damage (not available in Oregon, New York or Texas)

Based on quotes we gathered, a 65-year-old couple going on a week-long, $7,000 vacation to London would pay $358 for a HTH plan.

International Medical Group

International Medical Group

  • Sample trip cost: $524
  • Medical expense limit:  $8 million

Why IMG Is Great for Senior Travelers

If you’re looking for more extensive medical coverage, it’s hard to beat the number of policies available through International Medical Group (IMG). The company has inclusive international policies, with more than five choices and up to $8 million in medical coverage on single-trip plans. IMG also makes it easier for seniors to customize coverage, allowing you to skip baggage and delay-related coverage if you would prefer medical insurance.

Rental car damage and theft coverage, which some companies offer as add-ons, is included with many of IMG’s plans. You can add the following optional coverages:

  • Pet kennel (up to $100 per day with a max of $300 per pet)
  • Pre-existing condition review

IMG’s medical insurance policies include some exclusions limiting when you can use your coverage. But you can purchase a waiver that extends coverage to medical issues resulting from adventure sports and terrorism.

A 65-year-old couple going on a week-long, $7,000 vacation to London can expect to pay $481 for an IMG plan.

How We Selected the Best Travel Insurance for Seniors

After reviewing dozens of travel insurance providers, we ranked the best options for senior travelers by cost, coverage and value. The following are the major factors that influenced how we ranked each company:

  • Medical expense limits: Companies with higher medical expense limits ranked higher on our list, specifically providers offering medical benefits higher than $250,000.
  • Primary medical coverage: Medicare does not cover most medical bills incurred abroad. Companies offering primary medical coverage scored higher than those that only offer secondary coverage.
  • Emergency medical evacuation: Not every travel insurance company offers medical evacuation coverage. We ranked companies with at least $100,000 in coverage higher than those with a lower benefit amount or not offering coverage at all.
  • Premium costs: Travel insurance is more expensive for seniors because insurance companies consider older adults more likely to run into a medical issue and file an insurance claim. To compare premium costs , we gathered quotes for a U.S. couple taking a trip to the United Kingdom and ranked companies based on average affordability.
  • Travel assistance: We ranked companies offering 24/7 travel assistance higher than those with more limited customer service hours.

How Much Does Senior Travel Insurance Cost?

We gathered prices from company websites in November 2023 for a 65-year-old couple from Alabama looking to insure a week-long, $7,000 trip to London.  

How To Pick The Best Senior Travel Insurance

When shopping for senior travel insurance, consider the following tips to pick the right policy for your coverage needs.

Think About Selecting a Higher Deductible

There are a few ways you can customize your coverage to lower premiums. For example, by opting for a higher deductible, you can save more on your premium since the insurer will pay less if you need to file a claim. However, you will owe more out of pocket if you file a claim compared to selecting a lower deductible.

Your policy’s deductible is the amount you will pay for medical care before your insurance kicks in and covers the remainder. For example, a policy that has a $1,000 deductible means you would pay the first $1,000 of a $10,000 medical bill. Your insurance provider would then cover the remaining $9,000, depending on your policy’s coverage limits. However, you may have to pay the full bill upfront and submit a claim for reimbursement of the $9,000 later.

Opt for Primary Medical Coverage

If you get your health insurance through Medicare, you may consider travel insurance providers that offer primary (rather than secondary) medical coverage. Medicare does not pay for medical care provided outside the U.S., which can make travel insurance for seniors valuable. Providers like Travelex and Faye are good options for seniors who think they may need international medical care policies with primary coverage.

A rear view of senior pensioner couple standing by lake in nature. Copy space.

What Else Do Seniors Need To Know About Travel Insurance?

The following are some things to consider if you’re a senior considering purchasing traveling insurance.  

  • COVID-19 is usually treated as a typical illness: Under most travel insurance policies, COVID-19 is treated the same as any other illness covered under the policy. If you contract COVID-19 on or before your trip, you may be entitled to a reimbursement. However, fear of a new COVID strain does not qualify you for reimbursement under standard travel insurance policies. As a senior, you may want to protect your trip with CFAR coverage if your destination may be at a higher risk of COVID-related complications. 
  • Preexisting conditions are often excluded: Senior citizens usually have more health concerns than younger travelers, which is partly why travel insurance costs more as you age. You may be required to provide your travel insurance provider with a list of preexisting conditions before you are approved for coverage. Compare plan options with your health insurance coverage to find the policy that provides you with the best complementary benefits.

Is Senior Travel Insurance Worth It?

When you compare the price of travel insurance to the price of a potential travel emergency, it usually proves worth the cost. Even if you don’t have a pre-existing medical condition, older travelers are more likely to consider travel insurance plans with medical coverage for a sudden injury or emergency evacuation. Medicare does not cover medical expenses outside the U.S. and U.S. territories. Travel insurance also offers valuable cancellation and delay benefits, potentially saving you thousands in nonrefundable trip costs like your flights and accommodations.

seniors travel insurance reviews

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

Yes, plenty of travel insurance providers offer insurance plans for senior citizens. Some companies that provide trip cancellation and medical evacuation coverage for men and women over 70 include AXA, Berkshire Hathaway and Nationwide. 

What is the best travel insurance for senior citizens?

The best option to buy travel insurance as a senior citizen will vary depending on your unique needs. For example, Generali Global Assistance might be the right plan provider for you if you’re looking for an insurance provider that offers low-priced policies. On the other hand, if you have multiple health conditions and need high maximum limits on medical evacuation coverage, consider companies like Berkshire Hathaway and Nationwide. 

Do I need travel insurance if I have Medicare?

Yes, buying a travel insurance policy event is still a good idea if you have Medicare. Though Medicare might provide you with limited emergency care coverage outside the United States, it will not cover most medical evacuations. It also does not offer any reimbursement for trip costs and expenses not related to medical care. 

Can you get travel insurance with a preexisting condition?

Yes, it’s possible to buy travel insurance with a preexisting condition. However, your travel insurance may not cover injuries, symptoms, or illnesses related to conditions present before the start date of your policy.

More Travel Insurance Resources

  • What Is Travel Insurance?
  • What Is Trip Cancellation Insurance?
  • What Does Flight Insurance Cover?
  • Cancel for Any Reason Travel Insurance
  • Travel Insurance for a Mexico Vacation
  • Travel Insurance for a Costa Rica Vacation

Other Insurance Resources From MarketWatch Guides 

Gain insight into our ratings for the best home, renters, pet, travel or life insurance providers and find affordable recommendations for necessary insurance products.

  • Prominent Pet Insurance Companies
  • Premier Travel Insurance Companies
  • Outstanding Homeowners Insurance Providers
  • Top Renters Insurance Firms
  • Budget-friendly Renters Insurance Providers
  • National Term Life Insurance Providers
  • Cost-effective Homeowners Insurance Companies

Methodology: Our System for Rating Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

Other Travel Resources:

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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

Countries Visited: 98 U.S. States Visited: 45

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Keri Stooksbury

Editor-in-Chief

Countries Visited: 44 U.S. States Visited: 28

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

  • You, a family member, or travel companion becomes seriously ill and you must cancel your trip
  • You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
  • You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

  • Emergency medical coverage
  • Emergency evacuation
  • Trip cancellation, trip interruption , and trip delay
  • Baggage insurance and personal effects coverage
  • Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

What You Need to Know About Age and Travel Insurance

Ambulance Hospital Entrance

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Couple with Medicare

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Best Travel Insurance Options — Ages 65 to 69

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

World Nomads Quote

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

Allianz Annual Plan

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

  • John Hancock
  • Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

Best Travel Insurance Options — Ages 70 to 79

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

  • Travel Guard
  • Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

Age 80 with CFAR

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

Senior Travel

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

  • Lost, stolen, or damaged luggage insurance
  • Car rental insurance
  • Roadside assistance
  • Travel accident insurance
  • Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® card also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Best Travel Insurance for Seniors

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Allianz Logo

  • Additional coverage for preexisting conditions with select plans
  • Wide variety of customizable plans
  • High coverage limits

International Medical Group Logo

  • Plans available for seniors up to 99 years old
  • Can be purchased as close as one day prior to departure
  • Affordable plans and group discounts

John Hancock Logo

  • 14-day refund in most states
  • Comprehensive coverage for baggage and personal items
  • Excellent customer service

Nationwide Logo

  • Free online quotes
  • Affordable cruise insurance
  • Hassle-free claims process

Travel Guard Logo

  • Our Top Picks
  • 2. International Medical Group
  • 3. John Hancock
  • 4. Nationwide
  • 5. Travel Guard

One of the many perks of retirement is that you have more time to travel and explore new places. If you plan on traveling abroad or domestically, we recommend purchasing travel insurance for some added peace of mind. Travel insurance offers protection when you find yourself in an unexpected situation, such as an injury that requires emergency medical care, lost luggage, or canceled flights. If you’re on the fence about purchasing travel insurance, we’ll go over some of the reasons why you might benefit from it. With affordable rates you’ll find that travel insurance can help reduce the stress of traveling and incurring unexpected out-of-pocket costs.

Let’s take a closer look at the best travel insurance providers for seniors.

Did You Know? In 2021, a study by AAA Travel found that 31 percent of travelers would be more likely to purchase travel insurance during the pandemic. 1

Best Travel Insurance for Seniors in 2024

What we like most.

Allianz Global Assistance has been a trusted travel insurance provider for over 100 years. We chose Allianz because many of their policies offer protection for those with preexisting medical conditions. If you’re a senior with a preexisting condition, you’ll be covered if you need care or services while traveling. This coverage is only available with select plans, and there are some exclusions.

Fun Fact: Allianz is best known for their role in insuring the Wright Brothers’ first flight and the construction of the Golden Gate Bridge, among many other historical milestones.

Allianz offers 24/7 assistance and a variety of plans, whether you’re planning a single trip or annual trip with many destinations. One of their most popular plans is the OneTrip Prime, which provides free coverage for children 17 and under when traveling with a parent or grandparent.

Allianz offers 10 different plans depending on how often you travel, or if you’re traveling for leisure or business. For example, their OneTrip Prime plan offers the following coverages:

  • Epidemic coverage endorsement
  • Trip cancellation (up to $100,000)
  • Trip interruption (up to $150,000 per insured)
  • Emergency medical (up to $50,000 per insured)
  • Emergency medical transportation (up to $500,000 per insured)
  • Baggage loss/damage up to $1,000 (per insured)
  • Baggage delay up to $300 (per insured)
  • Travel delay up to $800 (per insured)
  • 24-hour hotline assistance
  • Concierge services
  • OneTrip Rental Car Protector optional upgrade
  • Required to work optional upgrade
  • Preexisting medical condition coverage available

Pros About Allianz

  • Over 21 million insured travelers
  • High coverage amounts
  • High trip cancellation amounts
  • Rental car coverage
  • 24/7 hotline assistance for travel emergencies and assistance
  • Preexisting medical condition coverage on select plans
  • Wide range of travel insurance plans for leisure or business
  • Free Allianz TravelSmart app for iPhone and Android

Cons About Allianz

  • Up to 30 days for claim reviews
  • Rental car damage and theft coverage not available to KS, TX, NY, and WA residents on an annual plan

Final Thoughts

Along with a vast selection of travel insurance plans and high coverage amounts, Allianz is great for seniors who are planning single or multiple trips throughout the year. Keep in mind that select coverages and benefits may not be available to residents in some states.

Overall, Allianz offers exceptional coverage for seniors with preexisting medical conditions, emergency medical benefits up to $50,000, and 24/7 hotline assistance for any travel emergencies or questions you may have.

Established in 1990 in Indianapolis, Indiana, International Medical Group (IMG) is known for offering quality global insurance benefits and assistance for seniors that travel internationally. One of the benefits of this company is that they offer a wide range of international medical insurance and 24/7 emergency medical assistance for travelers.

Fun Fact: IMG’s GlobeHopper Senior travel health insurance plan offers an option for the extension of coverage for seniors who wish to extend their trips. 

IMG earned our pick as the best international travel insurance for their affordable rates for longer trips, as well as comprehensive coverage for medical expenses and evacuation. We appreciate that IMG offers the GlobeHopper Senior, temporary health insurance for travelers ages 65 and up traveling internationally. This plan offers travel medical insurance coverage for as little as five days up to one year, along with maximum limits up to $1 million. Additionally, IMG offers travel medical insurance for individuals, families, and groups, including coverage for seniors with preexisting conditions. Many of the policies also have maximum limits of up to $8 million — which is one of the highest limits we’ve seen for travel insurance.

IMG offers four comprehensive plans for vacationers and business travelers. Their most popular package is the iTravelInsured Travel LX, which offers the following coverages.

  • Trip cancellation: 100 percent of the nonrefundable insured trip cost
  • Trip interruption: 150 percent of the nonrefundable insured trip cost
  • Cancel for any reason: 75 percent of the nonrefundable insured trip cost
  • Trip interruption for any reason: 75 percent of the nonrefundable insured trip cost
  • Trip delay (up to $250 per day)
  • Change fee (up to $300 per person)
  • Frequent traveler reward (up to $75 per person)
  • Rental car damage and theft coverage (up to $40,000 per covered vehicle)
  • Missed trip connection (up to $500 per person)
  • Traveling companion/bedside companion (up to $200 per day)
  • Pet kennel ($100 per day)
  • Search and rescue (up to $10,000)
  • Political or security evacuation and natural disaster evacuation ($50,000 per event per person)
  • Baggage and personal effects ($2,500)
  • Sports equipment rental (up to $500 daily)
  • Baggage delay of at least 12 hours (up to $500)
  • Accident and sickness medical and dental expense (up to $500,000 per person)
  • Accident death and dismemberment (up to $100,000)

Pros About International Medical Group

  • Plans offered to travelers up to the age of 99
  • Can be purchased up to one day before departure
  • Affordable minimum trip cost to be insured
  • 24/7 assistance
  • Lowest price guaranteed
  • Affordable plans for international travel
  • Group discounts
  • Higher coverage limits
  • Claims filed via website or mail

Cons About International Medical Group

  • Some travel insurance plans can only cover 90-day trips
  • Might need to purchase separate travel medical insurance and international health insurance

IMG offers travel insurance plans for seniors up to age 99 who want to travel internationally. IMG is ideal for both vacationers and business travelers. Additionally, IMG offers 24/7 emergency travel assistance and a preexisting condition review period of 60 days. If you’re a senior going on a cruise or guided tour internationally, we recommend purchasing travel medical coverage through IMG.

As an insurance provider for over 160 years, many people trust John Hancock for their investment, retirement, financial, and insurance products. John Hancock offers streamlined travel insurance packages for older adults who plan to travel internationally with ample protection. Although on the pricier side, older adults can choose from three plans ranked Gold, Silver, and Bronze depending on how much coverage they’d like for their travels. Currently, John Hancock’s plans feature comprehensive coverage including trip cancellation, trip delays, emergency accident and sickness medical coverage, and more. They also offer high coverage options and greater protection for seniors who want 24/7 assistance.

FYI: If you purchase a travel insurance plan through John Hancock within the first 14 days of booking your trip, you can get the best coverage options. 

Depending on your unique situation, age, and duration of travel, you can customize a quote online and choose from three different plan tiers: Gold, Silver, and Bronze. The Silver plan offers the following coverages:

  • Trip cancellation (up to 100 percent of trip cost)
  • Trip interruption (up to 150 percent of trip cost)
  • Trip cancellation for any reason (up to 75 percent of nonrefundable trip cost)
  • Airline ticket change fee (minimum 1-hour delay $200)
  • Missed connections ($750)
  • Trip delay ($150 per day; maximum $750)
  • Baggage delay (maximum $500; daily limit of $500)
  • Baggage/personal effects (up to $1,000; per article: $250; maximum for property: $1,000)
  • Accidental death and dismemberment (up to $100,000)
  • Emergency accident and emergency sickness medical expense (up to $100,000)
  • Emergency medical evacuation and medically necessary repatriation (up to $500,000)
  • Repatriation of remains (up to $500,000)
  • Preexisting conditions waiver
  • Frequent travel loyalty (up to $200)

Pros About John Hancock

  • Coverage for travelers with preexisting conditions
  • Frequent travel loyalty perks
  • Trip cancellation and trip interruption coverages
  • 24/7 travel assistance

Cons About John Hancock

  • Limited plans
  • Some of the travel insurance plans can be expensive
  • Need to speak with a licensed agent to get more information
  • 14-day refund not available in states like IN, NH, and UT

John Hancock offers peace of mind and solid travel insurance plans for older adults who plan to travel alone or with their families. If you’re not satisfied or change your mind, you can call to cancel the purchase within 14 days of the effective date. John Hancock offers streamlined travel insurance coverage options — perfect for that cruise or international trip you’ve been dreaming about! Keep in mind that all travelers must reside in the same U.S. state to share a John Hancock policy.

Nationwide has been around since 1925, offering insurance, investing, and retirement products for individuals and businesses. Nationwide offers some of the best affordable cruise travel insurance plans for older adults that we’ve seen. If you’re planning a cruise with your family or friends, we recommend looking into three of their cruise plans: the Universal Cruise, Choice Cruise, and Luxury Cruise plans.

Did You Know? If you’re looking into other insurance policies for dental, vision, life insurance, check out our guide to insurance for seniors in 2024 .

The Choice and Luxury Cruise plans offer coverage for preexisting conditions. Plus, you can easily modify and add coverage even if you’ve already purchased a plan. One thing to remember: Not all coverage is available in all states, so you’ll have to check with a local travel insurance agent.

Nationwide offers single trip, annual trip, and cruise insurance. For cruise insurance, we recommend the Choice Cruise plan, as it’s flexible and affordable. Here’s what the plan covers:

  • Trip cancellation (up to 100 percent of nonrefundable trip costs)
  • Trip interruption (up to 150 percent of nonrefundable trip costs)
  • Interruption for any reason ($500)
  • Missed connection/trip delay ($1,500/$750)
  • Itinerary changes ($200-$500)
  • Emergency accident and sickness medical expense ($100,000)
  • Accidental death and dismemberment ($25,000)
  • Preexisting condition waiver (if purchased within 14 days of trip)
  • Baggage and personal effects ($2,500 maximum, $600 maximum for special items, $300 per article limit of $500)
  • Key cancellation/interruption covered reasons
  • Cancel for any reason
  • Non-medical evacuation ($25,000)
  • Refund policy: 10-day review period

Pros About Nationwide

  • Member of the US Travel Insurance Association
  • Travel insurance plans for cruises, single- and multi-trips
  • Hassle-free claims
  • Affordable travel insurance rates
  • Flexible annual trip plans start at $59

Cons About Nationwide

  • Cruise plan refund policy not available in NY or WA
  • Lower trip interruption limits compared to other providers (125 percent for Essential plan single trip)
  • Some plans may have nonrefundable processing fees

FYI: Cruises can be an affordable and fun travel option to consider if you’re looking for a travel activity for seniors.

Nationwide provides a variety of options for senior travelers, whether you’re flying to a new destination or cruising. The company has high coverage amounts, including a 10-day review period for refunds on some of its cruise plans. If your trip is canceled, you’ll be reimbursed for up to 100 percent of the nonrefundable trip cost.

As one of the world’s leading travel insurance companies, Travel Guard provides specialized coverages for older adults at affordable prices. Along with travel medical and concierge assistance, Travel Guard has responsive customer service and optional add-on coverages.

FYI: To get a preexisting medical conditions exclusion waiver through Travel Guard, you’ll have to purchase it within 15 days of the initial trip payment.

The provider offers three travel insurance plans: the Essential, Preferred, and Deluxe plans, with high coverage amounts up to $1 million. Coverage offerings include trip cancellation, baggage coverage, and travel medical expenses, along with specialized coverages such as car rental, medevac, and lodging expenses.

Travel Guard offers the following coverage for their Preferred plan — one of their most popular plans.

  • Cancel for any reason (optional add-on)
  • Baggage coverage (up to $1,000)
  • Baggage delay (up to $300)
  • Travel medical expense (up to $50,000)
  • Travel inconvenience
  • Medevac (up to $500,000)
  • Car rental (optional add-on)
  • Lodging expense (optional add-on)
  • Trip exchange
  • Security evac (optional add-on)
  • Preexisting medical conditions exclusion waiver

Pros About Travel Guard

  • One of the world’s leading travel insurance companies
  • Specialized coverages
  • Easy and fast claim process
  • Family coverage options
  • Preexisting medical condition exclusion waiver
  • Cancel for any reason (up to 48 hours prior to departure)
  • Travel insurance plans currently available in all states

Cons About Travel Guard

  • Some plans don’t offer flight guard, security evacuation, trip saver, trip exchange, or other specialized coverages

Travel Guard offers a variety of affordable travel insurance plans for families, seniors, and those who frequently travel. If you’re looking for specialized coverages with higher coverage limits up to $1,000,000, we’d recommend looking into Travel Guard’s three travel insurance plans. Keep in mind that if you think you may need a preexisting medical conditions exclusion waiver, you’ll need to purchase it within 15 days of the initial trip payment.

Money-Saving Tip: Looking for ways to save on an upcoming trip? Check out our senior discounts guide to learn how you can save on hotels, cruises, transportation, and more!

For travelers looking for higher coverage limits, you can get up to $750 to $2,500 for baggage coverage and up to $100,000 for travel medical expense coverage. One of the perks of purchasing travel insurance through Travel Guard is that they are available in all states. You can also purchase an annual plan if you are looking for coverage for multiple trips throughout the year.

How We Chose the Best Seniors Travel Insurance

When choosing the best travel insurance providers, we considered the following criteria.

  • Coverages: We chose travel insurance providers that offer the best comprehensive coverage with higher limits for trip cancellations, emergency medical transportation, and baggage delay.
  • Specialized coverages: We focused on companies that offer optional or additional specialized coverages like car rentals or accidental death and dismemberment.
  • Preexisting medical conditions: Our list features some providers that offer preexisting medical condition waivers.
  • Cruise coverage: The companies on our list offer cruise coverage along with traditional travel insurance.
  • Financial standing: It’s important to align yourself with a provider with an excellent financial portfolio. We chose providers with above average ratings by reputable ranking agencies.
  • Customer service: We assessed the ease of use navigating each insurance provider’s mobile app and claims processing center. We also evaluated how easy it was to obtain free online quotes and contact customer service.
  • Affordability: The providers on our list offer budget-friendly coverage for seniors over the age of 65 and their families.

Comparing the Best Travel Insurance for Seniors

To give you a better idea of prices, we researched the average costs of travel insurance for older adults from each of our top providers. We obtained quotes for 65-year-olds on a two-week trip to Italy with an $8,000 travel budget.

What Does Travel Insurance Cover?

Many travel insurance plans cover the following benefits, with options for specialized or add-on coverages:

  • Trip cancellation: Receive a reimbursement if you need to cancel your trip.
  • Trip interruption: If your trip is interrupted, you can get reimbursed for the nonrefundable amount of your trip and the cost of transportation per insured person.
  • Travel delay: You can get reimbursed a certain amount per day if your trip is delayed for a specified period of time.
  • Cancel for any reason: Receive a refund for a portion of your trip expenses if you need to cancel your trip due to a death in the family or other situation.
  • Baggage delay: If your baggage is delayed for a specified period of time, you may receive reimbursement for the hours delayed and if you need to purchase specific items due to the delay.
  • Emergency medical: If you have dental or medical emergencies while traveling, this benefit can cover these expenses.
  • Car rental: As an add-on, you can get car rental insurance to help cover the cost of rental car damages and other expenses if you get into an accident.
  • Medical evacuation: Also known as medevac, this optional coverage provides emergency medical transportation if you need to be airlifted.
  • Accidental death and dismemberment: In the event that you die during your travels as a result of an accidental death or dismemberment, your beneficiary would receive certain benefits.
  • Repatriation of remains: If a traveler passes away during your trip, this benefit will cover the cost to return them home.
  • Preexisting medical condition waiver: Some insurance providers offer coverage for those with preexisting medical conditions.

How Much Does Travel Insurance Cost for Seniors?

Based on our research after obtaining online quotes from five different travel insurance providers, we found that the average cost of travel insurance is $655.23 per insured person when you plan to spend around $8,000 for an international trip. While this might seem steep, travel insurance can help you avoid thousands of dollars in out-of-pocket expenses in the event of an emergency. According to Forbes, the average cost of travel insurance is roughly six percent of your overall trip costs and is dependent on the amount you plan to spend on your trip.

Tips for Choosing the Best Travel Insurance for Seniors

When planning a trip, it’s important to compare travel insurance quotes to make sure you get the best deal. It’s better to plan ahead and enjoy the rest of your trip knowing you’ve purchased the best travel insurance for your needs. We’ve compiled a list of tips on how to choose the best travel insurance below:

  • Coverage: Many insurance providers will highlight one of their best value plans to help you stay under budget. If cost is your main concern, choose a plan that offers the minimum coverage with the option of adding additional coverage if needed.
  • Preexisting conditions: Not all providers offer preexisting conditions waivers, so it’s important to research and inquire about this if you’re so affected.
  • Discounts: Agencies like AARP may offer senior discounts and travel savings if you’re a member. Consider these discounts on top of your travel insurance purchases.
  • Medical expenses: Look into comprehensive travel insurance plans that offer substantial medical coverage. Some plans may require you to purchase separate travel medical insurance.
  • Compare providers: Get quotes from multiple providers and compare rates and coverage. Think about the benefits that are the most important to you, along with your budget, and choose a plan accordingly
  • 24/7 assistance: Some companies offer 24/7 assistance, which is essential when traveling in different time zones. Also check to see if your provider offers concierge services.

Frequently Asked Questions About Seniors Travel Insurance

Travel insurance helps protect you and your loved ones in the event that you experience a health emergency while traveling. It can also protect and help reimburse you if your trip gets canceled, or you lose your baggage during the trip.

Medicare does not offer health care services that you receive outside of the U.S. This is why it’s important to purchase a travel insurance policy for more coverage.

Some insurance providers won’t offer coverage for preexisting conditions, losses due to war, or inability to afford the trip.

AAA. (2021). Pandemic Prompts More Americans to Consider Travel Insurance .

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Home » Budget Travel » Finding The Best Senior Travel Insurance – 2024

Finding The Best Senior Travel Insurance – 2024

Travel among seniors (those aged 60 and above) has become an increasingly important aspect of the global tourism industry. In fact, some estimates suggest that over 35 million seniors in the United States alone travel each year, making up roughly 20% of all travelers.

Of course, this makes absolute sense. Retirees have a lot of time on their hands and demographically speaking, the boomer generation represents the most comfortable and affluent people in human history.

The powerful “gray dollar” has become an integral aspect of today’s tourism industry, estimated to be worth hundreds of billions of dollars globally.

Whether it’s bucket-list adventures, multi-generational family vacations, or wellness retreats, seniors’ travel preferences and economic influence make them a demographic that can’t be ignored by tourism businesses.

However, with age comes unique requirements and potential health risks and older travelers may find that travel insurance is not as straightforward as it used to be.

Travel insurers often charge additional, high premiums for covering senior travelers and even then, some write many exclusion clauses into the policy that the cover is barely even useful. Therefore we have created this post in order to help you find the BEST travel insurance for seniors .

plain taking off adelaide international airport

Why Seniors Need Specialized Travel Insurance

Is regular travel insurance suitable for seniors, things to look for in senior travel insurance, top 5 best senior travel insurance plans, what if you can’t get insurance, frequently asked questions (faqs) about senior travel insurance, final thoughts on finding the best senior travel insurance.

In this section, we will get into the details of why exactly it is that Senior travelers need to be very careful and attentive when choosing their travel insurance.

seniors travel insurance reviews

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Risk From Age-Related Health Concerns

A hard fact of life is that as the body ages, things start to go wrong. Regardless of how strong your genes are, how healthy you live, or how damned lucky you are, nobody gets to 60 years old without at least a little something not quite working as it used to (I’m 38 and can tell you this…) .

Whether it’s aethertis, diabetes or heart disease, health conditions tend to accrue and accelerate as we edge towards our twilight years and most Senior travelers have at least one “pre-existing medical condition” .

If you’re travelling, consider that even some of the best travel insurance providers out there refuse to cover “pre-existing conditions”. This means that if a pre-existing condition flares up when you are travelling and you need medical assistance for it, it will not be covered.

This gets really macabre when we take into account “repatriation of remains”. Basically if your pre existing condition kills you on the trip, then you somehow need to find your own way home without the help of your insurer.

Some insurers will offer full cover for pre-existing conditions as long as you provide full, frank and clear information about it. They will however charge an additional premium for providing this cover.

Risks Associated with Long Flights and Changes in Environment

The next in our long list of hard facts about aging is that traveling becomes exponentially harder on the body the older we get.

The physical toll of long flights (including the risk of deep vein thrombosis) is higher for seniors. Changes in climate and altitude can also affect older adults differently.

Not only does all of this increase the risk of needing to claim on your insurance, but it could potentially exacerbate any pre-existing health issues.

High Risk Under Trip Interruption and Cancellation

Anitkabir Monument in ankara turkey

Trip interruption and cancellation is a standard part and parcel of pretty much all travel insurance policies. To recap, this means that if you have to cancel your trip or if your trip is interrupted (you have to go home or miss the train from Germany to France) the insurance provider pays out.

However, Senior travelers are at greater risk of needing to claim under these clauses. For example, a Senior traveler is more likely to be too unwell (or worse…) to make the trip then a younger traveller. They are also more likely to have to end or delay trips owing to bouts of ill health.

Finally, older travelers are also more likely to go on high-end trips (like organized tours or luxury cruises) which means that any claim is likely to be larger than a bog-standard 2 week vacation.

All of this means that travel insurers may levy higher premiums for Senior travelers on the grounds that they represent a higher risk.

Now that we have identified quirks and idiosyncrasies of Senior travel, we will examine whether regular, standard travel insurance is suitable for older travelers.

Most regular travel insurance policies have an age limit. This is usually around 65 years but in the past I have seen policies with cut-off ages of 60 and even 50. This makes a lot of standard travel insurance policies unsuitable for many seniors.

If you are traveling on a particularly long trip or on your birthday, then check whether the passing of that one additional year will tip you into the “not insured” category before you buy the insurance.

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ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

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Coverage for Pre-Existing Conditions

Standard travel insurance often excludes or offers limited coverage for pre-existing conditions, which can be a significant issue for older travelers.

If you have a pre-existing condition, it is important to check that your senior travel insurer will cover this, and to declare it to them. 

Sometimes the insurer may ask for additional information and even medical records. For this reason, it is worth initiating the process of getting your travel insurance at least one month before the trip starts.

Let’s now take a look at what Senior travelers should look for in trip insurance.

Comprehensive Medical Coverage

Getting sick and needing medical care in a foreign hospital can be seriously expensive, especially if you spend a length of time there.

Therefore it pays to look for policies that offer extensive coverage for medical expenses, including pre-existing conditions. Many policies offer medical coverage of up to $1 million.

Emergency Evacuation and Hospitalisation

These are vital components of travel insurance, especially for senior travelers who may be at a higher risk of medical emergencies while abroad.

Emergency evacuation coverage pays for the costs associated with transporting you to the nearest appropriate medical facility or back to your home country in extreme cases (war, natural disaster or death) . This is particularly important if you’re traveling in remote areas or countries with substandard medical facilities.

Hospitalization cover , on the other hand, takes care of the medical costs incurred if you have to be admitted to a hospital during your trip. It usually includes expenses for treatments, surgeries, medication, and sometimes even ancillary costs like accommodation for a family member.

Get to know Pompeii through the eyes of an archaeologist Italy

When looking for emergency evacuation and hospitalization cover, senior travelers should pay close attention to the details.

  • Check the maximum coverage limits to ensure they are adequate; medical evacuations can be extraordinarily expensive, sometimes exceeding $100,000.
  • Look for policies that cover any pre-existing conditions.
  • Consider any geographic restrictions or exclusions that may apply, especially if your travel plans include remote or high-risk destinations or if you are going on a cruise (being helicoptered from the middle of the Ocean is costly!) .

Trip Cancellation and Interruption

These are important components of a comprehensive travel insurance package, especially valuable for seniors who may face a higher likelihood of unforeseen circumstances that could disrupt their travel plans.

Trip cancellation coverage provides reimbursement for prepaid, non-refundable travel expenses like flights, hotels, and excursions if you have to cancel your trip for a covered reason before departure.

Covered reasons usually include things like serious illness or injury, the death of a family member, or significant events like natural disasters affecting your destination.

Trip interruption insurance , on the other hand, kicks in if you have to cut your trip short and return home for a covered reason. This coverage reimburses you for the unused portion of your trip and may also cover additional expenses for changing your return flight or other logistical costs.

For senior travelers, there are several factors to consider when selecting trip cancellation and interruption insurance.

  • Carefully review what constitutes a “covered reason” in the policy terms, and see if it includes chronic or pre-existing medical conditions, as these are common concerns for older travelers.
  • Take note of the deadlines for purchasing insurance ; some plans require you to buy coverage within a certain period after making your initial trip deposit.
  • Check the coverage limits and see if they match the total cost of your trip. Some high-end or specialized trips may require higher limits for adequate protection.

You may want to opt for a policy that offers “Cancel For Any Reason” coverage, which provides more flexibility but usually at a higher premium.

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Lost or Delayed Luggage

Lost luggage is becoming increasingly common and in 2022, airlines lost 19.3 bags per every 1000 passengers .

To be fair, airport baggage handlers don’t really discriminate on the basis of age and this can bite anybody.

Repatriation of Remains

Repatriation of remains travel cover is a specific type of travel insurance provision that caters to the transportation of a deceased individual’s body back to their home country.

When a traveler unexpectedly passes away during a trip abroad, the process of bringing their body home can be both emotionally taxing and seriously financially burdensome (while a seat on flight may cost $500, these are not available to dead travelers who will be forced to travel in the hold at cost of several tens of thousands…) .

For senior travelers, repatriation of remains travel cover becomes especially vital. As individuals age, the risk of health complications tends to increase, and even if they are in good health, unforeseen incidents can happen. While it’s unpleasant to think about, being prepared for every eventuality is the hallmark of sound travel planning

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Duration and Geographical Coverage

Duration coverage specifies the length of time for which your insurance policy will be in effect, starting from the date of departure to the date of return. It’s crucial to ensure that the entire duration of your trip is covered, including any potential extensions or layovers. 

Some policies also offer the flexibility to extend coverage while you’re already on your trip, which could be beneficial if your plans are somewhat fluid or if an emergency requires you to extend your stay.

Geographical coverage, meanwhile, outlines the regions or countries where your travel insurance is valid. While some policies offer worldwide coverage, others may exclude specific countries or regions, often those with higher risks or medical costs.

For senior travelers, it’s essential to verify that all destinations on your itinerary are included in your policy’s geographical coverage.

Even though travel insurance for Seniors is kind of a niche and ‘non-standard’ financial product, there are nevertheless rather a lot of different policies on offer from a wide range of providers.

In fact, there are so many different Senior insurers out there that choosing between them can prove to be nothing short of overwhelming. However the good news is that we have looked at a LOT of these policies and can wholeheartedly recommend that you start your enquiries by checking out the ones below.

These are our top personal picks for the Senior travel insurance.

SafetyWing

SafetyWing’s Nomad Insurance offers a flexible and comprehensive insurance option that may be suitable for seniors.

The medical cover and flexibility SafetyWing offers are great and they do cover pre-existing conditions (subject to assessment). They also offer insurance to travelers up to the age of 74.

The downsides are that they are primarily medical cover providers and so do not offer the best trip interruption and cancellation cover. If you end up missing a flight or have to cancel the whole trip, then you could end up out of pocket.

So, if cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then  consider SafetyWing travel insurance .

VisitorsCoverage

Visitors Coverage

VisitorsCoverage is an insurtech company primarily known for providing travel insurance solutions for international travelers.

Founded in 2006 and headquartered in Santa Clara, California, the company offers a broad range of travel insurance policies catering to various needs, from trip cancellation to medical emergencies.

VisitorsCoverage have created a Senior-only travel insurance package . The “Globe Hopper Senior” cover is available from between 5 – 365 days, offer some coverage from acute and pre-existing conditions, and provides medical coverage during travel including up to $100 in dental cover!

Faye

Faye is a US based, fin-tech-travel-insurer whose industry leading innovative platform was created to be efficient and user friendly placing an emphasis on resolving claims fast.

Users can buy and manage their Faye policy without the need for any paperwork whatsoever by downloading the Faye app. The app allows them to interact with Faye in real time, and successful claims are paid out almost instantly to travelers’ e-wallets.

Faye offers comprehensive insurance that simplifies the sign-up process for travelers. Through the Faye app, users experience quick claims processing, ensuring speedy reimbursements. 

If a policy is purchased within 14 days of the initial trip deposit, travelers will be eligible for Faye’s full coverage protection, which uniquely includes coverage for pre-existing medical conditions.

Notably, Faye’s coverage extends up to $250K for emergency medical expenses on international trips, and all our policies comprehensively cover emergency medical situations.

HeyMondo

HeyMondo provides whole-trip travel coverage and care that brings out the best in each journey. It’s an app-based company that uses industry-leading technology that enables smarter and smoother assistance with faster claims resolutions.

Their travel insurance covers your health, your trip and your gear, all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

HeyMundo are a good option for Senior travelers guests as they offer medical evacuation of up to $500k as well as excellent trip delay and trip interruption coverage.

However, they do NOT cover pre-existing conditions and the upper age cut-off limit for cover is 68 years old for American citizens and 69 for citizens of other countries.

What should you do if you are simply ‘too old’ to get travel insurance or if you have a pre-existing condition that travel insurers consider to be too risky to cover? 

Well, you’re probably thinking, do I really  need  travel insurance ? You’re free to travel without it. However, the potential financial consequences of traveling uninsured can prove severe. 

As health vulnerabilities increase with age, unforeseen medical emergencies can arise, potentially leading to exorbitant out-of-pocket medical expenses abroad.

Furthermore, certain destinations may have limited medical facilities, necessitating emergency evacuations which, without insurance, can cost tens of thousands of dollars. In addition to medical concerns, disruptions like trip cancellations or lost baggage can impose unexpected financial burdens. 

It’s not just about securing insurance, but also about choosing the best destinations for senior travelers that align with their health and mobility considerations. For example, hot and humid developing world destinations with bad air quality and reckless driving standards are not a good idea.

On the other hand, Northern Europe with its moderate climate, clean air and ‘free-to-use at the point of service’ health care systems, makes a lot more sense.

seniors travel insurance reviews

Let’s keep the ball rolling. Here are some frequently asked questions about senior travel insurance.

What Makes Travel Insurance for Seniors Different from Regular Travel Insurance?

Travel insurance for seniors is designed to address their unique needs and risks. It often includes enhanced medical coverage and options for trip cancellation and interruption policies. Premiums may be higher due to increased medical risks associated with older age.

Is age a limiting factor in obtaining travel insurance?

Yes. Some insurers have an age limit for their policies, or they may require a detailed medical assessment for travelers above a certain age (usually over 60). However, there are providers that offer policies with no age limit but with varying terms and conditions.

Can I Get a Multi-Trip Annual Policy If I Am a Senior?

Yes, many insurance providers offer multi-trip annual policies for seniors, which can be cost-effective for those who plan to travel multiple times within a year. However, these policies often come with certain limitations. Also, age and health may increase annual policy premiums.

Is it possible to get coverage for a pre-existing condition?

Pre-existing medical condition coverage varies by provider and policy. Some policies offer coverage for stable conditions, but at a higher premium and may require a medical assessment. Full medical history disclosure is crucial to avoid claim denial.

In summary, specialized senior travel insurance can offer the peace of mind to enjoy your travels fully. Look for comprehensive medical coverage, flexibility in trip cancellation, and additional features that cater to your specific needs. 

Whether you’re cruising through the Caribbean or exploring a remote village, the right travel insurance plan can make all the difference.

Backpackers hitchhiking on the road in atacama desert, Chile.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

Aiden Freeborn

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12 Best Travel Insurance Companies of March 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

seniors travel insurance reviews

Travelex Insurance Services »

seniors travel insurance reviews

Allianz Travel Insurance »

seniors travel insurance reviews

Seven Corners »

seniors travel insurance reviews

World Nomads Travel Insurance »

seniors travel insurance reviews

AXA Assistance USA »

seniors travel insurance reviews

AIG Travel Guard »

seniors travel insurance reviews

Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

seniors travel insurance reviews

HTH Travel Insurance »

seniors travel insurance reviews

Trawick International »

seniors travel insurance reviews

Tin Leg »

seniors travel insurance reviews

Nationwide Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Focus on the Fine Print

Online brokers, brokers to consider, top insurers, the bottom line.

  • Personal Finance

3 Best Travel Insurance Options for Seniors

seniors travel insurance reviews

Travel insurance can be particularly valuable to seniors, who generally experience more health issues than younger travelers. When preparing for a trip, individuals should consider the best travel insurance plans that cover medical emergencies, plus these offerings:

  • Trip cancellations : In addition to personal reasons, a trip may be canceled due to weather disturbances and other unforeseen circumstances that can leave travelers on the financial hook.
  • Stolen luggage : In addition to clothing, luggage may contain medicines and other valuable items that travel insurance should cover.
  • Pre-existing conditions : Those with preexisting medical conditions may need to purchase waivers in case their basic travel insurance doesn’t provide holistic coverage.
  • Medical emergencies : Because seniors are more subject to medical emergencies than younger travelers, they should secure full medical coverage that pays for potential transportation costs.
  • Medical evacuations : Medical coverage might not automatically pay for transportation, in the event an evacuation necessitates an emergency trip back home.
  • Travel advice/emergency assistance : In the event of a language barrier, senior travelers may need to make toll-free calls, to obtain medical advice in their native tongues.

It is vital to thoroughly scrutinize policies, which often mandate the purchase of coverage at least 10 to 14 days before starting travel dates. Make sure that there is a free look period , with an option to cancel and receive a full refund. Other important fine print items include:

  • Exceptions. No single insurance policy covers all expenses, so it’s wise to examine the exceptions listed in the fine print to learn about hidden additional costs. 
  • Exclusions. Exclusions restrict coverage in certain situations, such as self-inflicted injuries, trauma from extreme sports like bungee jumping, or losses incurred due to intoxication or criminal activity. 
  • Incomplete Documentation. When filing a claim, be sure to fill out the paperwork thoroughly and accurately. Failure to do so may result in delayed or canceled coverage. 

According to Consumer Reports, online brokers offer advantages over travel agents or booking sites, when it comes to purchasing travel insurance because the former lets you compare various plans and choose the most suitable one. Online brokers also feature sales reps who can present sample policies and answer individual coverage questions.  

The following four popular online brokers top the list:

  • InsureMyTrip : This site lets users compare hundreds of policies from 23 different carriers .
  • TripInsuranceStore : This site offers side-by-side policy comparisons from ten different insurers.
  • QuoteWright : Quotewright screens insurance companies before listing them, to provide an additional quality control layer. The site lists 12 insurance companies.
  • Squaremouth : This site offers 93 policies from 23 providers and features thousands of customer reviews.

The following companies consistently offer highly-rated travel insurance offerings:

  • Travel Guard Travel Insurance : In addition to offering standard cancellation coverage, this company features plans that cover preexisting conditions and full medical expenses. Users may tailor plans to meet their individual needs. This provider’s underwriter is National Union Fire Insurance Company, which boasts an AM Best rating of A, which is considered excellent.
  • Travelsafe Travel Insurance : Travelsafe offers basic, classic, and classic plus full-featured plans, all of which offer both trip and medical coverage, with a full menu of options. This insurer has a BBB rating of A+.
  • Allianz Travel Insurance : This provider covers domestic and international travel, including cruises. Coverage options include medical emergencies, trip cancellation, lost baggage, rental cars, and change fees. The company is underwritten by BCS Insurance Company, which has an A- rating, and by Jefferson Insurance Company, which has an A+ rating. Allianz has a BBB rating of A+.

Travel insurance costs typically range from 4% to 10% of a trip’s total cost.   It’s important to remember that Medicare generally does not provide coverage outside the U.S.   Finally, online brokers can help source the most suitable insurance for seniors.

U.S. National Library of Medicine. " A healthy old age: realistic or futile goal? "

Consumer Reports. " Money-Saving Strategies for Buying Travel Insurance ."

Insuremytrip. " The Right Travel Insurance Providers ."

SquareMouth. " Travel Insurance ."

AM Best Rating Services. " National Union Fire Insurance Company of Pittsburgh, Pa. ."

Travel Guard. " Our Underwriter ."

Travelsafe Insurance. " TravelSafe Plans ."

Better Business Bureau. " Chester Perfetto Agency, Inc ."

Allianz Travel. " Find the Right Travel Insurance Plan for You ."

Better Business Bureau. " Allianz Global Assistance ."

Medicare.gov. " Medicare Coverage Outside the United States ," Page 1.

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Women On The Road

Best Travel Insurance Reviews For Seniors: Travel Insurance Over 65

Looking for insurance? Here’s my compilation of the  best travel insurance reviews for seniors  that’ll help you insure your next adventure.  

Under each heading you’ll get a quick description that include my senior travel insurance reviews. They list some of  best travel insurance companies  and what each company offers and have links so that you can get a personalized quote.

Why no numbers on this site? I know, cost is a huge factor in choosing your insurance policy, but many criteria go into determining the price of an insurance plan. Also, companies change their prices too frequently. To get the most accurate, up-to-date coverage and costs, simply click the links and you’ll get a quote that takes all your specific details into account.

And because Women on the Road’s readers are a global group, I’ve tried to provide companies that cover you all. Some are only for US residents traveling abroad, others are for Europeans, and yet others are global and cover you wherever you’re from! 

If you want to compare all these plans quickly and easily, please see the comparison chart below.

BEST TRAVEL INSURANCE FOR SENIORS: A COMPARISON CHART

NAME (AGE LIMIT)

PRE-EXISTING CONDITIONS

CANCEL FOR ANY REASON

Europesure (79)

Globelink (89)

EU, plus some Commonwealth citizens who live there

Some free, others at extra charge

RoamRight (No limit)

US residents only

Under certain conditions, for some plans

Upgrade available

Staysure (No limit)

UK residents only

Yes, on some plans

Travelex (No limit)

Yes, available as an upgrade

USA Assist (No limit)

No, but comprehensive trip cancellation

World First (100)

Yes, special plans available

World Nomads (Up to 70 in some countries, usually up to 66)

BEST TRAVEL INSURANCE REVIEWS FOR SENIORS

If you’re part of the EEA and under the age of 79,  Europesure  offers a special policy for senior travellers over 65. The plan includes medical expenses cover of 7,500,000 Euros, as well as cancellation and delay cover, lost or stolen baggage and delayed baggage cover, and personal liability cover. Going on a skiing vacation? Upgrade your plan and you’ll even get avalanche cover! Interestingly this policy covers some “occasional” hazardous activities (read the fine print), but winter sports require an upgrade. Unfortunately for those with preexisting conditions, Europesure offers no coverage for accidents or emergencies caused by the condition, and you also cannot purchase cancel for any reason coverage.

✓ Worldwide coverage ✓ Comprehensive policy ✓ Some hazardous activities included ✓ Winter sports upgrade available

✕  Only for EEA residents ✕  Only for those between 65 and 79 ✕  No preexisting condition waiver upgrade

Click here to get a quote!

If you live in the EU or UK,  GlobeLink  offers great coverage up to age 89, with 50 pre-existing conditions covered with your standard travel insurance plan. If you are an Australian, New Zealander or South African currently residing in the EU or UK, you are also eligible for cover. You can get non-standard preexisting conditions considered for coverage after a medical evaluation (but it’ll cost you), and add on other coverage including adventure activities, golf, winter sports, and cancellation. You won’t find “cancel for any reason coverage,” but you can top up your cancellation cover.

✓ Worldwide coverage ✓ Adventure, golf and winter sports upgrade ✓ 50 pre-existing conditions covered on standard plan ✓ Coverage for EU residents ✓ Covers Australians, New Zealanders and South Africans in the EU ✓ Cancellation cover upgrade

✕  No ‘cancel for any reason’ upgrade ✕  Some pre-existing conditions may not be covered ✕  No cover after age 89

When it comes to travel insurance for USA residents, I really love the variety of plan choices you get with  RoamRight . Besides providing coverage for those over the age of 65 with no upper age limit, you can get everything from a no-frills basic plan to cover nothing but trip cancellation to a comprehensive travel insurance plan that you can upgrade to include “cancel for any reason” coverage (and that means ANY reason!). If you’re main concern is medical coverage, they also offer a medical-only plan. If you travel a lot, their annual/multi-trip plan includes coverage for trip cancellation. It appears that you can travel just about anywhere in the world with RoamRight, so long as you live in the United States.

✓ Cancel for any reason upgrade ✓ Hazardous activities upgrade ✓ Pre-existing condition waiver upgrade ✓ Worldwide coverage (including trips within the US)

✓ No upper age limit ✓ Tiered plans to get you only the coverage you need: Travel and medical insurance ✓ Multi-Trip coverage available that covers cancellation, evacuation and lost baggage

✕  Only for US residents

Just like World First, Staysure offers great coverage for those with preexisting conditions who live in the United Kingdom, considering all kinds of ailments including cancer, heart conditions and diabetes. They’ll cover you no matter what age you are, so long as you choose a single trip plan. Staysure also offers a variety of “additional cover” options, from winter sports coverage, to connecting flight coverage, to gadget cover, to coverage for golf equipment. This makes their plans a bit more a la carte than most insurance policies, but that can help you build a policy that fits your needs. Although they offer a more expansive cancellation coverage upgrade, they don’t offer “cancel for any reason” upgrades. Nervous about terrorist activity? You can purchase additional Terrorism Cancellation Cover: “If your trip is scheduled to start within 42 days after the terrorist event & the location of your booked accommodation must be within 40 miles of the event.”

✓ Winter activities upgrade ✓ Preexisting condition waiver upgrade (with medical screening) ✓ Worldwide coverage ✓ No upper age limit ✓ Coverage upgrades for golf equipment, connecting flights, gadgets and more ✓ Additional terrorism cover

✕  Only for UK residents ✕  No cancel for any reason upgrade

Travelex is a broad, inclusive travel insurance that has no age limit and covers pre-existing conditions. Its tiered offering provides as much coverage as you need, with plenty of options you can add on to basic coverage. A number of cancellation options are available, including a ‘cancel for any reason’ upgrade. Primary coverage is automatic, which means your claims are paid with no deductibles. Travelex covers your emergency medical expenses as well as emergency evacuation. Its terrorism coverage allows you to cancel if a terrorist incident occurs at your destination within 30 days of your trip. Finally, you get 15 days to decide – if for any reason you’re not completely satisfied (before your trip), you’ll be reimbursed the cost of your policy

✓ Preexisting condition coverage ✓ Worldwide coverage ✓ No upper age limit ✓ Primary coverage with no deductible ✓ Cancel for any reason upgrade ✓ 24/7 travel assistance and concierge service

Even though the name is misleading,  USA Assist  offers medical and comprehensive travel insurance plans for residents of the world. There are very few companies that offer travel insurance from anywhere to anywhere (within reason), so if you’re someone who isn’t home often, they might be your kind of insurance agency. Plus their $1,000,000 medical emergency limit on their best plan is quite amazing. Unfortunately, they don’t offer any upgrades for hazardous sports (read the fine print to understand what they consider a covered activity), preexisting condition waivers, or cancel for any reason coverage. That being said, they have no upper age limit, so if you’re a healthy person who isn’t planning on cancelling or scuba diving, you might be in luck. Plus, you can get medical insurance for up to 180 days of travel.

✓ Worldwide coverage ✓ Buy insurance from any country ✓ No upper age limit

✕  No hazardous activities upgrade ✕  No preexisting condition waiver upgrade ✕  No cancel for any reason upgrade

World First

As long as you’re under the age of 100 and live in the United Kingdom,  World First  can cover you — and your preexisting medical conditions — including cancer, diabetes and heart problems. You’ll have to undergo a medical screening process, but they even offer a special high blood pressure insurance. You can travel from the UK to any place in the world that’s not on the FCO’s “do not travel” list. World First offers “activity packs” to cover your hazardous activities, although more than 150 adventure types are already covered standard (so read the fine print). The downside is that you can’t purchase cancel for any reason coverage. That being said, I loved that timeshares and travel paid for with air miles or redeemable vouchers are covered with WorldFirst, as this is rare in the industry. Are you a golfer? You can get special golf travel insurance that covers your clubs and more. Asking for a quote is really the only way to get a good rundown of what each tiered plan includes.

✓ Hazardous activities upgrade (with 150 sports already covered) ✓ Preexisting condition waiver upgrade (with medical screening) ✓ Worldwide coverage ✓ Coverage up to age 100 ✓ Special golfer coverage

✕  Only for UK residents ✕  No cancel for any reason upgrade ✕  No coverage over 100 years old

World Nomads

I’m going to start by saying  if you are under the age of 65 in the UK, 66 in Canada and Europe, and 70 in Australia, New Zealand and the US , head over to  World Nomads  and ignore the rest of these reviews. (If you’ve passed this age, read through to the next review.)

Why? Because I’m biased. I’ve been using World Nomads for years and I trust them – and so do National Geographic and Lonely Planet, which both endorse World Nomads.

Its founder is a former backpacker who understands the needs of independent travelers and offers something that’s well-tailored to our needs.

✓ Coverage for up to 18 months for long-term travelers ✓ You can extend your policy and file a claim online ✓ Covers most sports and adventure activities ✓ Has a corporate conscience ✓ Covers terrorist attacks at your destination within 30 days of your departure

✕  No cover for pre-existing conditions ✕  Very tight age restrictions (a few of us still manage but it’s really designed for the younger crowd)

Click here to get a quote!  

seniors travel insurance reviews

BUYING TRAVEL INSURANCE ONLINE BY AGE

I hope these seniors travel insurance reviews have been helpful but if this is confusing, here’s a breakdown by age.

Over 60 travel insurance If you’re looking for travel insurance for over 60s (or for travel insurance over 65 in some cases), you can get it from most normal suppliers. It might come at a premium, but you can still find cheap international travel insurance at this age. As such, my recommendation for best place to buy travel insurance is  World Nomads .

Travel insurance for over 70s Things become more challenging once you start looking for travel insurance over 70. For my American readers, consider  RoamRight , which has no upper age limit. UK travellers should consider  World First , which covers you till the age of 100. Residents of the US and most other countries  can find coverage until any age with  USA Assist , while  Europesure  gives EEA residents insurance until age 79.  Globelink  will cover EU residents until they’re 89.

Travel insurance for over 75 (and travel insurance over 80, for that matter) It’s nice: most places that cover you once you hit 65 will offer you coverage into your 80s, as companies group senior travel insurance together. In fact, with the exception of World Nomads, Globelink (must be uinder 89) and Europesure (must be under 79), all the companies on this list will cover you at any age! So you could plan an amazing getaway for your 100th birthday party.

BUYING TRAVEL INSURANCE BY COUNTRY

Travel Insurance Canada Canadians can find cover through  USA Assist , which includes worldwide coverage up to any age, but won’t cover pre-existing conditions or adventure/hazardous sports.

Best Travel Insurance Australia Our pick for Australians over the age of 70 is also  USA Assist . Unfortunately you can’t get coverage specific to pre-existing conditions or adventure/hazardous sports, but you can travel up to any age anywhere in the world.

Travel Insurance Ireland If you are over 66, you can get coverage from either  Europesure  (up to age 79) or  USA Assist  (with no upper age limit). If you have a preexisting condition, however, neither company have waivers available. 

Travel Insurance Europe Our pick for travel insurance in Europe over the age of 66 is  Globelink , which covers you up to age 89, and covers pre-existing conditions (up to 50 of them come standard) as well as adventurous and hazardous sports Younger than 66? Consider  World Nomads .

Travel Insurance New Zealand Even though the name is misleading,  USA Assist  offers great travel insurance in countries across the globe, including New Zealand. You can get coverage up to any age, although there’s no coverage for preexisting conditions. 

Travel Insurance United Kingdom You’ll get coverage up to age 100, and a pre-existing conditions waiver with  World First , making this our top pick for UK residents.  Globelink , however, offers coverage up to age 89 and 50 pre-existing conditions at no extra charge, so it can be a great choice for those under 90.  

Travel Insurance for Americans RoamRight  is a great pick for Americans travelling over the age of 70. Not only does it cover preexisting conditions, but you can even get some hazardous sports coverage. 

— Originally published on 03 May 2018

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  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Travel Guard
  • Berkshire Hathaway Travel Protection
  • Tin Leg Travel Insurance
  • WorldTrips Travel Insurance
  • Trawick International Travel Insurance
  • Travelex Travel Insurance

Travel Insurance Tips

  • Why You Should Trust Us

Ultimate Guide to Choosing the Best Travel Insurance

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Runner-Up
  • Travel Guard : Best for Cruises
  • Berkshire Hathaway Travel Protection : Best Reputation
  • Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
  • WorldTrips Travel Insurance : Best for Digital Nomads
  • Trawick International Travel Insurance : Best Low-Cost Option
  • Travelex Travel Insurance : Best for Road Trips

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Berkshire Hathaway Berkshire Hathaway Travel Protection

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
  • con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
  • con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
  • con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

  • This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
  • Travelers can file claims directly from a smartphone by using the BHTP app

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection  helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.

Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

WorldTrips Travel Insurance Review

Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance

Trawick International Travel Insurance  is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.

Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Why You Should Trust Us: How We Chose The Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

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Our Pick Of The Best Travel Insurance Providers For Seniors

Published: Jul 19, 2023, 1:05pm

Preparing for a holiday is a treat at any age, but all travellers, regardless of whether you’re backpacking or retired, need to tick off essential travel admin like purchasing travel insurance before the fun begins.

This ensures you can access life-saving medical treatment in an emergency overseas, when medical and hospital fees vary wildly. It can also help cover costs to get your trip back on the road after unforeseeable mishaps, or get you home safely if you need to cut the holiday short. This safety net can be especially important for more mature travellers with complex health and travel needs.

Not every insurance policy caters to people over a certain age, and others may impose benefit limits for certain activities for older travellers. Our dedicated Australian research team has dug through the fine print of policies open to seniors so we can outline the details of the best seniors travel insurance in Australia and who they may be best suited for. Leading policies are analysed across numerous data points, and ranked by our editorial team to reflect the most generous travel insurance suitable for seniors.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Related: Best Travel Insurance for Australians

Featured Partners

Travel Insurance Saver

Cover-more travel insurance (comprehensive), nib travel insurance (comprehensive), freely (comprehensive), allianz (comprehensive), bupa (comprehensive), boomers travel insurance (comprehensive), australia post (comprehensive), medibank travel insurance (comprehensive), racv travel insurance (comprehensive), cota (comprehensive).

Southern Cross Travel Insurance (Comprehensive)

Fast Cover (Comprehensive)

Our methodology, what is seniors travel insurance, types of travel insurance, senior travel insurance: what to look for, can seniors over 75 get travel insurance, pre-existing medical conditions: are you covered, travel insurance coverage for children and grandchildren, typical exclusions in seniors travel insurance, final thoughts, frequently asked questions (faqs).

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Cover-More Travel Insurance

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Medical cover

Unlimited, with a $2000 limit to dental

Cancellations

Yes, amount chosen by customer

seniors travel insurance reviews

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

WAS Insurance

seniors travel insurance reviews

Medical Cover & Support

Unlimited* + 24/7 Support

Cancellation AND Disruption

Up to $40,000*

Travel Insurance Saver

Yes (automatic)

The Travel Insurance Saver policy operates via nib’s underwriting service and therefore provides very similar benefits, minus the discount offered to nib health insurance members. Like the nib comprehensive policy, you’ll receive unlimited cover for medical expenses and anything that happens on a cruise as standard, as well as the freedom to choose the amount you’d like covered for cancellation costs (apart from the $2,000 limit on travel agent cancellation fees).

Many pre-existing medical conditions are included in the policy without the need for a medical assessment, including allergies, epilepsy, Hashimoto’s Disease and more, provided you meet the relevant criteria. But don’t forget the $8,000 limit on hospital compensation (at $50 per day), and that cover if you are permanently disabled while travelling is relatively low at $12,500. This policy also only covers $1 million in personal liability expenses.

  • Cruise cover automatically included.
  • Unlimited overseas medical expenses covered
  • Lower permanent disability cover

Cover-More Travel Insurance (Comprehensive)

99 (with acceptance criteria)

The comprehensive travel insurance offering from Cover-More is a suitable option for seniors (up to 99 years of age) seeking the peace of mind that cover for pre-existing medical conditions can provide. The policy’s wide range of automatically covered conditions includes carpal tunnel syndrome, plantar fasciitis, and some common heart conditions.

Be sure you meet any criteria related to these and other conditions, and please note that asthmatics over 60 aren’t automatically covered. We also liked the option to add on cruise cover, the generous $15,000 in coverage for luggage, $2.5 million in personal liability cover, $60,000 in funeral and repatriation expenses, and unlimited overseas medical cover. However, dental expenses are capped at $2,000.

  • Many pre-existing medical conditions covered without assessment
  • $15,000 luggage cover with item limit increases available
  • $2,000 overseas dental expenses cap

nib travel insurance (Comprehensive)

The comprehensive travel insurance offering from nib provides generous cover that will suit many seniors’ travel plans, with additional flexibility. It’s a great option for nib health insurance customers who receive a 10% premium discount, or anyone travelling with their children who can also be covered by the policy (as long as they’re under 25). Medical expenses that may crop up on your overseas trip should be sorted with the unlimited cover, and cruise cover is included as standard. We also like that policyholders can choose the amount of coverage for cancellation costs, with the only limit being $2,000 on travel agent cancellation fees.

This policy gets another gold star for covering numerous pre-existing medical conditions as standard, including things like allergies, epilepsy, Hashimoto’s Disease and many others (as long as you fit the criteria). However, only $1 million is covered for personal liability expenses. Also note the $8,000 limit on hospital compensation (at $50 per day), and that the permanent disability cover of $12,500 is relatively low.

  • 10% discount for nib health insurance members
  • Cruise cover automatically included

If you’re a whizz with technology and under the age of 99, Freely could be your ideal travel insurance provider. You can purchase and manage a comprehensive policy suited to seniors via the Freely app which enables a convenient claims process and easy access to important policy documents. We appreciated that the unlimited overseas medical cover also includes dental expenses, and that cruise cover can be added onto the policy.

Personal liability is covered to $3 million, and if the worst were to happen—that you pass away or become permanently disabled while travelling—expenses related to this are covered up to $25,000. A number of medical conditions are automatically covered, from bunions to congenital blindness and deafness, just be sure you meet the criteria for each. However, there is only $5,000 allotted to cancellations, which should be factored in if you’re planning a costly trip with payments made ahead of time.

  • Numerous pre-existing medical conditions covered without assessment
  • Unlimited overseas medical and dental cover
  • $5,000 limit on cancellation cover

Allianz (Comprehensive)

Allianz Australia is a suitable choice for seniors looking for a reputable underwriter and some generous conditions. Chief among these is the ability to add cruise cover—a big plus among older travellers— and the fact there is no age limit on taking out a policy. We also liked the unlimited medical expenses, alongside personal liability coverage up to $5 million.

Another bonus: children and grandchildren are covered if they are travelling with you 100% of the time, are aged under 25 years and not in full time employment. However, coverage for pre-existing conditions required a medical assessment, and there is no cover for any expenses for medical evacuation, funeral expenses incurred overseas or return of remains unless it has been approved by Allianz Global Assistance.

  • Cruise cover can be added
  • No age limit to policy
  • Pre-existing medical conditions require assessment

Bupa (Comprehensive)

Travellers of all ages and life stages can take out Bupa’s comprehensive policy, but anyone who currently holds health insurance through the company can access a 15% discount as a loyalty bonus. Simply enter your membership number when prompted as you’re applying, and you’ll get a tidy discount across the policy, which includes unlimited medical, health and emergency cover.

Top marks as well for the handy add-ons, such as cruise cover and increased item limits for more valuable personal effects, as well as the $5 million personal liability cover and $60,000 for funeral and repatriation expenses. Please note that you will be required to do an online medical assessment for any coverage of pre-existing medical conditions.

  • 15% discount for Bupa Health Insurance members

Boomers Travel Insurance (Comprehensive)

While the company’s name may elicit a cringe, Boomers Travel Insurance presents a high quality, flexible offering for travellers of any age that’s underwritten by the reputable Allianz Australia Insurance. The policy’s generous benefits include $10,000 in cover for luggage with the option to increase item limits for more valuable possessions, the option to add on cruise cover, and $5 million in personal liability cover.

It’s a great option for families, as children and grandchildren are also covered if they are joining you for your entire journey, as long as they are under 25 and not employed full-time. While the policy includes unlimited overseas medical, hospital and emergency expenses, it’s important to note that all pre-existing medical conditions need to be assessed and approved by the company when you apply for coverage.

  • Luggage cover can be increased for valuable items

Australia Post (Comprehensive)

Yes (dental limits apply)

Seniors seeking out travel insurance that automatically covers a wide range of pre-existing medical conditions (without a medical assessment required) alongside generous benefits should consider Australia’s Post’s International Comprehensive Travel Insurance. Knowing you’ll be covered if a claim arises from conditions like hypertension, epilepsy, hiatus hernia and some autoimmune disorders provides extra peace of mind for anyone juggling health complications later in life (just be sure you meet the criteria for each condition).

There’s no age limit for policyholders, nor any limits on overseas medical and hospital care, as well as additional emergency expenses. We also liked the generous $5 million personal liability cover, and $12,000 in repairs or replacement for luggage (sub limits for certain items do apply). If you’re concerned about potential dental issues while travelling, do note there is a $2,000 cap on dental expenses. And if you’re an asthmatic over 60, this particular condition won’t be covered.

Medibank Travel Insurance (Comprehensive)

Medibank is one of the largest private health insurance providers in Australia, and its comprehensive travel insurance policy is similarly reliable for senior travellers. It is especially good value for anyone who already holds a health insurance policy with Medibank – those with standard health insurance memberships will receive a 15% discount, and Medibank Priority health members will see a 20% premium reduction.

It includes generous policy features like unlimited cover for overseas medical and cancellation expenses, $15,000 in luggage cover with flexible sub limits for specific items, and $5 million in personal liability cover. Cruise cover can be added as an optional extra for those travelling the high seas, and a wide range of pre-existing medical conditions are covered without policyholders having to apply or undergo a medical assessment. Keep in mind there is a $2,000 limit on overseas dental cover.

  • 15% discount for Medibank health members.
  • Many pre-existing medical condistions covered without a health assessment.
  • $2,000 limit on dental cover.

Undisclosed

With unlimited overseas medical, dental and cancellation cover, the comprehensive travel insurance policy from RACV is an attractive policy for travellers of all ages. While the Victorian insurance company doesn’t specify an age limit on this policy, it provides cover suitable for seniors while offering a 15% discount to RACV members, no matter the type of insurance they hold with the company.

We appreciate the extremely generous $15 million personal liability cover, the $15,000 in luggage cover with flexible sub limits, and that a range of pre-existing medical conditions are covered without an assessment. Please note that travellers over 50 can’t be covered for diabetes, and those over 60 aren’t covered for asthma.

  • Cruise cover can be added.
  • 15% discount for RACV members.
  • Age limits apply for some pre-existing medical conditions.

COTA (Comprehensive)

Yes (some conditions apply)

COTA has specialised in the seniors’ insurance space since 1992, and is currently underwritten by Pacific International Insurance. Major selling points that could serve older travellers well include the automatic inclusion of cruise cover, $12,000 in cover for lost or stolen luggage, and no age limits applied to the coverage.

While overseas medical expenses coverage is unlimited with this policy, we thought it important to note the caps on dental cover ($1,000) and hospital compensation (up to $8,000 with a limit of $50 per 24 hours). Medical evacuation and repatriation expenses are unlimited, but there is relatively low cover for permanent disability caused while travelling ($12,500). And if you require cover for pre-existing conditions, you’ll need to undergo an assessment.

  • Caps on overseas hospital and dental expenses

Southern Cross Travel Insurance (Comprehensive)

Southern Cross Benefits is a reputable underwriter for this comprehensive policy available to travellers at any age . It includes generous benefits like $25,000 cover for lost luggage and unlimited medical and evacuation costs, although sub limits do apply (such as a $2,000 limit for dental expenses and a $100,000 limit on medical costs related to terrorism).

The $50,000 coverage for death, permanent disability and funeral expenses is notably higher than similar policies, but personal liability costs are only covered up to $1 million. While bank cards and other travel documents are covered up to $1,000 if lost, there is no cover for credit card fraud. Anyone with existing medical conditions or injuries will need to apply for these to be covered in case they are the cause of expenses while travelling.

  • Generous death and disability cover
  • No cover for credit card fraud

89 (with age and coverage limits on certain benefits)

Fast Cover caters to travellers aged up to 89 , but benefit limits and coverage restrictions can apply for anyone over 60, depending on which age bracket you sit within. Travellers up to 79 years of age have unlimited cover for overseas medical expenses, cancellations (although there is a $1,500 cap on travel agent fees), and trip disruption and resumption costs. Those aged 80-89 will need to pay a $2,000 excess for cancellations related to sickness or injury.

Also note that snow cover isn’t available to anyone aged 70 or older, the adventure pack age limit is 74, and dental cover for travellers of all ages is limited to $1,000. Happily, cruise cover can be an add-on at any age, personal liability is covered up to $5 million, and there are a large number of pre-existing medical conditions covered for people of all ages (as long as you satisfy the criteria related to those conditions).

  • Many pre-existing medical conditions covered without assessment.
  • Cruise cover can be added on.
  • Age and cover limits apply to certain benefits for older travellers.

Our editorial team has complete control over analysing and rating the travel insurance policies you’re reading about today. We don’t aim to evaluate every policy on the market, but we go to great lengths to extensively research and report on the most popular choices among consumers.

To find the best travel insurance for seniors, we meticulously assessed the desirable policy attributes for this kind of insurance customer across 17 datapoints. These factors are weighted to reflect the importance of each. The four most important factors considered were limits around age, death and disability cover, unlimited medical cover and cruise cover.

As mentioned, we didn’t include price in this assessment, as quotes vary between travellers based on a huge range of factors, from their holiday itinerary to optional extras they want included and health and medical histories. Each of the elements we considered when finding the most senior-friendly travel insurance providers are outlined below.

  • Emergency Assistance:  Does the policy offer a 24-hour medical or emergency hotline?
  • Credit card fraud:  If you fall victim to credit card fraud while travelling, will your credit card be replaced and any stolen funds reimbursed?
  • Pre-existing medical conditions:  Does the policy cover pre-existing medical conditions, and are you required to undergo a medical assessment to be covered for these? The more conditions automatically covered, the better.
  • Lost luggage:  Will your lost luggage be covered? Higher overarching limits and extra flexibility to increase sub limits scores extra points.
  • Cancellations: Does the policy cover cancellation fees, and what is the limit or any sub-limits?
  • Cruise cover:  Is cruise cover included as standard or can you add it on?
  • Online discounts:  Are there any discounts on offer?
  • Maximum age covered:  What is the maximum age covered in the comprehensive policy? Having no age restrictions is ideal, but otherwise the higher the better.
  • Cover for medical expenses:  Is it unlimited or is there a set total price for the medical expenses covered?
  • Cover for dental expenses:  Does the policy cover emergency dental work overs overseas? If so, is a limit specified?
  • Covid cover:  Is cover for expenses that arise from events and illnesses related to COVID-19 included in the policy? If so, what does this include, and are there any limits?
  • Cover for children and grandchildren travelling with you:  Are grandchildren or children covered for free under this policy? If they are, what terms and conditions must your family members meet to qualify?
  • Personal liability:  If you unintentionally injure someone else or damage their property, what is the maximum personal liability expense that the insurance company will pay out?
  • Funeral costs:  Are funeral costs covered, and up to what price? Limits on repatriation of remains from overseas should be considered here if they’re not included under a different policy point.
  • Accidental death:  What is the claim limit if the worst were to occur and you pass away from unforeseeable circumstances while travelling?
  • Accidental disability:  If you are permanently disabled after an accident while on holiday, what’s the maximum monetary support you can access?
  • Customer service:  What level of customer support does the insurance company offer? This could include live online chat and phone services, with these channels being available on weekends or outside business hours midweek.

About Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

When you search for seniors travel insurance online, you can find specialised policies for people over a certain age. Many insurance companies that offer these define ‘senior’ as being over 75. However, some will have a higher minimum age and others will impose age-based coverage restrictions for anyone over 55.

The majority of travel insurance companies don’t provide tailored seniors cover, and instead recommend their comprehensive travel insurance policies to older travellers. These policies often have very high or even no age restrictions, and can cover a range of complex health and travel needs.

When our research team scoured the market to find travel insurance policies best suited to seniors, we analysed comprehensive offerings to assess how generous they were for seniors. Age limits, cover for unlimited medical expenses and the availability of cruise cover, a popular option among retirees, were all key considerations.

Remember: You will note that ForbesAdvisor has not analysed price as one of its metrics as this varies wildly between insurers and depends on a number of individual variables. Age is one of these variables, and, as a whole, senior travellers can expect to pay higher premiums for travel insurance. As always, it’s important to check the fine print so you know what you are, and aren’t, covered for.

While every travel insurance provider may offer different levels of coverage under different names, there are usually three types of international travel insurance: basic, essentials and comprehensive. The cost of travel insurance will change depending on the option you chose, with basic usually the cheapest and comprehensive the most expensive.

Speaking broadly, this is what the three policy tiers generally cover:

Basic: A policy under the basic banner will usually cover things like overseas emergency medical and hospital expenses, unavoidable cancellations, replacing lost or damaged luggage, and personal liability for if you accidentally injure someone or damage their property. Basic policies often come with age restrictions, so may not be suitable for seniors.

Essentials: This is generally a mid-range policy that includes everything covered by basic travel insurance, as well as cover for some riskier activities or higher benefit limits. Similarly, an essentials policy may not be open to people over a certain age.

Comprehensive: If you’re after all of the essentials, higher benefit limits, and more cover for a wider range of activities, then a comprehensive travel insurance policy may fit the bill. Many travel insurance companies may not offer a policy explicitly for seniors, but their comprehensive options—which usually cover broader medical care and have higher or no age limit—will suit most senior travellers.

If you’re travelling within the bounds of Australia, domestic travel insurance could also be useful. However, the inclusions and coverage in these policies aren’t always relevant to international travel insurance, and so shouldn’t be compared alongside the policies listed below.

Choosing an insurance policy is personal, as it depends on factors like your age, your health needs, the belongings you want protected while travelling and your specific holiday plans. So, you should always consider policies in line with your personal and financial circumstances. However, there are a few common elements of travel insurance that seniors should consider when comparing policies:

Unlimited medical, hospital and emergency cover: You’ll find many comprehensive policies list unlimited cover for overseas medical expenses. This is a vital component of travel insurance, as you can’t predict if you’ll encounter emergency health situations and the cost of treatment may be very high in some countries, especially America . Keep an eye out for any limits around dental expenses and hospital compensation limits.

Automatic cover for pre-existing medical conditions: Some policies will automatically cover a number of common illnesses and injuries, while others will ask you to apply for coverage for all existing medical conditions (or a combination of both). In both cases, your medical history will need to meet certain criteria for that condition to be covered. Having more conditions automatically covered by a policy makes the application process smoother for seniors with complex health needs, and means the insurance provider probably isn’t increasing premiums based on the your health status.

Cover for children and grandchildren you’re travelling with. Many comprehensive policies will provide cover for your children and grandchildren if they’re travelling with you at no extra cost. This is great for families, but usually comes with some caveats. Kids and grandkids will often need to be travelling with you for 100% of your trip to get coverage, will need to be under a certain age (often 25 or younger), and can’t be working full-time. Be sure to check your family meets all the criteria before assuming any extra travellers are covered under your policy.

Cruise cover: Cruising the globe is a popular adventure for many older travellers, but it comes with risks like any other activity. Things like on-board medical treatment, incidents that happen on shore-trips and medical evacuations from cruise liners can be extremely expensive, and they generally aren’t covered by a standard policy. Many comprehensive policies offer cruise cover as an optional extra to add onto your policy, and some include it as standard in coverage. If you’re headed for the high seas, investigate which option suits you best.

No age limits, age-based excesses or benefit exclusions: Many senior-specific travel insurance policies or comprehensive policies will allow people of all ages to take out insurance, which is essential for older travels. Keep an eye out for any additional excesses that may be applied to older travellers when making a claim, or any activities or pre-existing conditions that won’t be covered if your age exceeds the insurance company’s cap.

People over the age of 75 can take out travel insurance, but not every provider or policy will cover you. Basic policies usually have an age cap at 75 (or sometimes even lower), so seniors over 75 will need to take out comprehensive travel insurance or specific policies tailored to seniors.

Make sure you carefully examine the product disclosure statement (PDS) of each policy for any specific activities or benefits that have age restrictions or limits, as this can vary considerably between providers.

In every PDS, you’ll find a long list of pre-existing medical conditions that are or are not covered. While every policy is different, having certain health conditions may disqualify you from travel insurance cover at any age.

However, many common pre-existing conditions like diabetes, epilepsy, asthma and some heart conditions are automatically covered in many policies. This means if you make a claim that’s directly or indirectly related to these conditions, your insurance provider will likely cover you assuming you met the criteria for the claim.

Be sure to check any criteria around these conditions related to changes in medication, recent surgeries or other complications. And remember: some policies may apply age limits for specific conditions which they do cover. For example, older asthmatics often won’t be automatically covered, while younger travellers with the condition will.

Some providers allow you to apply for cover of pre-existing medical conditions that aren’t on the pre-approved list. You’ll generally need to undergo a medical assessment to apply, and if approved, you’ll likely be charged an extra premium or higher excess for the coverage.

Many seniors and comprehensive travel insurance policies will include cover for any of your children and grandchildren joining your travels. This is generally included as standard, but comes with strict criteria that your family must meet in order for them to be covered by your policy. In many cases, children and grandchildren are required to be:

  • Travelling with you for 100% of your trip
  • Under a certain age (often 25 or even younger)
  • Not working full-time and, in some cases, be financially dependent on you

Younger travellers may have different travel insurance needs from seniors, so it’s important to ensure your policy covers everything that might impact your kids or grandkids while they’re travelling with you. And if your family continues their journey when you head home, they will need to take out their own insurance for the remainder of their trip in order to be covered.

All travel insurance policies have a number of activities or situations that aren’t covered, no matter your age. Seniors should always read policy documents carefully to see if there are any additional age restrictions on things like adventure sports or certain pre-existing medical conditions.

Some exclusions will be outside your control, but there are other actions you can take that may void your cover. Common seniors travel insurance exclusions include:

  • Any pre-existing condition which has not been declared, whether it’s automatically covered or not.
  • Any expenses caused by asthma if you’re over 60 (a common age-based medical restriction).
  • If you are involved in any illegal activity.
  • If you’re under the influence of alcohol or drugs during the relevant event.
  • Travelling to a destination with Smartraveller warnings under a ‘do not travel’ classification.
  • If you take part in risky activities that aren’t covered by your policy, like snow sports or high-altitude hiking.
  • Anything that happens on a cruise ship if cruise cover is not included in your policy (either as an automatic inclusion or added as an optional extra).
  • Pandemics and epidemics, unless specifically outlined in your policy, which you’ll find is often the case with expenses related to Covid-19.

There are numerous travel insurance options available to seniors, no matter your age nor your ability. The key to finding a suitable policy for you is in the fine print.

As you’re researching and comparing policies, be sure to pore over policy documents for limits to cover, specific age-based restrictions, options for additional cover versus automatic inclusions, and any policy features which will best suit the kind of international holiday you’re taking.

What is the best travel insurance for seniors over 70 in Australia?

The best travel insurance for any individual is a policy that offers the most relevant features within their budget. We’ve researched travel insurance policies that include features which are best suited to seniors, but everyone should compare and consider these policies to see if they meet their personal and financial needs.

Is travel insurance more expensive for over 75s?

As some risk factors are higher for older travellers—often those associated with existing medical conditions and injuries—you may find your travel insurance quotes increase with age. Every insurance provider has their own method for calculating premiums, so the level to which age does impact price will differ between quotes.

There’s no magic age where your premiums skyrocket, but some insurance companies do set their standards for ‘seniors travel insurance’ for people aged 75 and over.

What's the difference between single and multi-trip travel insurance?

With most travel insurance policies, you’ll need to select the dates you’ll be travelling within, and only bookings or events that happen in this timeframe will be covered. This is referred to as a single-trip policy. If you’re a regular globetrotter, you might consider multi-trip travel insurance. Otherwise known as annual travel insurance, this kind of policy can cover you for numerous holidays within a 12-month span.

Multi-trip insurance can be more affordable overall, but you’ll get the most value out of it if you have consistent travel habits, as you’re effectively paying at a set level for each trip. This means if you want more expensive features for just one trip—say, cover for your laptop while travelling or to go scuba diving—the increased premium is applied across all your travel for the year.

You’ll usually need to set the maximum duration for the trips you plan to take ahead of time, with most policies allowing for 60-day holidays and a few up to 90 days. You’ll also need to select the countries you’re likely to travel to in the year, as insurance companies need to assess the risks involved with each destination.

If you’re living it up in retirement and think you will travel often enough within the year to warrant this cover, make sure you don’t exceed the maximum trip length for any single excursion. You won’t be covered by your policy if you extend your trip.

Remember:  some insurance providers only offer multi-trip policies to travellers under 75, so be sure to check you qualify.

What is a pre-existing medical condition?

Pre-existing medical conditions can include all manner of illnesses or injuries you know you have when you purchase an insurance policy. These may or may not be covered by your travel insurance, and some insurance providers will want to conduct a medical assessment before agreeing to cover you for these conditions.

I am going on a cruise. Will travel insurance cover me?

Yes, some comprehensive travel insurance policies offer coverage while you’re on a cruise as a standard inclusion. Most other providers will offer this kind of cover as an optional extra for an additional fee.

Olivia Gee is a Sydney-based writer and editor working across personal finance, lifestyle and sustainability. She is an insurance expert with ASIC RG146 Tier 2 Certification to provide general insurance advice. Her work has been published in Time Out, Money magazine and Guardian Australia, among other publications.

IMAGES

  1. The Best Travel Insurance For Seniors (From $26.71 Per Week)

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  2. Best Travel Insurance Reviews for Seniors: Travel Insurance Over 65

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  3. Best Seniors Travel Insurance Guide

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  6. Best Seniors Travel Insurance Over 65 Quotes [Compare Rates]

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COMMENTS

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