travel insurance for the over 80's

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Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

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 for Seniors and Retirees.

Table of Contents

• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

SEE FULL REVIEW »

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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

Christine Krzyszton

Senior Finance Contributor

312 Published Articles

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

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3265 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, 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.

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.

The Cost of Travel Insurance

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.

Preexisting Conditions

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.

Travel Insurance and 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. 

COVID-19 and Travel Insurance

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.

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.

World Nomads — Best For Active Seniors

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.

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 — Best for Annual Multi-Trip Policies

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.

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. 

Best for Covering COVID-19 Cancellations

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.

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.

Best for Preexisting Conditions

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.

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 . 

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 ® 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 overall
• Best for expensive trips
• Best for older travelers
• Best for affordability
• Best for annual plans
• Why You Should Trust Us

Best Travel Insurance for Seniors of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Best Senior Travel Insurance Companies

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for older travelers:  TravelSafe Insurance

Best for affordability: GeoBlue Travel Insurance

Best for annual plans: travel guard.

How we rate the best senior travel insurance companies »

Compare the Best Travel Insurance for Seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for older travelers: TravelSafe Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

TravelSafe Insurance is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers pre-existing condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit. With a great deal of flexibility, travelers don't have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers. 

Read our TravelSafe travel insurance review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance . Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors. 

GeoBlue's policies cover travelers who are under 95 years old, offering sizeable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It's worth noting that while coverage for pre-existing conditions are available, it costs extra.

Read our GeoBlue Travel Insurance review here.

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

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a pre-existing medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

When you purchase a travel insurance policy, you'll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you're not blindsided by unexpected claim denials. 

For example, if you're canceling a trip because unexpected work, you may not be eligible for coverage if you haven't worked at your company for long enough. Additionally, you should review your policy to ensure that your pre-existing condition is covered, as companies often have very specific language around what qualifies as a covered pre-existing condition.

Emergency assistance services

Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.

How to Pick Travel Insurance as a Senior Traveler

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Pre-existing conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a pre-existing condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers pre-existing conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover pre-existing conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Why You Should Trust Us: How We Reviewed Senior Travel Insurance

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for pre-existing conditions: Pre-existing conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for pre-existing conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Best Senior Travel Insurance FAQs

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for pre-existing conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. While the average travel insurance policy costs 4% to 8% of your trip's nonrefundable cost, a 65-year-old's policy may cost 15% of their trip's cost.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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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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.

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 some of the best travel credit cards of 2024 :

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

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 Travel℠ 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Best Travel Insurance for Seniors

The best travel insurance plans for seniors offer comprehensive, specialized coverage, affordable rates, and helpful customer service.

SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines

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

• 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

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

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

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

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. Our team spent over 50 hours researching and comparing plans. We evaluated each plan using important factors like cost, customer service, plan options, amount of coverage, and more.

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

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 who 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

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.

Our Methodology: 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 have 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 choose a provider with an excellent financial portfolio. We selected providers with above-average ratings by reputable ranking agencies.
• Customer service: We assessed the ease of use of 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: If you die during your travels as a result of 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 of returning them home.
• Preexisting medical condition waiver: Some insurance carriers 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 during 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 if 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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Over 80 Travel Insurance

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Life begins at 80, right? When you’ve reached this golden age, you’ve amassed a wealth of knowledge, experience, and, most importantly, the time to explore this beautiful world.

But let’s get down to brass tacks: securing travel insurance when you’re over 80 can feel like a bit of a rollercoaster ride.

But fear not, we’re here to make it a breeze, so sit tight, and let’s unravel this over 80 travel insurance conundrum.

In this article...

Why Over 80 Travel Insurance is Crucial

The freedom of retirement often brings the opportunity to travel more frequently or for longer durations. But as we age, the risk of unexpected health issues increases, making travel insurance more important than ever.

Plus, let’s not forget those unforeseen travel hiccups like cancellations, delays, lost baggage, and even emergencies back home that could cut your trip short.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Finding the Right Over 80 Travel Insurance

Navigating the travel insurance market can feel like finding a needle in a haystack, but hold your horses! You don’t have to settle for the first policy you come across.

A bit of due diligence can go a long way in finding the right coverage tailored to your needs.

Pre-existing Medical Conditions Coverage

Traveling the world in your 80s can be one of life’s greatest joys, but it can come with its own set of challenges. One of these challenges is managing pre-existing medical conditions and understanding how they impact your travel insurance coverage.

What is a Pre-existing Condition?

A pre-existing condition is any medical or health condition that existed before the start date of your travel insurance policy. This could be something you’ve received treatment for, taken medication for, or sought advice about.

Conditions could range from chronic diseases like heart disease, diabetes, and arthritis to mental health conditions like anxiety and depression.

In the context of travel insurance for those over 80, insurers consider these pre-existing conditions while evaluating the risk and the potential cost of insurance.

This is because older people are statistically more likely to need medical assistance while traveling abroad .

Declaring Your Pre-existing Conditions

Declaring your pre-existing conditions when applying for your travel insurance is a crucial step.

Honesty is the best policy here, folks. It might be tempting to omit a condition for fear of increasing the cost of your premium, but this could lead to a denied claim when you need help the most.

Be prepared to answer questions about your medical history, current treatments, and medications.

This may include specialist reports and details about hospital visits. Yes, it might take a bit of time and you may need to consult with your doctor, but it’s worth it to ensure you’re fully covered.

Coverage Options for Pre-existing Conditions

The coverage for pre-existing conditions varies greatly among insurers. Some may offer to cover your condition as part of their standard policy, particularly if your condition is under control and hasn’t required recent treatment.

Others may require an additional premium to cover the risk associated with your condition. In some cases, the insurer might exclude your condition from the coverage, meaning you wouldn’t be able to claim costs associated with it.

Travel insurance for those over 80 with pre-existing conditions may require a little more homework to find the best policy.

But remember, the peace of mind knowing you’re covered is worth its weight in gold. After all, you’re in your golden years, and your travels should reflect that.

Yes, it can be a pain to disclose your medical history, but it’s absolutely essential for your travel insurance application.

Full transparency can save you from denied claims and potential financial woes.

We promise it’s less painful than a dentist appointment.

Benefits and Limitations

Just like a good old spy movie, every travel insurance policy comes with its twists and turns.

Know your benefits inside and out, from medical and hospital costs to cancellation and curtailment. But also familiarize yourself with the limitations and exclusions , so there are no nasty surprises.

The Cost Factor

Cost is often a major consideration for those seeking travel insurance over 80. But remember, the cheapest policy might not provide adequate coverage.

It’s like buying a chocolate chip cookie only to find it’s raisin. Make sure your policy provides value for money and covers what you need.

The Best Travel Insurance Plans for Those Over 80

Finding the right travel insurance policy for those over 80 can be a bit like finding a needle in a haystack, but fear not, it’s out there.

The best plans not only cover the basics like trip cancellations, medical emergencies, and lost luggage, but also take into account the unique needs of the seasoned globetrotter.

Here are some recommended travel insurance plans ideal for the over 80 group:

1. VisitCover Senior

VisitCover Senior is a travel insurance policy designed specifically for those over 80.

With generous coverage for medical expenses, including those related to pre-existing conditions, this plan also offers protection for trip cancellations and delays, lost or delayed baggage, and more.

The customer service is top-notch, helping you navigate any obstacles that might crop up during your travels.

2. GlobeTrotter Platinum

GlobeTrotter Platinum is another robust policy providing high medical coverage limits.

It also includes coverage for emergency evacuations – a crucial consideration for those traveling to remote or exotic locations. GlobeTrotter has a solid reputation and a customer service team that goes the extra mile.

3. WanderWell Explorer

WanderWell Explorer offers comprehensive coverage for trip cancellations, medical emergencies, and baggage issues.

This policy stands out for its optional “cancel for any reason” upgrade, giving you the flexibility to change your travel plans without worrying about losing your investment.

4. AdventureShield Diamond

AdventureShield Diamond caters to the more adventurous souls who don’t let age slow them down. Alongside standard coverage, it includes protection for adventure activities, from hiking and biking to ziplining and snorkeling.

If your bucket list still has a few thrill-seeking entries, AdventureShield might be the one for you.

When choosing a travel insurance plan, consider your health, travel itinerary, and personal comfort level. It might be worth paying a bit extra for a comprehensive policy that gives you peace of mind and lets you focus on the fun stuff – experiencing the trip of a lifetime.

Q: Why is travel insurance for those over 80 often more expensive?

Travel insurance premiums rise with age because insurers see older travelers as a higher risk due to increased health issues and medical needs.

Q: Are there any travel insurance providers that specialize in over 80 travel insurance?

Yes, several travel insurance providers specialize in insurance for older travelers. Some may even provide coverage without an upper age limit.

Q: Can I still get travel insurance if I have pre-existing medical conditions?

Yes, but it might affect the cost of your premium, and not all conditions may be covered. Be sure to disclose all pre-existing conditions to your insurer.

Q: What happens if I fall ill abroad without travel insurance?

Without insurance, you could be responsible for any medical costs incurred. This could include everything from doctor visits to hospital stays, medication, and even medical evacuation .

Q: Can I get travel insurance for a single trip or do I need to buy an annual policy?

You can get coverage for a single trip or buy an annual policy, depending on your travel plans. An annual policy may be cost-effective if you plan to travel multiple times within a year

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January 22, 2020

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January 21, 2020

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January 16, 2020

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Travel Insurance for Over 80s

Get your quote for over 80s travel insurance – find cover for hundreds of pre-existing medical conditions, we help you find an over 80s travel insurance policy that provides medical cover for unexpected and unforeseen circumstances – get your quote today..

There is no age limit to living life to the fullest, spending time with loved ones, and seeing the world. At Just Travel Cover, we believe nothing should stand in your way – including Travel Insurance over 80!

It is important to have the right level of Travel Insurance cover when you get to the age of 80, especially if you suffer from any pre-existing medical conditions. We want to ensure help and protection are available if needed during your holiday. Once you’re 80 or over, securing senior-appropriate Travel Insurance with medical conditions can be difficult due to the expensive premiums and limits on cover. Just Travel Cover offers reasonably priced, tailored over 80s Travel Insurance for all ages and hundreds of pre-existing medical conditions. We even offer Cruise Travel Insurance for over 80s! No matter your holiday, we have you covered.

Saving Time and Money on Travel Insurance for Seniors

We offer excellent, advanced over 80s Travel Insurance for seniors and OAPs, covering hundreds of pre-existing medical conditions. All we ask is for you to take a few minutes to complete our online medical screening so we can begin comparing policies. It is a fast, easy, and accurate process, ensuring your Medical Travel Insurance for over 80s quotes are tailored to your age, health and travel necessities. It is crucial that you declare your medical history, including all of your pre-existing medical conditions. If you do not declare all pre-existing conditions, your policy could be void should anything go wrong.

Travel Insurance for Pensioners with Medical Conditions

Our premium Travel Insurance for over 80s covers pre-existing conditions. Some of the medical conditions we offer cover include Heart Conditions, Type 1 and 2 Diabetes, Mental Health conditions and Cancer. We cover hundreds of pre-existing medical conditions.

Over 80 Travel Advice

Compare over 80 travel insurance, over 80s travel insurance faqs.

Frequently asked questions about our Over 80s Travel Insurance deals.

What is Over 80s Travel Insurance?

The older we get, the more important it is to get the right Travel Insurance , but the harder it can be to find, especially if you have pre-existing medical conditions. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

What does over 80s Travel Insurance cover?

If you arrange your over 80s Travel Insurance as soon as you’ve booked your holiday, you will be covered for trip cancellation. That way, if you need to cancel your trip for an insured reason, you’re protected. When you set off on holiday, you can relax knowing you have Holiday Insurance in place. If something should go wrong, know that you’re covered for emergency medical treatment (including for your pre-existing medical conditions ) as well as cover for your baggage should they be lost, stolen or damaged. For an additional premium, we offer smart luggage which offers real-time payments to your bank account should your luggage is delayed or lost.

Where can I go with Travel Insurance that covers the over 80s age group?

It can sometimes be difficult to get Travel Insurance if you’re over 80 and travelling to certain long-haul destinations such as the USA, Canada, or Australia. At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history. The comparison is done for you! Note that all quotations are subject to medical screening.

How much does over 80s Travel Insurance cost?

Our over 80s Travel Insurance policies are personalised to you and your needs. Therefore, the costs will differ depending on your circumstances, destination and length of your trip, as well as how far in advance you arrange cover. It’s important to remember that Travel Insurance for those over 80 is there to cover unforeseen costs like medical expenses, should you need emergency treatment on holiday. These bills can easily run into the thousands, and it’s reassuring to know you have adequate Travel Insurance for your age and medical conditions in place. For most quotations, we will provide a bronze, silver and gold level of cover so that you have the option to compare and take a policy to best suit your needs and budget.

Can I get Travel Insurance if I’m over 80 with a heart condition?

Yes, we have insurers on our panel with no age limit that specialise in Over 80s Travel Insurance for pre-existing medical conditions , including heart conditions such as angina or an irregular heartbeat. We can also provide over 80s Travel Insurance if you have had a heart attack. To get adequate cover, you need to declare your conditions during the medical screening process and answer the questions honestly.

Can I get Travel Insurance over 80 with diabetes?

Yes, we specialise in over 80s Travel Insurance for the elderly and all pre-existing medical conditions, including travel cover for type 1 and type 2 diabetes . When getting a quote online or over the phone we will ask you a few questions regarding insulin and hospital visits as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 80 and living with cancer?

It is our aim to help you find Travel Insurance at any age, including if you’re over 80, and living with pre-existing medical conditions, including cancer. We have policies with no age limit (single trip) and are able to provide cover for most types of cancer, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the cover you need.

If I’m over 80 can I get Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. When getting a quote online, you may be prompted to call us so we can explain the options for each insurer on our panel and provide the option to include or exclude these conditions. Our policies have up to £15m medical cover so you can travel safely knowing that you’ve got the right support if the unexpected happens. Find out more on our pre-existing medical condition page.

What options are available for life insurance for over 80 year olds in the UK?

Life insurance policies for individuals over 80 can vary, with options ranging from whole life to term insurance. It’s important to compare policies to find one that meets your specific needs and budget. At Just Travel Cover, we have partnered with the UK’s number 1 rated Life Insurance experts, iam|INSURED. They provide guaranteed life insurance if you are between 50-80 years old. Visit our life insurance page and see if there is a policy for you. Please note that over 80s life insurance is not the same as Travel Insurance, and you still need to take out a Travel Insurance policy when going on holiday.

What should old age pensioners (OAPs) consider when looking for Travel Insurance?

When seeking Travel Insurance for OAPs or old-age pensioners, you should consider a Travel Insurance policy that covers pre-existing medical conditions, an adequate cancellation cover that exceeds all expenses of the trip, and high medical cover with repatriation included. At Just Travel Cover, we will ask you a series of questions and then only show you policies that match your travel requirements, including Travel Insurance for OAPs policies tailored towards pensioners over 80.

Can I get Travel Insurance without medical cover?

No, medical cover is a crucial part of Travel Insurance, especially for travellers with pre-existing medical conditions or old age pensioners (OAPs) and those going to destinations where healthcare is expensive. At Just Travel Cover, we can offer emergency medical expenses and repatriation up to £10 million per person.

It is important to secure over 80s Travel Insurance with medical cover, as even in countries where medical expenses are covered by a UK GHIC or UK EHIC card, it is not a replacement for Travel Insurance. For example, the card will not cover being flown back to the UK (medical repatriation), treatment in a private medical facility, or ski or mountain rescue.

If you are holidaying in the UK, Staycation Travel Insurance can provide cover against loss or theft of baggage, cancellation, and curtailment.

Are cruises a good option for holidays for over 80s?

Cruises can be an excellent option for holidays for over 80s, as they offer a variety of onboard amenities and the chance to explore multiple destinations in a comfortable, accessible manner. Many cruise lines cater to older travellers with specific needs. Visit our Senior Cruise page for tips on cruise holidays over 80. 

Why Choose Travel Insurance for Over 80 Year Olds from Just Travel Cover?

At Just Travel Cover, we specialise in providing Medical Travel Insurance with no upper age limit and cover for pre-existing medical conditions (terms apply).   With our Travel Insurance for seniors with pre existing conditions, travellers over 80 can benefit from:

• Single trip cover up to 94 days with no upper age limit
• Hundreds of pre-existing medical conditions, including terminal prognosis covered
• High levels of cancellation and emergency medical expenses cover
• Lost documents, baggage, medications, and medical aids cover
• Flexibility – 3 levels of cover to suit your needs
• Travel companions can be included in the same policy
• Zero excess policies available

Travel Insurance for Over 80s – What Are You Covered For?

• Cancellation/ curtailment up to £12,500
• Missed departure up to £1,000 per person
• Baggage up to £3,000 per person
• Emergency medical expenses and repatriation up to £10 million per person
• Mobility aids up to £2,500 per person
• Lost medications and medical aids up to £300 per person
• 24/7 emergency medical assistance

Please note all cover limits are per person and vary by insurer.

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

Travel Insurance for Over 80s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for pre-existing medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Just some of the pre-existing medical conditions we cover:

• Heart Conditions
• Cholesterol
• Joint Problems (arthritis, back pain)
• Mental Health Conditions
• Liver Conditions
• Breathing Conditions
• Circulatory Conditions
• Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your pre-existing medical conditions in full and we will do the rest.

Fast, Easy, and Accurate Online Medical Screening

Our quick and easy online medical screening will take you just a few minutes to complete and allows you to compare Over 80s Travel Insurance policy quotes. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel Insurance quotes tailored to your health and travel requirements. Please have the following at hand:

• Your medical history with important dates
• Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for Seniors (65+)

Seniors travel insurance for over 65 and over 80+, not sure which seniors travel insurance plan to select scroll down to see a quick summary of each plan..

We recommend our top choice of plans below:

Our Over-65 and Over-80 travel insurance plans provide medical coverage, medical evacuation coverage, repatriation, and multiple deductible options along with multiple amounts of coverage. We can find you the perfect travel insurance plan based on your age, activity, or location. 

We Recommended

Our recommended plan

Geoblue Voyager Choice Premier Health Insurance for International Travel up to Age 94

One of the best international travel medical insurance plans for U.S. residents with pre-existing conditions

IMG Patriot America Plus International Medical Travel Insurance with Telehealth Benefits

Medical insurance for international travel for non-U.S. citizens and non-U.S. residents traveling globally, including to America

Scroll down to see all travel plans below

More seniors travel insurance plans

Seniors Travel Insurance – For Specific Needs

Img globehopper senior international travel medical insurance for u.s. residents.

International medical travel insurance for seniors on Medicare with no age limit

Trawick Non-U.S. Senior Travel Insurance

Excellent travel insurance for seniors over 70 for non-U.S. not traveling to the USA

Trawick Safe Travels USA Senior Insurance Plan

Travel insurance for over 65 (up to age 90) to the USA for non-U.S. seniors

Trawick Travel/Adventure sports in the USA

One of our most recommended travel plans for sports in the USA

IMG Outreach International Travel Medical Insurance with Option to Add Enhanced Accidental Death & Dismemberment Benefit

One of the most affordable international travel medical insurance options available anywhere

Atlas International Travel Medical Insurance Policy

Great choice for travelers with personal liability & crisis response

HTH Trip Protector Trip Cancellation and Interruption Insurance with option for ‘Cancel For Any Reason’

Travel insurance offering trip cancellation coverage, including a benefit option that covers pre-existing medical conditions for U.S. travelers

Looking for an annual travel plan – with unlimited trips?

Globehopper – annual travel insurance for seniors.

Globehopper travel insurance for over 65s – for U.S. seniors 65-80+ on Medicare

Seniors Travel Insurance for ages 65-80+

What you should know.

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Most travel insurance plans available online either limit travelers over a certain age, or they begin to severely limit benefits over a certain age in order to keep prices low. We offer plans that feature lower prices and benefits as well as full-featured plans with benefits up to 1 million USD and have no maximum age limits.

These senior travel insurance plans have all the same benefits found in our other travel insurance plans. However, always check the brochure and specific benefit amounts to make sure you are getting what you need and want before you travel. We can also help. We are here ready to make a recommendation based on your travel plans.

The GeoBlue Voyager Choice plan covers up to age 84, is part of the Blue Cross Blue Shield Global network and also covers pre-existing medical conditions. It is our top recommended plan for those 65+ who are residents of the U.S. traveling outside the U.S.

Globehopper

Our Globehopper plan is an excellent seniors travel insurance plan  with no age limit for U.S. residents that are on Medicare Parts A and B and carry supplemental insurance. It is affordable and has very strong benefits.

Our Trawick Safe Travels plans are good for non-U.S. travelers up to age 90 whether going to the U.S. or anywhere else in the world. You can get up to $100,000 USD in maximum medical benefits for ages 70-79 and very strong medical evacuation coverage. This plan is also renewable with uninterrupted coverage for up to 24 consecutive months.

Things to keep in mind when selecting seniors travel insurance

Benefit amounts: Many plans reduce benefits after a certain age. Ask if a particular plan reduces benefits after a certain age and by how much. Usually, depending on your age and health, you may want more coverage as you get older rather than less. You will also want to make sure emergency evacuation and/or hospitalization benefits would be enough to cover your needs. You may need an evacuation or extended stay in a hospital or surgery before being able to be released, stabilized, or transported home.

How long do you want coverage for? 

Some seniors are looking for a plan that allows them to spend part of each year in another country. Others may travel extensively and want an annual travel plan such as the GeoBlue Trekker Choice (up to age 84) or the annual version of the GlobeHopper travel plan mentioned above .

We also have long-term international health insurance for expats aged 65+ that we can help you with.

Current medical issues?

Do you need coverage for pre-existing conditions or health issues that you may have seen a doctor for in the last two years/or on-going concerns? Note that while we have plans that cover pre-existing conditions, most travel medical plans are for new illnesses and injuries, not maintenance of current medical issues when abroad. They are also not allowed to be used for medical travel or medical tourism.

Looking for Evacuation-Only Plans that do not include medical benefits?

We have a plan for those 74-84 years old , as well as plans for those under 74, with no deductibles, no claim forms, out-of-pocket expenses, or caps on emergency medical transportation. And an over 90% approval rate! On these plans evacuation does not need to be a medical necessity, or based on life and death.

Looking for trip cancellation insurance for over 65?

We can help you select between multiple options such as HTH Trip Protector, RoundTrip Elite, or iTravel Trip Cancellation.

We are here to help you with your decision, as well as answer your questions via phone , or email or even Skype or Live Chat if you prefer.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
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Covered 27 million+ travellers

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24/7 emergency helpline

Our over 80s travel insurance covers you for all the holiday essentials: medical emergencies, travel delays and cancellations. We have no age limits on our travel insurance and, if you declare any pre-existing conditions, we can cover those too for you. 

What is over 80s travel insurance and how does it work?

Over-80s travel insurance is a type of travel insurance policy that specifically caters to people over the age of 80. This means insuring you for unexpected events during or before your holiday. We’ll also cover any pre-existing medical conditions you declare.

Travel insurance is incredibly important, especially as we get older. You want to enjoy your retirement, not worry about unexpected expenses from holiday hiccups, like hospital trips.

So that’s why we’re here to keep you financially protected when you travel. So you can enjoy your trip without worrying about surprise costs.

What does InsureandGo’s over 80s travel insurance cover?

What’s covered.

All our yearly travel insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We strive to provide the best cover possible,  however, there are some situations no travel insurance will cover. For example:

• Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like snowing or snowboarding.

Trip length

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions.

If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best travel insurance for over 80s

If you’re heading off to do something special, your age shouldn’t stop you. That’s why we offer all sorts of extras for your travel insurance policy. 

• Cruises : Adding cruise cover to your policy protects you against some cruise-specific mishaps, like a missed departure, cabin confinement, or even repatriation back to the UK from the sea. 
• Single trip cover : Just heading abroad once this year? Single-trip travel insurance might be the way to go.
• Golf : Rest assured on your golfing holiday with our golf holiday travel insurance, which covers your equipment, green fees and your golf clubs. 
• Europe or worldwide cover: Taking a once-in-a-lifetime trip with multiple stops? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance . 
• Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday, even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover .

Choose a cover level to suit your travel needs

Travel insurance for over 80s with pre-existing medical conditions.

At InsureandGo, we’re proud to offer travel insurance for medical conditions . Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

It’s important to declare any medical conditions you have before you buy your policy. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents . 

If you’d rather talk to someone with your questions, then please get in touch with us .

Which destinations are covered by over 80s travel insurance?

We offer over-80s travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your coverage to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book travel insurance for over 80s

You should be free to enjoy your time, not bogged down sorting out travel insurance. That’s why we make getting an over-80s travel insurance quote as easy as possible. 

1. Let us know a little info

We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

After you’ve given us all the details we need, we’ll send you over a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.

“If you’re over 80 and booking your next trip, make sure to sort your travel insurance. his protects you against unexpected medical costs, including repatriation back to the UK. Plus, travel insurance for pre-existing medical conditions will also cover any lost medications, so you’re not caught short if you forget to pack something.” Letitia Smith – Travel insurance expert

Our reviews speak for themselves

Don’t just listen to us, listen to the people who have already booked with us.

Get a quote now:

Frequently asked questions on travel insurance for over 80s

Can 80 year olds get travel insurance.

Yes, people aged 80 and over can get travel insurance. 

When buying travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses you might need. Each policy is different, so be sure you check yours.

What is the maximum age you can insure up to?

InsureandGo offers travel insurance with no upper age limit . Our policies always include cover for over 100 sports and activities, no matter what your age. Although our additional winter sports cover is only available up to age 65.

Will my policy be more expensive if I’m over 80?

The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as  golfing . 

Does my over 80s travel insurance change depending on where I’m going?

Yes. Policy premiums are affected by your destination, however this is the same for travellers of all ages. Prices differ because countries have different costs for medical treatment. For example, travel insurance for the USA costs more because medical treatment in America is a lot more expensive than the same treatment in certain European countries.

How long can I travel for if I’m over 80?

You can travel for as long as everyone else! Our policies do have trip limits, but these apply to all travellers, regardless of age. On our single-trip travel insurance , you can be abroad for up to 365 days if you want to!

Our annual multi-trip travel insurance allows you to travel as often as you like, but there’s a maximum number of days for each trip. Budget level policies provide cover for up to 31 days at a time, while Silver or Gold covers you for up to 45 days. Black policies can cover unlimited trips of up to 55 days.

Do I need a GHIC card as well as travel insurance?

The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country. While your Global Health Insurance Card or GHIC (previously EHIC) will cover you for medical expenses directly, it will not cover any additional holiday hiccups, like lost luggage or repatriation back to the UK. 

All British citizens are entitled to a  GHIC. These cards will cover any necessary treatments you may require in Europe. However, these cards do not replace European travel insurance , so make sure you arrange it before you travel.

What is considered a pre-existing condition for travel insurance?

It is considered a pre-existing condition if any person insured on a policy has:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before purchasing travel insurance for medical conditions , you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing condition before taking out your travel insurance policy, you will likely find that the entire policy becomes invalid, leaving you responsible for all costs incurred when abroad. This means not only medical bills but also transport to and from the hospital, as well as any other accidents, like lost luggage.

How far in advance should I get travel insurance?

Book your travel insurance as soon as you book your trip . Doing it like this means you’re covered if there are issues ahead of your trip. If you can’t do this straight away, get cover as soon as possible. It’s important to remember that your travel insurance will only be valid if you purchase it before you leave the UK. 

If you’ve booked any activities or excursions while on holiday, make sure you check the wording on your policy to ensure that the insurance covers any risks from these activities.

Who can buy an InsureandGo over 80s travel insurance policy?

All our over 80s travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our over 80s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

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RV Insurance

Insurance for your RV, travel trailer, or camper.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

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We offer convenient payment methods and plans :

• Pay online, over the phone, or by mail
• Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

• Get an ID card
• View your policy details
• File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
• Replacement cost personal effects
• Vacation liability
• Emergency expense coverage
• Special windshield deductible
• Recreational vehicle medical payments coverage
• Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
• Fifth-Wheel travel trailers
• Folding camper trailers
• Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

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RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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