compare travel insurance over 80

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

Christine Krzyszton

Senior Finance Contributor

327 Published Articles

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

Keri Stooksbury

Editor-in-Chief

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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. The Amex Platinum card, unlike typical credit cards, allows you to carry a balance for certain charges, but not all. 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 .

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Travel insurance

Best travel insurance for seniors in September 2024

Amy Fontinelle

Heidi Gollub

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

Updated 5:55 a.m. UTC Sep. 2, 2024

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Top-rated travel insurance for seniors.

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, why it made our list.

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

Pros and cons

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

Trawick International

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

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

Seven Corners

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

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

Generali Global Assistance

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

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

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

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

Compare the best travel insurance for seniors

Via Compare Coverage’s website

Methodology

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

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

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

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

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

What is covered by travel insurance for seniors?

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

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

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

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

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

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

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

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

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

How to choose the best senior travel insurance

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

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

How much does senior travel insurance cost?

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

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

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

Compare senior travel insurance rates

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

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

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

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

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

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

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

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

More travel insurance for seniors resources

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

Best senior travel insurance FAQs

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

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

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

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

More: Is travel insurance worth it?

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

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

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

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

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

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

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

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

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The Best Senior Travel Insurance for 2024

Trawick International »

Allianz Travel Insurance »

AIG Travel Guard »

Nationwide »

WorldTrips »

GeoBlue »

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

• Trawick International
• Allianz Travel Insurance
• AIG Travel Guard

Key takeaways

• Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost.
• Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
• Older travelers may also want to look for travel insurance plans that cover preexisting medical conditions.
• Some plans for seniors let individuals add on cancel for any reason (CFAR) coverage that reimburses up to 80% of prepaid travel expenses when a trip is canceled for any reason at all.

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.

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

• Trawick International: Best Overall
• Allianz Travel Insurance: Best Cancel for Any Reason
• AIG Travel Guard: Best Annual
• Nationwide: Best for Cruises
• WorldTrips: Best Budget
• GeoBlue: Best Medical

Incredibly high limits for medical expenses and emergency evacuation

Customize plan with optional CFAR coverage

Coverage is for trips up to 30 days if you're ages 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
• Up to $750 in emergency dental coverage
• Up to $2,000 in coverage for baggage and personal effects
• Up to $400 for baggage delays of 12-plus hours

SEE FULL REVIEW »

High reimbursement for CFAR coverage

Coverage for preexisting conditions is offered

Relatively low limits for baggage delays

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Trip change protector coverage up to $500
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $300
• Travel delay coverage up to $800 ($200 daily limit)
• $100 per day in SmartBenefits coverage per person for fixed inconvenience payments
• 24-hour hotline for assistance
• Concierge services
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Year-round comprehensive travel insurance coverage

Generous limits for medical and emergency medical evacuation

Does not include trip cancellation coverage

• Up to 100% of insured trip cost for trip interruptions (maximum of $2,500 per trip)
• Up to $1,500 for trip delays ($150 per day)
• Up to $500 for missed connections caused by delays of at least three hours
• Up to $2,500 for lost baggage
• Up to $1,000 for baggage delays of 12-plus hours
• Up to $50,000 for travel medical coverage ($500 dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 for accidental death and dismemberment (AD&D)
• Up to $100,000 for security evacuation coverage

Cruise-specific coverages and benefits

High limits for medical expenses and emergency evacuation

May be expensive compared to other coverage options

• Trip cancellation coverage up to 100% of prepaid trip cost
• Trip interruption coverage up to 150% of prepaid trip cost
• Trip interruption for any reason (IFAR) coverage worth $1,000 if conditions are met
• Missed connection coverage up to $2,500 for delays of three-plus hours
• Trip delay coverage up to $1,000 for delays of six-plus hours
• Itinerary change coverage worth $250 to $1,000 (depending on reason for change)
• Emergency medical coverage up to $150,000 (secondary with $750 dental sublimit)
• Emergency medical evacuation coverage up to $1 million
• Up to $25,000 for AD&D
• Up to $2,500 in coverage for lost or stolen baggage ($1,000 maximum for special items and $500 limit per article)
• Baggage delay coverage up to $1,000 for delays of six-plus hours
• Nonmedical evacuation coverage 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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

Medical-only coverage

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

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.

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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• 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 September 2024: Travel Insurance Coverage & Tips for Seniors

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 travel 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 of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for age limits: TravelSafe Insurance
• Best for affordability: GeoBlue Travel Insurance
• Best for annual plans: Travel Guard

Top Travel Insurance for Seniors Comparison

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 Senior Travel Insurance Overall

Allianz travel insurance.

Allianz 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 .

Best Senior Travel Insurance for Expensive Trips

John hancock travel insurance.

John Hancock 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 .

Best Senior Travel Insurance for Age Limits

Travelsafe insurance.

TravelSafe 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 .

Best Senior Travel Insurance for Affordability

Geoblue travel insurance.

GeoBlue 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, earning it a spot among the best cheap travel insurance .

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 .

Best Senior Travel Insurance for Annual Plans

Travel guard.

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 policy 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 .

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.
• Pre-existing condition coverage:  Can mean two different things: coverage for trip cancellations as a result of pre-existing conditions or medical expenses as a result of pre-existing conditions. Either way, policy must be purchased within a certain time frame from when you booked your trip, usually two or three weeks.

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 U.S.
• 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 and how much coverage you receive. We also looked at the age limits for a company's policy. 
• 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. We also looked at how travel insurance companies price senior travel insurance compared to travel insurance for younger travelers.
• Benefits for 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 Business Insider's travel insurance rating methodology .

Best Senior Travel Insurance FAQ

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.

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane ticket and hotel stay are refundable, there's no need to purchase trip cancellation. Seniors can also look into multi-trip insurance, which can save you money if you're planning multiple trips in a year.

All travel insurance companies 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.

The best travel insurance for seniors is Allianz 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.

Most travel insurance companies will have an age limit, often only insuring people 80 years old and younger. However, many of the insurance companies in our guide have higher limits or no age limit at all.

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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: Wells Fargo Autograph℠ 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.

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

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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.

June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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Travel Insurance for Seniors

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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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13 Best Senior Travel Insurance Plans & Options

We take pride in providing authentic travel recommendations based on our own experiences such as unique images and perspectives. We may earn a commission when you purchase a product or book a reservation. Learn more ›

Written by Kyle Kroeger

Are you a senior citizen who loves to travel? What are your best senior travel insurance options? Well, your age should only make your travel even more stress-free. And the following insurance options ensure that.

Travel insurance is essential for all travelers. That goes without saying! However, it is certainly more important for some people than for others. For instance, for the senior generation, travel insurance is a must-have.

Why? They are prone to more health issues than the younger generation, and anything might happen before or during the planned travel. For this reason, having the right travel insurance for seniors is paramount.

Also, hitting 65 doesn’t have to affect your love for travel. Your travels should get even more exciting and stress-free. The only question is, where do you get your senior travel insurance plan? And, what are the best senior travel insurance companies you can rely on? We’ll see that in an instant.

Summary of Top Picks

Best Senior Travel Insurance Options

Now that we know what to look for in travel insurance coverage, which are the best senior travel insurance companies to choose from?

1. InsureMyTrip

Do you wish to travel confidently with zero worries? Who doesn’t? In this case, InsureMyTrip is among your best bets. They have been in the business for over 20 years and have a good reputation.

The site offers a wide range of plans , allowing you to choose what best suits your needs. And if you need help, their customer service is always ready and willing to assist. Their insurance policies will cover the following:

• Eligible medical expenses during the trip
• Trip cancellations due to illnesses
• Accommodation coverage – in case you get quarantined at your travel destination

So, are there any pre-paid or non-refundable travel costs you won’t want to lose? InsureMyTrip offers a solution. Compare hundreds of travel insurance covers from 23 providers, and choose your best fit.

2. VisitorsCoverage

VisitorsCoverage is our go-to option for all things travel medical insurance. They offer the best coverage and rates, as well as 24/7 customer service. Plus, our customers have given them rave reviews! We highly recommend VisitorsCoverage for anyone looking to get travel medical insurance. Whether you’re traveling abroad or within the US, they have an option that’s right for you.

They are a marketplace that offers some of the best options in the entire travel industry with the widest array of plans for medical coverage, trip interruption, and health insurance coverage for travel abroad. Here are some key offerings that differentiate VisitorsCoverage from the rest of the pack:

• Plans from some of the most reputable insurers in the travel industry
• Immediate coverage
• Lowest price guaranteed
• Excellent customer service

You can’t go wrong with VisitorsCoverage and you’ll quickly find an excellent policy for your trip. Read our VisitorsCoverage review if you’d like to learn more about their insurance offerings.

3. TravelInsurance.com

Who doesn’t want some peace of mind during travel? Everyone does! And finding the best senior travel insurance is what every senior traveler needs. TravelInsurance.com is another travel insurance marketplace that you can rely on. Here, you get to compare all the plans you’ve thought of from different providers and settle for the one that suits you best.

The platform makes traveling easy and peaceful. And the process of getting your cover is also as easy. You can easily compare numerous top travel insurance providers, buy the plan online, and travel.

The best thing is that you can choose from the lowest prices. And these prices are guaranteed and regulated by law. Some of the companies included in TravelInsurance.com’s database include:

• Global Trip Protection
• Generali Global Assistance

You can get your senior travel insurance plan in these four easy steps;

• Fill in your details in the quote form
• Receive various quotes from the best travel insurance companies
• Compare these plans, prices, and benefits
• Make your purchase online and get instant cover

The platform guarantees unbiased comparisons, the best prices, and easy-cover purchases. You can get a full review of TravelInsurance.com if you want to learn more.

4. Travelex

With Travelex , you can secure the most important part of your trip! They offer the peace of mind that everyone looks for in a trip. And, with several policy plans, every old or young traveler is sorted.

Also, don’t mistake Travelex for the new firms joining the market. Travelex has been in this industry for over 25 years, doing what they do best – helping travelers dream, travel, and confidently explore the world.

The firm was born in 1996 after Travelex acquired Omaha Companies’ travel insurance distribution services. It’s among the three top travel insurance firms in the US.

The firm’s vision is to be the traveler’s eyes as they explore the world fearlessly. It offers the support you need during any travel expedition. Some of their main benefits include:

• Trip cancellation covers – protection when trips are canceled.
• Trip delays – you get reimbursed for any unexpected expenses due to trip delays.
• Baggage and personal effects – cover for lost, damaged, or stolen items during the trip.
• 24-hour travel assistance – for both medical and concierge services .
• Emergency medical coverage – covers any unexpected sickness or injury.
• Missed connection covers – Travelex covers the resulting expenses if you miss a flight connection.

Other covers include accidental death and disbursement, primary coverage, and pre-existing conditions (when there is a waiver). Like what you are hearing? Read more in our full Travelex insurance review .

5. AIG Travel Guard

Finding good travel insurance for retirees can sometimes be challenging. However, AIG Travel Guard ensures our senior generation can travel without worry. After working hard for so many years, it’s only fair to get a chance to travel, explore, and experience the coolness of life worry-free.

With AIG’s Travel Guard travel insurance , all this is possible. Whether on a solo trip or traveling with your family , AIG doesn’t discriminate. And it offers policy plans for almost every type of travel.

Whether you want a short two days getaway, a two weeks vacation abroad, or even a cruise tour, Travel Guard has your back. All you need to do is choose the best policy plan for you, and you are good to go.

Some of the benefits that come with AIG senior travel insurance covers include:

• Lost or damaged luggage
• Handling flight or trip cancellations
• Medical insurance
• medical evacuation coverage

The best thing is that AIG personnel is ready for you any time of the day, 24 days a week. Also, it doesn’t matter the part of the globe you are taking your tour to. The firm will still be there for you.

6. AXA Travel Insurance

This is another great travel insurance company that you can consider. Even better, senior citizens are not excluded from AXA Travel Insurance covers. Generally, AXA offers three major plans. These include silver, gold, and platinum plans. With these plans, everyone is considered.

Whether you are traveling alone or with a family , your needs are included in these plans. And they had your budget in mind when coming up with the covers.

For instance, all the policy plans offer 100% cost protection against trip cancellation or interruption. As for other benefits, each is determined by the type of cover. These include the following:

• Emergency medical evacuation
• Medical expenses (sickness or accident)
• Other evacuation emergencies
• Baggage loss or damage
• Activities and sports
• Generous missed connection coverage
• Death and disbursement

So, why choose AXA Travel Insurance over other providers?

• Concierge services – 24/7
• The largest international network
• Has been ranked the number one global insurance brand by INTERBRAND for 10 years in a row

In addition, you get some of the best travel tips from their site. It’s an all-around travel insurance and travel assistance firm.

7. Just Travel Cover

With Just Travel Cover , age is not a limit. And pre-existing medical conditions are not a hindrance to getting travel coverage. For this reason, if you are elderly with some pre-existing condition , Just Travel Cover makes your every trip worth it.

Just Travel Cover is not an insurance cover provider itself. However, it gives you the best chance to identify the ideal travel insurance providers. The travel policies on this platform ensure that anyone, whether a teen or senior citizen, can get as carefree travel as possible.

Additionally, it offers covers for any travel. So, if you want a one-week tour in the Caribbean or a cruise around our beautiful planet, Just Travel Cover has a solution.

By partnering with some of the world’s top travel insurance providers, the platform ensures everyone’s travel needs are sorted. You might be 20 or 85, but the travel experience doesn’t change with age.

Wherever your heart wants to go, having a cover from Just Travel Cover ensures it happens. Here, you’ll get travel coverages for:

• Single trips
• Annual multiple trips
• Cruise travel
• Pre-existing medical conditions
• Luggage loss and damage

And you get to compare over 62 cover plans and prices from top-rated travel insurance companies.

See related : Using a Travel Agent vs Booking Online

8. Allianz Travel Insurance

If you want to travel safely , travel insurance is paramount. It helps to guarantee your security and that of your luggage and gives you the calmness to enjoy every day of your trip .

Allianz is one of the world’s top travel insurance providers. It covers both local and international travel expeditions, including cruises. This wide coverage ensures that you can travel to any destination, engage in almost any fun activity, and stay for as long as you want without worry. The insurance plans here will cover issues with:

• Trip cancellation
• Rental cars
• Medical emergencies
• Change fees
• Lost baggage

And for your peace of mind, the company is legit, and it’s underwritten by Jefferson Insurance Company and BCS Insurance Company, which have A+ and A- ratings consecutively. Allianz is also rated A+ by BBB.

Even better, the company’s coverage now includes the Epidemic Coverage Endorsement. This covers some of the COVID-19-related expenses and inconveniences.

And if that’s not enough, Allianz also has a mobile app – Allianz TravelSmart App. The app is designed to make your travel effortless, from planning to maneuvering through your trip. It gives you crucial safety updates and even helps you avoid traffic.

9. World Nomads Travel Insurance

Why travel with so much baggage in your mind about what might or might not go wrong with your trip? Why not let go and enjoy your trip knowing someone has your back?

Since 2002, World Nomads have been protecting, connecting, and inspiring independent travelers. They offer simple and flexible travel insurance and safety advice to help you travel. Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.

And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights, and recommendations from their global community.

Even better, even when you travel without the cover, you can still buy it midway through your trip. Additionally, you can make any claim online and get it sorted. World Nomads Travel Insurance offers coverage for things like:

• Trip cancellations
• Unexpected medical expenses
• Luggage and gear protection
• Emergency medical transportation

Also, depending on your chosen cover, the company may cover fun activities during your trip. This might include scuba diving , skiing, mountain biking, surfing, and bungee jumping .

Get a full review of World Nomads Travel Insurance to learn how it works.

10. TravelSafe Travel Insurance

Like many other travel insurance companies, TravelSafe is meant to help you have the best travel experience. Remember, the fun starts in your mind. And, if you are bothered during the trip, you’ll probably not enjoy it to the fullest.

This company wouldn’t miss the list when looking for the best travel insurance for seniors. Firstly, it offers various plans catering to all kinds of travelers. And secondly, it is legit, with a BBB rating of A+.

Established in 1971, TravelSafe is among the oldest travel insurance companies in the US. And over the years, it has evaluated and learned the travel market, crafting the best travel insurance for seniors and other travelers.  

So, when we say you are in the right hands with TravelSafe, it’s only the truth. The company offers covers for three types of individuals, including:

• Travelers – allowing you to get a cover in just 5 minutes
• Pros – This is for travel agents who wish to help their customers get more secure travel
• Golfers – a product made specifically for golfers and all their unique travel needs

No, matter the category you fall under, your travel is safe and worry-free with TravelSafe.

11. SquareMouth Travel Insurance

SquareMouth Travel Insurance is another travel insurance broker that helps you compare hundreds of policies and plans from various providers.

With 99 plans from 22 insurance providers, you surely can’t lack one that matches your travel needs. Even better, the site features numerous customer reviews, helping you to learn from previous travelers.

All you need here is to enter your travel details, including your travel destination and dates. After this, the site goes through numerous offerings from top brands to display the best policy covers matching your travel needs.

With SquareMouth Travel Insurance , you can choose from:

• Standard single-trip plans
• Annual or multi-trip covers
• Adventure and sports covers
• Cruise insurance plans

Their comparison engine is fast, allowing you to receive quotes from the best companies and buy a cover in just minutes. Also, the site’s assistance desk is always available 24 hours a day. This means that your emergency will be handled promptly no matter the time of the day.

12. IMG Travel Insurance

If you are a senior traveler over 65 years, you need IMG to have your back. While it appears last on our list, it’s not the least desirable travel insurance provider.

The company has specially tailored two GlobeHopper Senior covers, offering seniors affordable travel medical insurance plans. These two plans help bridge the wide gap in senior travel insurance. The plans include the following options:

• GlobeHopper Senior Single-Trip – for single trips lasting between 5 days and 12 months.
• GlobeHopper Senior Multi-Trip – for frequent senior travelers who don’t want to keep purchasing a new cover whenever they want to travel.

These plans help seniors meet their international travel insurance needs and ease their travel burden. They are made to cater to the following:

• Visitors and immigrants
• Employers and business travel

And lastly, IMG has customer service reps ready for you any time of the day or night.

13. AARDY Travel Insurance

When searching for the best travel insurance plans and rates, AARDY is an excellent place to look. However, you must note that AARDY isn’t an insurance firm but a travel insurance marketplace or broker. And that’s even better.

AARDY offers the best platform to explore the various travel covers and plans in the market. This way, you can choose a plan that meets your travel needs and that is within your budget.

AARDY works almost the same way as Amazon. Instead of browsing hundreds of company websites, AARDY combines all these websites under one platform. And, before this, they will have already done the comparison themselves, displaying only the best covers to you.

So, if you are looking for the best senior travel insurance plans , look no further. As they’ve said, you’ll not get another better deal than the ones on AARDY. Generally, the platform has partnered with numerous travel insurance providers. And by doing so, they ensure that you get the best state-approved rates.

The one thing I love about AARDY is that you also get numerous reviews from previous travelers. This way, you know what to expect, even before seeking their services.  

Like what you are hearing? Read more in our full AARDY travel insurance review .

See Related: RoamRight Insurance Review

What Does Senior Travel Insurance Offer?

Travel, whether business or leisure, is prone to eventualities. And while everyone hopes to have the best trip or travel, things sometimes happen.

Travel insurance is meant to cover any unplanned occurrences when planning a trip. This way, you, your items, and your money are safe. When picking a travel insurance policy, ensure that it covers the following.

1. Trip Cancellations

Sometimes, you cannot go on that trip, even after planning it. Something just came up. This can be due to personal reasons or other unprecedented circumstances such as bad weather.

A travel insurance policy can help you get a refund in case the trip is canceled or there is some trip interruption. This way, you don’t end up losing your money.

2. Baggage Loss or Damage

Your travel luggage is important to you. They contain all your essentials and valuables for the trip. Unfortunately, they are also prone to get lost or damaged, especially during flight or transit.

A good travel insurance policy will cover the loss or damage of your baggage and even replace them if need be. Whether a senior citizen or a young traveler, this will certainly offer some peace of mind.

3. Medical Emergencies

This is one of the most important reasons for a travel insurance policy, especially for senior citizens. No one knows when they might fall sick or get injured while on a trip. But with a good cover, you can be sure of getting the best medical attention, and you won’t have to worry about the bills.

Some travel insurance policies will also cover emergency medical evacuation if you need to get back home urgently due to a health issue.

4. Pre-Existing Conditions

This is a common exclusion in many travel insurance policies. A pre-existing condition is any medical problem you had before buying the policy. It could also be a new diagnosis made before or after booking your trip but before buying the policy.

Some of these conditions include cancer, heart disease, diabetes , asthma, and pregnancy (in some cases). If you have a pre-existing condition, it’s important that you disclose this to your insurer when getting travel health insurance. Some insurers might cover the condition while others won’t.

Some will cover the condition but at an extra cost. It is important to read the fine print of any policy before buying.

5. Travel Advice and Emergency Assistance

Travel advice is another very important benefit of having a travel insurance policy, especially for senior citizens. In case of an emergency, you can contact your insurer, who will then provide the necessary assistance.

This could be in the form of legal advice, medical advice, or even evacuation services. The best travel insurance companies will have a team of experts who are always on standby to offer assistance when needed.

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The Best Travel Insurance for Seniors in 2024

On This Page

• Key Takeaways

Our picks for the best travel insurance for seniors in 2024

Recommended coverage for senior travelers, how much does senior travel insurance cost, how to reduce the cost of travel insurance for seniors, how to compare travel insurance for seniors, travel insurance for seniors frequently asked questions (faq).

• Our readers also like

Related topics

• Age is the number one factor that influences the cost of travel insurance, so seniors pay a slightly higher premium than younger travelers .
• Many seniors’ travel insurance plans don’t have an age limit, so there are plenty of options for buying travel insurance over 70 and into your 80s & 90s .
• Some companies offer specific travel insurance plans for senior travelers which can cover pre-existing conditions and are quite affordable.
• Based on our research, the best travel insurance plans for seniors are from Seven Corners, Generali, Tin Leg, Trawick, AEGIS & FAYE . ( skip ahead to view these plans ).

Our Best-selling Plan for Seniors

Seven corners, why we like it.

Editor's take

Seven Corners Trip Protection Choice is our top-selling plan among seniors.

This plan has no upper age limit and comes with extremely high primary medical coverage limits, meaning the insurance company will pay medical bills for you so you won’t have to pay out of pocket and wait to be reimbursed.

You’ll be covered for up to $500,000 for medical treatments and up to $1,000,000 for medical evacuations and repatriations to the US.

This plan can also cover pre-existing conditions if you meet the waiver criteria, making it a strong choice for senior travelers with pre-existing health conditions.

Apart from this, it comes with comprehensive coverage for trip cancellations and interruptions, travel delays, lost baggage, and more.

There are many reasons to love this plan!

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Budget-Friendly Coverage

Generali global assistance.

The Standard plan from Generali Global Assistance is a top choice if you’re seeking a cost-effective way to protect your trip. What sets this plan apart is its budget-friendly nature, making it accessible to a variety of travelers. Despite the cheap price, this comprehensive plan still offers luxurious perks and benefits and you are protected throughout every step of your journey.

To start, the Standard plan comes with comprehensive secondary emergency medical coverage with limits of $50K per person and medevac & repatriation coverage of $250k per person. While these limits are a bit lower than other plans and offer secondary coverage, they are great for travel within the U.S. or to neighboring countries. Note: the secondary medical coverage means you will be asked to pay the bills first and wait for reimbursement, therefore this plan is ideal for domestic travel or as a supplementary plan to your existing U.S. health insurance while you travel.

Highlights of medical coverage include:

• Emergency medical and dental assistance
• Medical treatments relating to COVID-19
• Medical Evacuation
• Accidental death & dismemberment while flying (exceptionally high coverage)
• Repatriation

Trip Cancellation and Trip Interruption coverage also come standard with this plan. If you need to cancel your trip for one of the covered reasons, you can receive reimbursement for 100% of the trip cost, or up to 125% of the trip cost if your trip is interrupted.

Examples of covered reasons for cancellation include:

• Medical Reasons / Covid-19 Sickness
• Weather conditions / Hurricanes
• Employment Layoff

Other notable benefits include coverage for your pet travel companion, travel delays, missed connections (for cruises and tours), identity theft while traveling, baggage delay/damage/loss, and emergency assistance and transportation. With this plan, you have free access to worldwide 24-hour emergency phone support and concierge services that can help book events, tours, restaurants, rental cars, offer advice, organize pick-ups, etc.

Whether you need assistance with medical emergencies or require guidance during your travels, the Generali Global Assistance team is ready to help. For added peace of mind, Generali Global Assistance offers a 10-day Money Back Guarantee.

What you won’t get standard with this plan is an extension of coverage if you are delayed or fall ill while traveling, reimbursement for rental car damage, or coverage for sports or adventure activities. However, you can pay extra to customize your plan with optional coverage add-ons to include coverage for Cancel for Any Reason and Interruption for Any Reason.

Read our full review

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Emergency Medical Coverage

The Tin Leg Gold plan continually ranks as one of the cheapest policies but offers high medical benefits and comprehensive cancellation coverage. This plan is specifically designed for travelers who want coverage for a bit of every scenario while traveling. However, it places high importance on your health while traveling.

The Gold plan’s impressive medical coverage includes a $500,000 limit for both primary emergency medical assistance and medical evacuation assistance – ensuring you can get the treatment you need and are returned home safely should anything happen while away. Best of all, the primary coverage means no deductibles or out-of-pocket expenses. Tin Leg will pay the bills for you.

Another major highlight of the Gold plan is its coverage of Pre-Existing Conditions. If you purchase Tin Leg Gold within 14 days of booking your trip and insuring the full trip cost, pre-existing conditions will be covered under the plan limits. This makes the plan great for older travelers or those who may have a flare-up.

At a glance, the following medical coverage comes standard:

• Emergency medical assistance
• Medical evacuation & repatriation
• Accidental death & dismemberment
• Medical coverage for COVID-19 sickness
• Pre-existing conditions (when meeting waiver criteria)
• Sports & adventure (exclusions apply)

The great coverage doesn’t stop at solely medical care. Another strong suit of the Tin Leg Gold plan is the Cancellation coverage which can reimburse you for up to 100% of the trip cost if you cancel or 150% of the trip cost if your travel is interrupted – due to reasons included in the policy.

Examples of some covered reasons for cancellation include:

• Medical reasons
• COVID-19 sickness
• Inclement weather

Other notable travel benefits that manage to cover a bit of everything include coverage for:

• Travel Delays
• Missed Connections
• Baggage delay/damage/loss
• Sports gear/equipment delay/damage/loss
• Optional Cancel For Any Reason cover

However, if travel delay & baggage coverage are extra important to you , it’s good to note that this plan has lower limits for reimbursement than other plans on our list when it comes to these scenarios. That said, it also offers higher medical limits at a fraction of the price of other providers. So, it’s up to you and your needs.

With a 14-day money-back guarantee and 24-hour travel assistance service, Tin Leg Gold goes above and beyond to ensure customer satisfaction and support. This policy truly stands out as a top choice for travelers who prioritize their well-being and want comprehensive coverage for their trips.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Great Mid-level Plan for Healthy Seniors

Trawick international.

Several of Trawick’s plans rank among our top-selling plans, but the Safe Travels Protect is Trawick’s most popular plan among seniors. It’s a solid middle-of-the-road plan that can cover you in most travel scenarios.

This plan is ideal for healthy seniors as it has lower medical coverage limits of $25,000 for treating accidents and illnesses that occur while you’re away. While this may not be enough for some more expensive health interventions, this plan has strong Medical Evacuation coverage of $250,000 that can repatriate you to the United States to a suitable hospital where your primary healthcare can take over.

This plan also offers up to 100% reimbursement for trip costs for cancellations and interruptions as outlined by the policy. You’ll get coverage for travel delays, baggage delays, lost personal items, and missed connections.

Note that this plan doesn’t cover pre-existing conditions and has a lookback period of 180 days.

Cheapest Coverage

We recommend the AEGIS GoReady Choice plan which offers coverage for trip cancellation, medical visits, emergency evacuation, baggage delay, accidental death, repatriation, and some sports accidents. This also includes coverage for situations like COVID. For example, you can also extend your trip up to 7 days if you end up having to quarantine.

AEGIS is a budget provider but offers solid plans for people who want travel insurance but need to reduce the cost. Seniors often fit this category as age can increase insurance premiums to levels that may break your budget.

One way AEGIS is able to offer cheaper plans is through offering secondary medical coverage. This means you’ll be asked to pay the initial medical bills and file for reimbursement. Although this may seem inconvenient, choosing this option can end up saving you hundreds on your travel insurance premium.

• One of the cheapest providers around
• Comprehensive coverage on a budget
• Strong cancellation & interruption coverage
• Optional upgrade covers pre-existing conditions
• Secondary medical coverage (not primary)

Strong Coverage & Easy to Use

Faye Travel Insurance

Faye is a newer provider that offers great travel coverage that is completely customizable. The coverage limits are high, and it’s well-known for how easy it is to buy and manage your plan through Faye. 

Faye boasts strong medical insurance that includes coverage for pre-existing medical conditions when you book within 14 days of your initial trip deposit. The lookback period is around six months (180 days). You will also love how easy it is to manage your booking and file a claim.

Faye offers an app-based service providing a streamlined user experience. The claims process is known for being one of the fastest around, and Faye is quickly growing to be a major contender and disruptor in the travel insurance game. 

Read our full Faye Travel Insurance review

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Why seniors need travel insurance

Senior citizens can benefit the most from travel insurance given their advanced age and increased risk of illness and injury.

• Senior travelers are more likely to become ill or injured while away from home , just as they are more likely to have pre-existing medical conditions that could flare up. Travel insurance can cover you for pre-existing medical conditions, pay for you to be treated while away or send you home to a hospital of your choice.
• Additionally, Medicare and Medicaid programs don’t cover you while traveling abroad. This means without a travel insurance plan, seniors run the risk of having to pay out of pocket for any medical treatment received while abroad. This can add up quickly depending on the severity of your ailment.
• Lastly, travel insurance can reimburse you for the total cost of your trip if need to come home early or cancel your trip altogether. These coverages are especially beneficial to seniors who are statistically more likely to use them.

Do seniors on Medicare need travel insurance?

In most cases, Medicare and Medicaid will not cover you outside of the US , so it’s important to purchase a travel insurance policy that will cover you during your vacations abroad.

However, there are rare occasions where Medicare may cover you for any medical treatment you receive in a foreign country, these include:

• You are traveling through the US when a medical emergency occurs and a foreign hospital is closer to you than the nearest US one.
• You are traveling through Canada by the most direct route between Alaska and another U.S. state and a medical emergency occurs. A Canadian hospital is closer than the nearest US hospital which can treat your emergency.
• You live in the US but a foreign hospital is far closer to your home than a US hospital.

For senior citizens taking a cruise, your Medicare may cover you if the ship is within 6 hours of a U.S. port. However, if the ship is further than 6 hours, you will not be covered - this is where a travel insurance policy can help.

Although the Medigap policy is designed to cover emergency medical care that you get outside the U.S., it is not without its drawbacks. This is seen especially in Medigap’s lifetime limit of $50,000 - costs can often run into the hundreds of thousands and having a comprehensive travel insurance policy can help cover the cost of any expensive medical bills.

Does travel insurance cover seniors with pre-existing conditions?

Certain travel insurance policies are made to cover people with pre-existing conditions. Generally speaking, to qualify for the pre-existing medical condition exclusion waiver you should buy your plan right after your first trip deposit.

On average, senior citizens are far more likely to have underlying health problems and pre-existing conditions which could flare up on a trip. Ensuring your policy has a pre-existing medical condition exclusion waiver will remove any exclusions for illnesses or conditions you already have.

You can read our full guide to travel insurance for pre-existing conditions here .

Here are some of the top picks for plans that cover pre-existing conditions for seniors:

• Generali Global Assistance Premium
• Seven Corners Trip Protection Choice
• Tin Leg Gold

We recommend the following coverage for senior travelers:

• Emergency travel medical coverage of at least $250k for trips abroad
• Medical evacuation coverage of at least $250k

Coverage for pre-existing medical conditions

• Repatriation of remains in case of death
• Trip cancellation and interruption coverage

Optional coverage to consider:

• Cancel for Any Reason coverage (optional)
• Annual travel coverage (optional)

Let’s have a look at each of these in greater detail.

Travel medical insurance coverage ($250,000+)

Since US health insurance (including Medicare and Medicaid) doesn’t usually work abroad, it’s important to buy adequate medical coverage. Having a medical emergency away from home can be incredibly costly, and that’s especially true if you require hospitalization, surgery, or long-term treatment and rehabilitation. Due to the increased probability of needing complex medical interventions, we suggest that seniors opt for policies that come with at least $250,000 in coverage for medical care . Most travel insurance plans now include standard protection for COVID-19-related treatments or hospitalizations, as well as insurance that pays for quarantine if you’re required to isolate during your trip.

Medical evacuation coverage ($250,000+)

We also recommend having at least $250,000 in coverage for medical evacuation . This type of coverage ensures you make it to a facility where you can receive adequate treatment. This even means flying you back to the US for treatment at a hospital of your choice. That said, being transported in a plane, a helicopter, or an ambulance to the nearest hospital or clinic can become costly when paying out of pocket. This type of coverage typically includes the repatriation of remains if you or a travel companion pass away while traveling.

Note: this coverage is especially important for seniors planning a cruise vacation . Not all cruise insurances cover medical evacuation, so it’s best to check before buying.

it’s extremely important to know ahead of time what is and isn’t covered under your plan. If you have recently recovered from a medical condition or you have a chronic disease that requires ongoing care, you’ll want to look for a travel insurance policy that offers coverage for pre-existing conditions. Not all travel insurance covers pre-existing conditions, so make sure you read the fine print.

Insurance for repatriation of remains

Coverage for the repatriation of remains is essential if you or your travel companion unexpectedly dies during a trip. For example, this type of coverage can help pay for transporting the body back to the US from the UK . It can also pay for a basic casket used for transport, as well as third-party air and ground shipping expenses. While you may not end up using this coverage, you will likely wish you had it in the event that you need it.

Optional cancel for any reason (CFAR) coverage

Your insurance company may also offer Cancel for Any Reason protection as an optional add-on to your plan. This type of coverage will make your travel insurance policy cost more, but it lets you cancel for any reason at all and get between 50% and 75% of your pre-paid, non-refundable travel expenses back.

Optional annual insurance plans

Annual travel plans are particularly well-suited for retirees and seniors who travel frequently. Annual travel insurance plans cover multiple trips to multiple destinations for a full calendar year from the date the policy begins. If you travel regularly, this type of coverage can often work out cheaper than getting several single-trip policies for each trip you take.

The average cost of travel insurance for senior travelers depends on various factors such your age, destination, trip length, trip Cost, pre-existing health conditions, plan upgrades, and more. However, age is the number one factor.

Here is a look at the average cost of travel insurance for seniors over 60 based on sales data from the past year*.

*Internal sales data from LA Times visitors that purchased travel insurance from 09/2023 - 09/2024

Age is the number one factor that causes travel insurance premiums to increase in price. The older you are, the more expensive you are to insure. It’s not unheard of for some travel insurance to cost seniors upwards of $1,000 per person. Therefore, it’s important to understand how you can reduce the cost of your travel insurance premium by adjusting a few variables.

Here are a few tips on how to save money on travel insurance for seniors:

Select secondary medical coverage

Medical coverage comes in two forms, primary coverage and secondary coverage. Primary coverage pays the medical bill directly for you whereas secondary coverage requires you to pay the bill and request a reimbursement from your insurance provider. Although primary coverage is more comfortable, you can save hundreds on a travel insurance policy by foregoing primary coverage and opting for secondary coverage instead.

Forego trip cancellation reimbursement coverage

When buying a travel insurance policy, you’ll also have the option to choose trip reimbursement coverage. This means if you cancel or cut your trip short, you may be eligible to receive a refund for the cost of your trip. While this coverage is extremely beneficial to have as a backup, it’s also expensive. Opting for trip cancellation coverage typically doubles the cost of your travel insurance policy, and in some cases, it can even triple the cost. Therefore, opting out of trip reimbursement presents a great opportunity to reduce your travel insurance premium by 50% or more.

Opt for lower medical / medevac limits

Medical insurance is arguably the most important type of coverage for senior travelers who are at higher risk for illness and injury. Therefore, it’s important to make sure you have high enough limits for potential medical emergencies and medical evacuations without going overboard. Opting for excessively high limits can make your policy prohibitively expensive. Therefore, we recommend opting for just enough coverage without exceeding your needs as a means to reduce the overall cost of your travel insurance policy. Keep in mind that $250,000 of medical coverage and $500,000 of medical evacuation coverage is likely enough for most travelers and destinations.

Here are some tips to help you choose the best protection for your trip:

Use a comparison tool to help you choose

Using a travel insurance comparison website is the best way to compare multiple travel insurance plans from different travel insurance companies side-by-side. You’ll want to compare at least three or four travel insurance plans before you make your decision. Not only can a comparison site let you see the kinds of coverage that may be available to you, but it can help you understand pricing so you can make your decision. Our comparison tool makes it especially easy to compare plans all in one place.

Look for age restrictions

Check the restrictions on the travel insurance plans you are considering. Age restrictions and pre-existing health conditions are two of the most important factors to check when buying seniors’ travel insurance. Although most companies will let you purchase any plan at any age, some may limit coverage to individuals who are under the age of 75. Travel insurance for seniors over 80 isn’t out of the question, yet there are limited polices for those of a certain age bracket.

Check your existing coverage and avoid overlaps

Before you invest in a travel insurance policy, you should look at the coverages you already have. For example, if you’re on Medicare and are traveling close to home, you should already have medical insurance coverage in all 50 states as well as in U.S. territories.  Credit card coverage can also be useful if you used the card to pay for major components of your trip. Credit card travel insurance coverages and limits vary, but you may find that your card has some coverage for trip cancellations and interruptions, travel delays, and lost or delayed baggage that is enough for some trips. If you don’t have any the above coverages already in place or if you are a senior traveling internationally, opting to purchase travel insurance is often worth it to give you peace of mind.

Read the fine print and check for any exclusions

Finally, read over your entire policy from front to back including all disclosures to see if there are any restrictions that the company doesn’t emphasize. Many travel insurance policies come with a 10-day money-back guarantee, so you may be able to cancel your policy and get a refund if you don’t like what you see.

With all the options on the market, it can be difficult to make a decision and know if you are making the right one.

We researched all the  best travel insurance providers  to narrow down our shortlist of the best plans for seniors. Below you can compare coverage for the plans we mentioned above. Select the plan from the drop-down menu to compare coverage side by side.

Do I need travel insurance if I have Medicare?

Yes, medicare doesn’t work outside of the United States. Therefore, if you are headed abroad, you should buy travel insurance.

However, even if you plan to travel within the United States, you may want to consider buying travel insurance as it can cover many things that Medicare and Medicaid may not cover. Namely, travel insurance can cover trip delays, cancellations, interruptions, lost baggage, and more. Additionally, in some cases, the medical evacuation and rescue coverage on a travel insurance policy may be more comprehensive than relying on Medicare.

In short, we recommend buying travel insurance even if you have Medicare, especially if you plan to travel abroad where Medicare coverage does not exist.

Can you get travel insurance if you are over 75?

Yes, people 75 and older can still get travel insurance from most providers. In fact, you can typically buy travel insurance at any age, but plan options may be a bit more restricted.

This question may stem from the fact that some insurance providers limit certain plans to people under the age of 75 as a way of limiting their financial risk. However, the majority of companies do not have any age requirements. With this in mind, it’s always best to double-check the fine print before you buy.

Using a comparison tool can help you filter out policies based on the age of the traveler to ensure you find a plan that is suited for your age.

Lastly, buying a dedicated seniors’ travel insurance plan may be better than buying a traditional plan if you are over the age of 80 as it can often include coverage for pre-existing conditions.

Can seniors get a discount on travel insurance?

While senior citizens often get discounts on other services, the insurance industry is highly-regulated. Therefore, it’s generally illegal for providers to offer discounts on travel insurance. That said, there are many budget-friendly insurance plans which are available to virtually anyone. Some providers also offer specific plans tailored for seniors which can help you save some money if you are looking for a cheap senior travel insurance policy. Shopping around or using a comparison tool are the best ways to ensure you get a good deal on travel insurance.

Does travel insurance cover the death of an elderly parent?

Yes, most travel insurance plans will cover you if your parent passes away while you are traveling regardless of if they are traveling with you or not.

• Most trip cancellation and interruption policies allow you to annul your trip and receive a full reimbursement if a close family member suddenly passes away.
• Additionally, the repatriation of remains is often covered under medical evacuation insurance which can take care of returning the body of a loved one who unexpectedly passes away while traveling. This can include preparation of the body, a casket for transport, legal documents and fees passed on by airports and air carriers, and transportation to your home country for proper burial.
• Lastly, many insurance plans also include payouts for accidental death and dismemberment that may unexpectedly occur on a trip.

What’s the most important travel insurance coverage for seniors?

Senior travelers should ensure they have a travel insurance policy that offers emergency medical coverage, at a minimum. They should also consider coverage for any pre-existing conditions. Secondly, medical evacuation coverage is important as this will ensure they can be transported to a hospital free of charge.

Plans that provide medical evacuation usually come with basic emergency medical coverage included. However, there are cases where emergency medical plans don’t include evacuation coverage. Therefore, it’s a good idea to confirm this before buying.

Which travel insurance is best for senior citizens?

We recommend getting a plan for seniors that includes travel health insurance, medical evacuation insurance that includes repatriation and Cancel for Any Reason insurance. This will ensure you are covered for health treatments, emergency transport to a hospital, repatriation in case of death, and canceling your trip for any reason whatsoever. Ultimately, the best travel insurance plan for seniors will depend on the types of coverage you need the most, where you are traveling to, and other specifics of your trip. Keep an eye out for any age-related exclusions when you buy, as well as pre-existing conditions.

What is the best travel insurance for seniors over 70?

Anyone over the age of 70 should look for health insurance that works in their country of destination, as well as medical evacuation coverage and insurance for repatriation of remains. These types of international travel insurance for seniors are suitable for people who may be prone to health emergencies. As an added benefit, Cancel for Any Reason insurance could be useful to add in case you need to cancel your trip for unexpected reasons.

Does AARP offer travel insurance?

AARP doesn’t offers comprehensive travel insurance, but it does offer a slight discount on MedJet Assist’s medical transport service. AARP also offers traditional health insurance plans through UnitedHealthcare that can help cover you for health-related claims if you are traveling within the US.

For more information, check out our full AARP travel insurance guide .

About the Author

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Compare Over 80's Travel Insurance

Compare over 80’s travel insurance.

At Just Travel Cover, we understand that finding the right travel insurance policy can be challenging, especially for those over 80. That’s why we’ve created this platform to help you compare and find the right travel insurance policy that meets your needs and budget.

Our panel of insurers allows us to compare policies and offer comprehensive coverage for people over 80. Our easy-to-use comparison tool lets you compare a range of travel insurance policies from reputable providers, all in one place.

Our policies provide comprehensive coverage for medical expenses, trip cancellations, lost or stolen luggage, and more. We specialise in covering pre-existing medical conditions, ensuring that you have the right coverage for your individual needs.

We understand that everyone’s travel needs are unique, so we offer a range of policies to cater to different types of travellers over 80, whether you’re planning a one-off trip or you’re a frequent traveller.

Use our comparison tool today to find the right travel insurance policy for your next trip and enjoy peace of mind during your travels.

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Compare Over 80’s Travel Insurance FAQ’s

Frequently asked questions about comparing Travel Insurance for Over 80’s.

How do I compare travel insurance policies as someone over 80?

Our easy-to-use comparison tool allows you to compare a range of travel insurance policies from reputable providers, all in one place. You can enter your travel details and personal information, and we’ll provide you with a list of policies that meet your needs and budget. You can then compare the policies side-by-side to find the right one for you.

What should I look for when comparing travel insurance policies as someone over 80?

When comparing travel insurance policies as an over 80s traveller, it’s important to consider factors such as your age, destination, length of your trip, and any pre-existing medical conditions you may have. It’s also important to choose a policy that provides comprehensive coverage for medical expenses, trip cancellations, and lost or stolen luggage. Our comparison tool makes it easy to compare policies and find the right one for you.

How do I know if a travel insurance policy provides coverage for my specific needs as an over 80s traveller?

Our comparison tool provides a detailed breakdown of the coverage provided by each policy, including coverage for medical expenses, trip cancellations, and lost or stolen luggage. Be sure to check the policy details and speak with our customer service team if you have any specific questions or concerns about the coverage provided.

Can I purchase travel insurance for multiple trips as an over 80s traveller?

Yes, we offer policies that provide coverage for multiple trips throughout the year. Our annual policies are designed to provide comprehensive coverage for frequent travellers, including those over 80. Be sure to check the policy details to ensure that the coverage meets your needs for multiple trips.

Cover for hundreds of medical conditions

Travel Insurance claims are at an all-time high and the majority are to support the 3,000 people per week* who need emergency medical treatment abroad.

Declare your conditions and ensure your policy covers your pre-existing conditions.

Cover for Pre-Existing Medical Conditions

• Emergency medical, hospital and medical expenses up to £15m
• Repatriation (the cost of getting you home)
• Emergency dental care
• Accommodation expenses
• 24 hour medical assistance line

We Compare Prices From These Insurers

Compare Travel Insurance with medical conditions easily with us. We diligently compare various options, helping you find the best Travel Insurance with medical conditions tailored to your needs. Click here to download the Policy Wording and Insurance Product Information document for all insurers. In the event you are unable to find a suitable product from our panel of multiple providers, you can find contact details of some additional Insurers who specialise in travel insurance for people with serious medical conditions here , or call 0800 294 2969 for more information.

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Travel Insurance For Over 80s

We cover all pre existing medical conditions and much more:

Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.

What is Over 80s Travel Insurance – and do you need it?

Over 80s Travel Insurance is designed to cover you for a variety of risks related to travelling at an older age. As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation. 

Here are a few reasons to get your over 80s Travel Insurance with AllClear:

• The joy of travelling worry-free: With AllClear, you can travel confidently knowing you’re protected every step of the way. From trip cancellations and lost baggage to specialist medical cover around the world, you can travel with peace of mind, focusing solely on the enriching experiences of your trip
• Specialist medical cover: We have over 20 years of experience as Medical Travel Insurance specialists, covering 1,300 different medical conditions, including common pre-existing conditions like high blood pressure , cancer and diabetes .
• Repatriation cover: If you don’t have repatriation cover and you need an air ambulance back to the UK, this could cost you anywhere between £10,000 to upwards of £50,000 . You’d then need to add the expense of any medical treatment on top of that. Our Over 80s Holiday Insurance can cover you for these costs.
• No upper age limit: Whether you’re booking a Single Trip policy or travelling with family and friends, our policies have no upper age limit. This means we can offer you tailored Travel Insurance for your 80s and beyond.

What does AllClear’s Over 80s Travel Insurance cover?

Travelling in your 80s doesn’t have to be stressful or difficult, it should be invigorating and exciting. 

Our Over 80s Travel Insurance policy covers everything included in our standard Travel Insurance policy, with no upper age limit.

What’s covered?

• Medical expenses – We can cover emergency medical treatment you need while travelling. This includes any pre-existing medical conditions you’ve declared
• Medical aids – We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence
• Medication – If you lose your prescription medication during your trip, we will cover and help you replace it
• Repatriation – This covers the cost of emergency medical transport back to the UK, which could otherwise cost tens of thousands of pounds
• Lost luggage – We will cover the cost if your baggage is stolen or damaged, so you can replace your important items
• Cancellation and curtailment – Provides cover if you have to cancel your trip due to reasons beyond your control
• Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted

What’s not covered?

• Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
• Missed flights within your control – Unfortunately, we can’t cover missed flights due to personal errors
• Choosing not to travel – We know that sometimes plans change, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
• High-risk activities – Our standard policy doesn’t cover these activities, but you can add Optional Extras to include some activities.
• Accidents under the influence of drugs or alcohol – While we want you to enjoy your trip, safety comes first. If an accident occurs due to drugs or alcohol, we cannot cover your claim

Our different policy types can be found below. We have three different types to choose from, Gold, Gold Plus and Platinum. 

If you’d like some help choosing which is best for you, give us a call .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Over 80s with pre-existing medical conditions

We understand that finding travel insurance in your 80s can sometimes be difficult. This is typically because the risk of insuring older travellers is higher. Existing medical conditions are more common, and these can lead to a higher risk of travel-associated issues like infections and injury. 

However, as a specialist medical Travel Insurance provider for travellers 80 and over, we can help you find a policy tailored to your specific needs.

Here are some of the most common medical conditions we cover:

• Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
• Chronic illnesses – According to NCOA research, nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , IBS, gallstones and other long-lasting chronic conditions.
• Respiratory problems – Respiratory conditions include asthma , causing breathing difficulties, and COPD , leading to airflow obstruction and breathing difficulties.
• Neurological conditions – These are disorders affecting the brain and nervous system, like strokes , epilepsy and multiple sclerosis .
• Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes .
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis .
• Mental health – Including anxiety and depression.

Find the best over 80s Travel Insurance for your trip

We tailor policies to suit your travel needs. Whether you’re off to enjoy a cruise across the Caribbean or a staycation with your family in Cornwall, we’ll help you find a policy suited to your needs. 

Here are a few options to help you choose what you might need:

• UK Travel Insurance is ideal if you’re looking to enjoy the UK’s stunning holiday offerings. This type of policy covers you for things like cancelled accommodation and travel delays
• Cruise Travel Insurance keeps you protected from all medical emergencies and accidents onboard. It also covers you for cruise disruptions, cabin confinement and missed port departure
• Family Travel Insurance covers you, your friends and your family under a single policy. This means complete protection for everyone involved
• Worldwide Travel Insurance is what you need to protect you for all the essentials, wherever you travel
• Annual Travel Insurance is popular among older travellers. If you’re planning on more than one trip within 12 months, Annual Travel Insurance can be a cost-effective option
• We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and more.

How our Travel Insurance for Over 80s works: A simple 3 step quote process

Before you set off on your travels, you’ll need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our experts say…

“Travel insurance is a must-have for anyone who wants to explore the world, but especially for over 80s. You can cover yourself for unexpected medical expenses, trip cancellation, lost luggage, and more. Travel Insurance can also give you peace of mind and confidence to enjoy your trip without worrying about what might go wrong. You never know when you might need it, so it’s better to be safe than sorry. Travel insurance for over 80s is affordable and easy to arrange.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

We have over 20 years of experience as specialists covering older travellers, and we’re confident we can find a policy that suits you. 

Hear from those who have already discovered and travelled with AllClear.

What our Customers Say

Excellent and reassuring service.

“As I will be 80 later this year, the travel insurance I have with my bank will no longer apply. So, I needed to secure another comprehensive policy for a future cruise. I had been recommended AllClear by fellow cruisers; who in their own words have significant medical conditions. I have now arranged an AllClear policy and would like to place on record that the service I received from Liz was absolutely first class. She explained everything and updated a previous quote which I had obtained on-line. She was patient and gave me all the time I needed.

This gave me the confidence that I was dealing with a quality organisation. I had previously been concerned that it would be difficult and expensive to obtain insurance at my age and with my medical history. I am fit but have had past operations and treatments; and still need eye treatment. I need not have worried. AllClear is geared up to welcome the ‘mature’ traveller. I highly recommend this company.” – Simon

Unfortunately, the cost of Travel Insurance usually increases with age. This is because older people are more likely to need emergency medical treatment on holiday. Over 80s are also at a higher risk of infection or injury when travelling. 

So, premiums increase to cover the higher risk.

We do not have an upper age limit for Travel Insurance.

Over 80s Travel Insurance covers everything included in our standard Travel Insurance policy, with no upper age limit. This includes everything from specialist emergency medical cover for seniors, as well medical aids, medication and repatriation cover.

It also includes standard things like trip cancellation, travel delays, baggage loss and personality liability protection.

As with any policy, you can get your over 80 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. However, it’s beneficial to buy your Travel Insurance as soon as you book your trip.

You can buy Single Trip Travel Insurance up to 12 months before your trip. The cover begins immediately after purchase if you have chosen a policy that includes cancellation cover.

You can buy Annual Travel Insurance up to 60 days before your chosen start date. Cover will only begin on the chosen start date of your policy.

Yes, Over 80s Travel Insurance is essential, even if you have a GHIC or (previously EHIC) card. 

While a GHIC card does provide cover for medical emergency expenses, it will not cover transport to the hospital. 

Additionally, a GHIC card will not cover you for travel delays, cancellations or lost luggage.

Age and medical conditions are two of the important factors we take into account when determining your premium. 

Other factors include the destination, duration of the trip, level of cover, and any pre-existing medical conditions you have declared.

Yes, you can travel in a group of all ages, whether that’s friends or family. This can be done through our Group Travel Insurance policy during your quote process.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following locations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip

• United Kingdom
• Cruise Travel Insurance
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 6 August 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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