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Travel insurance for seniors

Whether it’s sailing away on a round-the-world cruise, or visiting family and friends on distant shores, senior travellers enjoy living their life to the fullest.

With our comprehensive travel insurance for seniors, you can live yours too. Finding the right travel insurance when you’re over 65 is a must-do. It’s vital you have cover in place for your holiday from unexpected events and includes cover for medical expenses, luggage, trip cancellation and more. Be sure to declare any pre-existing medical conditions as this could affect the cover you receive.

What we cover

Travel insurance is an important item for any holiday. But for older travellers, finding the right policy can be a confusing tangle of pre-existing conditions, age limits, cover restrictions and additional premiums.

Thankfully, our range of policies can give you the peace of mind knowing that we’re here to help if the unexpected occurs.

Holidaying overseas?

Our International Comprehensive insurance offers cover for:

• Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental car excess should you have an accident
• Emergency dental treatment
• Funeral costs

Taking more than one overseas trip this year?

Sometimes one overseas trip per year just isn’t enough! Our Annual Multi-trip  policy covers you for an unlimited number of return journeys for a year – which often works out cheaper than taking out individual policies for each trip.

When buying your policy, you will be asked to enter the destinations you’re planning to travel to. If you decide to add another destination to your annual itinerary that isn’t on your policy, get in touch so that we can consider adding it on to your policy. Depending on where you’re travelling, you may need to pay an additional premium.

Under our Annual Multi-trip policy, you can choose cover for trips that last up to 30, 60 or 90 days.

Benefits covered are similar to our single-trip policy, but be sure to check our Annual Multi-trip is right for you before making your decision.

Heading overseas and just need your health covered?

If you’re after peace of mind for medical emergencies, our International Medical Only policy  offers cover for:

• Medical treatment
• Doctors visits
• Prescribed medication
• Specialist treatment
• Medical transport costs

Staying local?

Domestic insurance is essential for covering you when travelling your own backyard, whether it’s a weekend city break or a month-long road trip.

Our Domestic insurance includes cover for: 

• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey 
• Damaged or lost baggage 
• Personal items if they are stolen or damaged 
• Rental vehicle excess 
• Pet services 
• Childcare expenses 
• Funeral costs 

You can also select to pay an additional premium for cover for domestic cruises. 

Our travel insurance policies provide access to our worldwide Emergency Assistance team  who are just a phone call away, and available 24 hours a day, 7 days a week.

Travel insurance for seniors with pre-existing medical conditions

We consider a  pre-existing medical condition  as any illness or injury of any person named on your Certificate of Insurance, which that person should be aware of. You can add your pre-existing medical conditions when getting a quote from us.

It is important to check the terms of your policy for information about our definition of pre-existing medical conditions, excesses, sub limits, exclusions, and other terms and conditions.

Do pre-existing medical conditions affect the price of my policy?

In a nutshell, yes. Seeking cover for pre-existing medical conditions will affect the price of your travel insurance policy. Any additional costs are displayed to you before you buy your policy, so you can choose whether or not you wish to pay the additional premium.

To find out more about pre-existing medical conditions, including when you must declare your conditions, you can read our Product Disclosure Statements for each policy here .

Remember, overseas medical emergencies can be astronomically expensive for uninsured travellers, as  some of our highest medical claims  show. So, declare your pre-existing medical conditions so you know if you're covered.

Seniors' travel insurance for overseas cruises

Cruises are a great way to explore exotic and exciting locations with premium comfort and convenience. But whether it’s a misplaced bag or a bout of the flu, there’s still the risk of something spoiling your trip.

The good news for seniors is that you can add-on cover for overseas cruises to our International Comprehensive policy.

If you’re embarking on a cruise holiday, remember to:

• Select cover for all of the destinations you’ll be visiting on your cruise.
• Start your policy as soon as you’ve booked your cruise, so your cover is in place for unexpected cancellations and illnesses before you leave.
• If you plan to enjoy any adventure sports or activities on your trip, check the Product Disclosure Statement to see if they’re covered.

Seniors' travel insurance for domestic cruises

If you’re looking to take to the water but would prefer to stay local, a domestic cruise could be the perfect alternative! Domestic cruises are often shorter in length, and you get to experience the beautiful Australian coastline and waterways.

You can select the option to cover your domestic cruise when purchasing your policy.

Our Domestic insurance includes cover for:

• Rental vehicle excess
• Pet services
• Childcare expenses

Cover for seniors over 85

Some insurers don’t offer policies to people over 85. We believe that everyone should be free to experience the joy of travelling, no matter their age, which is why there is effectively no age limit for our International Comprehensive and Domestic travel insurance policies. In fact, our age limit is 118!

So if you’re over 85 and travelling overseas, you can purchase either our International Comprehensive or Domestic policy as long as you meet our eligibility criteria. You can view the relevant eligibility criteria here: International Comprehensive , Domestic  

Travel insurance tips for seniors

We know that finding the right policy for your holiday can be confusing. But with the right research, you can find great value cover that is suitable for your needs. When researching your travel insurance, remember to:

• Understand your pre-existing medical conditions and what they cost to cover.
• Look out for any age limits.
• Start your insurance as soon as you book your flights and accommodation, so your cover is in place for unexpected cancellations.
• Research customer reviews to find great quality cover.
• Be sure to check the coverage limits, as medical cover could be reduced for people over 70.
• Read the Product Disclosure Statements before you buy, to make sure you understand exactly what you are covered for and what you aren't covered for.

If you suffer from any illness or injury (symptoms included) after starting your insurance but before you travel, remember to notify us.

The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic . 

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Senior Travel Insurance

15% off travel insurance for Medibank and ahm health members

Get seniors travel insurance with Medibank

As we get older, we often travel more. With more free time, comes more opportunity to explore the best the world has to offer. And with more tours and travel experiences being curated for senior travellers than ever before, there’s never been a better time to go!

Existing medical conditions

Cover for some existing medical conditions like high blood pressure and allergies¹

$Unlimited overseas medical expenses

Cover for costs of overseas hospital treatment and medical evacuation² 

Rental car insurance excess

If your rental vehicle is in an accident, damaged or stolen you could be liable to pay an excess. We’ll provide cover up to $5,000 for a Domestic Plan and up to $6,000 for an International Comprehensive Plan. 

Cruise travel insurance

For an additional premium, you can add ‘Cruise Cover’ to your policy. You’ll need to take out cover if you’re going on a multi-night sea or ocean cruise in order to be eligible to claim for events arising from or related to cruise travel.³

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice Awards in 2022 & 2023 and Mozo's People's Choice Award in 2024.

Our travel insurance options

Whether you travel once a year or you’re a frequent flyer, you've got cover with single and annual multi-trip options.

International Comprehensive

Cover for overseas medical and dental emergencies, plus inclusions for unforeseen cancellations and valuables like laptops and cameras.

Domestic Travel Insurance

Cover for unforeseen cancellations, amendments and delays, plus up to $5,000 towards any rental car insurance excess for rental car damage or theft.

Annual Multi Trip

A Medibank Multi-Trip policy is a convenient way to protect against travel surprises. It provides comprehensive cover for international and domestic trips over 250km from home, or that include at least one nights paid accommodation. 4

21 day cooling off period: Receive a full refund if you change your mind within 21 days of the date of purchase, as long as you’ve not yet made a claim or departed on your journey. 

24/7 emergency assistance

Our team of experienced doctors, nurses, travel consultants and case managers are here for you, 24/7. 

If you need help finding appropriate medical treatment or you need to be medically evacuated, replacing lost travel documents or credit cards, our emergency assist team will help you out.

If you need emergency assistance please call +61 2 8907 5672

Seniors travel insurance FAQs

Is medibank travel insurance available to people over the age of 70.

Yes. Our intention is to cover as many people as possible. However, policy prices my increase in line with your age, and if you are 70 years of age or over, the availability of the plans may vary depending on other relevant factors such as the destination, trip duration and whether the policy is a Single Trip or Annual Multi-Trip policy.

Is there a seniors card discount with Medibank Travel Insurance?

Unfortunately, we don't offer a seniors card discount, but we do offer 15% off for  Medibank health members  and 20% to Medibank Priority health members.

Things you should know

1  Automatic cover for a limited number of pre-existing conditions outlined in the  Combined FSG/PDS . All other pre-existing conditions need to be disclosed at the time of application. Cover for conditions not automatically included is not guaranteed and subject to a medical assessment.

2  Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.

3   You must take out an International Plan and add Cruise Cover if you’re travelling on a domestic or international multi-night ocean or sea cruise to have any cover for the benefits under the policy (unless that cruise is entirely within Australian costal waters in which case a Domestic Plan may be purchased and no Cruise Cover variation is required). 

4 Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

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COVID-19 Health Assist - Expression of interest

Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.

What program are you interested in?

Sorry, only members with current Hospital cover are eligible to participate in these programs

Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here . Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331 .

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Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.

Travel Advice: Important information about cover for Coronavirus. Read more . View the latest travel warnings here .

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Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Seniors Travel Insurance

Here at InsureandGo, a multiple  award winning  travel insurance company, we provide travel insurance for seniors with competitive rates.

Our friendly and knowledgeable team is here to answer any questions you may have, and travel knowing that you are backed by an expansive 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance. Europ Assistance has a global presence in more than 200 countries, with a network of more than 750,000 assistance providers averaging 10 million assistance interventions every year. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

Get the most out of your holiday whether you’re caravanning around Australia or flying overseas. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. We recently received the  Canstar 2022 award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like  Product Review  and  Feefo  for unbiased customer feedback.

Why Travel With Us as a Senior?

Selecting a Seniors Travel Insurance Policy

Offering policies for domestic, single-trip international, annual multi-trip international, and cruise travel, you can be assured to find the right product for your next holiday. We provide coverage for seniors up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age). This affordable and quality cover has made us a great option for seniors over 65.

There is no need to search for a specific Seniors policy. Simply select the trip type that best describes your journey in the quote box above when you request your instant quote. You’ll be presented with 3 levels of cover where you can compare the products and their quotes.

Pre-Existing Medical Conditions:

InsureandGo strives to offer the best possible comprehensive coverage possible; therefore we consider all  pre-existing medical conditions  for possible cover, subject to agreement, without any up-front medical certificates. A pre-existing medical condition is  any diagnosed medical condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication.

Our policies cover many pre-existing conditions, some at no extra surcharge. To see if we can cover yours, please complete our medical assessment online at 4th step of quote journey or over the phone. 

To obtain a quote online, simply fill in the quote box above, which will allow you to compare our products and quotes. Before submitting your payment details, you have the option to declare all medical conditions online; this will only take you a few minutes. You will be able to save your quote for when you’re ready to purchase as all quotes are valid for 30 days. Note that selecting our Gold Level Coverage option will provide you with unlimited cancellation.

Travelling with grandchildren:

Spend more time with your grandchildren without spending any extra for your insurance. In addition to covering all your needs, your policy^ will cover any grandchildren (under 18yrs) travelling with you for free**.

Most Common Questions

We cover up to 79 or 100 years of age, subject to policy type and cover level selected.

We consider all pre-existing medical conditions for possible cover, subject to agreement, in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone

If, subject to our medical questionnaire, we are unable to cover your pre-existing medical conditions, we will only exclude any claims directly/indirectly relating to those conditions. Please keep in mind that you are still insured medically for a new condition that may unexpectedly arise overseas as well as accidental injuries and illnesses.

No. Simply select the trip type that best describes your journey.

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseeable death, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time, and this cover does not include any cover for pre-existing medical condition of non-travelling relatives. Please refer to the policy wording for any benefit limits

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours, as long as you eventually go on the holiday.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

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You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

International travel

For overseas trips, you can choose from Comprehensive cover or Essentials cover for International Travel Insurance. Plans can cover things like cancellations, luggage and rental car excess.

Domestic travel

For trips within Australia, our Domestic Travel Insurance plans give you the choice of simple or comprehensive cover. Choose cover just for cancellations or a pick a plan that includes things like rental car excess, luggage and your belongings.

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We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week.

Existing medical conditions

There are lots of medical conditions that we cover automatically, so you don’t need to list it on your policy.

Things you should know

• This discount is available for existing NRMA Insurance customers. Discount applied to total premium price (including government charges, taxes, levies and fees). We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit  Target Market Determinations (TMD) . If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s  FSG .

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Seniors Travel Insurance

Taking out the right travel insurance for seniors will help give you peace of mind so that you can focus on enjoying your trip.

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RACV Travel Insurance $20K Giveaway

You could win a share of $20,000 in prepaid gift cards with RACV Travel Insurance^^. Purchase a new policy by 30 September 2024 and you'll automatically go into the draw for a chance to win.

^^Terms and conditions apply.

RACV Travel Insurance for seniors

Whether you are a retired baby boomer seeking adventure overseas or have made the shift to part-time and are looking to explore Australia, taking out the right travel insurance will give you added peace of mind so that you can focus on enjoying your trip.

RACV Members get 15% off RACV Travel Insurance

Take the grandkids with you

RACV Travel Insurance policies automatically cover dependent(s).  This means you can take your little ones on holiday with you at no extra cost 1 . Simply add your dependent(s) travelling with you to your Certificate of Insurance.

1. Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Cruise cover

If you would like to be covered for cruising you must select Cruise Option for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your policy and you do not need to select the Cruise option.

Why choose RACV Travel Insurance?

Cancellation cover.

As we get older, we all like to be more prepared. What once was a holiday planned on-the-go becomes a trip packed full of pre-booked excursions and bucket list experiences. Taking out a RACV Travel Insurance means you can select your level of coverage for lost deposits or cancellation fees to reduce the impact of the unexpected.

Overseas medical coverage

With overseas medical cover, an international travel insurance policy will protect in the unexpected event of an injury or illness while you’re off enjoying your travels. There are limits and exclusions when it comes to Medical Conditions. Refer to Combined Financial Services Guide and Product Disclosure statement for full details.

RACV Summary of cover

Not all senior travellers have the same needs. When you're looking for the most suitable cover for your next holiday, you can select from a range of  RACV International & RACV Domestic Travel Insurance policies . Choose the level of cover that suits your needs.

Please read the Product Disclosure Statement  carefully for full details.

RACV Travel Insurance for seniors at home and abroad

Domestic travel insurance.

Only planning on travelling within Australia? Consider taking out travel insurance so that coverage can be provided for lost or stolen luggage, cancellation fees and travel delay, subject to terms, limits and conditions.

Annual Multi-Trip policy

Have a little more time on your hands to travel after retiring or making the transition to part-time work? An annual multi-trip policy can save you money on your travel insurance if you plan on travelling more than once in a 12 month period. 

Ski & winter sports cover

Getting older can bring out your adventurous side. If you’re planning on skiing on your next holiday, ensure you have the right level of coverage both domestically and internationally. RACV Travel Insurance offers additional coverage for ski and winter sports so that you can still enjoy your next skiing holiday. Ensure all pre-existing medical conditions are declared if they are not automatically covered.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

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For full details on how you’re covered, read the RACV Travel Insurance Combined Financial Services Guide and Product Disclosure Statement.

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The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

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Seniors Cards Discounts and Deals

Use our easy map search tool below to find Seniors Card discounts. Search using business name, postcode, suburb, or category and the map will display all the great offers near you.

Find a deal or discount near you

Discount directory .

NSW Seniors Card is pleased to provide members with the 2024 Seniors Card Directory, your guide to the best Seniors Card discounts and benefits from thousands of participating businesses across the state.

Gold Opal card

NSW Transport offer concessions for Seniors Card holders with a Gold Opal card, offering unlimited travel available for only $2.50 a day.

Our featured offers

United: Save 4c per litre

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RSPCA: 50% off adoption fees for senior animals

Insure&Go: Save 15% on Travel Insurance policies

Laithwaites: Save 10% when you purchase 12 or more bottles

NobleOak: 17% lifetime discount on Life cover*

IGA: Save 5% when you shop with these handy giftcards

Norton: Special offers for seniors

Australian Seniors

Find a range of innovative, quality and cost effective seniors insurance from the over 50’s insurance specialists. Australian Seniors have worked hard to simplify and take the hassle out of choosing a travel insurance plan for your next holiday. Policies are available to Australian residents between 18 - 89 years of age. Dependants travel for free with parent or grandparent. Australian Seniors policies are underwritten by The Hollard Insurance Company Pty Ltd. Policies purchased on or prior to 11 July 2019 are underwritten by Chubb Insurance Australia Limited.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Traveling at any age can be a stress-inducing event, especially when you’re leaving the country. For that reason, many travelers opt to purchase travel insurance before they go.

Depending on your age, you may want to consider different types of coverage, whether that’s one oriented to emergency medical care or one refunding you in the event your plans change.

To make sure you’re covered, we’ve compiled a list of the best travel insurance for seniors. Here’s which companies made the cut:

Trawick International . 

Nationwide .

Travel Insured International .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance plan can be overwhelming, especially when there are so many options. To whittle down the choices for top dog, we took a few factors into consideration:

Available policy types . Depending on the type of plan you’re interested in, not all insurance companies may work for you. Some won’t offer emergency medical coverage, while others provide only a fixed amount of reimbursement. 

Policy coverage limit . Are you interested in comprehensive coverage or the bare minimum? If you’re heading out on a longer trip, a higher maximum may be more prudent. 

Exclusions . Many travel insurance companies will exclude pre-existing conditions as well as coverage for risky activities. 

Cost . With a huge range in costs, we focused on plans that provided value for money. 

Website usability . Nothing is more frustrating than trying to make a claim through a clunky website, which is why we’ve included this. 

Customization . Cancel For Any Reason, rental car, accidental death and dismemberment (AD&D), sports coverage, rented electronics coverage — the more customizations a plan offers, the better. 

Of course, the most important thing is that you find a plan that suits your needs. If you’re not planning on taking a cruise, then choosing a plan with cruise coverage makes no sense.

What to know before you shop

No matter your age, you’ll want to make sure you compare a variety of plans before purchase. However, as an older adult, this advice is more pertinent than ever. As you’ll see below, coverage levels and costs can vary hugely between insurance companies.

Policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

A simple way to compare multiple quotes at once is through a travel insurance aggregator, such as Squaremouth. This website allows you to type in your details just once, then spits out plan options from multiple businesses so you can peruse them easily.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

To find the best travel insurance for seniors, we generated quotes from a variety of companies. Our sample trip consisted of a 65-year-old from California heading to Spain for 10 days in August 2024. The total trip cost was $8,000.

Among our top companies, the average cost for a plan cost $389. However, that number is skewed slightly by Travelex Insurance Services, whose Travel Med program offers medical protection but is otherwise limited.

Here is the basic coverage cost, broken down by provider.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different levels of coverage.

Comparing these coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

1. Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

What makes Travelex great:

Plan is much cheaper than average.

Offers emergency medical insurance. 

Medical coverage is primary. 

Here’s a snippet from our Travelex review :

“Travelex’s primary goal is to provide travel insurance protection that’s personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from Travelex. However, keep in mind that its Travel Med plan doesn’t include trip cancellation insurance , and its policy limits are fixed rather than a percentage of what you’ve paid. This means you’ll get up to $1,000 for trip interruption and a maximum of $10,000 in emergency medical.

If you want insurance for things like baggage delay, you'll need to purchase a different plan.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

What makes IMG great:

100% reimbursement for trip cancellation.

125% reimbursement for trip interruption.

Lower-than-average cost.

Here’s a snippet from our IMG review :

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

Be aware that IMG’s iTravelInsured Travel Essential plan, which we looked at, doesn’t include any emergency medical coverage , so you’ll want to make sure you’re protected elsewhere.

3. Trawick International

• Many different plan options.
• CFAR available as an add on.
• Specialty coverage for adventure sports (SafeTreker Basic).
• Reports of long resolution processes.
• Low customer service rating on SquareMouth.

What makes Trawick great:

Primary medical coverage.

High limit for medical evacuation .

Pre-existing conditions covered.

Here’s a snippet from our Trawick review :

“Trawick International has been in business for about 25 years and is a legitimate travel insurance provider. Trawick International reviews on Trustpilot and Squaremouth are generally good, with scores around 4.5/5 and 4.15/5, respectively.”

For those who aren’t familiar with these terms, primary coverage means this entity is the first one to pay out; secondary means the insurance will only cover costs not already paid for by other policies.

At the lower end of costs for our quote — though still above average — Trawick still provides a hefty $50,000 in primary medical coverage with its Safe Travels Defend plan.

• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

What makes AXA great:

$100,000 emergency medical limit.

Here’s a snippet from our AXA insurance review :

“The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.”

With $100,000 in primary medical coverage and the inclusion of pre-existing conditions , those who have ongoing health issues may want to opt for AXA Gold’s comprehensive coverage.

5. Nationwide

What makes Nationwide great:

Reimburses cruise excursion changes.

150% reimbursement for trip interruption. 

Eligible sports and other activities covered. 

Here’s a snippet from our Nationwide review :

“Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy.”

Nationwide’s Cruise Choice plan includes comprehensive coverage for all your trip needs. However, it’s at its best for those who plan to cruise, since it offers unique insurance should problems arise. This even includes a payment for you if you’re inconvenienced by a ship breakdown.

» Learn more: Is cruise travel insurance worth the cost?

6. Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

What makes Travel Insured International great:

Multiple customizations available.

Offers a Cancel for Work Reasons upgrade option.

Rental car insurance is included in the quote, but is generally sold as an upgrade. 

Here’s a snippet from our Travel Insured review :

“Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.”

Travel Insured International’s Worldwide Trip Protector Edge plan offers a great deal of flexibility. Along with full-scale trip protections and medical coverage, you can also choose to double your policy limit for medical care or add on Accidental Death and Dismemberment coverage for your flight.

Check your card for existing travel insurance

Many travel rewards cards, such as the Chase Sapphire Reserve® and The Platinum Card® from American Express , offer some kind of trip protection, see more on their benefits in the comparison module below. Terms apply.

Having one of these in your wallet is a good start to protecting your trip-related investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

» Learn more: The best travel credit cards right now

Best travel insurance for older adults recapped

We’ve done the work for you to figure out the best travel insurance for seniors, whether you’re looking to hop on a cruise or want comprehensive coverage for the trip you’re about to take.

American Express travel insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

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

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.