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Travel insurance

Best travel insurance for seniors in June 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

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

Updated 5:35 a.m. UTC June 3, 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.

Tin Leg

Best plan for seniors

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

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

Pros and cons

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

Trawick International

Trawick International

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

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

Seven Corners

Seven Corners

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

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

Generali Global Assistance

Generali Global Assistance

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

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


Nationwide 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

Trawick International

Via Compare Coverage’s website

Seven Corners


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

Tin Leg

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

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

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Christine Krzyszton

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

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.

Ambulance Hospital Entrance

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

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

Couple with Medicare

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

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

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

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

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

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

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.

World Nomads Quote

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

Secure your own quote from World Nomads .

Allianz — 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.

Allianz Annual Plan

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

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

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.

Age 80 with CFAR

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

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

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

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

Senior Travel

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

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

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

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

Does travel insurance cover COVID-19?

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

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

Does travel insurance cover preexisting medical conditions?

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

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

Does credit card travel insurance cover flight cancellations?

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

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

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

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Travel Insurance for Seniors & Retirees: 5 Top Picks

travel insurance compare for over 70s

Allianz Travel Insurance »

travel insurance compare for over 70s

Trawick International »

travel insurance compare for over 70s

GeoBlue »

travel insurance compare for over 70s

IMG Travel Insurance »

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WorldTrips »

Why Trust Us

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

Table of Contents

  • Allianz Travel Insurance
  • Trawick International

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

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

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

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

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

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


Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

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

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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

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

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

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

Frequently Asked Questions

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

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

Why Trust U.S. News Travel

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

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Best Travel Insurance for Seniors

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

Jeff Hoyt

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

Allianz Logo

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

International Medical Group Logo

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

John Hancock Logo

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

Nationwide Logo

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

Travel Guard Logo

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

If you plan on traveling abroad or domestically , we recommend purchasing travel insurance for some added peace of mind. Travel insurance offers protection when you find yourself in an unexpected situation, such as an injury that requires emergency medical care, lost luggage, or canceled flights.

If you’re on the fence about purchasing travel insurance, we’ll go over some of the reasons why you might benefit from it. With affordable rates you’ll find that travel insurance can help reduce the stress of traveling and incurring unexpected out-of-pocket costs. Our team spent over 50 hours researching and comparing plans. We evaluated each plan using important factors like cost, customer service, plan options, amount of coverage, and more.

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

Best Travel Insurance for Seniors in 2024

What we like most.

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

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

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

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

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

Pros About Allianz

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

Cons About Allianz

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

Final Thoughts

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

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

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

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

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

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

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

Pros About International Medical Group

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

Cons About International Medical Group

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

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

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

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

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

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

Pros About John Hancock

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

Cons About John Hancock

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

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

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

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

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

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

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

Pros About Nationwide

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

Cons About Nationwide

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

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

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

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

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

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

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

Pros About Travel Guard

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

Cons About Travel Guard

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

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

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

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

Our Methodology: How We Chose the Best Seniors Travel Insurance

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

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

Comparing the Best Travel Insurance for Seniors

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

What Does Travel Insurance Cover?

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

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

How Much Does Travel Insurance Cost for Seniors?

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

Tips for Choosing the Best Travel Insurance for Seniors

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

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

Frequently Asked Questions About Seniors Travel Insurance

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

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

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

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

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

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

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

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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


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

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

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

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How to Find the Best Travel Insurance for Seniors

Comparing options from multiple travel insurance companies and checking out reviews are the best ways to find coverage that works for you..

Anna Baluch

4+ years writing insurance and personal finance content

MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Danny Smith

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated December 10, 2023

Reading time: 3 minutes

travel insurance compare for over 70s

Table of contents

What is travel insurance.

  • Find travel insurance
  • Factors to consider

Travel insurance can come in very handy for seniors who travel frequently. It provides a financial safety net that lets you recoup your money if a trip doesn’t go as planned. Policies cover various expenses, like doctor visits, ambulance services, medical treatment, lost baggage, and more.

Here’s what you need to know about the best travel insurance for seniors.

Travel insurance covers unexpected events that occur while traveling, including illnesses, injuries, lost luggage, damaged electronics, and canceled flights due to inclement weather or natural disasters. With affordable travel insurance, you can protect against financial losses and risks while away from home. It allows you to book trips in confidence during your senior years. [1]

How to find the best travel insurance

Here are some tips to help you zero in on the best senior travel insurance policy for you:

Shop around. It’s important to research and compare policies from multiple insurers before buying one since every insurer weighs risk factors differently. Consider the type of coverage and premiums of various plans.

Read the fine print. While it may be tempting to buy travel insurance as soon as you find a policy that meets your budget and needs, doing so can be risky. Take the time to understand the details so you can avoid hidden expenses and disappointments over exclusions in policies.

Check out reviews. Before you sign on the dotted line, read third-party reviews about the travel insurance company. Make sure it’s reputable and offers good customer service.

Time it right. Try to buy your travel insurance right after you book your trip. The sooner you invest in it, the better. The price may increase if you wait too close to the departure date. And many policies have a cutoff date on when they can be purchased.

Factors to consider when choosing travel insurance

Make sure to consider the below factors before purchasing a travel insurance policy.

Pre-existing medical conditions

If you have a pre-existing health condition like diabetes or arthritis, search for a travel insurance policy that covers it. Some plans come with a pre-existing condition waiver, which pays for medical bills tied to your condition during a trip. Without a waiver, your travel insurance company may exclude coverage for your condition. [2]

Duration of the trip

Travel insurance coverage will cost you more if you’re going on a two-month trip rather than a trip for only a few days or weeks. Single-trip insurance plans are ideal for one-off trips, but if you travel frequently throughout the year, an annual travel insurance plan may make more sense.


It’s important to consider whether your destination is domestic or international when buying a travel insurance policy. If you’re traveling to a different country instead of staying in the United States, robust health care coverage is essential. Medicare and most private medical insurance plans typically don't cover medical services outside the U.S.

Also, if you’re visiting a remote or high-risk destination, a travel insurance policy with high coverage amounts for emergency medical evacuation to the nearest hospital and medical costs is a must-have. Some robust plans offer emergency medical evacuation to the U.S.

How to buy travel insurance

Many travel insurance companies offer policies tailored to seniors. Travel insurance comparison sites, airlines, credit cards, travel agents, and travel reservation sites may also offer coverage. Policies can protect you from medical emergencies, lost luggage, trip cancellation, and trip interruption.

You should buy a travel insurance plan shortly after you book your flights, lodging, and activities. Be prepared to share basic information about your trip, such as the travelers’ names, destination, travel dates, non-refundable trip costs, and whether anyone in your party has a pre-existing condition.

Once you receive your policy, you’ll likely have a review period of 10 to 15 days to review the benefits, maximum limit, and the fine print, which explains exclusions. In most cases, you can cancel the policy for a full refund if you determine it’s not a good fit for your unique situation.

Keep Reading: How Much is Travel Insurance?

Keep Reading: How Much is Travel Insurance?

Senior travel insurance faqs.

Below are answers to a few commonly asked questions about travel insurance for seniors.

Do you need travel insurance if you have Medicare?

Medicare and most private health insurance plans don't offer coverage outside the U.S. Travel insurance can be a smart investment if you’re traveling to a different country and want medical coverage and evacuation coverage. [3]

Can you get travel insurance with a pre-existing condition?

It’s possible. You may be able to secure a travel insurance policy that covers your pre-existing medical condition, but you’ll likely have to add a pre-existing condition waiver.

Is travel insurance more expensive for seniors?

Usually, yes. Travel insurance typically comes with a higher cost for senior citizens because they present a higher risk for health-related issues than minors and younger adults.

  • Centers for Disease Control and Prevention . " Travel Insurance ."
  • Travel Guard . " Pre-existing medical condition waiver ."
  • U.S. Department of Health & Human Services . " Medicare Coverage Outside the United States ."

Anna Baluch

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn .

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The Best Senior Travel Insurance Companies of 2024

Alex Carver Photo

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison Photo

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

After researching and rating 20 travel insurance companies and over 40 plan options, the MarketWatch Guides team found that Faye offers the best senior travel insurance.

Based on our quotes, travel insurance plans for seniors are usually more expensive than for younger customers because companies assume an increased risk of health incidents and more costly medical expenses. We at the MarketWatch Guides team researched nearly two dozen travel insurance companies to identify the best in the industry.

Faye Logo

Top 9 Best Senior Travel Insurance Companies of 2024

Here are our picks for the top travel insurance companies for U.S. seniors. All companies we’ve ranked as our top picks offer pre-existing conditions coverage or a waiver.

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

Compare Travel Insurance Companies for Seniors

It’s important to balance coverage with cost when searching for a senior travel insurance policy to ensure you get the best deal possible. See the table below for the average cost of a travel insurance plan based on quotes we gathered from our top company picks. We’ve also included our recommended plans for seniors and Better Business Bureau (BBB) ratings across each provider.

* Average costs are based on quotes our team gathered from each provider using four different traveler profiles, ranging from 70 to 81 years old.

The Best Senior Travel Insurance in Detail


Why We Picked Faye for Senior Travelers

We chose Faye as our top pick for senior travelers. While it offers only one plan, the company includes $250,000 worth of primary medical coverage on all its policies and has a pre-existing conditions waiver to help seniors cover chronic medical conditions. To qualify for this pre-existing coverage waiver, you must purchase your policy within 14 days of your initial trip deposit and be medically able to travel at the time of plan purchase. Faye’s policies also provide $500,000 in emergency medical evacuation coverage, which older travelers may require if they have a complex health condition or are in a remote area.

Pros and Cons

Coverage and cost.

Faye offers the following add-on options:

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

We gathered quotes directly from Faye to better understand the cost of a travel insurance policy for seniors. Based on the quotes we gathered, the average cost of senior travel insurance is $337.


Why We Picked Travelex for Senior Travelers

Travelex is worth considering for senior travelers because of its primary medical coverage. If you become hospitalized outside of the U.S. , Medicare won’t pay for most injuries and illnesses. A travel insurance plan that offers secondary coverage may leave you with a major medical bill after a serious accident. Travelex’s Travel Select plan allows seniors to upgrade their primary medical coverage with additional medical and emergency evacuation coverage, providing peace of mind while abroad.

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

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

We gathered quotes directly from Travelex to learn more about the average cost of a travel insurance policy for seniors through the company. Based on these quotes, Travelex’s average cost is $585.

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway for Senior Travelers

Berkshire Hathaway’s coverage is worth considering for seniors planning a luxury vacation or group travel, especially if premiums are too expensive elsewhere. In particular, the company’s LuxuryCare policy offers travel protection up to $100,000, ideal for travelers accustomed to more high-end accommodations. Berkshire Hathaway’s policies also include automatic coverage for pre-existing conditions if you buy a policy within 14 days of your initial deposit date.

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

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

We’ve gathered dozens of quotes in our review to better understand the cost of senior travel insurance. Based on quotes collected by our research team from Berkshire Hathaway, the average cost for a senior travel insurance policy is $381.

Nationwide Travel Insurance

Nationwide Travel Insurance

Why We Picked Nationwide for Senior Travelers

Nationwide is one of the few travel insurance providers to offer cruise-specific coverage, based on our research, with its policies featuring several inclusions benefitting older travelers. Trip interruption coverage includes up to 200% of your trip cost, and you can qualify for a pre-existing conditions waiver up to 21 days after your initial deposit. While medical limits are lower than most competitors, Nationwide’s general and cruise-specific coverages present a viable option for older travelers.

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

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

We gathered quotes directly from Nationwide to better gauge what a travel insurance policy costs for seniors. Based on the quotes collected by our research team, a senior travel insurance plan with Nationwide costs $407 on average.

Generali Global Assistance

Generali Global Assistance

Why We Picked Generali Global Assistance for Senior Travelers

We named Generali Global Assistance our pick for emergency assistance, as the provider offers a team of bilingual representatives on standby to assist in an emergency. Generali’s policies include around-the-clock travel assistance, and its Premium plan offers generous medical coverage of up to $250,000. In addition, Generali’s medical coverage does not have a lower cap for dental coverage, a benefit if you experience a dental abscess or another major dental emergency on vacation.

Generali offers fewer add-on options than other insurance providers we reviewed, including:

  • Rental car accident insurance (offers up to $25,000 with the Standard and Preferred plans)
  • CFAR insurance (available with the Premium plan only)

Note that the Premium plan includes rental car coverage as standard so the add-on is not available to those customers.

We gathered quotes directly from Generali to learn about the cost of a travel insurance policy for seniors. Based on these quotes, seniors can expect to pay $298 for a Generali plan.

AXA Assistance USA

AXA Assistance USA

Why We Picked AXA Assistance USA for Senior Travelers

We chose AXA Assistance USA as our pick for leisure travelers. We think AXA is ideal for seniors planning a leisurely trip because of the added benefits it offers, including reimbursement for lost rounds of golf and sporting equipment rentals. Its upper-tier plans include identity theft coverage and 24/7 travel services. It also has the option to add coverage for pre-existing conditions. To benefit from the pre-existing conditions exclusion waiver, you must purchase your AXA Assistance USA policy within 14 days of your initial trip deposit.

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

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

After gathering direct quotes from AXA Assistance USA, a senior traveler can expect to pay, on average, $483 for an AXA plan.

Seven Corners Travel Insurance

Seven Corners Travel Insurance

Why We Picked Seven Corners for Senior Travelers

As an older traveler, you may focus on comprehensive medical care and evacuation protections when buying travel insurance. Seven Corners offers a broad selection of medical insurance policies, with travelers 65 to 79 years old provided up to $100,000 in medical coverage. Travelers 80 years and older can receive $10,000 in coverage, which is an age many other providers exclude from enrollment entirely. Seven Corners also offers medical evacuation coverage up to $1 million, which can benefit those traveling to a remote area.

With Seven Corners, you can choose from the following add-ons:

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

Our research team collected quotes from Seven Corners using various senior traveler profiles. We found that a senior traveler can expect to pay $388 on average.

HTH Travel Insurance

HTH Travel Insurance

Why We Picked HTH for Senior Travelers

If you’re a senior traveling with a group, you might consider buying coverage through a travel insurance provider offering benefits when you purchase two or more policies at once. HTH Travel Insurance policies have a 10% discount for groups of travelers over the age of 65 and include medical limits of up to $1 million. Nationwide underwrites policies in most areas, and you may qualify for up to 200% of trip interruption coverage and primary medical benefits.

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

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

Based on quotes our research team gathered from HTH Worldwide,  senior travelers can expect to pay $437 on average .

International Medical Group

International Medical Group

Why IMG Is Great for Senior Travelers

If you’re looking for more extensive medical coverage, you can find a number of policies available through International Medical Group (IMG). The company has inclusive international policies, with more than five choices and up to $8 million in medical coverage on single-trip plans. It also offers GlobeHopper Senior plans tailored specifically to senior travelers by not enforcing a maximum age restriction. IMG makes it easier for seniors to customize coverage than other companies we’ve researched, allowing you to skip baggage and delay-related coverage if you solely want medical insurance.

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

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

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

Based on quotes we gathered from IMG using four different senior traveler profiles, a 70-year-old couple taking a 7-day, $4,000 trip to Mexico will pay around $428 .

How We Ranked the Best Senior Travel Insurance Companies

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

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

How Much Does Senior Travel Insurance Cost?

The average cost of travel insurance for seniors is $417. However, seniors can likely expect to pay anywhere from $159 to $745 for a policy. Our team analyzed average travel insurance policy costs for senior travelers by gathering quotes from multiple providers using four different traveler profiles. Based on these quotes, we found the average cost of travel insurance for seniors was about 9% to 18% of their trip’s total value.

See the table below for a breakdown of average policy costs across the traveler profiles we used to gather quotes during our research process.

The table below shows the average cost of senior travel insurance by provider, averaging each of their plan costs for all 4 traveler types highlighted above, from cheapest to most expensive.

Keep in mind your actual travel insurance policy cost as a senior will depend on factors such as your age, total trip cost, level of coverage and more. We recommend gathering quotes from at least three different travel insurance companies before settling on a plan.

How To Pick The Best Senior Travel Insurance

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

Check for Pre-Existing Conditions Waivers

Most travel insurance companies exclude pre-existing conditions from medical coverage. If you’ve had changes in your health before purchasing a policy — such as a new diagnosis or new medication — a company may consider it a pre-existing condition.

Senior travelers with chronic medical conditions or a new diagnosis can see if their travel insurance provider offers a waiver for pre-existing conditions. This waiver can prevent a travel insurance company from denying medical-related reimbursements if you have a pre-existing condition, as it keeps the provider from examining your recent medical records when reviewing a claim.

Angela Borden, a product marketing specialist at Seven Corners, encourages travelers to check on medical coverage if they have pre-existing conditions.

“Contact your insurance provider to be sure you fully understand the pre-existing conditions coverage for the plan you choose,” she said, “being prepared and having the information before you need it in an emergency can make a huge difference.”

Opt for Primary Medical Coverage

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

According to our survey of 1,000 people who have purchased a travel insurance policy in the past, over 60% recommend that a friend buy a comprehensive travel insurance policy that includes medical coverage, cancellations, baggage, etc., over a cheaper policy with less coverage.

Choose a Plan With at Least $100,000 in Medical Coverage

Travel medical insurance can protect you if you need emergency medical care while on a trip. If you’re a senior with a Medicare policy that covers your domestic healthcare needs, your policy likely will not cover medical bills you incur in another country. If you need healthcare services due to a sudden illness or injury, a travel insurance plan with medical coverage can likely protect you financially in an emergency.

We recommend senior travelers obtain at least $100,000 in medical coverage based on our review of travel insurance companies and research into emergency medical expenses. If you experience a serious medical emergency that requires hospitalization, your healthcare bills might add up quickly. Consider your financial situation, the length of your travels and other factors when deciding on the amount of coverage you’re comfortable purchasing.

Get at Least $250,000 in Medical Evacuation and Repatriation Coverage

When traveling to a location without an accessible or strong healthcare infrastructure, the need for medical evacuation increases if you have a severe accident. If you need transport in an ambulance, helicopter or another specialized medical vehicle, medical evacuation coverage can help cover transport-related bills. Repatriation benefits — often included alongside medical evacuation coverage — cover the cost of transporting your remains back to your home country in the event of death abroad.

We recommend getting emergency evacuation coverage of at least $250,000, ideally $500,000. According to Medjet , medical transport costs can range from $30,000 to over $180,000, so you’ll likely want limits that can provide you with peace of mind if you need transport during a medical crisis.

Frequent International Travelers: Consider Annual Travel Insurance

Seniors who plan to travel to multiple destinations over the course of a year might consider an annual travel insurance policy. Annual, multi-destination travel insurance covers multiple trips over a set period — typically 12 months. If you plan on traveling frequently while returning to your home base between trips, this coverage may offer a cost-effective way to protect your travels versus buying multiple single-trip policies for all your adventures. 

Keep in mind that while annual coverage is typically cheaper than buying multiple individual plans, these plans often have lower limits for emergency medical expenses. Consider what’s most important to you in a travel insurance policy before deciding on a single-trip or annual travel insurance plan.

Make Sure You Have 100% Trip Cancellation and Interruption Insurance

Trip cancellation insurance and trip interruption coverage can reimburse prepaid, non-refundable travel expenses if your trip is canceled or interrupted for a reason listed under your policy. Qualifying expenses can include flights, hotel reservations, rental car costs, and prepaid excursions and activities. Ensuring your trip cancellation and interruption coverages provide at least 100% reimbursement can protect your wallet and peace of mind if you experience circumstances beyond your control.

Consider a “Cancel For Any Reason” Coverage Add-On

Cancel for any reason (CFAR) coverage is an add-on worth considering if you foresee canceling your trip for a reason not covered by a standard travel insurance policy. While a typical plan covers cancellations due to a death in the family, hospitalization, military orders or deployment, and more, CFAR coverage allows you to cancel for virtually any reason. If you use your CFAR coverage, you will receive reimbursement up to a set percentage amount of your trip as outlined in your policy.

According to the participants in our study over the age of 54, 60% purchased CFAR coverage, and 19% purchased Interruption for any reason (IFAR) coverage.

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

How To Save On Travel Insurance

If you’re concerned about the cost of travel insurance as a senior, there are ways to save money. For example, a travel insurance policy with lower coverage limits may suffice if you’re traveling somewhere low-risk to relax versus a more adventurous location.

Or, if you have a credit card with travel insurance benefits such as trip cancellation or trip interruption coverage, you can choose to purchase a separate plan that only includes travel medical coverage. This could be cheaper than a comprehensive policy. If you do not need medical coverage, you can choose to rely on credit card benefits alone to save even more money. 

Keep in mind that cheaper is not necessarily better. Make sure you’re comfortable with lower coverage limits if you choose a cheaper plan and, assuming your policy has lower limits, can pay out of pocket if needed in a medical emergency or other untimely situation. Considering your unique needs as you travel can help you better choose a plan that’s right for you.

Read more: AMEX Travel Insurance

What Else Do Seniors Need To Know About Travel Insurance?

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

Created with Sketch Beta. COVID-19 is usually treated as a typical illness: Under most travel insurance policies, COVID-19 is treated the same as any other illness covered under the policy. If you contract COVID-19 on or before your trip, you may be entitled to a reimbursement. However, fear of a new COVID strain does not qualify you for reimbursement under standard travel insurance policies. As a senior, you may want to protect your trip with CFAR coverage if your destination may be at a higher risk of COVID-related complications. 

Created with Sketch Beta. Preexisting conditions are often excluded: Senior citizens usually have more health concerns than younger travelers, which is partly why travel insurance costs more as you age. You may be required to provide your travel insurance provider with a list of preexisting conditions before you are approved for coverage. Compare plan options with your health insurance coverage to find the policy that provides you with the best complementary benefits.

Do Seniors Need Travel Insurance?

Deciding on a travel insurance plan as a senior is a personal decision.

The value of travel insurance lies in its ability to turn potentially trip-ruining incidents into manageable situations. For instance, if your flight gets cancelled due to unforeseen circumstances, travel insurance can cover the costs and help you make alternative arrangements. I’ve personally seen clients benefit from having their lost baggage replaced, ensuring their vacations continued smoothly despite initial hiccups. Peter Hamdy, Co-founder of Aukland and Beyond Tours

Considering your travel needs can help make the decision easier, and we recommend asking yourself questions such as these before purchasing a plan:

  • Am I traveling to a remote area that lacks a robust healthcare system?
  • Does my trip involve multiple connecting flights or destinations?
  • Am I worried about unexpected events interfering with my plans?
  • Are my non-refundable costs more than I can realistically afford to lose?

If you answer yes to any of the above questions, it could be worth gathering quotes from multiple providers and comparing costs. This way, you can find a plan that suits your needs and budget while providing you with peace of mind.

When To Skip Travel Insurance

Travel insurance may not be worth it for some senior travelers. For example, some countries, such as New Zealand , provide covered emergency medical care for accidental injuries or illnesses, so you may not need travel insurance strictly for medical benefits.

Other instances where you might skip travel insurance include if you booked your trip using a credit card that provides travel benefits. Several credit cards offer travel insurance benefits such as trip cancellation and trip interruption, so check with your credit card provider to see if it provides benefits that align with your needs.

Is Senior Travel Insurance Worth It?

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

travel insurance compare for over 70s

Expert Tips and Insights 

Bing Pan

Professor in Commercial Recreation and Tourism Pennsylvania State University

Dr. Bing Pan is a professor in commercial recreation and tourism in the Department of Recreation, Park and Tourism Management at Penn State University. He adopts big data analytics to study visitor management and tourism marketing in national parks and destinations. 

Muzaffer (Muzzo) Uysal

Carney Family Endowed Professor in Hospitality and Tourism Management University of Massachusetts Amherst

Muzaffer (Muzzo) Uysal is a Carney Family Endowed Professor of the Department of Hospitality and Tourism Management – Isenberg School of Management at the University of Massachusetts, Amherst. His current research interests center on tourism demand and supply interaction, tourism development,  and quality-of-life research in tourism and hospitality.

Linchi Kwok

Professor in the Collins College of Hospitality Management California State Polytechnic University Pomona

Linchi Kwok, Ph.D., publishes viewpoints and refereed (peer-reviewed) articles in hospitality management and service marketing. His research work won several best paper awards at academic conferences. Linchi is now a professor at the Collins College of Hospitality Management at Cal Poly Pomona and a visiting professor at Sun Yat-Sen University. Before moving to Southern California, Linchi worked at Syracuse University, Rochester Institute of Technology, Texas Tech University and Marriott.

travel insurance compare for over 70s

Associate Professor Emeritus Kansas State University

Gayle Appel Doll, M.S., Ph.D., is an associate professor emeritus and adjunct associate dean for Academic and Faculty Affairs at Kansas State University’s Center on Aging where she coordinates and develops research, educational and training programs and outreach activities on aging. She received her Master’s in Kinesiology and her Doctorate in Life Span Human Development, both from Kansas State University. Dr. Doll teaches gerontology courses at Kansas State University, earning the Commerce Bank Award for Outstanding Undergraduate Teaching in 2005.

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

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

What is the best travel insurance for senior citizens?

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

Do I need travel insurance if I have Medicare?

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

Can you get travel insurance with a preexisting condition?

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

Methodology: How We Rate Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

  • A 70-year-old couple taking a $4,000, 7-day trip to Mexico
  • A 65-year-old taking a $1,200, 5-day cruise in the Bahamas
  • A 77 and 81-year-old couple taking a $5,000, 8-day trip to the Dominican Republic
  • An 80-year-old taking a $3,000, 6-day cruise in Greece
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

More Travel Insurance Resources

  • What Is Travel Insurance?
  • What Is Trip Cancellation Insurance?
  • What Does Flight Insurance Cover?
  • Cancel for Any Reason Travel Insurance
  • Travel Insurance for a Mexico Vacation
  • Travel Insurance for a Costa Rica Vacation
  • Best travel medical insurance plans
  • How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Other Travel Resources:

Portrait of happy girl in a hat with a backpack standing on background of mountains and sea.


A Guide to Travel Insurance for Seniors

The years after you turn 50 offer the perfect blend of time and freedom to explore the world. You can travel at your own pace, savor new experiences, and create lasting memories – all while you enjoy a more relaxed vacation. 

You've also likely accumulated wisdom and experience, which allows you to travel with a deeper understanding and appreciation for different cultures. But with this newfound wanderlust comes the need for reliable travel insurance for seniors.  

This guide will explain why and how travel insurance for seniors is essential, offering insights and tips to help ensure your travels are as secure as they are enjoyable. 

The Need for Travel Insurance for Seniors 

There are several key reasons why seniors should strongly consider purchasing travel insurance before embarking on their next adventure: 

1. Pre-existing Medical Conditions 

While travel can be a healthy activity for seniors, unexpected flare-ups or emergencies can occur even for healthy seniors. This is especially true considering the high prevalence of pre-existing medical conditions among individuals over the age of 60. 

However, if you have travel insurance for seniors, these costs can be taken care of as long as the conditions are covered under the policy. 

Let's see how this may play out in some possible situations: 

Imagine you are on your dream cruise to Alaska, and you experience some chest pain. You visit the ship's doctor, incurring unexpected medical expenses. Cruise travel insurance for seniors with medical coverage can help reimburse these expenses with less financial stress. 

An unexpected blood sugar spike or drop due to unfamiliar food options on your overseas vacation could require immediate medical assistance or a trip to the doctor. Travel insurance for seniors with emergency medical evacuation coverage can arrange for proper care abroad and help you return home for further treatment if needed. 

2. Increased Vulnerability to Injuries 

Golden agers are more prone to falls and accidents due to factors like decreased bone density, balance issues, and slower reflexes. Travel medical insurance for seniors that covers accidental injuries may take care of the expenses incurred due to such mishaps. 

Let’s take, for instance, 

While exploring the cobblestone streets of Rome on a long-awaited European adventure, you misstep and take a fall. The sudden pain in your ankle makes it difficult to walk, and you end up needing medical attention at a nearby clinic. X-rays reveal a minor fracture, requiring a cast and crutches for the next few days.  

Thankfully, you had travel insurance with accidental injury coverage, including costs associated with medical consultation, treatment, and transportation. It also allows you to focus on recovery and still enjoy the rest of your trip without worrying about the financial burden. 

3. Your Medicare Coverage is Not Valid Abroad 

Medicare generally doesn't extend coverage to healthcare received during international travel, apart from a few rare exceptions. This means that you'll be responsible for paying out of pocket for any medical care you need while traveling internationally unless you have international travel insurance for seniors with emergency medical benefits. 

In addition to medical bills, Medicare also doesn't cover repatriation or evacuation if you require medical transport back to the United States for treatment. Having travel insurance with these coverages can provide much-needed assistance in these situations. 

How AXA Travel Protection Plans Can Support Seniors 

Travel insurance for seniors is an important consideration for older individuals who plan to travel domestically or internationally. Seniors may have specific health needs and concerns that require coverage tailored to their age group.    

AXA understands that seniors have unique needs and concerns when it comes to travel insurance, and AXA Travel Protection Plans are, therefore, designed to offer the support you deserve. 

Here are some key coverage options from AXA Travel Protection. 

1. Coverage for Pre-existing Conditions : We understand that many seniors have pre-existing medical conditions. AXA offers plans ( Gold and Platinum ) with pre-existing medical condition waivers. This also includes coverage for related medical emergencies. Be sure to purchase the travel protection plan within 14 days of the first trip payment to avail this coverage. 

Remember, a pre-existing medical condition is any health issue you experienced within 60 days before your travel insurance policy begins. 

2. Extensive Medical Coverage: Our plans offer up to $250,000 in medical coverage domestically and internationally and cater to potential medical needs that may arise on your journey. 

3. Emergency Medical Evacuation and Repatriation : In critical situations, AXA offers emergency medical evacuation to transport you to a suitable medical facility if needed. You may also avail repatriation coverage, which will assist you in returning home for further treatment or recovery. AXA travel protection goes even beyond the itinerary. It will have you covered for up to 90 extra days if your injury or sickness first happens during your trip.   4. Trip Cancellation and Delay Coverage : Trip cancellation coverage could be a valuable addition to your travel insurance plan, especially since it can be applied even before you depart from the US. This coverage will be applicable if you have to cancel your trip due to sickness, injury, or death of yourself, a traveling companion, or a family member. It will typically reimburse you for the non-refundable trip costs, such as prepaid flights, accommodation, tours, and activities.  5. Coverage for Lost or Delayed Luggage : Missing or delayed luggage is a very common experience for many travelers. AXA Travel Protection plans offer lost or delayed baggage coverage of up to $3,000, helping you replace essential items or clothing if your luggage is lost, stolen, or delayed during your travels. Check for coverage limits when selecting travel insurance for seniors from AXA.  6. 24/7 Assistance: AXA’s global team of licensed travel agents provides 24/7 assistance services throughout your trip. The support team is available to help with various needs, from medical assistance to travel arrangements, ensuring you receive the support you need during crucial times, and most anywhere.  

7. Cancel For Any Reason (CFAR) Coverage : AXA also offers an optional Cancel For Any Reason (CFAR) benefit on the Platinum Protection Plan. It allows you to cancel your trip for any reason, even if it's not covered under the standard plan, and receive reimbursement for your non-refundable trip costs up to a specified limit.   

Tips for Seniors When Buying Travel Insurance 

  • Start Early: You must purchase travel insurance for seniors right when you book your trip. This ensures coverage for trip cancellation or delay due to unforeseen circumstances, even before departure. 
  • Review Medical Evacuation and Repatriation Coverage: These are crucial for seniors, given the potential costs involved. So, you must carefully review plan details and possible exclusions before you purchase a policy. 
  • Check for Age Limits: Some policies may have age restrictions, so you are advised to confirm if you're eligible. 

It is also advised to carefully review the overall policy exclusions and limitations to be aware of what is covered and what is not covered by the insurance plan.  

Common Misconceptions About Travel Insurance for Seniors 

  • "It's Too Expensive": The travel insurance premiums for seniors might seem slightly higher due to factors like age and pre-existing conditions. But it's important to note that the right coverage can offer valuable protection in case of unexpected events. 
  • "I Won't Need It": Even the healthiest individual can face unforeseen situations like sudden illnesses, accidents, or trip disruptions. It's better to have travel insurance and not need it than to need it and not have it. 
  • "My Health Insurance Covers Me Abroad": Most domestic health plans offer limited or no coverage overseas, making travel medical insurance for seniors even more essential.   

FAQs About Travel Insurance for Seniors 

Q. can seniors with pre-existing conditions get travel insurance .

A. Yes, but you must specifically look for travel insurance for seniors with pre-existing conditions waiver. You must also check the details of any policy you're considering to see if there are any specific requirements to be eligible. For instance, AXA requires policies to be purchased within 14 days of your initial trip payment to qualify for their pre-existing conditions waiver.  

Q. How may I compare different travel insurance plans for seniors? 

A. You may compare the coverage limits, exclusions, and prices of different AXA Travel Protection Plans (Silver, Gold, and Platinum) here . You may also request a quote for your travel needs here . 

Q. Is there an age restriction for purchasing travel insurance? 

A. It varies by policy and provider, but there are options available for all age groups.   AXA's travel protection is available up to the age of 99.  

Q. How can I reduce my travel insurance premium? 

A. You may opt for a higher deductible, limit your coverage to essentials, or consider a multi-trip annual policy if you travel frequently. For a personalized solution, you may consult an AXA travel insurance specialist. 

Q. What should I do if I have a medical emergency abroad? 

A. In such a situation, you must contact your travel insurance provider's emergency assistance line immediately for guidance and support.  

Both domestic and international travel insurance for seniors protects your journey against both unexpected medical emergencies and interruptions. It's advisable to get a suitable travel insurance plan well in advance of your trip to ensure adequate coverage and benefits.  AXA's Travel Protection Plans offer a range of options for different needs and budgets to ensure a safe, secure, and enjoyable travel experience. So get a quote , find the most suitable plan, and be empowered to cross borders with confidence.   Disclosure: Always read the terms and conditions to understand what is covered and what is not covered by your travel insurance policy. This will help you make an informed decision that best suits your travel needs. 


Silberman S. (2022). The inequities in the cost of chronic disease: why it matters for older adults. National Council on Aging, Inc. https://www.ncoa.org/article/the-inequities-in-the-cost-of-chronic-disease-why-it-matters-for-older-adults 

Travel outside the U.S.. Medicare.gov. https://www.medicare.gov/coverage/travel-outside-the-u.s . 

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Travel Insurance for over 70s

Travel insurance for over 70s with pre-existing medical conditions.

If you have a pre-existing medical condition, our Over 70s Travel Insurance aims to provide cost-effective, high-quality cover.

Finding over 70s Travel Insurance can be difficult and costly. At Just Travel Cover, we believe everyone should be able to enjoy their holiday and find high-quality cover that enables them to travel with peace of mind – no matter their age. Just Travel Cover works with a range of specialist insurers to provide over 70s Travel Insurance with cover for hundreds of pre-existing medical conditions,  including short and long stay Travel Insurance within a single trip policy and annual Travel Insurance policies for seniors over 70.

Medical Travel Insurance for over 70s you can rely on

Just Travel Cover is here to help you find the right seniors Travel Insurance with medical conditions cover and compare policies. We will only show you policies that meet your age over 70, and any pre-existing medical conditions you may have. We compare multiple providers to help find the right Medical Travel Insurance for over 70s policy at the best price. The cost of medical treatment abroad can be extremely high, so to avoid any unexpected expenses, it is essential that you declare all pre-existing conditions when taking out an over 70s Travel Insurance policy.

We will usually show you bronze, silver and gold policies, so you can compare Travel Insurance over 70 and pick the best medical Travel Insurance option for you.

Medical Conditions Travel Insurance: Compare and Choose

Our online quote and medical screening engines enable you to compare medical Travel Insurance for over 70s quickly and easily. We want you to look forward to your holidays without the stress of finding a well-suited policy. If you have a pre-existing medical condition or need medical treatment abroad, Just Travel Cover is here to help provide cover and we will only show you over 70s Travel Insurance options that are suitable for your medical history, duration of trip, destination, and age. The comparison is done for you, so you can have peace of mind knowing you’re Over 70s Travel Insurance is tailored to your needs and offers protection should something go wrong.

Why Just Travel Cover

At Just Travel Cover, we understand that age is just a number and shouldn’t limit your ability to explore the world. Our commitment goes beyond offering affordable over 70 Travel Insurance for pre-existing medical conditions. We are award-winning and work diligently with a vast network of insurers to ensure our clients, including those over 70 with pre-existing medical conditions, find the best medical Travel Insurance for medical conditions tailored to their unique needs. Our transparent comparison process, dedicated to providing a range of Travel Insurance policies, sets us apart. Whether you’re seeking long-stay or short-stay Travel Insurance for over 70s, trust Just Travel Cover for unparalleled service and peace of mind.

Over 70 Travel Advice

Compare over 70 travel insurance, over 70s travel insurance faqs.

Frequently asked questions about Travel Insurance for people over 70 .

What is over 70s Travel Insurance?

Travel Insurance for over 70s is designed to keep you protected while you are on holiday, and leading up to your trip.

Standard Travel Insurance policies may have upper-age limits and not cover certain age groups, especially those over 70 with pre-existing medical conditions .

Just Travel Cover works with a wide range of Travel Insurance providers to provide policies with no upper age limit for those over 70 as we believe age should not be a barrier to travel.

How much does over 70s Travel Insurance cost?

How much you pay for over 70 Travel Insurance is not just based on your age, but also on where you’re going, for how long, whether the trip includes a cruise and your medical history. It also depends what level of cover you want/need – for example if your holiday costs £5,000 you only need £5,000 cancellation cover, but if the holiday costs £30,000 you’re likely going to want to ensure your insurance covers it.

When you get a quote from Just Travel Cover you will see a list of policies, sorted by price, based on your own circumstances, so we’re comparing prices for you to find the best possible deal from our insurers. If you do require a higher cancellation limit for example, you would need to speak to a member of our team directly to arrange. It may be the case that over 70s Travel Insurance is more expensive, but it depends on a case-by-case basis. Reach out to one of our experts to discuss your options today.

When should you purchase your over 70s Travel Insurance?

As Martin Lewis recommends, you should buy over 70s Travel Insurance ASAB, as soon as you have booked your trip – that’s because on single trip policies, cancellation cover starts immediately, so if something happens that means you can no longer go on your holiday, you may be able to claim back the money you have paid. On annual policies cancellation cover starts on the day your policy starts, which can be up to 90 days in the future. Terms apply.

Do pre-existing medical conditions affect the cost of my over 70s Travel Insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance . The policy will then cover the cost of care for any pre-existing medical condition you have had in the past or suffer from now.

Where can I go with over 70s Travel Insurance?

We know retirement often means more time to explore the world, and if you’re over 70 we can help find Travel Insurance that enables you to travel anywhere, as long as the FCDO does not advise against travel. Having the right policy in place will provide peace of mind that you’re protected should something not go to plan. Depending on where you’re travelling, you can get a single-trip policy for holidays:

  • up to 180 days if you’re aged between 71-75
  • 124 days if aged 76-79.

Annual multi-trip Travel Insurance is available if you’re over 70 too, with a maximum trip length of 45 days.

When you’re over 70, especially if you have pre-existing medical conditions , it’s important you have the right cover in place, so always look at what’s covered, as well as the price – this is not the same for all insurers.

When calculating the price of a Travel Insurance policy insurers will take a range of factors into consideration including your age and medical history, as well as where you’re going, how long for and whether you’re going on a cruise.

The price can also be impacted by the amount of cover you want/need, for example, if your holiday costs £30,000 you will need more cover than if it was £3,000.  We’ll compare prices from a range of insurers with bronze, silver and gold options,

Can I get Travel Insurance if I’m over 70 with a heart condition?

Yes, at Just Travel Cover we specialise in seniors Travel Insurance with pre-existing medical conditions and can provide cover for most heart conditions, including if you have had a heart attack. If you’re over 70 and have ever had a heart condition such as angina or an irregular heartbeat it is important you declare these when getting a quotation to ensure you’re properly covered while away.

Can I get Travel Insurance over 70 with diabetes?

Yes, our over 70s Travel Insurance policies can provide cover for type 1 and type 2 diabetes as long as this is declared when getting a quotation, alongside your age, any other medical conditions, destination, and length of trip. We will ask you a few questions regarding insulin and hospital visits before presenting several options to you from multiple insurers so you can compare Travel Insurance for over 70 and diabetes and choose the best policy for you.

Can I get Travel Insurance if I’m over 70 and living with cancer?

Yes, at Just Travel Cover we can help those over 70 and living with various types of cancer find over 70 Travel Insurance whether you’re in remission or not. We are able to provide cover for a wide range of cancers, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide Over 70s Travel Insurance with cancer cover. Find out more on our Travel Insurance with pre-existing condition page.

If I’m over 70, can I get Travel Insurance to cover mental health conditions?

Yes, if you’re over 70 and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. Mental Health Conditions fall under the bracket of pre-existing medical conditions and should be declared when getting a quote. Our over 70s Travel Insurance policies provide up to £15m medical cover and will provide the peace of mind you’ve got the right support if the unexpected happens. When answering our medical questions, you may be asked to call us – this is so we can explain the different terms for psychiatric conditions for each insurer and provide you with some options.

Do Just Travel Cover provide home insurance for over 70s?

While we specialise in Travel Insurance, we partner with Quotezone.co.uk to provide home insurance , including options for those over 70.

I am over 70 and need Ski Insurance for my holiday. Can Just Travel Cover help?

Yes, just add the ‘winter sports extension’ when getting a quote online or tell one of our sales advisors that you need winter sports ski cover when getting an over 70s Travel Insurance policy. Please note that we only offer the winter sports extension to travellers under 75. Quotes are based on your age, medical history, duration of trip and destination.

What should travellers over 70 look for in Travel Insurance, according to Martin Lewis?

Travellers over 70 should look for the following in Travel Insurance, based on financial expert Martin Lewis’ advice:

  • Medical Cover: High limits for medical emergencies and pre-existing conditions.
  • Pre-existing Conditions: Ensure all conditions are declared and covered.
  • Cancellation/Curtailment: Cover for trip cancellations due to health issues.
  • Age Limits: Policies that cover those over 70 without high premiums.
  • Repatriation: Cover for medical repatriation if needed.
  • Activities: Ensure coverage for any planned activities, especially if high-risk.
  • Emergency Assistance: 24/7 support in emergencies.

At Just Travel Cover, we can provide Travel Insurance for over 70s that fits this criteria.

Over 70s Travel Insurance

  • Compare multiple insurers
  • Bronze, Silver and Gold are available
  • Hundreds of pre-existing medical conditions covered
  • Emergency medical expenses up to £15 million per person
  • Cancellation cover up to £12,500 per person
  • Increased cancellation up to £32,500 available up to 74 and £27,500 between 75-79)
  • Baggage cover up to £3,000 per person

Compare Over 70s Travel Insurance Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all over 70s insurers

travel insurance compare for over 70s

Medical Travel Insurance can save you a small fortune, particularly when it comes to cruising, where it’s not uncommon for unwell passengers to be taken on to dry land for medical treatment. Subsequent transportation to mainland hospital facilities and treatment can result in huge medical bills. Declaring all pre-existing medical conditions will ensure you have the correct insurance to cover you for unexpected costs.

We’re Here to Help

Our online quote and medical screening engine enables you to compare and Travel Insurance for over 70s quickly and easily. Cancellation cover starts immediately from the moment of purchase  (on single-trip policies ) for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for your next holiday.

Instant Cancellation Cover

Whether you’re over 70 or not, your cancellation cover (single trip policies) will start immediately.

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Introducing Smart Luggage – a Just Travel Cover exclusive

Take the sting out of lost or delayed luggage with Smart Luggage: real-time payment of £50 if your luggage is delayed by 30 mins, and £500 if it is deemed lost after 48 hours – straight into your bank or PayPal account. Terms apply.

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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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Buying long-term care insurance in your 70s? Do this to keep costs down, experts say

By Jake Safane

Edited By Angelica Leicht

June 19, 2024 / 11:30 AM EDT / CBS News

Business photo shows printed text Long-Term Care Insurance

As you enter retirement, you often want to reduce financial risk while keeping your costs down to avoid running out of money. One way to potentially accomplish both lower risk and lower overall cost is to buy long-term care insurance , considering that nearly 70% of people over 65 need some form of long-term care for an average of three years, according to the U.S. Department of Health & Human Services (HHS). 

Because Medicare and traditional health insurance do not cover most forms of long-term care, like a home health aide or assisted living facility, having long-term care insurance in your 70s can help pay for these costs. It can also help avoid you having to rely on unpaid support from family, which can drain their finances.

"As with all insurance, the younger and healthier you are when you purchase it will come with lower premium costs and more coverage options. The ideal age to buy long-term care insurance is 60, but if you are still healthy as you hit age 70-75, it could still be possible to buy a policy for higher premiums," says Chris Orestis, president of Retirement Genius.

Find out what the best long-term care coverage options are for you .

That said, there are steps you can take to keep costs down when buying long-term care insurance in your 70s . These include the following:

Reduce your benefit duration

Unlike health insurance, which typically has policy limits that renew each year, long-term care insurance policies instead provide coverage for a set number of years once qualifying events occur. So, choosing fewer years of coverage can lower long-term care insurance's price.

"I would start with reducing benefit coverage to a four-year timeframe since this will cover the average length of care needed for most seniors," says Eleanor I. Johnson, founding principal at Highland Capital Brokerage.

As she points out, the average length of long-term care needed for men is 2.2 years and 3.7 years for women, according to the HHS, so having a four-year benefit duration would be sufficient for many people.

Learn more about how the right long-term care insurance policy could benefit you here .

Choose a longer elimination period

Long-term care insurance policies typically have an elimination period, which is the length of time between when a qualifying event occurs and when coverage actually begins. And the elimination period you choose can affect rates.

For example, "instead of selecting a 90-day elimination benefit start, a 180 elimination would lower the cost," says Allen Haney, co-founder and president of The Haney Company.

Reduce the benefits

Although you might ideally want a higher benefit amount to reduce financial risk, a lower benefit amount can help with long-term care insurance costs .

"The cost for $2,000 per month, or commensurate daily benefit amount, is roughly half the cost of a policy with $4,000 per month of coverage. Don't let the perfect, higher amount get in the way of buying something to defray your costs," says John Hearn, market president of The Benefit Company, an IMA Financial Group company.

Limit extras

Long-term care insurance coverage can vary based on the specifics you choose when completing a long-term care insurance application, but it might not be worth including various add-ons or extras above what a basic policy covers.

"Many long-term care policies offer inflation options and other bells and whistles that add premiums to a plan. Removing some of these non-essential riders to make the plan affordable is better than having no coverage at all," says Hearn.

For example, "paying for an annual cost of living increase after 70 may not be as valuable," says Haney.

Choose a hybrid policy

Lastly, consider other insurance options besides standard long-term care insurance.

If you're healthy, consider buying a hybrid life insurance/long-term care insurance policy, or enroll in an annuity with a long-term care ride, which could pay out tax-free income if you can no longer keep up with two or more activities of daily living (ADLs, the standard for long-term care insurance coverage), says Orestis.

Although a combined policy can cost more than a standard one, you could get more value out of the plan, and you might save money if you were planning to buy separate ones.

The bottom line

While long-term care insurance costs tend to get more expensive in your 70s, it can still be worth it to get a policy , assuming you meet long-term care insurance eligibility requirements, which generally means being in relatively good health. From there, you can adjust different policy levers like the benefit amount, benefit duration, and elimination period to lower costs, along with looking into alternative coverage options.

More from CBS News

Buying long-term care coverage in your 60s? 5 tips to compare policy options

Buying long-term care coverage in your 70s? 3 tips for getting approved

Why seniors should buy long-term care insurance and Medicare supplemental insurance, according to experts

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  • Best for customer satisfaction
  • Best for term life insurance
  • Best for retirement planning
  • Best for end-of-life care
  • Best for flexibility
  • Best for universal life
  • Best for guaranteed issue
  • Why you should trust us

Best Life Insurance for Seniors 2024: Reviews, Costs & Comparisons

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

Many retirees start thinking seriously about life insurance to pay for funeral expenses or to help take care of their family. However, as you age, your premiums increase. While the life insurance policies with the best rates and coverage might have passed you by, you still have options.

Best Life Insurance for Seniors of 2024 Summary

  • Best for customer satisfaction: State Farm Life Insurance
  • Best for term life insurance: Mutual of Omaha Life Insurance
  • Best for retirement planning: New York Life Insurance
  • Best for end-of-life care: John Hancock Life Insurance
  • Best for buyers flexibility: USAA Life Insurance
  • Best for universal life: Prudential Life Insurance
  • Best for a guaranteed issue: AIG Life Insurance

Compare the Best Life Insurance for Seniors

Seniors looking for life insurance often have different priorities than younger people who buy life insurance. For example, seniors are less likely to view life insurance as an investment vehicle just as younger people are less concerned about end-of-life benefits. As such, we've taken these priorities into consideration when selecting the best life insurance for seniors.

Best senior life insurance for customer satisfaction

State farm life insurance.

State Farm Life Insurance takes the top spot in JD Power's life insurance customer satisfaction study . JD Power gathers thousands of consumer reviews and gives each insurer a score out of 1,000. State Farm offers a range of insurance products, including auto, life, pet, homeowners, and renters, with multi-policy discounts and other incentives to keep your insurance there.

Some policies exclude seniors over age 65 from applying for the first time. But all life insurance policies are quoted by licensed insurance agents employed by State Farm. Meeting with a State Farm agent allows buyers to communicate goals and needs and answer critical questions agents might have. In addition, qualifying seniors can access limited whole, term, and universal life policies. State Farm is among the companies also offering survivorship universal options. Essentially, spouses can get insured together, and a surviving spouse can continue to make payments and increase the death benefit. Both spouses can also take out loans and other withdrawals against the policy once they meet the requirements.

K of Clewiston, FL, a verified reviewer on ConsumerAffairs , said, "State Farm is the best insurance company out there. They have great Life Insurance Policies to fit your needs…..Also, their prices are the most reasonable out there."

Read our State Farm Life Insurance review .

Best senior life insurance for term life

Mutual of omaha life insurance.

Mutual of Omaha Life Insurance  remains one of the industry's most stable life insurance companies. Its size allows it to be more flexible in its underwriting for specific populations, including seniors. Regardless of your age, a licensed insurance agent can sort through your options and find one that makes sense.

However, its term life insurance policy stands out for seniors applying for the first time or younger buyers looking to renew term life policies. Term life insurance policies with Mutual of Omaha are renewable for qualifying applicants up to age 94. Of note, not all applicants will qualify to renew policies beyond any age, as approval is based on health history and other factors. Many life insurance policies also require a medical exam. However, Mutual of Omaha stands alone as it does not cut off term life buyers over 65.

One important thing to highlight is Mutual of Omaha's availability to resolve consumer issues, even when it's not the company's fault. For example, Roger of Eagle, AK, originally left a complaint on ConsumerAffairs , and the company promptly responded. He later updated his review, saying, "Thank You Mutual of Omaha! Physicians Mutual Dental has informed me of my mistake. You are a fine company serving the life insurance needs of USA citizens and expats as well."

Read our Mutual of Omaha Life Insurance review .

Best senior life insurance for retirement planning

New york life insurance.

New York Life Insurance  caters to a forward-thinking customer. It offers many robust investment options. So its agents are extensively trained to answer all questions about its policies. Questions could be as simple as what penalties you'll pay to take early withdrawals or loans from your life insurance policy.

Like other retirement planning vehicles, the earlier you start, the better. Premiums will be lower, and you can apply for a large payout. But if you can afford higher premiums at a later age, New York Life still offers comprehensive policies with loans and early withdrawal options to take you into retirement. Riders can also customize its coverage. For example, whole life customers can buy a living benefits rider to withdraw money in the event of a terminal illness. Buyers can also add an accidental death rider until age 70 for an extra death benefit for loved ones. This satisfies borrowers who want stability but like the idea of a higher payout should they die in their prime working years.

New York Life's knowledgeable agents are highlighted by William of Starks, Louisiana, on ConsumerAffairs , saying, "They are willing to help and pay without hassle. They make sure all your needs are met. They check with you often to make sure your policy is up to date. If at anytime there are questions that need addressing they are readily available to help."

Read our New York Life Insurance review .

Best senior life insurance for end-of-life care

John hancock life insurance.

John Hancock Life Insurance is among many life insurance companies offering an accelerated death benefit, or "living benefits." Even if you don't want to use your life insurance for retirement planning, you have early withdrawal options to keep you comfortable in the event of a terminal illness. Buyers can exercise the rider at any age as long as waiting periods and other terms are met.

If you develop a qualifying condition, John Hancock will pay 50-100% of your qualifying death benefit while you're still alive. However, it caps accelerated death benefit claims at $1 million if you expect to live a year or less. This could help balance costly medical bills and end-of-life costs beyond what social security or disability payments would comfortably cover.

Read our John Hancock Life Insurance review .

Best senior life insurance for flexibility

Usaa life insurance.

USAA Life Insurance  policies are available to Americans from all walks of life, including military and non-military buyers. However, it offers unique whole life coverage to active duty military members beyond the government's equivalent of employer life insurance. USAA policies stick with the buyer wherever they work. With options for active duty military members, USAA is common among veterans with combat-related illnesses and disabilities sustained during deployment. Of course, buyers purchase these policies before the conditions become apparent.

USAA is among the limited life insurance providers still offering coverage with a history of cancer. Of course, not all buyers will qualify, and policy options are limited. Accounting for state laws, USAA life insurance policies may also pay out after a drug overdose (frequency may increase with more daily medications to treat age-related conditions) when other life insurance companies refuse. For seniors looking for a bit of flexibility, USAA could be an ideal option.

Read our USAA Life Insurance review .

Best senior life insurance for universal life

Prudential life insurance.

Prudential Life Insurance  offers survivorship options for life insurance shoppers. Unlike a standard life insurance policy, it covers two people. When one person passes, the policy continues growing as long as the surviving spouse continues making payments. The policy can increase to $65 million with a maximum age of 85. The two insureds cannot have an age gap of more than 25 years.

The PruLife SUL Protector program encompasses multiple categories such as the Preferred Best, Preferred Smoker, and Preferred Non-Tobacco. Universal life insurance policies with Prudential allow loans. So both parties can pull money out of the policy via loans at the cost of the final death benefit.

Read our Prudential Life Insurance review .

Best senior life insurance for guaranteed issue

Aig life insurance.

AIG Life Insurance cannot deny your application if you fall within the set age limits. That's thanks to guaranteed issue : two words many seniors and even younger applicants aren't used to hearing about life insurance. Seniors aged 50 to 80 enjoy guaranteed coverage with no medical exam, and the application is 100% online.

AIG policies are small, maxing out at $25,000. So this would be appropriate for funeral expenses and/or a small death benefit for surviving family members.

Read our AIG Life Insurance review .

Senior Life Insurance Options Ranked by Customer Satisfaction

J.D. Power conducts an annual study of life insurance based on reported customer satisfaction. Then it assigns companies a score out of 1,000, listing the top performers on its website. So if you're shopping for life insurance, the following companies are the ones J.D. Power readers had positive experiences with.

Why Seniors Need Life Insurance

Life insurance is often thought of within the context of a younger person passing away early. However, seniors can also benefit from taking out a life insurance policy, though the purposes and benefits are often different.

Final Expenses: Most life insurance policies available to seniors are final expense policies, which help cover funeral costs, medical bills, and other end-of-life expenses, relieving the financial burden on loved ones.

Paying off remaining debt:  When you pass away, your remaining debt doesn't evaporate. Your loved ones may inherit your assets, but they may also inherit your debt. If you don't have the means to pay off your debt, like a mortgage or medical debt, before you die, a life insurance policy can help your loved ones pay it off. 

Lost income:  Ideally, your senior years will be spent leisuring, preferably near a large body of water. Unfortunately, as the age of retirement keeps moving back, families are increasingly dependent on the income earned by older folks. As a result, life insurance may be needed to replace lost income when you pass away.

Legacy Planning: Even if your family doesn't have immediate need for money after you pass, you can still leave a strong foundation which your children and grandchildren can build upon. 

Types of Life Insurance for Seniors

Guaranteed issue life insurance.

Guaranteed issue life insurance is a type of no medical life insurance with low qualifications for applicants. As a trade off, it has high premiums and offers limited coverage amounts, usually only enough to cover final expenses like funerals and burials/cremations. As such, it's typically meant for older people between the ages of 50 and 80, and many providers have age minimums. 

While this policy is limited, that's by design. It really has one function, offering an option to seniors with poor health who wouldn't qualify for other life insurance policies. It'll ensure that your loved ones aren't left with large funeral bills once you're gone. 

Simplified Issue Life Insurance

Simplified issue life insurance , similar to guaranteed issue, doesn't require a medical exam, instead requiring you to fill out a health questionnaire. However, qualifications for simplified issue are higher, and you may be denied if you have a serious or terminal illness. While it's harder to qualify, your premiums are lower than guaranteed issue life insurance, and your coverage will be higher. However, your coverage will still be lower compared to coverage from other types of life insurance.

Term Life Insurance

Term life insurance is generally the cheapest life insurance because it does not guarantee a payout. Instead, you're covered for a specific term, usually 10, 20, or 30 years — though you'll find shorter and longer terms on the market. 

Term life is ideal for people who need coverage during a specific period in their life. For example, you may take out a term life insurance policy to cover your loved ones as you pay off a mortgage. If you pass away before the mortgage is paid off, the death benefits from your policy will help pay off the rest of your debts. 

Why You Should Trust Us: How We Review Life Insurance for Seniors

Our life insurance rating methodology looks at a few key factors. To ensure a fair and even playing field for insurance companies and customers, we look at customer satisfaction, financial stability, types of policies offered, average premiums, coverage exclusions, and more. We also factor in recent controversies and ways an insurance company may engage with and improve its community.

Factors such as customer satisfaction and average premiums are equally weighted. However, we are aware not all charitable efforts are recognized, and not all controversies are based on facts, so a company's engagement with its community and recent controversies are considered separately.

See our full methodology for how we rate life insurance »

Best Life Insurance for Seniors FAQs

There is an age limit on life insurance because ultimately, any insurance is a calculation of risk. As you age, an insurer's chances of a loss grow exponentially. As such, companies place stricter limits on coverage or don't cover seniors.

The best type of life insurance for seniors will generally be a guaranteed issue life insurance policy, as it doesn't require a medical exam and is generally restricted to people 50 and older. 

According to AARP, it takes one to two months on average for a company to pay out on a life insurance policy.

If you are 75 or older and don't have a life insurance policy, it is still worth buying life insurance to cover final expenses , but keep in mind that your options may be more limited (and more expensive) if you wait this long to find a policy. 

The cheapest life insurance for seniors depends on where you live and your insurance needs, but GEICO and Mutual of Omaha are known for offering affordable rates.

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    Yes, many providers offer dedicated over 70s travel insurance. Travel insurance aimed at the over 70s sometimes offers more medical and health cover than standard travel insurance - for example, cover for post-hospital aftercare and damage to medical equipment. Over 70s travel insurance is also more likely to cover pre-existing medical ...

  12. The Best Travel Insurance Plans for Seniors

    One of the best overall travel insurance plans for senior travelers: OneTrip Premier. OneTrip Premier offers our highest levels of protection, with all the benefits that 65+ travelers need: Trip cancellation benefits up to $200,000. Trip interruption benefits up to $300,000. Emergency medical and dental benefits up to $75,000.

  13. 65 Or Older? Here Are The Best Travel Insurance Plans

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

  14. Compare Over 70s Travel Insurance

    As a result, the higher your age the more expensive your travel insurance will generally be. For example, a 70-year-old with no medical conditions could pay around £19 for single-trip travel insurance - the same cover for an 80 year old could cost over 100% more at £44. [2] Pre-existing medical conditions will also push up the price of your ...

  15. How to Find the Best Travel Insurance for Seniors

    How to find the best travel insurance. Here are some tips to help you zero in on the best senior travel insurance policy for you: Shop around. It's important to research and compare policies from multiple insurers before buying one since every insurer weighs risk factors differently. Consider the type of coverage and premiums of various plans.

  16. Travel Insurance for Over 70s from £4.37

    Compare Over 70s Travel Insurance Quotes From £4.37. Access rewards on SuperSaveClub with your purchase¹. Includes medical equipment cover & cancelling a holiday for a medical reason. Cover for pre-existing medical conditions also included. Start a Quote. 4.7 out of 5 17,683 reviews.

  17. Compare Travel Insurance for Over 70s & Elderly

    What should your over 70s travel insurance cover? At PayingTooMuch, you can compare holiday insurance to suit your needs. Most policies come with standard cover, including protection against cancellations, medical emergencies, lost baggage and much more. But you can add or remove certain add-ons, to suit your trip type and needs.

  18. The Best Senior Travel Insurance Companies of 2024

    Here are our picks for the top travel insurance companies for U.S. seniors. All companies we've ranked as our top picks offer pre-existing conditions coverage or a waiver. Faye: Our top pick for ...

  19. Travel Insurance for Seniors: A Detailed Guide| AXA Partners

    Here are some key coverage options from AXA Travel Protection. 1. Coverage for Pre-existing Conditions: We understand that many seniors have pre-existing medical conditions. AXA offers plans ( Gold and Platinum) with pre-existing medical condition waivers. This also includes coverage for related medical emergencies.

  20. Over 70s Travel Insurance

    Over 70s Travel Insurance. Compare multiple insurers. Bronze, Silver and Gold are available. Hundreds of pre-existing medical conditions covered. Emergency medical expenses up to £15 million per person. Cancellation cover up to £12,500 per person. Increased cancellation up to £32,500 available up to 74 and £27,500 between 75-79)

  21. Travel insurance for over 65s: compare and find the best policy

    Yes - in our 2023 survey of travel insurance customers, those aged 65-74 paid, on average, 28% more than 55-64s. However the biggest hike in premiums comes in your mid-70s. We found over-75s paid 65% more than 65-74s. Whatever your age, it's always worth shopping around for travel insurance, but in your 70s the savings could reach hundreds of ...

  22. Travel Insurance for Senior Travelers

    Buying Annual Travel Insurance Over 65. If you're retired and a frequent traveler, you need yearly travel insurance. It's easy and affordable: You buy it once and you have coverage for all the trips and travel emergencies you might face in a year.

  23. Travel Insurance For Over 70s

    Insurance premiums are worked out according to claims statistics. And the over 70s are statistically more likely to put in a claim for medical treatment or cancellation of a holiday because of ill health. As a result, prices are often higher than they would be for younger travellers. However, travel insurance policies for older people usually ...

  24. Buying long-term care insurance in your 70s? Do this to keep costs down

    One way to potentially accomplish both lower risk and lower overall cost is to buy long-term care insurance, considering that nearly 70% of people over 65 need some form of long-term care for an ...

  25. Best Travel Insurance of June 2024

    Compare the Best Travel Insurance Companies. The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage ...

  26. Cheap Travel Insurance: Protecting Your Journey on a Budget

    Compare the Best Cheap Travel Insurance. The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies ...

  27. Best No Exam Life Insurance Companies of June 2024

    Compare No Medical Exam Life Insurance Plans. ... For applicants over age 45, AAA pays out 130% of the premiums paid up to the date of death for the first two years. ... She covered pet, travel ...

  28. Top Life Insurance for Seniors: Finding Affordable Coverage in Your

    Compare the best life insurance for seniors to get coverage for your needs. ... Some policies exclude seniors over age 65 from applying for the first time. ... travel, auto, and other common ...