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The Guide to Senior Travel Insurance

Ramsey Qubein

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

Table of Contents

The best senior travel insurance options

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

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

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

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

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

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

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

best travel insurance for seniors over 80

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

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

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

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

» Learn more: Does travel insurance cover medical expenses?

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

3. Travelers

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

4. Your travel provider’s own plan

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

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

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

» Learn more: The best cruise insurance

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

Compare plans

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

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

Consider existing coverage

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

Read the fine print

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

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

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

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

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

» Learn more: Best travel insurance options for older adventurers

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

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

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

Chase Sapphire Preferred Credit Card

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

best travel insurance for seniors over 80

  • Allianz Travel Insurance
  • John Hancock Travel Insurance
  • World Nomads Travel Insurance
  • Travel Guard
  • Travel Insurance for Seniors FAQs
  • Why You Should Trust Us

Best Travel Insurance for Seniors of March 2024

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you're covered if any health-related issues arise while you travel — which is where having the best travel insurance comes in.

Best Senior Travel Insurance

  • Allianz Travel Insurance : Best Overall
  • John Hancock Travel Insurance : Best for Expensive Trips
  • World Nomads Travel Insurance : Best for Exotic Trips
  • Travel Guard : Best for Annual Insurance

Compare the Top Travel Insurance for Seniors

Allianz Allianz Travel Insurance

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

John Hancock John Hancock Travel Insurance

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

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

AIG Travel Guard

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

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

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

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

Best Senior Travel Insurance Reviews

Having the right travel insurance will give you peace of mind while you travel and cover any losses incurred if you need to cancel your trip due to health issues. If you're 60+ years old, check out our top picks for senior travel insurance below.

Best Overall Travel Insurance for Seniors: Allianz Travel Insurance

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

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

Allianz Travel Insurance Review

Best Senior Travel Insurance for Expensive Trips: John Hancock Travel Insurance

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

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

John Hancock Travel Insurance Review

Best Senior Travel Insurance for Exotic Trips: World Nomads Travel Insurance

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years young, World Nomads suggests working with its partner, TripAssure .

World Nomads Travel Insurance Review

Best Senior Travel Insurance for Annual Policies: Travel Guard Travel Insurance

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

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

AIG Travel Guard Insurance Review

Understanding Travel Insurance for Seniors

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

Types of Coverage

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

Benefits of Travel Insurance for Seniors

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

Making the Most of Your Plan

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

Understanding Your Policy

  • Read the fine print and understand the claims process to avoid surprises.

Emergency Assistance Services

  • Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to Pick The Best Senior Travel Insurance for You

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

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

  • Travel medical coverage - This coverage will pay for your medical bills outside the US.
  • Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
  • Preexisting conditions - Coverage for known health conditions.
  • Cancel for any reason (CFAR) - The name says it all! It'll cost extra, but it's the most comprehensive trip cancellation coverage you can get.
  • Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
  • Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
  • Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

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

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

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

Senior Travel Insurance Tips

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

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. You can usually get a quote online directly from the insurance provider. You can also check a third-party comparison site, like travelinsurance.com, to see multiple coverage options in one spot.

When it comes to saving money on senior travel insurance, comparison-shopping is the name of the game. And remember to only insure the nonrefundable parts of your trip. If you bought fully refundable plane tickets, for example, there would be no need to insure those.

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

Most travel insurance policies will cover travelers up to age 80, and some even offer coverage up to age 99 or 100. The older you are, the more you should expect to pay for travel insurance.

Why You Should Trust Us: How We Chose the Best Travel Insurance for Seniors

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

  • Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
  • Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
  • Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
  • Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can find more details in our methodology for evaluating insurance companies .

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

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

**Enrollment required.

best travel insurance for seniors over 80

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Travel Insurance for Seniors & Retirees: 5 Top Picks

best travel insurance for seniors over 80

Allianz Travel Insurance »

best travel insurance for seniors over 80

Trawick International »

best travel insurance for seniors over 80

GeoBlue »

best travel insurance for seniors over 80

IMG Travel Insurance »

best travel insurance for seniors over 80

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

  • Rating Details
  • 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

Best Travel Insurance for Seniors and Retirees in Detail

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

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Christine Krzyszton

Senior Finance Contributor

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Keri Stooksbury

Editor-in-Chief

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

Why Purchase Travel Insurance

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

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

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

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

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

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

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

Travel insurance can cover the following situations:

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

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

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

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

What You Need to Know About Age and Travel Insurance

Ambulance Hospital Entrance

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

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

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

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

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

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

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

Couple with Medicare

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

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

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

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

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

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

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

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

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

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

Best Travel Insurance Options — Ages 65 to 69

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

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

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

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

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

World Nomads Quote

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

Secure your own quote from World Nomads .

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

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

Allianz Annual Plan

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

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

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

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

  • John Hancock
  • Seven Corners

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

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

Best Travel Insurance Options — Ages 70 to 79

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

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

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

Here are just a few companies that offer this waiver:

  • Travel Guard
  • Travel Insured

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

Age 80 with CFAR

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

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

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

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

Senior Travel

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

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

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

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

Does travel insurance cover COVID-19?

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

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

Does travel insurance cover preexisting medical conditions?

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

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

Does credit card travel insurance cover flight cancellations?

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

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

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

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About Christine Krzyszton

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

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Travel Insurance

Best travel insurance for seniors in March 2024

Amy Fontinelle

Heidi Gollub

Heidi Gollub

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

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

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Top-rated travel insurance for seniors

Tin Leg

Best plan for seniors

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

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

Pros and cons

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

Trawick International

Trawick International

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

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

Seven Corners

Seven Corners

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

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

Generali Global Assistance

Generali Global Assistance

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

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

Nationwide

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

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

Compare the best travel insurance for seniors

Methodology

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

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

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

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

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

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

What is covered by travel insurance for seniors?

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

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

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

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

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

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

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

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

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

How to choose the best senior travel insurance

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

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

How much does senior travel insurance cost?

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

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

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

Compare senior travel insurance rates

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

How to save money on travel insurance for seniors

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

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

More: What does travel insurance cover?

Is CFAR worth it for senior travelers?

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

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

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

More travel insurance for seniors resources

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

Best senior travel insurance FAQs

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

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

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

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

More: Is travel insurance worth it?

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

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

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

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

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

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

Amy Fontinelle

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

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

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June 1, 2020

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Personal Finance

Best travel insurance for seniors for 2024.

travel insurance seniors

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

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

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

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

Compare the best travel insurance for seniors

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

AIG

AIG Travel Guard

Pros & cons:.

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

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

Best for annual plans: Allianz

Allianz

Allianz Travel Insurance

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

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

Best for cruises: Berkshire Hathaway

Berkshire Hathaway

Berkshire Hathaway Travel Insurance

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

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

Best for medical coverage: Generali

Generali Global Assistance

Generali Travel Insurance

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

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

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

Best for budget travel: Nationwide

Nationwide

Nationwide Travel Insurance

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

ons is included with all plans.

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

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

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

Seven Corners

Seven Corners

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

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

Best for car damage insurance: John Hancock

Travelex

Travelex Travel Insurance

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

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

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

Best for traveling with children: Travelex

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

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

Methodology

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

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

How to choose the best travel insurance for seniors

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

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

Trip coverages

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

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

Medical coverages

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

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

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

Baggage coverages

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

Optional coverages

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

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

How to get international travel insurance for seniors

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

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

What factors determine the cost of travel insurance for seniors?

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

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

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

TIME Stamp: Consider buying insurance if you have travel plans

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

Frequently asked questions (FAQ)

How can seniors save on travel insurance.

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

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

What travel insurance is best for seniors?

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

Should seniors buy travel insurance?

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

Can a 70-year-old get travel insurance?

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

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

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Best Senior Travel Insurance Companies of 2024

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

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

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

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

Faye Logo

Top 9 Senior Travel Insurance Companies of 2023

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

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

Compare Senior Travel Insurance Companies

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

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Faye

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

Why Faye Is Great for Senior Travelers

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

Pros & Cons

Coverage & cost.

Faye offers the following add-on options:

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

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

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

Travelex

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

Why Travelex Is Great for Senior Travelers

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

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

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

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

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

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

Why Berkshire Hathaway Is Great for Senior Travelers

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

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

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

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

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

Nationwide Travel Insurance

Nationwide Travel Insurance

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

Why Nationwide Is Great for Senior Travelers

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

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

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

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

Generali Global Assistance

Generali Global Assistance

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

Why Generali Global Assistance Is Great for Senior Travelers

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

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

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

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

AXA Assistance USA

AXA Assistance USA

  • Sample trip cost: $440

Why AXA Assistance USA Is Great for Senior Travelers

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

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

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

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

Seven Corners Travel Insurance

Seven Corners Travel Insurance

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

Why Seven Corners Is Great for Senior Travelers

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

With Seven Corners, you can add extra coverages including:

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

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

HTH Travel Insurance

HTH Travel Insurance

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

Why HTH Is Great for Senior Travelers

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

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

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

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

International Medical Group

International Medical Group

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

Why IMG Is Great for Senior Travelers

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

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

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

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

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

How We Selected the Best Travel Insurance for Seniors

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

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

How Much Does Senior Travel Insurance Cost?

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

How To Pick The Best Senior Travel Insurance

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

Think About Selecting a Higher Deductible

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

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

Opt for Primary Medical Coverage

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

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

What Else Do Seniors Need To Know About Travel Insurance?

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

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

Is Senior Travel Insurance Worth It?

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

best travel insurance for seniors over 80

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

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

What is the best travel insurance for senior citizens?

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

Do I need travel insurance if I have Medicare?

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

Can you get travel insurance with a preexisting condition?

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

More Travel Insurance Resources

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

Other Insurance Resources From MarketWatch Guides 

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

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Methodology: Our System for Rating Travel Insurance Companies

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

Other Travel Resources:

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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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We may receive payment from affiliate links included within this content. Our affiliate partners do not influence our editorial opinions or analysis. To learn more, see our Advertiser Disclosure .

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

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

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What Older Travelers Need to Know About Getting Travel Health Insurance

Senior couple sitting on bench looking at sunny autumn view

While most of us tend to feel younger than we are — and are likely to be healthier and more fit than our parents were at our age — there's no denying that it's prudent for older travelers to think about purchasing travel health insurance coverage before taking a trip, especially when venturing outside the US. The odds of getting sick or having to address a chronic medical issue while traveling increase as we age.

At age 65 and older, many US citizens are eligible for Medicare (read about the eligibility requirements here ). Medicare, however, does not cover health care services or supplies for recipients traveling outside the country, except in rare cases.

There are three ways Medicare-eligibles can get health coverage while traveling abroad. Some specific Medigap policies (Medicare supplement insurance) provide this type of coverage. Travelers need to assess the type of Medigap policy they have and the specific circumstances under which coverage is provided. There's also Medicare Advantage and other Medicare programs (as opposed to Original Medicare) that may provide such coverage. Again, travelers need to determine the specifics of the coverage offered by their plans. But if neither of the above applies, older travelers should consider purchasing a travel insurance policy that provides health coverage.

We asked Stan Sandberg, co-founder of the travel insurance comparison site TravelInsurance.com , some health insurance questions that commonly arise for older travelers. This interview has been edited for clarity and length.

Related: Is Credit Card Travel Insurance Sufficient?

In general, how does age affect the cost of travel insurance?

Stan Sandberg: Similar to other actuarial-based insurance products, the older you are, the more costly your insurance will be. This is true both for medical-only plans and for trip cancellation insurance. The good news is that the travel health insurance cost increases related to age aren't as great as you might expect — especially if you are healthy with no pre-existing conditions.

A sample of 23 products we offer on TravelInsurance.com shows an average price increase of just under $85 for an 85-year-old versus an 80-year-old. For healthy buyers the same ages without a pre-existing condition , the increase is less than $35. And based on a $2,000 trip (looking across the same 23 products), the average premium for a comprehensive travel insurance plan, including trip cancellation coverage, is $109.25 for a 50-year-old; $140.90 for a 60-year-old; and $183.99 for a 70-year-old. So the increase is about 30% from ages 50 to 60, and about 30% from ages 60 to 70.

Do all, or some, policies have age limits?

Some policies, in particular travel medical policies, have an age limit. But for most trip cancellation policies, travelers won't start seeing fewer plans until they celebrate their 101st birthday!

What is the difference between annual travel insurance policies and single trip insurance for older travelers?

Annual plans cover multiple trips taken during a one-year period. Irrespective of age, however, the coverage limits of annual plans are cumulative, so a traveler could theoretically exhaust the benefits with a single claim on a first trip. Since seniors often have more time to travel, annual plans can be attractive to those who travel more than four times a year. But potential purchasers should carefully compare the costs and coverage of an annual plan with those offered as Medicare supplements.

What about obtaining insurance when you have pre-existing medical conditions? Is there any way around such exclusions?

Most policies exclude losses that stem from a pre-existing condition. (A pre-existing condition is defined as any prior injury, illness, disease or other type of medical condition for which a person sought care in the six to 12 month period prior to the effective date of the policy.) However, some policies offer a "pre-existing condition exclusion waiver" that allows coverage of pre-existing conditions. To qualify, purchasers must meet certain requirements. These typically include:

  • Purchasing the travel insurance policy within a defined time period (usually seven to 21 days from when the initial payment for the trip was made. )
  • Travelers need to insure 100% of their pre-paid and nonrefundable trip costs.

We recommend that travelers speak to a licensed agent and read the fine print before purchasing a policy with an exclusion waiver.

Senior couple cruising. Photo by GreenPimp / Getty Images.

What do travelers who do a lot of cruising need to know about travel health insurance?

Most travel insurance plan benefits apply to cruisers and non-cruisers alike, but some plans will have certain benefits [like] returning to land for medical evacuation that are designed specifically for cruisers.

What additional protections does trip cancellation and interruption insurance offer?

Although it adds to the cost, this option can cover the reimbursement of trip costs due to a range of unexpected circumstances — from last-minute illnesses to severe weather and natural disasters.

A Cancel for Any Reason (CFAR) upgrade offers the most flexibility, reimbursing up to 75% of total trip costs for a cancellation of any reason up to 48 hours prior to trip departure. This benefit also has to be purchased within seven to 21 days of the initial trip payment and 100% of pre-paid and nonrefundable trip costs need to be insured.

What is medical evacuation insurance? What does it cover?

Generally speaking, emergency medical evacuation coverage will pay for transportation to the nearest hospital or medical facility that can treat you if one is not available at your location.

The coverage may also cover Medical Repatriation or the cost of transportation back to the US when your condition improves and you're cleared to travel home. Policies may also include coverage for transporting children home if you are hospitalized for an extended period. Or if you're traveling alone, the coverage may pay to bring someone to your bedside if you have an extended hospital stay.

In the event of a death during a trip, some plans may also include Return of Remains coverage that would cover the cost of bringing back the deceased.

What are some other caveats to keep in mind when pricing travel health insurance?

Pricing can vary somewhat between states, so the state where you reside may affect pricing. And remember, even if you have coverage from a Medigap plan, it can have deductibles, lifetime coverage limits up to $50,000 and limitations on trip length.

If you are traveling in a group, you might ask the sponsor about the availability of group travel insurance. Group plans are designed for easy administration by a group leader, who manages member sign-ups and changes — and the pricing for group plans doesn't change based on a traveler's age.

Thus, for senior travelers, group policies may be more cost-effective compared to nongroup, individual policies. However, individual policies can have higher coverage limits and more options available if travelers want to tailor their coverage.

Related: The Best Credit Cards With Travel Protections

Bottom Line

Buying travel health insurance is complicated under any circumstances because it's difficult to compare products (policies) from different insurers and wade through the fine print. But for older travelers — for whom the costs of insurance tends to be higher and the purchasing options fewer — these decisions can be daunting.

Of course, travelers always need to first understand the benefits and limitations of the health insurance policies they currently have in place (think: Medicare and private health insurance) to determine what additional coverage is necessary to protect their health as well as the financial investment in a trip.

Third-party insurance sites — like TravelInsurance.com , Squaremouth.com and InsureMyTrip.com — can help consumers compare the provisions and costs of different policies and, hopefully, avoid potential landmines.

Comparison sites like these offer consumers the ability to chat online, speak to agents by phone, and/or correspond by email after hours to help answer specific policy questions. In addition, the sites can help connect travelers with insurance providers in the unlikely event of the need to file a claim.

Feature photo by Hero Images / Getty Images.

  • Older travelers insurance
  • Above 80 years

Best travel medical insurance for seniors over 80 years

As you grow older the risk of unexpected medical emergencies increase and even a minor illness can lead to hospitalization. While traveling overseas, travel health insurance for over 80 years old is important to protect seniors from huge medical bills. Visitor insurance for parents over 80 to USA are available and even offer travelers above 80 years pre-existing conditions coverage. We also have traveler insurance for 90+ years. Compare US travel health insurance over 80 years quotes and buy travel health insurance for seniors over 80 years online.

Compare best travel insurance for seniors over 80+ Years, Best travel insurance for over 85

Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Travel Medical USA Visitor Basic (by Seven Corners)

  • This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
  • Ideal for Non US citizens visiting USA
  • This plan is cheap and affordable visitor medical insurance.
  • For people from 80 to 99, the policy maximum options available are $50,000 and $100,000 per injury/illness.
  • If plan is purchased for 5 or more days are eligible for renewal however the total number of days cannot exceed 364 days.

Travel Medical USA Visitor Choice (by Seven Corners)

  • The medical maximum options available are $50,000 and $100,000 per injury/illness.
  • Renewable up to 3 years

VisitorSecure (by WorldTrips)

  • Ideal for travelers outside their home country
  • $50,000 lifetime maximum
  • This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
  • This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.

Visitor Care (by IMG)

  • Ideal for Non US citizens outside their home country
  • $10,000 coverage per plan life
  • Optional coverage for pre-existing conditions rider for heart attack or stroke up to $2,500

Visit USA (by Travel Insure)

  • Ideal for Non US citizens visiting USA.
  • Covers pre-existing conditions up to $2,500.
  • The minimum period of coverage is 5 days, maximum is 364 days.
  • Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense

INF Premier (by INF)

  • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
  • Full pre existing insurance with coverage for doctor appointments, blood tests, special care, urgent care and hospital stays.
  • Non US citizens and expats visiting the US are eligible for this plan.
  • Pre existing coverage of $15,000/$25,000 for age 70 -99 with deductible options of $1,000 and $5,000 are available
  • Policy maximum options for the plan is $100,000 with deductible options of $250; $500; $1,000; $2,500; $5,000.
  • Premier plan Covid travel insurance covers medical expenses from Coronavirus.
  • The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Standard (by INF)

  • Non US citizens and US expats eligible for the plan.
  • Covers all age groups including above 80 for any new sickness and injury.
  • Policy maximum options of $50,000 and $100,000 are available.
  • Deductible options of $250; $500; $1,000; $2,500; $5,000 are available.
  • Standard plan Covid travel insurance covers medical expenses from Coronavirus.

Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

safetravelscomprehensive logo

Safe Travels USA Comprehensive (by Trawick International)

  • Available up to the age of 89 years
  • Covers acute-onset of pre-existing conditions up to $15,000 except for any coverage related to cardiac disease or conditions
  • Safetravelscomprehensive plan Covid travel insurance covers medical expenses from Coronavirus.

Atlas America (by WorldTrips)

  • $10,000 coverage per certificate period

Patriot America Lite (by IMG)

  • This plan can be renewed for up to 2 years.
  • Patriot America Lite offers coverage for adventure sports and other sports activities.

Patriot America Plus (by IMG)

  • This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.

Intermedical (by Travel Insure)

  • Ideal for travelers outside their home country and outside USA
  • Satisfies Schengen Visa Requirements

Diplomat America (by Global Underwriters)

  • Ideal for Non US residents to USA
  • $20,000 coverage
  • 24 months waiting period for pre-existing condition
  • Diplomat America Covid travel insurance covers medical expenses from Coronavirus.

Diplomat Longterm (by Global Underwriters)

  • Ideal for US citizens and Non US citizens outside their home country
  • $20,000 coverage per certificate period
  • Covers unexpected recurrence of a pre-existing conditions up to $2,500 for US citizens only
  • Diplomat Longterm Covid travel insurance covers medical expenses from Coronavirus.

Patriot International Lite (by IMG)

  • Ideal for US citizens travelling outside the US
  • Covers pre-existing conditions up to $2,500

Patriot Platinum (by IMG)

  • Ideal for US citizens and Non US citizens
  • Patriot Platinum Covid insurance for USA offers coverage for coronavirus as a covered medical expense

Travel Medical Basic (by Seven Corners)

  • Including USA
  • Excluding USA
  • Ideal for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • For ages 80 years and over, the policy maximum option of $10,000 is available.
  • The age availability is 14 days to 80+years.
  • The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.

Travel Medical Choice (by Seven Corners)

  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • Satisfies Schengen visa requirements
  • Ideal for Non US citizens outside their home country to USA

Visit USA Superior (by Travel Insure)

Atlas premium america (by worldtrips), atlas premium (by worldtrips).

  • Ideal for US citizens travelling outside US

Atlas International (by WorldTrips)

  • Ideal for travelers travelling worldwide except US and Canada

Diplomat International (by Global Underwriters)

  • Ideal for travelers outside their home country but not to USA
  • Diplomat International Covid travel insurance covers medical expenses from Coronavirus.

GlobeHopper (by IMG)

  • Ideal for US citizens and US permanent residents travelling outside US
  • Must be qualified for Medicare, actively enrolled in Medicare Parts A & B
  • It require a separate application for individuals over 70 years

INF Elite (by INF)

  • Full pre existing coverage plan for Non US citizens visiting the US including doctor appointments, blood work, special care, urgent care, hospital stays...
  • Pre existing conditions covered for maximum of $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • Minimum purchase of at least 3 months is required.
  • Elite Plan Covid travel insurance covers medical expenses from Coronavirus.
  • The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Safe Traveler USA (by INF)

  • Best coverage for travelers coming to the US and Canada.
  • Covers any new sickness and injury and is a comprehensive coverage for age of up to 99.
  • Policy maximum options of $75,000 is available with a deductibles $50; $100; $250; $500; $1,000; $2,500; $5,000.
  • INF Traveler USA Covid travel insurance covers medical expenses from Coronavirus.

Visitors Protect (by IMG)

  • This plan is available for visitors traveling from their home country to the U.S., Canada, and Mexico
  • It is a comprehensive benefit insurance plan.
  • This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
  • Maximum limits from $50,000 to $250,000.
  • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.

INF Elite 90 (by INF)

  • Covers 90% of eligible medical expenses.
  • COVID-19 medically necessary testing & treatment covered as any other new sickness.

Compare visitors medical insurance for pre-existing conditions

Travel insurance over 80 years old with pre existing medical conditions.

There are some travel insurance for over 80s available, however, many of them exclude pre-existing conditions. This means that a travel insurance will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel insurance for 80 years that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some cheap travel insurance for seniors over 80 like Atlas America , Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

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Travel insurance for acute onset of pre-existing conditions

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Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, best seniors travel insurance for over 80 years, over 80 years travel insurance.

International travel has slowly started again after the complete lockdown due to the pandemic. However given the health risks for older travelers in light of the pandemic, it is very important to have visitors insurance for parents and senior travelers over 80 years. Senior Citizens can buy holiday insurance over 80 years by comparing travel insurance for the elderly over 80.

In the seniors travel insurance for over 80s facility, we also allow you to compare travel insurance over 85. Within our display comparing best over 80s travel insurance, we have a "filter" option for Senior citizens travel insurance over 80s with pre-existing conditions. Based on the travel insurance requirements for seniors we display the available travel medical insurance for seniors over 80s plans from top rated US insurance providers.

Older travelers insurance - FAQs

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus ) Sleep Apnoea.

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 plans that travel insurance with pre existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers best health insurance for visitors to USA with pre-existing conditions, including the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 . These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan , INF Elite 90 plan and INF Elite Plus plan .

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%. The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period. INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

You can apply for INF insurance online through American Visitor Insurance . You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

The maximum length of coverage for INF insurance is 364 days.

INF insurance is available for international visitors to the United States, Canada or Mexico.

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

There is a minimum purchase of 90 days required to buy these INF Elite plans.

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions. Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.

18. Can you get travel insurance if you are over 80? Do you have holiday insurance for over 80 year old travelers?

It is nice to see more seniors traveling both within the US and overseas, and it is important to have travel insurance for seniors over 80. To answer the question whether there is senior travel insurance for over 80 year old travelers - Yes, one can get US travel health insurance for over 80 years old travelers, however the coverage is limited and the price is quite expensive. Unfortunately there are no cheap travel insurance for seniors over 80, with even the limited fixed benefits senior travel insurance for 80 year olds to usa being quite expensive. Senior citizen travelers are encouraged to compare different visitors insurance for parents over 80 to usa plan options both for the price as well as coverage benefits before buying a US travel insurance for 80 year olds.

19. How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

20. Why is USA travel insurance for over 80s years so expensive? Why is travel medical insurance for seniors over 80 exorbitant?

There is no denying that travel insurance for the elderly over 80 years to USA is unfortunately extremely expensive. The main reason for this is that the cost of US healthcare is very expensive and the over 80 travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance over 80 plans to be very expensive is that there are specially designed travel insurance for over 80 years old travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

21. How to choose the best travel insurance for the over 80s?

Older travelers over 80 years have their own specific requirements for seniors travel insurance during international travel. It is important to know what is covered in travel insurance and what is excluded. There is no one best insurance that fits the needs of all travelers, so being well informed is very important. The decision of the best travel insurance for the over 80s depends on factors like the policy maximum, coverage for pre-existing conditions, look back period, coverage for trip interruption, and many more benefits. It also depends on the type of plan and the flexibility in the coverage. It is always recommended to choose comprehensive plans for their flexible coverage. The age of the traveler plays an important role in determining what is the best travel insurance for the traveler since older travelers are more vulnerable to healthcare needs while traveling outside their comfort zone.

22. What are the benefits of travel insurance for 80+ travellers?

80+ Travel Insurance is necessary to cover any medical expense incurred from unexpected sickness and injury when senior travelers are outside their home country. The importance has increased even more after the Covid pandemic and the Ukraine war and now most travel insurance plans provide coverage for Covid-19. Travel Insurance plans provide other important benefits like Medical Evacuation, Repatriation, and coverage for the acute onset of pre-existing conditions.

23. What happens if a older traveler above 80 years gets sick in USA?

Senior citizens aged 80 years and above can use Urgent Care clinics, make appointments at a doctor's office or go the hospital, if needed. However, seniors will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting the best travel insurance for seniors or US older tourist health insurance plan for the full duration of their stay in the USA.

24. Does US travel insurances for 80+ cover pre-existing conditions?

While most US travelers insurance plan do not cover pre-existing conditions, however some US travel insurance plans for 80+ cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.

25. How can I compare different travel medical insurance for seniors over 80?

Older travelers can easily compare different travel insurance over 80 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

  • The maximum medical coverage available for the age of the traveler
  • The cost of insurance and deductible and co-insurance expenses
  • The Preferred provider organisation (PPO) network of the insurance provider and user reviews
  • The coverage for pre-existing conditions and any exclusions and limitations of the policy
  • The customer assistance and emergency helpline of the insurer

26. How important is the visitors insurance for parents over 80?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

  • Medical expenses due to illness or injury
  • Trip cancellation or interruption due to unforeseen reasons
  • Loss or delay of baggage or personal belongings
  • Passport or travel document theft or loss
  • Emergency evacuation or repatriation
  • Legal liability or personal accident
  • Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

27. How much is travel insurance for 80 year old cost?

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

  • The age and health of the traveler (older the traveler, higher the cost)
  • The destination and duration of your trip (cost in US is most expensive)
  • The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)

Senior citizens international travel tips

What is the best us visitors insurance with pre-existing conditions coverage.

The best US visitors insurance with pre-existing conditions coverage is listed here:

  • The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  • Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  • Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years. The plan provides acute onset of non-chronic pre-existing conditions coverage..
  • Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  • Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  • Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Visitors Insurance for Senior citizen to USA Travel Insurance Links

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Travel Insurance for US seniors

Trip cancellation insurance for us seniors.

Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses ... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.

US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans . US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage .

Trip insurance with Cancel for any reason coverage

While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.

International travel insurance for US seniors with Medicare Coverage

Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.

Travel insurance for US senior citizens

Cruise insurance for senior citizens, acute onset of pre-existing medical conditions, resources for seniors travel insurance for 80+ travelers, travel insurance for seniors over 85.

Travel health insurance for senior citizens.

Medicare Coverage for Senior Citizens traveling overseas.

Older Traveler Insurance, Visitors insurance for elderly

Schengen Visa Insurance or Europe Travel Insurance for Senior citizens

Visitor medical insurance blog for Parents visiting family in the US

US visitor health insurance for seniors visiting USA

Green card holders senior citizen travel insurance

International travel insurance for older US citizens

Us senior citizen travel insurance.

Older US citizens more than 65 years traveling overseas must be aware of travel risk and importance of international travel insurance. These US older travelers should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States. The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.

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Best travel insurance over 80 years with coverage for Pre-existing Medical Conditions.

Popular travel medical insurance plans which have coverage for pre-existing conditions.

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International travel insurance resources for senior citizen travelers while visiting the US.

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Seniors Travel Insurance

Best Insurance for Older Travelers

To ensure you have enjoyable and safe travels, we suggest choosing the best travel insurance for seniors with international coverage. To make your selection more manageable, we will help you identify just what type of seniors international insurance you will need and how to purchase it.

As you reach the golden years of your life, travel should become more frequent, not the other way around. When you retire, you will have the time you have always dreamed of completing your bucket list. We recommend traveling as much as you can while you are able.

To ensure you have enjoyable and safe travels, we suggest choosing the best plans with international coverage. To make your selection more manageable, we will help you identify what type of international insurance you will need and how to purchase it.

What Coverage Do I Need as a Senior Traveler?

Because you are already in your senior years, you must get a check-up and review your health before purchasing travel medical insurance for seniors . To know what kind of senior travel insurance you will need, you should check your current health conditions, activities you will be participating in during the trip, and the travel duration.

Some countries have reciprocal healthcare arrangements with other nations. They may be more expensive, though, depending on the country. Generally, Medicare or other health plans do not cover emergency health care, so you need travel insurance to acquire similar benefits. It would help if you considered all of these points when shopping for senior travel insurance.

Read: Travel Medical Insurance Overview

What Are the Best Travel Insurance Plans for Seniors

Through research and experience, we have compared senior travel insurance plans that work best for seniors traveling abroad.

Blue Cross Travel Insurance:  An excellent option for U.S. Citizens - Learn More | Free Quote / Buy

Trawick Safe Travels USA: A great choice for visitors to the U.S. - Learn More | Free Quote / Buy

IMG Patriot Platinum : The best plan for internationals - Learn More | Free Quote / Buy

Through research and experience, we have compared plans that work best for more mature individuals traveling abroad. We have categorized the options based on age, citizenship, and budget to make it easier to decide which is the best travel insurance for seniors like you.

Do you need comprehensive coverage for living abroad? Read: Medical Insurance for Seniors Retiring Abroad .

Travel Insurance for U.S. Citizens Over 65-Years-Old

We recommend the GeoBlue Voyager  plan from Blue Cross Travel Insurance. It offers excellent service to seniors, and the maximum limit of the plan is $1,000,000.

Usually, insurers limit the maximum benefit amount to $10,000 or $50,000 for 65 years old and older travel insurance plans. The GeoBlue plan does better by providing an overall higher coverage limit for travelers 65-80+.

Best Travel Insurance for U.S. Seniors with Pre-Existing Conditions

GeoBlue Travel Insurance is also the best option for U.S. citizens seeking medical services and medical evacuation coverage for pre-existing conditions. The GeoBlue Voyager Choice plan provides coverage for pre-existing conditions to U.S. seniors who currently have a U.S. health plan, including Medicare.

This plan is a little more expensive but well worth the cost, considering the additional coverage and their excellent service.

BCBS Travel Insurance

GeoBlue Voyager Plan

  • For U.S. citizens up to age 95
  • Includes pregnancy coverage, baggage loss, trip interruption & more
  • 24/7/365 service and assistance

Budget Friendly Travel Insurance for U.S. Seniors

GlobeHopper from IMG offers senior travelers excellent benefits and services at an affordable price. U.S. seniors are eligible if they are 65 years or older and actively enrolled in Medicare Parts A and B and in a Medigap Plan or Medicare Advantage Plan.

It is ideal for seniors traveling abroad on a holiday or vacation and needing coverage for potential medical expenses incurred outside the U.S.

This senior travel insurance plan includes the following benefits:

  • Non-Emergency Medical Evacuation
  • Felonious Battery (where the client is the victim)
  • Inter-Facility Transportation
  • Limited to U.S. citizens currently enrolled in Medicare Parts A & B
For pricing and coverage: Request a GlobeHopper quote

Travel Insurance for Older Visitors to the U.S.

If your plans include a visit to the USA, you will want to ensure your insurance plan will cover the high costs of medical care in the USA. As high-quality medical care is available throughout the country, medical evacuation benefits may not be as high a priority. Below are two recommended plans for seniors traveling to the USA.

For visitors to the U.S. who are 65 years or older, we recommend the Trawick Safe Travels USA Comprehensive insurance plan. A maximum limit of $100,000 is available to senior visitors who are 65-79 years of age. Visitors to the U.S. who are 80 years and older are eligible for a plan with a maximum limit of $50,000.

Acute onset of pre-existing conditions is included in the Trawick Safe Travels USA Comprehensive plan. Benefits are payable up to the maximum policy limit purchased.

Request a Quote for Trawick Safe Travels USA

We also recommend the Atlas Travel Medical plan to non-U.S. senior travelers visiting the U.S. It is affordable and offers excellent service to seniors with maximum medical benefit amounts of $50,000 or $100,000 for ages 65-79 and $10,000 if you are 80 or older.

WorldTrips Atlas travel insurance

  • Emergency medical, evacuation, repatriation benefits
  • Choose between the basic and more extensive coverage
  • Meets Schengen visa insurance requirements
  • 24/7 worldwide travel and emergency medical assistance

Travel Insurance for Seniors 65-80+ for Travel Excluding the U.S.

For those of you traveling outside of the US , plans are typically more affordable as healthcare costs outside of the US are less expensive. At the same time, you have other considerations, as some countries have a lower standard of care or are more remote. In those cases, you would want to ensure you have access to the best doctors and hospitals, medical evacuation services, and other related benefits.

Again, for US seniors traveling abroad, the GeoBlue Travel Insurance plan is a great option. It will provide medical services, medical evacuation, repatriation, and coverage for pre-existing conditions. This plan is a little more expensive but well worth the cost, considering the additional coverage and their excellent service.

The IMG Patriot Platinum International plan is a great option for seniors seeking medical coverage while traveling outside of their home country but will not be in the US. IMG Patriot Platinum International does not provide coverage inside the U.S.

Patriot Platinum offers a policy maximum of $2,000,00 to seniors up to age 69, $100,000 to seniors 70-79, and $20,000 to seniors 80 and older.

International Medical Group (IMG) Logo

Patriot Platinum Travel Insurance

  • Maximum limits up to $8,000,000
  • IMG pays 100% of medical expenses in-network
  • Evacuation due to Natural Disasters & Political Unrest

best travel insurance for seniors over 80

Travel Insurance for Over 70 Years Old

For seniors aged 70 or older, there are additional considerations when buying travel insurance plans. Personally, you may have different priorities that you are looking for in your coverage. For plan benefits and costs, you will find increasing limits on the coverage benefits (lower medical benefits per trip) and increasing costs. Please review the table above for specific costs estimates and coverage limits.

Best Travel Insurance for Seniors Aged 70+

For US Citizens Traveling Abroad

For Travel to the USA or Globally

Benefits of Overseas Travel Medical Insurance for Seniors

As a senior traveling overseas, you may already have some health issues or medication you must monitor daily. If you have travel insurance and get injured or sick while on vacation, your senior travel insurance will cover your medical needs.

Please note that Medicare does not cover healthcare services outside the U.S. and its territories . There may be exceptions to this regarding Medicare benefits in Canada and Mexico, but only in certain circumstances.

Overseas Medical Insurance can guarantee coverage for any sudden injuries or accidents, and it can also ensure compensation if you need to interrupt your trip.

A note from the CDC : "Many health plans, including Medicare , will not pay for services received outside the United States. Also, consider purchasing  medical evacuation insurance , which will pay for emergency transportation to a hospital."

Travel Insurance Options for Seniors

Senior travel insurance will provide you with the security and comfort to enjoy your trip. Below are our insurance plan recommendations for travelers over 70 years old, including trip cancellation benefits, coverage for cruises, and international trips.

Best Trip Cancellation Insurance for Seniors Going Abroad

Trip cancellation coverage provides the same great coverage found in a senior travel insurance plan, along with the additional benefit of covering your travel costs should you have to cancel your trip.

Trip Insurance Plan for U.S. Seniors Traveling Abroad

Seven Corners Insurance

Seven Corners Trip Protection Insurance

  • Comprehensive trip protection for U.S. residents traveling abroad.
  • Optional rental car collision coverage available.
  • Optional Cancel for Any Reason coverage available (if eligible).

Seniors Travel Insurance

Travel Medical Insurance for Seniors

Coverage with travel insurance if you are over 65.

Many of our clients ask us: "What is the best travel insurance for seniors?" and "What benefits are included in a senior travel insurance plan?" People often have different priorities, so we are happy to provide a variety of options.

Frequently, trip cancellation is a priority, while others are more concerned with medical evacuation or repatriation benefits. The good news is you can have them all in one plan. None of these benefits individually add high costs to your plan, so trying to get one or the other to save a little money is not always the best option.

We advise clients to get a quality plan with comprehensive coverage for all bases. To help you choose the best travel insurance for seniors, make sure the following benefits are in your policy:

  • Emergency Evacuation
  • Repatriation of Remains
  • Hospital Room and Board
  • Ambulance Services
  • Trip Interruptions or Delays
  • Loss of baggage or personal items
  • Accidental Death Coverage
Related: Staying Healthy While Traveling as a Retiree

How to Compare and Buy the Right Plan

Most travel insurance companies provide basic – and sometimes limited – plans for seniors, with some simply covering them under their regular plans. Before applying for senior travel insurance, check which age bracket you fall under for specific plans. Age is a significant factor in determining premiums and benefits.

Next, you will need to confirm that your travel insurance plan covers the countries where you will be traveling. Some plans may only provide coverage in select countries.

Another thing to remember when buying senior traveler insurance is the maximums and deductibles of the plan. Some travel insurance companies offer reduced maximums or higher deductibles, depending on your health condition. The higher the risk that you will claim coverage, the more expensive the insurance plan will be.

Seniors Travel Insurance

There are three basic types of travel insurance that you need to know: emergency medical coverage, trip cancellation insurance, and 24-hour telephone assistance. Know the difference between each one to identify which is the best fit for your needs. Focus on the fine print and check the exceptions, exclusions, and free-look period of the policy.

We recommend that you compare the best travel insurance for seniors listed here and review the plans. It is advisable to get a free quote from us using the links above.

Make sure you compare possible plans side-by-side to get the best deal suited to your needs. Buying senior travel insurance can be time-consuming, but it does not have to be stressful. If you have questions that need clarifications, you can contact us, and we will be happy to guide you.

Our Recommended Travel Insurance Plans for Older Travelers

Atlas Travel Medical : Great for International / Non-U.S. Citizens - Learn More | Free Quote / Apply

Globe Hopper Senior Plan: Affordable plan for U.S. Citizens on Medicare A&B - Learn More | Free Quote

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

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Travel insurance for seniors over 80

Compare 9 brands that offer travel insurance for over 80s. get covered for pre-existing medical conditions, cruise holidays and covid..

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What you need to know

  • Many providers offer travel insurance for over 80s. This can include COVID insurance and cover for pre-existing conditions .
  • We made a list of travel insurers that can cover you if you are over 80 years old.
  • You can also use our travel insurance engine to compare quotes for free.

What is travel insurance for over 80s?

Travel insurance for over 80s works in a similar way to regular travel insurance, but there are some important factors to consider. You can still find travel insurance when you're in your 80s, although it may be more difficult. Some travel insurance policies may have age limits or restrictions on coverage for pre-existing medical conditions, so it's important to read the policy wording carefully and disclose all medical conditions when applying. You can compare policies from multiple insurers with the tool below.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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See over 80s coverage details from multiple insurers

Note: This information was last updated January 2023

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

Pre-existing medical conditions can make it more difficult to get affordable travel insurance. A pre-existing medical condition is one of the following:

  • An ongoing medical condition you have
  • A medical condition that is currently being (or has been) investigated or treated by a medical professional
  • If you take prescribed medicine, or have undergone surgery for a particular condition
  • Any condition for which you see a medical specialist.

3 Things to do when you're choosing a policy

Physician

1. Disclose all pre-existing conditions

Speak to the insurer's medical examiner and disclose all existing or known conditions. While this may raise your premium, the cost of a potential hospital stay would largely outweigh this small expense. Without full disclosure, you may not be covered if your insurer finds out that you have not been completely honest.

post

2. Get written evidence

Make sure any cover that you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS . This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.

Picture not described

3. Read the PDS.

Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.

Are there ways to find cheap travel insurance for over 80s?

Travel insurance for over 80s is typically more expensive than it is for younger people, to reflect the added risk of illness and injury for older travellers. But that doesn't mean you can't find cheap travel insurance for over 80s.

Here are 5 things you can do to save money on travel insurance:

Number 1

Airlines and travel agents usually add hefty commissions on top of the cost of a policy, so you can save money by shopping online and buying cover direct from an insurer.

Number 2

Adjust your excess

Many insurers give you the option to edit your excess . By switching to a higher excess, you can get a lower premium. Of course, you'll need to make sure you'll be able to afford the excess if you do claim.

Number 3

Look for discounts

There are often discounts, deals and special offers to help you save money on travel insurance. You could start by looking for online promo and coupon codes .

Number 4

Buy a joint policy

Travelling with a friend or relative? Instead of purchasing separate travel insurance cover, save money by combining forces to buy a joint policy.

Number 5

Compare policies

Get quotes from multiple insurers and see how they stack up against one another. Once you've found some policies in the right price range, compare their features to see what's covered and what's excluded.

Why you can trust Finder's travel insurance experts

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Frequently asked questions, can a 90-year-old get travel insurance.

Yes. Travel insurance can insure people up to 99 years old. Insurers including Travel Insurance Saver, SCTI and Tick offer cover for people over 90. Many can also cover pre-existing medical conditions provided you disclose them to the insurer.

What's the maximum age for travel insurance?

It depends on the brand. Some insurers won't cover anyone over the age of 65, while others will consider those over the age of 100 – that includes Tick Travel , Travel Insurance Saver and SCTI .

Is travel insurance more expensive for over 80s?

Yes. After the age of 50, travel insurance tends to get more expensive as you get older. That's because the risk of a claim to the insurer is generally higher.

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

Yes, you can get travel insurance if you have a pre-existing medical condition . However, the level of cover differs between brands. Some will provide travel insurance but won't cover any incidents that occur from your pre-existing medical condition, while others will insure your pre-existing medical condition in exchange for higher premiums.

Are my children and grandchildren covered under my senior's policy?

If you have any dependant children or grandchildren travelling with you, most insurers will cover them free of charge. That's as long as they are under the age of 18 (in some cases 24), are out of full-time employment and are listed on your policy.

  • Smartraveller: Advice for mature and older travellers
  • Finder: Travel Insurance for Seniors
  • Finder: Travel insurance with pre existing medical conditions

best travel insurance for seniors over 80

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

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Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

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COMMENTS

  1. Best Senior Travel Insurance Of March 2024

    Diamond. $560. Source: Forbes Advisor research of travel insurance sales data. Average costs are based on rates for two different trips for travelers ages 65 and 70, both with CFAR coverage and ...

  2. Best Travel Insurance for Seniors in March 2024

    Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

  3. Senior Travel Insurance: What to Know

    Learn how to choose the best travel insurance for seniors over 80 based on your trip, medical conditions, and existing coverage. Compare plans from different providers and find out what to expect from medical transportation, trip interruption, and more.

  4. Best Travel Insurance for Seniors Guide

    Best Senior Travel Insurance for Expensive Trips: ... For adventurous senior citizens over the age of 70 years young, ... Most travel insurance policies will cover travelers up to age 80, and some ...

  5. 5 Best Travel Insurance Plans for Seniors (Medical & More)

    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 ...

  6. Best Travel Insurance Plans for Seniors [Ages 65, 70, 80+]

    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 ...

  7. Best Senior Travel Insurance Companies Of March 2024

    Baggage loss coverage of $2,000 per person is the best among our top senior plans. "Cancel for any reason" coverage of 75% available. Cons. No "interruption for any reason" coverage ...

  8. Best senior travel insurance 2024

    Best for trip delays. Trawick International's Safe Travels Voyager senior travel insurance policy pays up to $250 per person, per day, for trip delays, with a maximum benefit of up to $3,000 per ...

  9. 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.

  10. Best Travel Insurance for Seniors for 2024

    Most expensive plan in our review. COVID-19 remains a concern for many seniors. Most plans' standard trip cancellation coverage doesn't pay if you decide to cancel because COVID has flared up ...

  11. The 9 Best Senior Travel Insurance Companies of 2024

    Top 9 Senior Travel Insurance Companies of 2023. Here are our picks for the top travel insurance companies for U.S. residents: Faye: Our top pick. Travelex: Our pick for budget travelers ...

  12. 65 or Older? Here Are The Best Travel Insurance Plans for Seniors

    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 ...

  13. Getting Travel Health Insurance for Older Travelers

    And based on a $2,000 trip (looking across the same 23 products), the average premium for a comprehensive travel insurance plan, including trip cancellation coverage, is $109.25 for a 50-year-old; $140.90 for a 60-year-old; and $183.99 for a 70-year-old. So the increase is about 30% from ages 50 to 60, and about 30% from ages 60 to 70.

  14. Travel Insurance For Seniors Over 80

    The following are some of the top plans on the market: Safe Travels USA Comprehensive. Patriot America Plus. Atlas America. Patriot Platinum. GlobeHopper Senior Insurance. Because many seniors over 80 are at a higher risk of illness and injury, it's important for them to have travel medical insurance, especially when traveling to the United ...

  15. Travel Insurance for Seniors over 70 and 80 Years Old

    Generally, you can expect a travel insurance policy to cost between 7% and 9% of the total trip cost. For those over 80 years old who require the most comprehensive plans, the cost may be higher. It is best to shop around to find the policy that best meets your particular travel needs.

  16. Best travel medical insurance for seniors over 80 years

    Best travel insurance for Seniors over 80 years. As you grow older the risk of unexpected medical emergencies increase and even a minor illness can lead to hospitalization. While traveling overseas, travel health insurance for over 80 years old is important to protect seniors from huge medical bills. Visitor insurance for parents over 80 to USA ...

  17. Best Travel Insurance for Seniors and Older Travelers

    Travel Insurance for U.S. Citizens Over 65-Years-Old. We recommend the GeoBlue Voyager plan from Blue Cross Travel Insurance. It offers excellent service to seniors, and the maximum limit of the plan is $1,000,000. Usually, insurers limit the maximum benefit amount to $10,000 or $50,000 for 65 years old and older travel insurance plans.

  18. Travel Insurance for Seniors Over 80

    Best Travel Insurance for Seniors Over 80. Travel insurance policies for seniors over 80 tend to have restricted policy maximum options, fewer benefits, and higher premiums. So, the best type of health insurance policy for seniors is those that offer an affordable premium by including a higher maximum limit for medical issues plus pre-existing ...

  19. Best travel insurance for over 65s 2024

    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 ...

  20. Travel insurance for over 80s

    Get a quote. 1cover. 1Cover provide cover regardless of age. However, anyone 80 years or over, cover is only available up to a maximum of 6 months per one journey and a $3,000 excess applies.

  21. 4 Best Family Travel Insurance Plans of 2024

    Who's this for? Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for ...

  22. Over 65s' cheap travel insurance: MoneySavingExpert

    Cheapest single-trip travel insurance for over-65s. These are our cheapest top-pick policies for individuals and families looking for single-trip travel insurance, split into three categories: Cheapest, from £22/week. These no-frills policies meet our minimum cover levels. Well-rated, from £47/week.

  23. Travel Insurance for Seniors over 80

    Find out why our 80s travel insurance offers the best specialised cover for you. Call Toll-Free Now! 5 days a week 1800-78 58 70 or Quote online . CALL. Trustpilot. ... Travel Insurance for Seniors over 80 . When you're over 80 with a pre-existing medical condition, it's essential to make sure you have adequate travel insurance. ...

  24. Compare Travel Insurance for Over 80s

    We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs. Join the thousands of satisfied customers who have highly rated our travel insurance comparison service. Based on 17,659 reviews.