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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

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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.

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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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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.

travel insurance over 70 long stay

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 Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

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

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.

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

travel insurance over 70 long stay

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

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 10:03 a.m. UTC March 6, 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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Travel Insurance for Seniors & Retirees: 5 Top Picks

travel insurance over 70 long stay

Allianz Travel Insurance »

travel insurance over 70 long stay

Trawick International »

travel insurance over 70 long stay

GeoBlue »

travel insurance over 70 long stay

IMG Travel Insurance »

travel insurance over 70 long stay

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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4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Home | Travel | 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

Planning on taking an extended trip soon? Long-term travel insurance is the perfect choice for travelers who are embarking on a long-term trip and need medical- and travel-related coverage.

Of course, insurance for long-term travel isn’t necessary for every traveler, particularly if you don’t take trips that are longer than three months. However, long-stay travel insurance is useful for anyone who is studying abroad, working abroad temporarily, taking a gap year, or simply traveling for a long period of time.

best long-term travel insurance

When I first moved to the US, I wasn’t sure if I would stay permanently, so I purchased a long-term travel insurance policy from Heymondo , knowing that it would save me money and give me coverage if I experienced any medical emergencies. It was exactly what I needed at the time.

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15% OFF your travel insurance

As soon as I decided to live in the US permanently, I switched to insurance with more medical coverage beyond emergency situations since extended-trip travel insurance is not suitable for expats who want routine medical care.

If extended-stay travel insurance is what you need, keep reading, because we have compared the best long-term travel insurance plans (Heymondo, World Nomads, Travelex, and SafetyWing) and can help you choose which of these is best for your trip.

What is long-term travel insurance?

Long-stay travel insurance coverage comparison

  • Long-stay travel insurance price comparison
  • Best long-term travel insurance companies

Long-term travel insurance is insurance for anyone taking a long-term trip who needs medical expenses and trip-related coverage. Any trip that lasts a minimum of 90 days and a maximum of one or two years (depending on the long stay travel insurance company) is considered a long-term trip.

Italy, insurance for long-term travel

Like other travel insurance, insurance for long-term travel provides medical- and travel-related coverage for incidents like emergency medical care, trip delays, baggage loss, and repatriation. It is not suitable, however, for anyone who is permanently living abroad, especially because it only covers emergency medical expenses and not routine medical care.

Long-term travel insurance vs. annual, multi-trip travel insurance

So, is long-trip travel insurance the same thing as annual, multi-trip travel insurance ? They might sound similar, but actually, insurance for long-term travel and annual travel insurance is completely different.

Bali, extended-trip travel insurance

Long-term travel insurance is insurance for long trips that last three months or more, while annual travel insurance covers multiple shorter trips that happen within one year. With annual travel insurance, trips are restricted to 30-90 days, so it’s not a useful option if your trip will last any longer than that. Annual travel insurance is also only helpful if you’ll be taking at least four or more trips a year.

If you are going on a single, long-term trip or are taking multiple trips within a year that will last longer than 90 days, long-stay travel insurance is the best choice for you.

Who is insurance for long-term travel for?

There are several reasons you might need insurance for long-term travel . You might be taking an extended trip, working abroad, embarking on a gap year, or more. Below are the most common and useful reasons for buying travel insurance for long-term travel :

Extended stay travel insurance for long trips

If you’re about to take a long trip that will last at least three months, you will definitely want to have travel insurance coverage, particularly for emergency medical expenses.

Long-term travel insurance will work out to be the most affordable option for your trip, especially if you don’t plan on returning to your home country before 90 days have elapsed. If you plan on going back home before 90 days have passed, then annual, multi-trip travel insurance might be more helpful for you.

Long stay travel insurance for working abroad

Are you about to be working from another country for an extended but temporary period? Having travel insurance for working overseas is a must, as it’s very possible that you’ll need emergency medical care at some point during your time abroad.

Remember to put your country of residence as your home country, not the country you will be working in temporarily. Otherwise, you will not be covered since long-term travel insurance usually does not provide coverage in your designated country of residence.

Travel insurance for expats

Although it may seem like a great idea to use long-term travel insurance as travel insurance when moving abroad , long-stay travel insurance is not intended for expats. Long-stay travel insurance only covers emergency medical expenses, so it’s not suitable for someone who lives abroad permanently and will need routine medical care and check-ups.

On top of that, whatever country you move to will now be your country of residence. Insurance for long-term travel does not generally provide coverage in your designated country of residence, so you may not be eligible for coverage anyway.

Long-stay travel insurance for students

It’s incredibly exciting to study abroad, but accidents and mishaps can and do happen, so avoid paying for emergency medical expenses and replacing stolen valuables with your own money by getting extended-stay travel insurance .

Having long-term travel insurance coverage will be especially useful if you plan on taking weekend trips to other countries that are close to the country where you are studying abroad; you can still receive the same coverage for those smaller trips (just make sure to select worldwide coverage or, if you’ll just be traveling in Europe, Europe/EU coverage).

Round-the-world trip insurance

Taking a long-term trip around the world is many people’s dream. If you are lucky enough to get to live out that dream, it’s easy to make sure your extended-stay travel insurance worldwide will cover you everywhere you want to visit.

Just make sure you select “worldwide” or “around the world” coverage when you purchase your extended-trip travel insurance . That way, you won’t have to buy individual long-term travel insurance policies for each country you visit. Best of all, you’ll be covered for any spontaneous stops you make while traveling the world.

One-way travel insurance, the best gap year travel insurance

If you’re planning on spending a full year traveling the world, travel insurance for long trips abroad is exactly what you need. You’ll benefit from worldwide emergency medical coverage, so you can receive treatment if you get injured or fall ill, as well as travel-related coverage for baggage loss and trip delays.

I recommend purchasing a one-way travel insurance plan from Heymondo or SafetyWing since both companies allow you to renew your plan from month to month. That way, if you end up coming home unexpectedly early, you won’t lose out on any money.

Insurance for digital nomads

ith so many jobs transitioning to working from home right now, it’s easier than ever to work remotely from anywhere in the world. If you have the opportunity to travel the world while working, take it, but make sure you purchase digital nomad travel insurance before you leave.

You’ll want your insurance coverage to include electronics (laptop, tablet, etc.) so that you can easily replace these crucial pieces of technology for working remotely if they get lost or stolen. Additionally, if you’ll be trying to check a lot of places off your travel bucket list, choose worldwide coverage so that you’ll have the freedom and insurance coverage to go wherever you want.

There can be many considerations to keep in mind when purchasing long-term travel insurance , but coverage is certainly the most important aspect to consider when selecting the long-stay travel insurance you want to buy.

Below, you’ll find a long-stay travel insurance comparison that shows you the differences in coverage among the Heymondo, World Nomads, Travelex, and SafetyWing plans.

Long-term travel insurance price comparison

If you want a better idea of how much long-term travel insurance costs based on the length of your trip and/or the specific coverage you choose, below is a chart comparing the prices of 1-month, 3-month, 6-month, 8-month, and 1-year long-term travel insurance as well as the prices of long-stay travel insurance, annual multi-trip travel insurance, and cancellation insurance.

The price of long-term travel insurance will be impacted by several different factors, including your age, nationality, and state of residence (if you live in the US).

To give you an idea of how much insurance for long-term travel costs, I’ve used the example of a 30-year-old American citizen who lives in Pennsylvania and needs worldwide coverage to generate quotes for this long-stay travel insurance price comparison .

Best long-term travel insurance

As you can see from the charts above, each of the four long-term travel insurance plans I compared has its merits.

Heymondo offers the highest emergency medical expense coverage, plus it’s the only insurance for long-term travel that pays your medical expenses upfront, so you don’t need to file a claim after your trip to get reimbursed. I will say, however, that it’s not the cheapest long-haul travel insurance and it does have a deductible of $100 for emergency medical expenses. Still, I do think it is the best long-term travel medical insurance if you want ease and convenience.

SafetyWing ’s Nomad Insurance also provides very good coverage, but their deductible for emergency medical expenses is $250. In spite of this slight drawback, SafetyWing stands out as the best insurance for digital nomads since you can sign up for a plan and it will automatically be renewed every four weeks.

Prambanan, long-term travel insurance

Travelex , on the other hand, has the cheapest travel insurance for long-term travel (for trips of six months or more). For shorter trips, there are other, cheaper options. Travelex’s plan has no deductible, but its emergency medical coverage is also very limited, so I would think twice before going on a long-term trip with such a small amount of coverage.

Last but not least, World Nomads offers the best gap year travel insurance. The emergency medical expense coverage is perhaps a little low, but it is at least higher than Travelex’s medical coverage. There is no deductible for medical expenses, but you will need to pay out of pocket and then file a claim to get reimbursed if you receive emergency medical treatment.

As you can see, the best long-stay travel insurance for you will depend on your needs and type of trip, so keep reading to learn more about each plan.

1. Heymondo , the best long-term travel medical insurance

Personally, I consider Heymondo the best long-term travel medical insurance since its Top plan provides the highest amount of emergency medical expenses and evacuation and repatriation coverage. It’s also one of the only types of travel insurance with COVID coverage that covers COVID testing required by a doctor. Moreover, you can easily extend your plan by anything from two weeks to eight months whenever you want to.

Heymondo, insurance for long-term travel

Best of all, you won’t have to worry about waiting to get reimbursed for medical expenses since Heymondo pays your medical expenses directly and upfront for you, removing the hassle of the claim-filing process. Heymondo also makes it easy to tailor your insurance for long-term travel to fit your needs since you can add optional electronic and/or adventure sports coverage to your plan.

Heymondo’s Top plan does have its limitations, though. There is a $100 deductible for medical expenses, which means you’ll have to pay $100 towards any medical bills before Heymondo pays the rest for you. This long-stay travel insurance also lacks trip cancellation coverage; you will need to buy that coverage independently here.

If you want cheap long-term travel insurance , Heymondo is ideal; its plans already provide very good value for the money, plus you can save an extra 5% on their insurance with the discount link below.

Heymondo is also the best travel insurance company for single trips. We currently have their travel insurance and have used their assistance app more than once. Heymondo has always been there to help us when things go wrong during our trips.

2. World Nomads , the best gap year travel insurance

If you’re taking a gap year, you’re probably interested in breaking out of your comfort zone and having a real adventure. In that case, World Nomads is the perfect travel insurance for living abroad for a year and trying new things.

World Nomads, extended-stay travel insurance

Its Standard plan includes adventure sports and activities coverage, so you can try everything from trekking and ice fishing to hockey and horseback riding and still be covered for accidents and injuries. Moreover, you’ll benefit from solid overall coverage for emergency medical expenses, evacuation and repatriation, trip cancellation, trip delay, and baggage loss.

Even better, there’s a $0 deductible for medical expenses, so you won’t have to pay a cent out of pocket toward your medical bills. However, World Nomads’ long-term travel insurance is the most expensive out of all the ones I compared, so if you want to save a lot of money and get similar or better coverage, Heymondo may work better for you.

3. Travelex , the best travel insurance for long-term travel

Travelex ’s Travel Select long-trip travel insurance has a lower amount of emergency medical coverage than the other insurance plans I have compared, and I personally wouldn’t feel protected traveling with such a low amount of medical coverage on a long-stay trip. However, Travelex is a viable option if you’re traveling on a budget for more than six months because it’s really cheap (and has a $0 deductible for medical expenses)!

Travelex, long-term travel insurance

Travel-related coverage is another story since Travelex has the highest amount of trip cancellation and trip delay coverage of all the plans I compared. It’s the best plan to choose if you anticipate experiencing any travel mishaps. You’ll also enjoy great baggage loss and evacuation and repatriation coverage.

If you would rather benefit from more medical coverage for a similar price, Heymondo is the best choice for you.

4. SafetyWing , the best insurance for digital nomads

SafetyWing ’s Nomad Insurance lives up to its name by being the best insurance for digital nomads . Not only is Nomad Insurance a cheap long-stay travel insurance , but it also provides a high amount of medical-related and baggage loss coverage.

On top of that, you can choose to have your insurance renew itself automatically every 28 days. Automatic renewal will save you time and money; ensure you don’t forget to renew so you’re always covered; and provide you with more flexibility if you haven’t decided when to end your trip yet. Just select a start date (but not an end date) when you buy Nomad Insurance and keep renewing until you want to go home, at which time you can select an end date.

Safetywing, long-stay travel insurance

Nothing’s perfect, however, and unfortunately, SafetyWing’s Nomad Insurance is no exception. There’s a $250 deductible for medical expenses, which means you’ll have to pay $250 out of pocket for medical treatment before SafetyWing will cover medical expenses for you.

SafetyWing also lacks trip cancellation coverage, which can be very useful if you have to cancel a trip due to weather, illness, injury, or many other reasons. If you want a lower deductible, go with Heymondo instead, and if trip cancellation coverage is important to you, choose World Nomads or Travelex .

What does long-term travel insurance cover?

The best travel insurance for long-term travel will usually include the following types of coverage:

  • Emergency medical expenses : This is probably the most important type of coverage as well as the coverage you are most likely to need while traveling. Accidents, injuries, and illnesses can happen at any time, so having emergency medical expense coverage will ensure that you don’t have to pay out of pocket for hospitalization or medical transportation.
  • Evacuation and repatriation : Hopefully, you’ll never have to use evacuation and repatriation coverage, but it is useful to have. Insurance for long-term travel with evacuation and repatriation coverage will pay for the transportation costs of taking you from a remote area to the nearest hospital or sending you back to your home country if you fall seriously ill or have an accident.
  • Trip delay : Unfortunately, travel does not always go smoothly; your flight could be delayed due to inclement weather or an airline issue. If that does happen, long-stay travel insurance ’s trip delay coverage will cover expenses, such as meals and accommodation, that are incurred because of a several-hour delay.
  • Baggage loss : Even when you take precautions to keep your belongings safe, there’s still a chance an airline could lose or damage your bags, or a pickpocket could take your purse. In any case, long-term travel insurance with baggage loss coverage will reimburse you for any valuables that are lost or damaged, so you won’t have to replace them with your own money.

Is long-term travel insurance worth it?

Ultimately, yes, long-term travel insurance is worth it for extended trips, working abroad temporarily, and taking a gap year. It’s also a great alternative for international student insurance . In all of these situations, insurance for long-term travel will ensure that you get the medical- and travel-related coverage you need without having to break the bank.

Zion, long-term travel insurance as travel insurance when moving abroad

As you’ve seen in the long-term travel insurance comparison chart above, Heymondo is the best long-stay travel insurance in terms of medical coverage. It offers the highest amount of emergency medical expense and evacuation and repatriation coverage.

Heymondo’s extended-stay travel insurance also provides the convenient flexibility of being able to renew your policy for periods from two weeks to eight months, which is perfect if you haven’t yet decided when you’ll end your trip. To top it all off, you can even get 5% off their insurance just for being a Capture the Atlas reader.

If you’ll be traveling for more than six months and you’re looking for the cheapest long-stay travel insurance, then Travelex may be better for you. Just be aware of their plan’s lower amount of medical coverage.

If you have any questions about long-term travel insurance, feel free to comment below and I will happily help you out!

travel insurance over 70 long stay

Ascen Aynat

Comparativa de los mejores seguros de viaje 2024 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

22 replies on “ 4 Best Long-Term Travel Insurance in 2024 (w/ Prices) ”

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Hi Ascen, we are US citizens and plan to spend about 6 months of the year in California and 6 months abroad. We have lived in California and in the past had insurance with our jobs which will now be no more. So the question is when we are are in California what is our insurance option so we can visit doctors, dentists etc. Thank you

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Hi Sonu, you need standard health insurance for California and travel insurance for traveling out of the States. Travel insurance won’t cover routinary medical appointments.

Let me know if you have any questions, Ascen

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Good day. Could I get overlapping coverages to address different issues? Does any of these cover rental car collision insurance during any portion of the stay? If not, what do you recommend for that?

Yes, you can hire different travel insurance to get different coverages. That is no problem.

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Hi my husband was diagnosed with mestatic melonma in 2021, Weve been traveling back and forth to Moffitt overvs year now. Weve paid out over $7000 just in lodging. Do you have a plan for this??

I’m sorry about that but there is no insurance that can cover that. That is not an unforeseen issue that occurred during a trip that is mostly what travel insurance cover.

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Hi There is an age limit on Heymondo 49+ not included. I am 60. Can you recommend any long stay travel insurance for this age group? Thanks Karan

Hi Karan, I recommend checking our article on senior travel insurance for the best options for you.

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Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage.

Hi Marisas, please take into account that these long-term travel insurance are travel insurance. That means that they don’t cover routine health checks or chronic diseases. They only cover you under unforeseen problems. For example, if you hire one of these long-term travel insurance and have a car accident during a trip and need surgery, the travel insurance will cover but it won’t cover cancer treatment, for example.

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Hi can you recommend a travel insurance for a 7 month European trip for wife and self age 59 CA residents- many thanks

Please check the coverage for the insurance recommended in this article and choose the one that is best for you.

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Hi Were planning to travel continuously for one year to Europe, Asia & med cruise. Is there a travel insurance that can cover this? Most insurances will require you to go back to your home country (US) after 60 to 90 days. Thanks

Hi Nate, I don’t believe you need to get back to the US with the Heymondo Long-Term Travel Insurance. Have you checked it out?

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Hi Ascen We are a male 57years and female 58 years and we are travelling to south Africa to include Botswana Namibia Mozambique,Angola Zambia and Lesotho, we are shipping our car from Australia into south africa and will be travelling for two years we both hold Australian and UK passports Could you please recommend a medical insurance for this trip , we are not to bothered about trip cancellation baggage etc any help would be appreciated We have used world nomads previously but would consider others as well Thank you ag and rg

Hi Antony, that trip sounds amazing! If you’re doing a long-term trip like that one, I recommend Heymondo since they pay all medical expenses in advance. Just be aware of the 100$ deductible per claim.

Said that their price is very competitive and they have very high coverage.

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Looking for long term insurance for cancel for any reason plus Covid coverage.

I recommend purchasing separately a long term travel insurance with Covid Coverage (I recommend this one ), and a cancel for any reason policy.

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Interesting that this features Travelex and then notes: “Can get similar or better coverage for a more affordable price” From whom?

As you can see in the different comparison charts (coverage comparison chart and price comparison chart), Travelex is the one with the lower coverage, by far, and it’s only worth checking for 6-month insurance or more.

Let me know if you have any questions,

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Hi! Do you know if you need basic medical coverage from your home country before purchasing any of these insurance plans presented above? My situation is a bit complex. I am a Canadian citizen currently living abroad (non-resident of Canada), therefore I have no basic Canadian health coverage. I am currently covered by the country I reside in (Qatar), however, once I leave, I will no longer have a residency permit and therefore no coverage here either. So when I leave, I won’t have coverage anywhere. I am planning on leaving to travel for a year, so I need long-term travel and medical coverage. Thanks!

Hi Melanie, no you don’t need it. You will need just long-term travel insurance and you will be covered wherever you go. Also in your home country as long that you’re traveling there and use the insurance just for emergencies (not regular checks, ongoing problems, chronic diseases, and things like that). In your situation, I think the long-term travel insurance of MONDO is your best bet.

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travel insurance over 70 long stay

Long stay travel insurance for over 70s: The biggest myth in the industry?

While the UK travel insurance market continues to develop, numerous myths might stop you from travelling. One such myth surrounds long stay travel insurance for over 70s, with many thinking this is impossible to secure. Fortunately, this is not the case!

Long stay travel insurance for over 70s: The biggest myth in the industry?

  • While historically challenging to find affordable long stay travel insurance for those aged over 70 - the market has changed.
  • Many insurance companies include long stay travel cover as part of single trip and multi-trip policies.
  • There is a growing trend for standalone long stay travel insurance cover for those into their 70s, 80s and 90s.
  • As competition continues to grow we have seen a significant tightening of premiums, benefiting consumers over 70 years of age.

Long stay travel insurance for over 70s: FAQs

Is it possible to buy long stay travel insurance if i am over 70 years of age.

Yes. As you can see from the above list, many insurance companies recognise the growing number of people over 70 years of age looking towards extended travel.

Are there age restrictions on long stay travel insurance?

While the conditions will vary from company to company, you may find there are age and/or trip duration restrictions on some policies .

Do these policies cover pre-existing medical conditions?

The vast majority of long stay insurance policies will cover pre-existing medical conditions where the insurer has been informed. However, it is important to clarify the situation prior to paying for travel cover.

What if my trip is extended over the maximum insurance term?

If you have travel insurance for 90 days , or another specified period, and your trip ends up being longer, you would not be covered unless you negotiated an extension or new policy.

When looking for travel insurance for over 70s , there appear to be several restrictions at first glance. You will notice that some of the leading travel insurance companies reduce the maximum cover for single travel and annual policies for older clients. So, where do you start if you are over 70 and looking to take an extended break? 

Thankfully, there are a growing number of insurance companies offering extended travel cover for over 70s . Let’s look at what’s available and from what providers.

While there are no age restrictions with Free Spirit, there are limitations on extended travel. On the surface, it would appear that Free Spirit does not offer extended travel insurance for those over 76. 

However, if the duration of your trip extends beyond the time or age limit restrictions, you can contact the company directly. They will be able to quote you for single trip cover for an extended duration, moulded around your particular requirements.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

  • Some restrictions based on age

While long stay travel insurance for over 70s can be challenging to find with some insurance companies, this is not the case with Globelink . This is available through the company's comprehensive annual insurance policy, offering:

  • Trip durations up to 15 months, extended to 18 months with prior approval
  • Long stay insurance is available up to 89 years of age

If you have any questions or queries, you can contact the company directly for more information .

Avanti offers a useful standalone long stay travel insurance policy if you're looking at extended trips. Further information is available on the website. However, the maximum length of cover reduces from 550 days if you're under 65 to 123 days if you're between 71 and 75. Consequently, it is sensible to contact Avanti directly to ensure you get the best deal for your travel plans.

Staysure offers a standalone long stay travel insurance package allowing over 70s to travel for extended periods. If you're between 71 and 75 years old, you can:

  • Travel to European destinations for up to 366 days
  • Travel to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, islands of the Caribbean and the USA for up to 123 days
  • Travel elsewhere for up to 184 days

Over 75s can travel anywhere for up to 104 days with a standard single trip policy.

Whether travelling in the UK or overseas, a Saga single trip insurance policy covers you for up to 120 days. The Saga annual travel insurance policy traditionally covers you for trips up to a maximum of 45 days. However, there is the option to extend this to 60 days or 90 days for an additional payment.

Allianz Travel Insurance

Allianz offers both single trip insurance, up to 180 days cover, and annual travel insurance, limited to 31 days cover per excursion. However, it may be possible to request an insurance quote moulded around your requirements.

AllClear Travel Insurance

AllClear Travel Insurance offers both single trip insurance for up to 94 days at a time, and annual travel insurance, limited to 45 days per trip as standard, but with the option to extend to 55 days. AllClear Travel Insurance also offers flexible long-stay travel insurance policies that you can tailor to your needs depending on destination and planned trip duration.

Medical Travel Compared

As Medical Travel Compared allows you to compare travel insurance policies from various providers, we cannot provide a definitive outline of cover parameters. However, such is the variety of policies available that you’re sure to be able to find a long-stay travel insurance policy for your needs, along with any other type of travel cover you may require.

Insurewithease.com

While not one of the mainstream insurers, Insurewithease.com offers an excellent package for those over 75 looking at long stay travel. The policy covers single trips of up to 3 months in length without any age limit.

RAC travel insurance is very competitive for over 70s looking at extended trips. There is no upper age limit on the single trip policy, which covers up to 94 days for any one trip. It is a little different for the annual multi-trip cover, with two of the three options offering up 62 days' cover per trip. However, the RAC Black Travel Insurance package covers a maximum trip of 92 days. The upper age limit for the annual multi-trip cover is 80 years of age at the start of the policy.

Post Office

Post Office travel insurance caters for over 70s, with some restrictions. When looking at economy, standard and premium single trip policies, they cover maximum trip durations for different age groups:

  • Up to 70 years of age, one trip of 365 days
  • 71 to 75, maximum trip duration of 90 days
  • 76 to 85, maximum trip duration of 31 days

The maximum trip duration for annual multi-trip policies is up to 60 days, but there may be an additional premium.

esure offers two packages: 

  • Single trip policies for those aged up to 84 with a maximum trip limit of 90 days. 
  • Cover for up to 45 days per trip for those aged up to 74 with a multi-trip policy. 

Sainsbury's

Many people prefer to deal with recognised brands, which prompted the likes of Sainsbury's to enter the travel insurance market. The single trip travel insurance policy has no upper age limit with a maximum trip duration of 94 days. The platinum annual multi-trip policy offers cover for a maximum of 92 days per trip. However, there is an upper age limit of 80 for this policy.

Keen-eyed readers will also note that Sainsbury's offers an extended stay travel insurance package. Unfortunately, while providing cover for up to 548 days, this policy has an upper age limit of 65.

Busting the myths of long stay travel insurance for over 70s

Thankfully, competition in the UK travel insurance industry has prompted the emergence of numerous companies offering long stay travel insurance for over 70s . While many people focus on overseas travel, most of these policies also cover UK trips. The only condition with UK trips is a minimum of two consecutive nights in recognised accommodation facilities.

It is essential to look at the detail for each insurance provider as some offer long stay travel cover as part of a:

  • Single trip policy
  • Annual multi-trip policy
  • Standalone long stay insurance package

Some travel insurance companies also offer an ad hoc service where they can provide a specific quote around the duration and destination of your intended trip. However way you look at it, there is significant competition and availability for those over 70 looking at extended travel insurance.

The UK’s leading travel insurance providers reviewed

June 1, 2020

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

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

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How to Buy Travel Insurance for Long Trips

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Calculate your trip costs with care.

When you’re buying insurance for your long trip, you’ll need to enter your actual trip costs in order to get trip cancellation/trip interruption protection. These are the non-refundable costs you pay ahead of time for your trip, not incidentals like meals or shopping. Trip costs may include:

  • Cruise fare
  • Train tickets
  • Other transportation costs
  • Hotel/lodging costs
  • Vacation rental costs
  • Tour or excursion costs
  • Tickets to shows, events or attractions
  • Ski lift tickets

It can be tough to remember everything when you’re planning an extended trip. When you’re getting a quote , click the little calculator icon in the Trip Cost field to get help adding everything up.

What if your trip costs increase before you leave, or while you’re traveling? Contact us if that’s the case, and we can help adjust your coverage.

Trip interruption benefits is especially important for long trips.

Trip interruption benefits can reimburse you for non-refundable, pre-paid trip costs when you have to interrupt your trip or end it early due to a covered reason. But that’s not all it covers. Trip interruption also can cover these costs following a covered interruption:

  • Extra accommodation fees, such as a single supplement fee from a cruise line, if you prepaid for shared accommodations and your traveling companion has to interrupt their trip.
  • Reasonable transportation expenses to continue your trip or return to your primary residence. Let’s say you’re spending months island-hopping in the Philippines when you get word that your sister is seriously ill. Your trip interruption benefits can reimburse you for the cost of your flight back to the United States.
  • Additional accommodation and transportation expenses if the interruption causes you to stay at your destination (or the location of the interruption) longer than originally planned. For example: You’re walking the Camino de Santiago through Portugal when you sprain your ankle. The injury isn’t severe enough to cancel your trip, but you need three days to rest and recuperate in a hotel. Your trip interruption benefits can reimburse you for the extra cost.

Even on the longest trips, Assistance is just a phone call away.

When you have Allianz Travel Insurance, you never travel alone. Every plan includes 24-hour assistance , accessible by phone or via the Allianz TravelSmart app . Our staff of multilingual problem solvers is here to help with medical emergencies and travel-related problems, wherever you happen to roam.

Related Articles

  • When's the Best Time to Buy Travel Insurance?
  • Your Guide to Choosing the Best Travel Insurance for Your Trip
  • Can I Buy Travel Insurance After Booking?

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, long stay travel insurance.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
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travel insurance over 70 long stay

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With long stay travel insurance from InsureandGo, your holiday doesn’t have to stop at a fortnight. We can cover trips of up to a whole year in length, whether you’re planning to travel the world or spend a season on the slopes.

What is long stay travel insurance?

Long stay travel insurance can cover your longer-than-average holiday, whether an extended 3 week stay or an epic round the world trip. If you’re going away for three or four weeks instead of the traditional one to two, then you’ll be pleased to know our standard   single trip policies will still cover you. In fact, they’ll cover a trip of up to 365 days!

This isn’t the same as annual travel insurance , which covers you for multiple trips during the year, rather than one long trip.

What does long stay travel insurance cover?

All of our long stay travel insurance policies include:

  • Cover for cancellation of your trip
  • Over   100 sports and activities covered (See   policy wording   for a full list)
  • Emergency medical expenses
  • Personal belongings and baggage cover
  • Personal money, passports and travel documents cover
  • Accommodation cover
  • Legal expenses cover

The excess and cover limits will vary depending on the level of cover purchased. Find out more in our   policy wording . Further items and activities can be added to your travel insurance policy, making sure you are covered for any specific needs.

Who is long stay travel insurance suitable for?

Long stay travel insurance is suitable for anyone! Our single trip policies can cover trips of up to a year, and have no upper age limits . So if you’re planning to travel around Southeast Asia on your   gap year   or volunteering for some charity work abroad, you’re in the right place to get a quote.

Does long stay travel insurance cover several countries?

It can! Just let us know the countries you’ll be travelling through and we’ll quote you a price for the whole trip. To choose the right long stay travel insurance policy for you,   get a quote online .

Does long stay travel insurance cover multiple trips?

No, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, check out our annual travel insurance instead.

Can I buy long stay travel insurance after booking a trip?

Some travel operators may require you to buy your insurance at the same time as booking your trip. Others are more flexible as long as you obtain your travel insurance before you depart.

Long stay travel insurance with medical conditions

We cover a wide range of medical conditions on our Silver, Gold and Black level policies, however long you’re travelling for, and we will never refuse to cover a   pre-existing medical condition   without prior consideration. We can usually cover any medical conditions with an additional premium, and medical cover on your long stay holiday is no exception.

You can check through our insurance   policy documents  for further details on long stay travel insurance with medical conditions we cover, or  get in touch  today for more information.

Does a long stay travel insurance cover me while working abroad?

If you’re working with hand tools, then conservation or charity work is included as standard under all our policies. We can insure you for manual labour too, but you would need to add our hazardous activities cover to your policy.

  • Unlimited emergency medical expenses available on Black level policies.
  • Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance for over 70s

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

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

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

Medical Travel Insurance for over 70s you can rely on

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

We will only show you policies that offer cover for your age over 70 and your specific medical conditions, making it easy to find and compare quotes tailored to your travel needs. We will usually show you bronze, silver and gold policies, so you can compare Travel Insurance over 70 and pick the best option for you.

Medical Conditions Travel Insurance: Compare and Choose

Our online quote and medical screening engines enable you to compare Travel Insurance for over 70s quickly and easily. We want you to look forward to your holidays without the stress of finding a well-suited policy. If you have a pre-existing medical condition or need medical treatment abroad, Just Travel Cover is here to help provide cover.

Why Just Travel Cover

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

Over 70 Travel Advice

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

Frequently asked questions about Travel Insurance for people over 70 .

What is over 70s Travel Insurance?

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

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

Just Travel Cover works with a wide range of Travel Insurance providers to provide policies for those over 70 as we believe age should not be a barrier to travel.

How much does over 70s Travel Insurance cost?

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

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

When should you purchase your over 70s Travel Insurance?

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

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

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

Where can I go with over 70s Travel Insurance?

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

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

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

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

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

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

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

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

Can I get Travel Insurance over 70 with diabetes?

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

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

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

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

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

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

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

Over 70s Travel Insurance

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

Compare Over 70s Travel Insurance Prices From These Insurers

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

travel insurance over 70 long stay

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

We’re Here to Help

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

Instant Cancellation Cover

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

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

Introducing Smart Luggage – a Just Travel Cover exclusive

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

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Over 70s Travel Insurance

  • Travel with confidence with Travel Insurance for the over 70s.
  • Our 5-star policies will give you peace of mind, so you can relax and enjoy your holiday.

Defacto Rated

What is Travel Insurance for over 70s?

Travel insurance for the over 70s is a type of a policy that covers the specific needs of older travellers, including health conditions. AllClear Travel Insurance offers specialised cover for senior travellers. All conditions. All ages. All destinations.

You don’t have to pay a fortune for over 70s Travel Insurance. AllClear Travel Insurance has many options to suit your budget and preferences. You can travel with peace of mind and enjoy your trip with AllClear.

Not sure where to go on your next holiday? We’ve got some incredible destinations to travel to for over 70s .

Travel Insurance with medical conditions for over 70

You’ll need Over 70s Travel Insurance, especially if you have a serious medical condition. Comprehensive Travel Insurance lets you make the most of your travel opportunities. 4 out of 5 over 70s (80% 3 ) we surveyed hope to have at least two holidays in 2023. Our Holiday insurance for over 70s is designed to let you travel with confidence and will protect you and your trip. Our policies provide medical cover if you have any unexpected medical emergencies while you’re abroad.

As a specialist Pre-exisiting medical Travel Insurance  provider, we offer tailored Travel Insurance to suit you and your medical needs, whichever level of cover you choose.

Whatever your age,  our Travel Insurance for over 70s offers cover for over 1,300 pre-existing medical conditions.  AllClear policies also include Superior Covid cover 2  as standard. Make sure you declare all pre-existing medical conditions when you buy your policy.

What’s a pre-existing medical condition?

A pre-existing medical condition is any condition you’ve been treated for, or have taken any prescribed medication for, in the last 2 years Some examples of pre-existing medical conditions we can cover are:

High Blood Pressure

High Cholesterol

Heart Conditions

Atrial Fibrillation

It is important you tell us these types of conditions when you but your travel insurance. Otherwise your emergency medical cover will be affected.

How much does Travel Insurance for over 70s cost?

Over 70s Travel Insurance policies cover pre existing conditions, as such, the cost of medical treatment has an impact on the cost of the policy. As a senior traveller, you should expect to pay more for your cover, but this is better than having to pay for huge medical bills. Travellers over 70 are more likely to make a claim. Much like younger drivers paying higher premiums for car insurance. However, age is not the only thing that matters. Here are some other factors that can influence the cost of your Travel Insurance policy:

  • Destination : Some places are riskier or more expensive than others for Travel Insurance. For example, if you travel to a country with higher crime rates or medical costs, your policy will be more expensive than if you travel to a safer or cheaper destination.
  • Trip length : The longer your trip, the more you will pay for your policy. You are exposed to more risks and uncertainties during a longer trip. If you are buying a single-trip policy, the price will depend on how long you are going away.
  • Pre-existing conditions : If you have any medical conditions, you must declare them when you buy your policy to ensure you have the correct medical cover. If you have pre-existing conditions, your policy may cost more because you are more likely to need medical attention while travelling. Find out how medical conditions affect the cost of Travel Insurance and which conditions may affect your choice of policy.
  • Optional extras:  You can tailor your Travel Insurance policy to suit your needs by adding extra cover for cancellation, baggage, winter sports, cruise, or golf. However, adding extra cover will also increase the price of your policy.

What does Travel Insurance for the over 70s cover?

Travel Insurance for over 70s provides the same cover as our standard travel insurance policy, with no age limits. We also provide cover if you have a serious medical condition.

What’s covered:

– Medical expenses: We can cover emergency medical treatment you require while travelling, including pre-existing medical conditions you’ve told us about.

– Medical aids: We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence.

– Medication: We will help you get a replacement for your vital prescription medication if you lose it during your trip, letting you stay healthy and safe.

– Repatriation: We may help you return home in case of an emergency, so you don’t have to face any extra stress.

– Lost Luggage: We will pay out if your baggage is stolen or damaged, so you can replace your important items and enjoy your holiday.

– Cancellation: Cancellation cover protects you for the cost of your holiday if you have to cancel due to an unforeseen emergency or reasons beyond your control.

– Travel disruption: We will help you cover alternative transport or accommodation if your travel plans are disrupted, so you can continue your journey smoothly.

What’s not covered:

– Medical conditions you don’t tell us about: We need to know your full medical history to give you the best cover possible in a medical emergency.

– Airline strikes that affect your travel plans: This is something that the airlines should deal with and compensate you for. They should also help you arrange alternative transport if needed.

– High-risk activities: These are not covered by our standard policy, but you can add extra cover for some activities if you want to.

– Accidents that happen when you are under the influence of drugs or alcohol: We want you to have fun on your trip, but we also want you to be safe and responsible. If you have an accident because of drugs or alcohol, we won’t be able to cover your claim.

– Traveling to countries that the FCDO has advised against: We offer worldwide cover, but we can’t cover you if you go to a country that the FCDO says is too dangerous or risky.

– Missed flights within your control: We understand that sometimes things go wrong, but we can’t cover you if you miss your transport because of poor time management or mistakes that you made.

– Choosing not to travel: We know that sometimes plans change, but we can only cover you for cancellation if you have a valid reason, such as illness, injury or bereavement. For full details please see your policy documents for full details of cover.

Letitia Smith

Our experts say…

“We believe that everyone should be able to travel, and the over 70’s are no exception. There’s an assumption that older people are either unwilling or unable to see the world. Our data shows that this is wrong, and that there are plenty of holidaymakers exploring well into their 70s, and beyond. However, more than any other group, senior travellers need to make sure they have comprehensive cover in place for their trip.”

Letitia Smith MSc, Travel Insurance expert

What types of Travel Insurance policy can you get?

Single trip travel insurance.

A single trip policy is perfect if you’re planning a single trip. Enjoy comprehensive cover for single trips up to a maximum trip length of 45 days.

Annual travel insurance

If you’re planning to take 2 or more holidays over 12 months, you could save time and money with an Annual multi trip policy.

Cruise Travel Insurance

Specialist cover for travellers hitting the high seas. Includes cover for cabin confinement, missed port departure and more, and standard cover for medical, baggage etc.

What countries does over 70s travel cover?

We provide over 70s travel insurance for every destination. However, the region of cover you need will depend on where you’re heading.

UK Travel Insurance

AllClear can provide cover for your UK trips for baggage and cancellation. However, we do not cover medical treatment in the UK.

Europe Travel Insurance

Get comprehensive cover for any European country and Egypt, Morocco & Tunisia.

Worldwide Travel Insurance

Travel Insurance for anywhere in the world. Choose whether to exclude the USA, Canada and the Caribbean.

Optional extras for the over 70s

With AllClear policies, you can tailor your cover to suit your individual needs. Optional extras can enhance your policy and give you the cover you need.

  • Gadget Cover: if you want extra protection for your electronic items.
  • Golf cover: if you’re playing golf on holiday, then golf cover can protect your equipment as well as other aspects of your golf holiday.

Do you need over 70s Travel Insurance if you have a GHIC card?

GHIC  ensures that UK residents will receive the same level of healthcare as residents in that country in Europe. The GHIC is valid in the 27 countries within the EU. The GHIC, however, will not cover all medical costs that you may incur while you are away. That’s why it’s essential to also have over 70s holiday insurance before you leave the UK.

Why choose AllClear?

Our dedication to customer satisfaction has helped us understand our customers. We always make sure that we put their needs first. Discover more about the AllClear experience from our over 70s travellers.

Getting quotes for Travel Insurance… painless!

“Getting quotes for Travel Insurance when you are over 70 and with pre-existing medical conditions can be a painful experience. It, therefore, came as a ray of sunshine to be helped through the process by an incredibly helpful and lucid young woman. No jargon, hard sell or questions that I (doctor) didn’t understand. From start to getting the quote took a fraction of the time with other insurers and was also very competitive. Highly recommended.” – Dr Henderson

What our Customers Say

Simple 3 step quote process, 1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes, over 70s cruise travel insurance.

In our recent survey, over 30% of over 70s said they planned to take a cruise in the next 12 months 4 If you’re taking a cruise holiday and you’re over 70, it’s vital that your policy includes  Cruise Travel Insurance . In addition to the standard cover, cruise cover for over 70s includes protection against;

  • Missed port departure
  • Cabin confinement
  • Unused excursions
  • Itinerary change
  • Cruise interruption

Need more stories to help inspire your next trip? Discover how AllClear cover helped an over 70’s couple with multiple medical conditions  keep on cruising .

Travel Tips for over 70’s

Whether you want to relax on the beach or have an adventure, our travel tips can help!

  • If you’re taking medication, speak to your GP before your journey. Ask about any adjustments you might need to make in different time zones. Always make sure you have enough medication to cover your whole trip, with some to spare in case of a delay.
  • Mention your needs ahead of time to your travel agent, hotel and airport staff. You might be surprised how helpful people can be
  • Cancellation cover starts as soon as your policy, so booking your Travel Insurance early can pay off. If you sort this out as quickly as possible, then you can tick another thing off the pre-holiday checklist.
  • Familiarise yourself with your Travel Insurance documents before travelling. A handy tip is highlighting all emergency numbers and contacts in case you need to use them or even saving them to your phone for ease of access.
  • Have you lost your documents? Speak to our friendly Customer Care Team via Live Chat or give us a call on 0800 640 4811, and we’ll get you a replacement copy.
  • Travelling with a group of friends or family? Consider  Group Travel Insurance.
  • Check the latest  travel advice from the FCDO  for your destination and any entry or visa requirements.
  • Go through our handy  pre-holiday checklist

Frequently Asked Questions

Why does travel insurance cost more when you turn 70.

The cost of travel Insurance usually increases with age, because older people tend to have more health problems and accidents that could lead to claims. Therefore, premiums rise to cover the higher risk.

Does Travel Insurance have upper age limits?

AllClear Travel Insurance cover has no upper age limit, so you older travellers can buy a specialist policy no matter their age.

What does Travel Insurance for over 70s cover?

Travel Insurance over 70 will cover you for medical emergencies, repatriation and cancellation costs. AllClear branded policies also offer cover for the loss or damage to personal property. We also cover travel delay cover. So that you and your belongings are safe while travelling to and from your destination and while you’re there.

Most importantly, it’ll give peace of mind, enabling you to relax and enjoy your trip.

When should you buy Over 70s Travel Insurance?

You can buy your Over 70s Travel Insurance before or after you’ve booked your trip, but it must be before you travel.

Our Single trip Travel Insurance policies can be purchased 12 months before your holiday. As soon as you have purchased your policy, the cover begins immediately if you have included the cancellation cover. An Annual multi-trip Travel Insurance can be purchased up to 31 days before your first trip.

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 19 January 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

3 From 1,836 responses in the AllClear Annual Survey Jan-Feb 2023

4 From 3,901 responses in the AllClear Annual Survey Jan-Feb 2023

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Over 70s Travel Insurance Policies

As you become older, getting travel insurance can become more difficult and more expensive. But this is the time that you’re coming into the prime of life and have more time available to travel the world and take more holidays ! Difficulty in obtaining travel insurance shouldn’t stop you seeing all the places you want to around the world, and at Navigator, we want to make it as easy as possible for you to get suitable travel insurance cover.

Getting travel insurance over 70 years of age can be challenging. Many companies will be concerned about covering people in the later stages of life as there is more likelihood of a medical problem and them having to pay out. But this is the time you should be out enjoying yourself and exploring the world, so at Navigator, we have travel insurance policies for over 70s which are both affordable and hopefully offer suitable cover levels.

Unless you’re a silver adrenaline junkie, then it’s unlikely you’ll be looking for a travel insurance policy with extreme sports cover or other adventure sports . However, you might want a policy which covers golf , sailing or other less strenuous activities. If you enjoy being out at sea and visiting different places then we have cruise travel insurance , or family holiday insurance policies if you are travelling with loved ones and would be better suited to cover for the whole clan.

At Navigator, we want to make travel insurance as simple and straightforward as possible. The cost or the complexity shouldn’t deter you from taking your dream holiday, so if there is anything which isn’t clear on the website then don’t hesitate to give us a call or send an email . Whether you over 65 , over 70 or over 80 doesn’t matter to us, we just want to help you find the right travel insurance policy for your needs, so that you have the peace of mind to relax and enjoy your holiday.

If you’ve read everything you need to know, then why not get a quote online right now!

Find out the best possible price for your travel insurance

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Annual Multi-Trip

Cover for multiple trips.

  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

  • Extended backpacking
  • Career breaks
  • Volunteering
  • Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free

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Holiday Makers

Families, couples or individuals.

Families, couples or individuals on holiday or business trips for shorter durations.

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gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.

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Sports & Adventures

Skiing, snowboarding, climbing and more.

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

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

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

travel insurance over 70 long stay

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

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

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travel insurance over 70 long stay

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  1. The BEST long-stay travel insurance rates

    travel insurance over 70 long stay

  2. Best Travel Insurance For Over 70s Uk

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  3. Seniors Travel Insurance

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  4. Best Seniors Travel Insurance Over 65 Quotes [Compare Rates]

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  5. Can you get travel insurance for over-70s?

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  6. What Is The Best Travel Insurance For Over 70

    travel insurance over 70 long stay

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

    Tin Leg. $844. COVID coverage. World Nomads. $74. Active travelers. * Cost refers to the basic coverage cost if multiple options are available. There are various coverage options and price points ...

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

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

  4. Best Long-Term Travel Insurance

    Trips longer than 45 days are excluded from coverage with this plan. Travel Guard. $259. Travelers going to destinations where safety may be a concern, as security evacuation is included in the ...

  5. Senior Travel Insurance: What to Know

    Here are a select few senior travel insurance options for people 65 and older. 1. Allianz. Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments ...

  6. Best Senior Travel Insurance Companies Of March 2024

    Pros. 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 ...

  7. 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 ...

  8. 4 Best Long-Term Travel Insurance in 2024 (w/ Prices)

    Long-stay travel insurance. Purchase for 3 months, then renew as many times as you want for up to 8 months at once. You can buy up to 6 months at once. You can buy up to a year at once. You can buy up to a year at once or renew every 4 weeks. Annual, multi-trip travel insurance. $197.96.

  9. Long stay travel insurance for over 70s: The biggest myth in the

    Staysure. Staysure offers a standalone long stay travel insurance package allowing over 70s to travel for extended periods. If you're between 71 and 75 years old, you can: Travel to European destinations for up to 366 days; Travel to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, islands of the Caribbean and the USA for up to 123 days

  10. How to Buy Travel Insurance for Long Trips

    Some have a maximum trip length of 45 days; for others, it's 90 days. Allianz Global Assistance offers four plans that can protect trips of up to 180 days: OneTrip Basic is an economical plan with emergency medical and other post-departure benefits. Trip cancellation and trip interruption benefits have maximum limits of $10,000, so make sure ...

  11. Compare Over 70s Travel Insurance

    For example, a 70 year old with no medical conditions could pay around £19 for single-trip travel insurance - the same cover for an 80 year old could cost, on average, over 100% more at £40.52. [2] Pre-existing medical conditions will also push up the price of your cover. The main reason travel insurance costs more when you have a medical ...

  12. Long Stay Travel Insurance

    All of our long stay travel insurance policies include: Cover for cancellation of your trip. Over 100 sports and activities covered (See policy wording for a full list) Emergency medical expenses. Personal belongings and baggage cover. Personal money, passports and travel documents cover. Accommodation cover. Legal expenses cover.

  13. Over 70s Travel Insurance

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

  14. Compare Travel Insurance for Over 70s & Elderly

    Level of cover - If you need a higher level of medical cover, it will cost more. Age - The older you are, the more expensive your travel insurance will be. This is because there's a higher risk of illness and injury both before, and during your trip. Explore specialist cover for holiday goers over the age of 50 and 60 and find the right ...

  15. Compare Long Stay Travel Insurance

    Annual multi-trip insurance policies will cover you for two or more trips within a year since you took out your policy. You will be covered for multiple trips but each trip can only be a maximum of 31 days. This cover is only for multiple short trips during the year you're covered. It isn't suitable for long-stay trips.

  16. Long-stay Travel Insurance

    Over 70s travel insurance. Winter sports insurance. Business travel insurance. Ski insurance. bottom sentinel. Guides & Tools ... It's not uncommon for long-stay travel insurance to have a minimum age too. It's usually 18, but some are available for 17 year olds. Annual versus long-stay insurance.

  17. Travel Insurance For Over 70s

    Cover from just £6.88*. *Based on an individual aged 31 with no pre-existing medical conditions taking single trip cover for 7 days to France. Cover starts on June 24, 2024 and ends on June 30, 2024. Price correct as of February 2, 2024. Get a new quote.

  18. Compare Long Stay Travel Insurance

    Long stay travel insurance is designed to cover you for longer trips away from home. While annual travel insurance, also called multi-trip travel insurance, is designed to cover travellers for two or more shorter holidays within the same year. There will normally be a limit on the amount of time you can travel consecutively.

  19. Travel Insurance for Over 70s: Comprehensive Cover with AllClear

    Comprehensive Travel Insurance lets you make the most of your travel opportunities. 4 out of 5 over 70s (80% 3) we surveyed hope to have at least two holidays in 2023. Our Holiday insurance for over 70s is designed to let you travel with confidence and will protect you and your trip. Our policies provide medical cover if you have any unexpected ...

  20. Travel Insurance for Over 70s

    Travel insurance is designed to cover you for unforeseen events and emergencies that may happen while you're on holiday, such as: Needing medical treatment. Holiday cancellation. Lost passports. Stolen or lost baggage. Travellers over the age of 70 can qualify for standard travel insurance, covering all the above, but cover can often be more ...

  21. Holiday Travel Insurance for Over 70s

    Over 70s Travel Insurance Policies. As you become older, getting travel insurance can become more difficult and more expensive. But this is the time that you're coming into the prime of life and have more time available to travel the world and take more holidays!Difficulty in obtaining travel insurance shouldn't stop you seeing all the places you want to around the world, and at Navigator ...

  22. Get a Travel Insurance Quote

    Single trip travel insurance for over 70s. Single trip cover is suitable for trips up to 120 days long, perfect if you enjoy escaping the British winter for weeks at a time on a long stay holiday or perhaps you divide your time between the UK and your holiday home abroad.. Of course, it's just as good for a weekend hop across the Channel or a short break within the UK.

  23. What Does Travel Insurance Cover? Key Features Explained

    Travel insurance is intended to cover risks and financial losses associated with traveling. Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.