U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

travel insurance for seniors over 80

Allianz Travel Insurance »

travel insurance for seniors over 80

Trawick International »

travel insurance for seniors over 80

GeoBlue »

travel insurance for seniors over 80

IMG Travel Insurance »

travel insurance for seniors over 80

WorldTrips »

Why Trust Us

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

Table of Contents

  • Rating Details
  • Allianz Travel Insurance
  • Trawick International

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

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

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

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

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

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

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

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

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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

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

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

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

Frequently Asked Questions

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

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

Why Trust U.S. News Travel

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

You might also be interested in:

travel insurance for seniors over 80

12 Best Travel Insurance Companies of March 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

travel insurance for seniors over 80

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

travel insurance for seniors over 80

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

travel insurance for seniors over 80

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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

Christine Krzyszton's image

Christine Krzyszton

Senior Finance Contributor

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

Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

Countries Visited: 45 U.S. States Visited: 28

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

Why Purchase Travel Insurance

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

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

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

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

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

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

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

Travel insurance can cover the following situations:

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

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

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

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

What You Need to Know About Age and Travel Insurance

Ambulance Hospital Entrance

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

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

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

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

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

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

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

Couple with Medicare

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

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

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

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

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

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

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

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

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

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

Best Travel Insurance Options — Ages 65 to 69

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

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

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

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

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

World Nomads Quote

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

Secure your own quote from World Nomads .

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

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

Allianz Annual Plan

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

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

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

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

  • John Hancock
  • Seven Corners

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

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

Best Travel Insurance Options — Ages 70 to 79

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

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

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

Here are just a few companies that offer this waiver:

  • Travel Guard
  • Travel Insured

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

Age 80 with CFAR

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

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

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

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

Senior Travel

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

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

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

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

Does travel insurance cover COVID-19?

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

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

Does travel insurance cover preexisting medical conditions?

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

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

Does credit card travel insurance cover flight cancellations?

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

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

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

Was this page helpful?

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.

INSIDERS ONLY: UP PULSE ™

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

Does Travel Insurance Cover the Coronavirus (COVID-19)?

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

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 for seniors over 80

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

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

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

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

» Learn more: Does travel insurance cover medical expenses?

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

3. Travelers

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

4. Your travel provider’s own plan

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

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

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

» Learn more: The best cruise insurance

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

Compare plans

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

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

Consider existing coverage

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

Read the fine print

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

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

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

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

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

» Learn more: Best travel insurance options for older adventurers

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

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

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

Chase Sapphire Preferred Credit Card

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

travel insurance for seniors over 80

  • Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
  • Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
  • Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
  • Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
  • Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
  • Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
  • Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
  • Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
  • Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
  • Credit Score Best Credit Monitoring Services Best Identity Theft Protection
  • CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
  • Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
  • Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
  • Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
  • Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
  • Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
  • Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
  • Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
  • Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
  • Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
  • Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
  • HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
  • Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
  • More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
  • Manage Topics
  • Investigations
  • Visual Explainers
  • Newsletters
  • Abortion news
  • Coronavirus
  • Climate Change
  • Vertical Storytelling
  • Corrections Policy
  • College Football
  • High School Sports
  • H.S. Sports Awards
  • Sports Betting
  • College Basketball (M)
  • College Basketball (W)
  • For The Win
  • Sports Pulse
  • Weekly Pulse
  • Buy Tickets
  • Sports Seriously
  • Sports+ States
  • Celebrities
  • Entertainment This!
  • Celebrity Deaths
  • American Influencer Awards
  • Women of the Century
  • Problem Solved
  • Personal Finance
  • Small Business
  • Consumer Recalls
  • Video Games
  • Product Reviews
  • Destinations
  • Airline News
  • Experience America
  • Today's Debate
  • Suzette Hackney
  • Policing the USA
  • Meet the Editorial Board
  • How to Submit Content
  • Hidden Common Ground
  • Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

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

  • path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
  • path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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.

10 worst US airports for flight cancellations this week

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Travelex travel insurance review 2024

Best travel insurance companies of March 2024

Best travel insurance companies of March 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

  • Best Extended Auto Warranty
  • Best Used Car Warranty
  • Best Car Warranty Companies
  • CarShield Reviews
  • Best Auto Loan Rates
  • Average Auto Loan Interest Rates
  • Best Auto Refinance Rates
  • Bad Credit Auto Loans
  • Best Auto Shipping Companies
  • How To Ship a Car
  • Car Shipping Cost Calculator
  • Montway Auto Transport Reviews
  • Best Car Buying Apps
  • Best Websites To Sell Your Car Online
  • CarMax Review
  • Carvana Reviews
  • Best LLC Service
  • Best Registered Agent Service
  • Best Trademark Service
  • Best Online Legal Services
  • Best CRMs for Small Business
  • Best CRM Software
  • Best CRM for Real Estate
  • Best Marketing CRM
  • Best CRM for Sales
  • Best Personal Loans
  • Best Fast Personal Loans
  • Best Debt Consolidation Loans
  • Best Personal Loans for Bad Credit
  • Best Home Equity Loan Rates
  • Best Home Equity Loans
  • What Is a HELOC?
  • HELOC vs. Home Equity Loan
  • Best Free Checking Accounts
  • Best High-Yield Savings Accounts
  • Bank Account Bonuses
  • Checking Accounts
  • Savings Accounts
  • Best CD Rates
  • Citibank CD Rates
  • Synchrony Bank CD Rates
  • Chase CD Rates
  • Capital One CD Rates
  • Best Hearing Aids
  • Best OTC Hearing Aids
  • Most Affordable Hearing Aids
  • Eargo Hearing Aids Review
  • Best Medical Alert Systems
  • Best Medical Alert Watches
  • Best Medical Alert Necklaces
  • Are Medical Alert Systems Covered by Insurance?
  • Best Online Therapy
  • Best Online Therapy Platforms That Take Insurance
  • Best Online Psychiatrist Platforms
  • BetterHelp Review
  • Best Mattress
  • Best Mattress for Side Sleepers
  • Best Mattress for Back Pain
  • Best Adjustable Beds
  • Best Home Warranty Companies
  • American Home Shield Review
  • First American Home Warranty Review
  • Best Home Appliance Insurance
  • Best Moving Companies
  • Best Interstate Moving Companies
  • Best Long-Distance Moving Companies
  • Cheap Moving Companies
  • Best Window Replacement Companies
  • Best Gutter Guards
  • Gutter Installation Costs
  • Best Window Brands
  • Best Solar Companies
  • Best Solar Panels
  • How Much Do Solar Panels Cost?
  • Solar Calculator
  • Best Car Insurance Companies
  • Cheapest Car Insurance Companies
  • Best Car Insurance for New Drivers
  • Same-day Car Insurance
  • Best Pet Insurance
  • Pet Insurance Cost
  • Cheapest Pet Insurance
  • Pet Wellness Plans
  • Best Life Insurance
  • Best Term Life Insurance
  • Best Whole Life Insurance
  • Term vs. Whole Life Insurance
  • Best Travel Insurance Companies
  • Best Homeowners Insurance Companies
  • Best Renters Insurance Companies
  • Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Best Senior Travel Insurance Companies of 2024

Sarah Horvath Photo

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

Tori Addison Photo

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

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

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

Faye Logo

Top 9 Senior Travel Insurance Companies of 2023

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

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

Compare Senior Travel Insurance Companies

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

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Faye

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

Why Faye Is Great for Senior Travelers

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

Pros & Cons

Coverage & cost.

Faye offers the following add-on options:

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

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

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

Travelex

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

Why Travelex Is Great for Senior Travelers

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

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

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

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

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

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

Why Berkshire Hathaway Is Great for Senior Travelers

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

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

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

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

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

Nationwide Travel Insurance

Nationwide Travel Insurance

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

Why Nationwide Is Great for Senior Travelers

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

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

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

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

Generali Global Assistance

Generali Global Assistance

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

Why Generali Global Assistance Is Great for Senior Travelers

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

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

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

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

AXA Assistance USA

AXA Assistance USA

  • Sample trip cost: $440

Why AXA Assistance USA Is Great for Senior Travelers

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

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

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

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

Seven Corners Travel Insurance

Seven Corners Travel Insurance

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

Why Seven Corners Is Great for Senior Travelers

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

With Seven Corners, you can add extra coverages including:

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

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

HTH Travel Insurance

HTH Travel Insurance

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

Why HTH Is Great for Senior Travelers

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

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

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

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

International Medical Group

International Medical Group

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

Why IMG Is Great for Senior Travelers

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

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

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

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

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

How We Selected the Best Travel Insurance for Seniors

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

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

How Much Does Senior Travel Insurance Cost?

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

How To Pick The Best Senior Travel Insurance

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

Think About Selecting a Higher Deductible

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

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

Opt for Primary Medical Coverage

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

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

What Else Do Seniors Need To Know About Travel Insurance?

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

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

Is Senior Travel Insurance Worth It?

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

travel insurance for seniors over 80

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

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

What is the best travel insurance for senior citizens?

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

Do I need travel insurance if I have Medicare?

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

Can you get travel insurance with a preexisting condition?

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

More Travel Insurance Resources

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

Other Insurance Resources From MarketWatch Guides 

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

  • Prominent Pet Insurance Companies
  • Premier Travel Insurance Companies
  • Outstanding Homeowners Insurance Providers
  • Top Renters Insurance Firms
  • Budget-friendly Renters Insurance Providers
  • National Term Life Insurance Providers
  • Cost-effective Homeowners Insurance Companies

Methodology: Our System for Rating Travel Insurance Companies

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

Other Travel Resources:

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

What Older Travelers Need to Know About Getting Travel Health Insurance

Senior couple sitting on bench looking at sunny autumn view

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

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

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

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

Related: Is Credit Card Travel Insurance Sufficient?

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

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

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

Do all, or some, policies have age limits?

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

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

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

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

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

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

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

Senior couple cruising. Photo by GreenPimp / Getty Images.

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

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

What additional protections does trip cancellation and interruption insurance offer?

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

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

What is medical evacuation insurance? What does it cover?

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

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

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

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

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

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

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

Related: The Best Credit Cards With Travel Protections

Bottom Line

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

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

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

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

Feature photo by Hero Images / Getty Images.

an image, when javascript is unavailable

  • Motorcycles
  • Car of the Month
  • Destinations
  • Men’s Fashion
  • Watch Collector
  • Art & Collectibles
  • Vacation Homes
  • Celebrity Homes
  • New Construction
  • Home Design
  • Electronics
  • Fine Dining
  • Baja Bay Club
  • Costa Palmas
  • Fairmont Doha
  • Four Seasons
  • Four Seasons Private Residences Dominican Republic at Tropicalia
  • Jacob Cohën
  • Wilson Audio
  • 672 Wine Club
  • Sports & Leisure
  • Health & Wellness
  • Best of the Best
  • The Ultimate Gift Guide

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

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

  • 5 Tips for Buying Travel Insurance
  • Travel Insurance for Sports Equipment: Everything You Need to Know
  • The Travel Insurance You Need for a Multi-Destination Vacation
  • Share This Article

Travel Insurance

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

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

Related Stories

How the u.k’s tax-free shopping ban has upended london’s luxury industry, what it’s like to stay at hotel la palma, the new star of capri’s glittering resort scene, this luxury cruise down the ganges showcases authentic india in stately style.

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

Read More On:

  • FBS Marketplace

More Travel

Ganges Voyager II

The Alps Is Leaning Into Luxury as Its Snowpack Shrinks

magazine cover

Culinary Masters 2024

MAY 17 - 19 Join us for extraordinary meals from the nation’s brightest culinary minds.

Give the Gift of Luxury

Latest Galleries in Travel

andBeyond Galapagos Explorer

andBeyond Galapagos Explorer in Photos

Maxx Royal Bodrum Resort slide cover

Maxx Royal Bodrum Resort in Photos

More from our brands, in town for sxsw here’s what to see and do while you’re in austin, bob melvin leaves padres behind for giant rebuild, donald trump opposes tiktok ban because it would boost business for facebook and ‘zuckerschmuck,’ a ‘true enemy of the people’, has the hypebeast collector gone extinct or simply evolved it depends whom you ask, this best-selling magnetic rowing machine is $185 off on amazon today.

Quantcast

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

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Allianz Travel

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Allianz - Travel

Travel Insurance for Seniors

Travel only gets better when you're over 50. You have enough experience to be comfortable anywhere in the world, from Shanghai to Santiago, and you have the time and resources to plan incredible adventures. Where will your next ticket take you?

Featured Articles

Allianz - two senior travelers

The Simple Guide to Buying Travel Insurance When You're Over 65

This guide covers key benefits and ways for seniors to save money on travel insurance.

Allianz - mature couple on the beach

Buying Annual Travel Insurance Over 65

If you're retired and a frequent traveler, you need yearly travel insurance...

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

{{articlePreview.snippet}} Read More

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Allianz - TRIP_logo-50

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Logo

Mon - Fri 9am - 8pm

Sat 9am - 4pm

Sun 10am - 4pm

  • 0800 294 2969
  • Single Trip Travel Insurance
  • Annual Travel Insurance
  • Cruise Travel Insurance
  • Family Travel Insurance
  • Staycations
  • Winter Sports
  • Coronavirus
  • Business Travel Insurance
  • School Trip Travel Insurance
  • All No Upper Age Limit Travel Insurance >
  • Car Insurance
  • Home Insurance
  • Smart Luggage
  • Life Insurance

Specialist Travel Insurance with no upper age limit

  • Angioplasty
  • Atrial Fibrillation
  • Cardiomyopathy
  • High Blood Pressure
  • Multiple Sclerosis
  • Breast Cancer
  • Skin Cancer
  • Lung Cancer
  • Prostate Cancer
  • Crohn’s Disease
  • Back Problems
  • Osteoporosis
  • South Africa
  • All Africa Insurance >
  • All Asia Insurance >
  • The Dominican Republic
  • All Caribbean Insurance >
  • All Central America Insurance >
  • All Europe Insurance >
  • Puerto Rico
  • All North America Insurance >
  • New Zealand
  • All Oceania Insurance >
  • All South America Insurance >
  • Get a Quote
  • Airport Hotels & Parking
  • Travel Advice
  • Working with Us
  • Medical Advice Hub
  • Brand Showcase
  • Meet The Team
  • Careers: Apprenticeship Scheme
  • Amend your policy
  • Your Questions Answered
  • Make A Complaint
  • Making a Claim

Travel Insurance for Over 80s

Get your quote for over 80s travel insurance – find cover for hundreds of pre-existing medical conditions, we help you find an over 80s travel insurance policy that provides medical cover for unexpected and unforeseen circumstances – get your quote today..

There is no age limit to living life to the fullest, spending time with loved ones, and seeing the world. At Just Travel Cover, we believe nothing should stand in your way – including Travel Insurance over 80!

It is important to have the right level of Travel Insurance cover when you get to the age of 80, especially if you suffer from any pre-existing medical conditions. We want to ensure help and protection are available if needed during your holiday. Once you’re 80 and over, securing senior-appropriate Travel Insurance with medical conditions can be difficult due to the expensive premiums and limits on cover. Just Travel Cover offers reasonably priced, tailored Travel Insurance for all ages and hundreds of pre-existing medical conditions. We even offer Cruise Travel Insurance for over 80s! No matter your holiday, we have you covered.

Saving Time and Money on Travel Insurance for Seniors

We offer excellent, advanced Travel Insurance for seniors options covering hundreds of pre-existing medical conditions. All we ask is for you to take a few minutes to complete our online medical screening so we can begin comparing policies. It is a fast, easy, and accurate process, ensuring your Medical Travel Insurance quotes are tailored to your age, health and travel necessities. It is crucial that you declare your medical history, including all of your pre-existing medical conditions. If you do not declare all pre-existing conditions, your policy could be void should anything go wrong.

Our premium Travel Insurance for over 80s covers pre-existing conditions. Some of the medical conditions we offer cover include Heart Conditions, Type 1 and 2 Diabetes, Mental Health conditions and Cancer. We cover hundreds of pre-existing medical conditions.

Over 80 Travel Advice

Compare over 80 travel insurance, over 80s travel insurance faqs.

Frequently asked questions about our Over 80s Travel Insurance deals.

What is Over 80s Travel Insurance?

The older we get, the more important it is to get the right Travel Insurance , but the harder it can be to find, especially if you have pre-existing medical conditions. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

What does over 80s Travel Insurance cover?

If you arrange your over 80s Travel Insurance as soon as you’ve booked your holiday, you will be covered for trip cancellation. That way, if you need to cancel your trip for an insured reason, you’re protected. When you set off on holiday, you can relax knowing you have Holiday Insurance in place. If something should go wrong, know that you’re covered for emergency medical treatment (including for your pre-existing medical conditions ) as well as cover for your baggage should they be lost, stolen or damaged. For an additional premium, we offer smart luggage which offers real-time payments to your bank account should your luggage is delayed or lost.

Where can I go with Travel Insurance that covers the over 80s age group?

It can sometimes be difficult to get Travel Insurance if you’re over 80 and travelling to certain long-haul destinations such as the USA, Canada, or Australia. At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history. The comparison is done for you! Note that all quotations are subject to medical screening.

How much does over 80s Travel Insurance cost?

Our over 80s Travel Insurance policies are personalised to you and your needs. Therefore, the costs will differ depending on your circumstances, destination and length of your trip, as well as how far in advance you arrange cover. It’s important to remember that Travel Insurance for those over 80 is there to cover unforeseen costs like medical expenses, should you need emergency treatment on holiday. These bills can easily run into the thousands, and it’s reassuring to know you have adequate Travel Insurance for your age and medical conditions in place. For most quotations, we will provide a bronze, silver and gold level of cover so that you have the option to compare and take a policy to best suit your needs and budget.

Can I get Travel Insurance if I’m over 80 with a heart condition?

Yes, we have insurers on our panel with no age limit that specialise in Over 80s Travel Insurance for pre-existing medical conditions , including heart conditions such as angina or an irregular heartbeat. We can also provide over 80s Travel Insurance if you have had a heart attack. To get adequate cover, you need to declare your conditions during the medical screening process and answer the questions honestly.

Can I get Travel Insurance over 80 with diabetes?

Yes, we specialise in over 80s Travel Insurance for the elderly and all pre-existing medical conditions, including travel cover for type 1 and type 2 diabetes . When getting a quote online or over the phone we will ask you a few questions regarding insulin and hospital visits as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 80 and living with cancer?

It is our aim to help you find Travel Insurance at any age, including if you’re over 80, and living with pre-existing medical conditions, including cancer. We have policies with no age limit (single trip) and are able to provide cover for most types of cancer, 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.

If I’m over 80 can I get Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. When getting a quote online, you may be prompted to call us so we can explain the options for each insurer on our panel and provide the option to include or exclude these conditions. Our policies have up to £15m medical cover so you can travel safely knowing that you’ve got the right support if the unexpected happens. Find out more on our pre-existing medical condition page.

What options are available for life insurance for over 80 year olds in the UK?

Life insurance policies for individuals over 80 can vary, with options ranging from whole life to term insurance. It’s important to compare policies to find one that meets your specific needs and budget. At Just Travel Cover, we have partnered with the UK’s number 1 rated Life Insurance experts, iam|INSURED. They provide guaranteed life insurance if you are between 50-80 years old. Visit our life insurance page and see if there is a policy for you. Please note that over 80s life insurance is not the same as Travel Insurance, and you still need to take out a Travel Insurance policy when going on holiday.

What should old age pensioners (OAPs) consider when looking for Travel Insurance?

When seeking Travel Insurance for OAPs or old-age pensioners, you should consider a Travel Insurance policy that covers pre-existing medical conditions, an adequate cancellation cover that exceeds all expenses of the trip, and high medical cover with repatriation included. At Just Travel Cover, we will ask you a series of questions and then only show you policies that match your travel requirements, including Travel Insurance for OAPs policies tailored towards pensioners over 80.

Can I get Travel Insurance without medical cover?

No, medical cover is a crucial part of Travel Insurance, especially for travellers with pre-existing medical conditions or those going to destinations where healthcare is expensive. At Just Travel Cover, we can offer emergency medical expenses and repatriation up to £10 million per person.

It is important to secure Travel Insurance with medical cover, as even in countries where medical expenses are covered by a UK GHIC or UK EHIC card, it is not a replacement for Travel Insurance. For example, the card will not cover being flown back to the UK (medical repatriation), treatment in a private medical facility, or ski or mountain rescue.

If you are holidaying in the UK, Staycation Travel Insurance can provide cover against loss or theft of baggage, cancellation, and curtailment.

Are cruises a good option for holidays for over 80s?

Cruises can be an excellent option for holidays for over 80s, as they offer a variety of onboard amenities and the chance to explore multiple destinations in a comfortable, accessible manner. Many cruise lines cater to older travellers with specific needs. Visit our Senior Cruise page for tips on cruise holidays over 80. 

Why Choose Travel Insurance for Over 80 Year Olds from Just Travel Cover?

At Just Travel Cover, we specialise in providing Medical Travel Insurance with no upper age limit and cover for pre-existing medical conditions (terms apply).   With our Travel Insurance for seniors with pre existing conditions, travellers over 80 can benefit from:

  • Single trip cover up to 94 days with no upper age limit
  • Hundreds of pre-existing medical conditions, including terminal prognosis covered
  • High levels of cancellation and emergency medical expenses cover
  • Lost documents, baggage, medications, and medical aids cover
  • Flexibility – 3 levels of cover to suit your needs
  • Travel companions can be included in the same policy
  • Zero excess policies available

Travel Insurance for Over 80s – What Are You Covered For?

  • Cancellation/ curtailment up to £12,500
  • Missed departure up to £1,000 per person
  • Baggage up to £3,000 per person
  • Emergency medical expenses and repatriation up to £10 million per person
  • Mobility aids up to £2,500 per person
  • Lost medications and medical aids up to £300 per person
  • 24/7 emergency medical assistance

Please note all cover limits are per person and vary by insurer.

We Compare Prices From These Insurers

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

travel insurance for seniors over 80

Travel Insurance for Over 80s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for pre-existing medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Just some of the pre-existing medical conditions we cover:

  • Heart Conditions
  • Cholesterol
  • Joint Problems (arthritis, back pain)
  • Mental Health Conditions
  • Liver Conditions
  • Breathing Conditions
  • Circulatory Conditions
  • Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your pre-existing medical conditions in full and we will do the rest.

Fast, Easy, and Accurate Online Medical Screening

Our quick and easy online medical screening will take you just a few minutes to complete and allows you to compare Over 80s Travel Insurance policy quotes. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel Insurance quotes tailored to your health and travel requirements. Please have the following at hand:

  • Your medical history with important dates
  • Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

Our Latest News

12 tips for a relaxing family break this Easter

12 tips for a relaxing family break this Easter

Mar 5, 2024 | Blogs , Events

With Easter just around the corner, families across the UK are expected to be packing up their suitcases and opting for sunshine over showers this...

Uncovering France’s best resorts for a ski holiday in the spring

Uncovering France’s best resorts for a ski holiday in the spring

Feb 28, 2024 | Blogs , France

It's almost springtime in the UK, which can be the perfect time to head of for a ski trip. And, according to IgluSki, the UK's number one ski travel...

Love is in the air – Italy revealed as Britain’s most-loved holiday destination

Love is in the air – Italy revealed as Britain’s most-loved holiday destination

Feb 13, 2024 | Blogs

It's official: Italy has been revealed as Britain's most loved holiday destination. We asked over 1,000 UK holidaymakers to tell us the holiday...

Compare prices in minutes

travel insurance for seniors over 80

Copyright © 2023. Just Travel Cover

  • Travel Tips Advice
  • Compare Travel Insurance
  • Pre-Existing Medical Conditions
  • Holiday Home Insurance

Customer Services

  • Opening Times

Victoria House, Toward Road, Sunderland, SR1 2QF

Call: 0800 294 2969

Monday - Thursday 9am - 6pm, Friday 9am - 5.30pm

travel insurance for seniors over 80

Buy with Confidence

travel insurance for seniors over 80

Secure Payments

travel insurance for seniors over 80

UK Call Centre

travel insurance for seniors over 80

Leading Broker

Justtravelcover.com is a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) number 610022 for General Insurance Distribution activities. Registered in England. Company No 05399196, Victoria House, Toward Road, Sunderland SR1 2QF. Our services are covered by the Financial Ombudsman Service. If you cannot settle a complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk/

Privacy Overview

Travel Insurance for Seniors (65+)

Seniors travel insurance for over 65 and over 80+, not sure which seniors travel insurance plan to select scroll down to see a quick summary of each plan..

We recommend our top choice of plans below:

Our Over-65 and Over-80 travel insurance plans provide medical coverage, medical evacuation coverage, repatriation, and multiple deductible options along with multiple amounts of coverage. We can find you the perfect travel insurance plan based on your age, activity, or location. 

travel insurance for seniors over 80

We Recommended

Our recommended plan

Geoblue Voyager International Medical Insurance

One of the best travel medical insurance plans available for U.S. travelers

Patriot America Plus

Coverage for non-U.S. citizens/residents traveling to America

Scroll down to see all travel plans below

covered pontoon boat on water

Seniors Travel Insurance – For Specific Needs

Img globehopper – senior travel insurance.

Travel medical insurance for seniors with no age limit for those on Medicare

Trawick Non-U.S. Senior Travel Insurance

Excellent travel insurance for seniors over 70 for non-U.S. not traveling to the USA

Trawick Safe Travels USA Senior Insurance Plan

Travel insurance for over 65 (up to age 90) to the USA for non-U.S. seniors

Trawick Travel/Adventure sports in the USA

One of our most recommended travel plans for sports in the USA

Outreach International Travel Insurance

One of the most affordable travel insurance plans ANYWHERE

Atlas International Travel Medical Insurance Policy

Great choice for travelers with personal liability & crisis response

HTH Trip Protector Trip Cancellation For Any Reason

Travel insurance with trip cancellation for any reason for U.S. travelers

Looking for an annual travel plan – with unlimited trips?

Globehopper – annual travel insurance for seniors.

Globehopper travel insurance for over 65s – for U.S. seniors 65-80+ on Medicare

Seniors Travel Insurance for ages 65-80+

What you should know.

Click to view

Most travel insurance plans available online either limit travelers over a certain age, or they begin to severely limit benefits over a certain age in order to keep prices low. We offer plans that feature lower prices and benefits as well as full-featured plans with benefits up to 1 million USD and have no maximum age limits.

These senior travel insurance plans have all the same benefits found in our other travel insurance plans. However, always check the brochure and specific benefit amounts to make sure you are getting what you need and want before you travel. We can also help. We are here ready to make a recommendation based on your travel plans.

The GeoBlue Voyager Choice plan covers up to age 84, is part of the Blue Cross Blue Shield Global network and also covers pre-existing medical conditions. It is our top recommended plan for those 65+ who are residents of the U.S. traveling outside the U.S.

Globehopper

Our Globehopper plan is an excellent seniors travel insurance plan  with no age limit for U.S. residents that are on Medicare Parts A and B and carry supplemental insurance. It is affordable and has very strong benefits.

Our Trawick Safe Travels plans are good for non-U.S. travelers up to age 90 whether going to the U.S. or anywhere else in the world. You can get up to $100,000 USD in maximum medical benefits for ages 70-79 and very strong medical evacuation coverage. This plan is also renewable with uninterrupted coverage for up to 24 consecutive months.

Things to keep in mind when selecting seniors travel insurance

Benefit amounts: Many plans reduce benefits after a certain age. Ask if a particular plan reduces benefits after a certain age and by how much. Usually, depending on your age and health, you may want more coverage as you get older rather than less. You will also want to make sure emergency evacuation and/or hospitalization benefits would be enough to cover your needs. You may need an evacuation or extended stay in a hospital or surgery before being able to be released, stabilized, or transported home.

How long do you want coverage for? 

Some seniors are looking for a plan that allows them to spend part of each year in another country. Others may travel extensively and want an annual travel plan such as the GeoBlue Trekker Choice (up to age 84) or the annual version of the GlobeHopper travel plan mentioned above .

We also have long-term international health insurance for expats aged 65+ that we can help you with.

Current medical issues?

Do you need coverage for pre-existing conditions or health issues that you may have seen a doctor for in the last two years/or on-going concerns? Note that while we have plans that cover pre-existing conditions, most travel medical plans are for new illnesses and injuries, not maintenance of current medical issues when abroad. They are also not allowed to be used for medical travel or medical tourism.

Looking for Evacuation-Only Plans that do not include medical benefits?

We have a plan for those 74-84 years old , as well as plans for those under 74, with no deductibles, no claim forms, out-of-pocket expenses, or caps on emergency medical transportation. And an over 90% approval rate! On these plans evacuation does not need to be a medical necessity, or based on life and death.

Looking for trip cancellation insurance for over 65?

We can help you select between multiple options such as HTH Trip Protector, RoundTrip Elite, or iTravel Trip Cancellation.

We are here to help you with your decision, as well as answer your questions via phone , or email or even Skype or Live Chat if you prefer.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

24/7 Emergency Assistance and Coverage for Stable Pre-Existing Conditions Disclaimer 2

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance.

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expenses Disclaimer 1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions Disclaimer 2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possible Disclaimer 3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

Other Ways to Buy

Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

  • Take your time. The questions may take up to 10 minutes to complete.
  • You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
  • Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
  • Have your prescriptions or a description of your medications nearby for reference.
  • If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

  • You can't travel due to an illness, job loss or immediate family member's medical emergency
  • You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

View Legal Disclaimers Hide Legal Disclaimers

  • no new treatment, new medical management, or new prescribed medication; and
  • no change in treatment, change in medical management, or change in medication; and
  • no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
  • no new test results or test results showing a deterioration; and
  • no investigations or future investigations initiated, or recommended for your symptoms; and
  • no hospitalization or referral to a specialist (made or recommended).

Telephone Hours

Opening Hours

  • Mon-Fri: 8:30am - 8pm
  • Sat: 9am - 5:30pm
  • Sun: 10am - 5pm
  • Mon-Fri: 9:00am - 8:00pm
  • Sat: 9:00am - 5:30pm
  • Sun: 10:00am - 5:00pm

Over 80s Travel Insurance

  • We cover all pre existing medical conditions, and our policies have no upper age limits.
  • Our 5-star policies will give you peace of mind, so you can relax and enjoy your holiday.

Defacto Rated

Holiday with confidence with Over 80’s Travel Insurance. As a specialist insurance provider, AllClear can cover all your pre existing medical conditions and medical emergencies on your holidays, and can help if you need to cancel your trip. 

Get your Travel Insurance quote today.

Can you get Travel Insurance if you’re over 80?

Of course! Our policies have no upper age limit, so we can offer you tailored Travel Insurance for your 80’s and beyond. AllClear Travel Insurance includes cover for pre existing conditions, emergency medical expenses and medical aids, as well as personal belongings and lost luggage.

What does travel insurance for over 80s cover?

If you are over 80 years old, you can still enjoy the benefits of our standard Travel Insurance policy, with no upper age limit. We also include emergency medical cover for serious conditions that you disclose to us.

What’s covered:

  • Medical expenses: We provide cover the cost of any emergency medical care you need while travelling, including pre existing medical conditions you have told us about during your medical screening.
  • Medical aids: Medical cover includes your essential medical devices and accessories from loss or damage.
  • Medication: We will help you get a replacement for your crucial prescription medication if you lose it during your trip.
  • Repatriation: We can help you get back home in case of an emergency.
  • Lost Luggage: We will compensate you if your baggage is lost, 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 reasons beyond your control.
  • Travel disruption: We will help you cover alternative transport or accommodation if your plans are disrupted.

What’s not covered:

  • Undisclosed medical conditions: To protect you in case of a medical emergency, we need you to tell us about your medical history when you buy Travel Insurance.
  • Airline strikes that disrupt your travel plans: The airlines are responsible for strikes and should compensate you accordingly. They should also assist you with finding alternative transport if necessary.
  • High-risk activities: Our standard policy does not provide cover for these activities, but we can provide extra cover for some of them if you wish to.
  • Accidents that happen when you are under the influence of drugs or alcohol: We hope you enjoy your trip, but we also expect you to be safe and sensible.
  • Traveling to countries that the FCDO has advised against: We offer worldwide travel cover, but we exclude any country that the FCDO deems too dangerous or risky.
  • Missed flights within your control: We sympathize with you if things go wrong, but we will not cover you if you miss your transport because of poor planning or errors that you made.
  • Choosing not to travel: We understand that sometimes circumstances change, but we can only offer cover for cancellation if you have a valid reason, such as illness, injury or bereavement.
  • Winter sports activities: Our optional Winter Sports cover is only available up to the age of 65.

Travel Insurance for over 80s with medical conditions

Over 80s Travel Insurance with pre existing medical conditions enables you to keep exploring new destinations and return to the places you love. 79% 2  of over 80-year-olds we surveyed hope to travel twice or more in 2023.  More than 1 in 10 (16%) are even planning to take four or more trips. If you’re one of the many over 80s planning to make the most of your travel opportunities, you’ll need over 80s Travel Insurance with no upper age limit.

What’s a pre-existing medical condition?

A pre-existing medical condition is any condition you have;

Been diagnosed with

Had a follow-up appointment for

Taken prescribed medication in the last five years.

Some examples of pre existing medical conditions we can cover are:

High Blood Pressure

High Cholesterol

Heart conditions

Atrial Fibrillation

Letitia Smith

Our experts say…

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

Letitia Smith MSc, Travel Insurance expert

How much is Travel Insurance for over 80s?

Travel Insurance premiums depend on the a number of factors, such as your age, destination and medical screening. For example, Spain , the United States , and Canada are among the more expensive countries to receive medical treatment, resulting in a higher premium.

What type of Travel Insurance can you get if you’re over 80?

  • Annual Multi trip Travel Insurance : If you intend to take multiple trips in any twelve-month period, then an annual policy could be a more cost-effective option than buying multiple single trip travel insurance policies together.
  • Single trip Travel Insurance : Single trip travel cover for over 80’s work well when you only have one holiday planned but still want a comprehensive policy.
  • Cruise Travel Insurance : Our cruise travel insurance cover is a specialist policy which includes cover for cabin confinement and missed excursions, as well as your medical needs and stolen luggage.

Where can I go with an over 80s insurance policy?

AllClear Travel Insurance covers every country, with some of our most popular destinations below.

Worldwide :

The Caribbean

Why Choose AllClear?

We’re dedicated to customer satisfaction and delivering you peace of mind. We always make sure that we put their needs first. Discover more about the AllClear experience from our over 80s travellers.

Join the 3.5+million people we’ve helped cover

Travel Insurance for over 80s can be challenging to find, but we have over 20 years experience as specialists covering older travellers.  Hear from those who have already discovered and travelled with AllClear.

Excellent and Reassuring Service

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

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

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, optional extras.

AllClear Medical Travel Insurance for people over 80 offers a host of optional extras that enable you to tailor your policy to suit your specific needs, with no age limit.

Specialist Cruise Insurance :  add cruise cover to your policy to ensure you are fully covered for cruise specific issues, including; itinerary change, unused excursions and cruise interruption.

Gadget Cover:  personal electronic items that you may want to travel with can be covered by an AllClear policy as well.

Golf Travel Insurance:  add golf cover to your AllClear policy if you are planning to play golf on your holiday, and let us protect your golf equipment as well as other aspects of your golf holiday.

GHIC cover for Over 80s

GHIC ( Global Health Insurance Card)  has replaced the EHIC (European Health Insurance Card) and ensures that UK residents still receive the same care as citizens of that country while travelling in the EU. However, the GHIC does not cover all medical costs that may occur while you are away. It’s essential to also have a comprehensive Travel Insurance policy before you leave the UK.

Over 80’s Travel Tips

From deciding where you want to visit to which activities you’ll be up to, planning for a holiday can be very exciting! But there’s so much to think about…

See your doctor before you travel : Before you travel, it can be a good idea to see your GP to talk through your plans. They’ll be able to tell you if they have any concerns about you travelling or they’ll declare you  fit to travel . Seeing your doctor before travelling is also a good idea if you take regular medication or have pre existing conditions.

Travelling by plane:  If you’re flying, see what your airline can offer you to make your trip easier. Priority boarding can help you avoid the hustle and bustle of everyone boarding the plane all at once. If you have trouble walking or standing for long periods, you might be able to request a wheelchair at the airport or be taken to your terminal by wheelchair.

Staying healthy when abroad:  Drink plenty of water and remain well hydrated, especially if you’re going to a hot country. While excursions and days out can be great when you’re on holiday, don’t feel you have to see and do everything. You can still embrace adventure as a travelling senior.

Frequently asked questions for Holiday Insurance over 80

Is travel insurance expensive for over 80.

The cost of Travel Insurance usually increases with age, as older people tend to have more medical conditions and are more likely to require emergency medical treatment on holiday. Therefore, premiums increase to cover the higher risk.

When should you buy Travel Insurance for over 80s?

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

Single trip Travel Insurance policies can be purchased up to 12 months before your trip. The cover begins immediately after purchase, if you have chosen a policy that includes cancellation cover.

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

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 Based on the AllClear Annual Survey, Jan-Feb 2023. 376 respondents over the age of 80.

Policy Wordings

Modern Slavery Statement

MaPS Travel Insurance Directory

Earn rewards by sharing with friends

ABTA Partner

Is Travel Insurance Worth It? Evaluating the Value and Benefits

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

  • Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
  • Travel insurance costs can range from 4% to 12% of your total trip cost.
  • Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

  • Sickness, injury, or death of traveler or family member of traveler
  • Inclement weather
  • Unexpected work or layoffs
  • Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

  • Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
  • Compare policies from different providers to find the best coverage at the best price.
  • Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
  • Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

To say that travel insurance will save you money in the long run isn't entirely accurate. Travel insurance will save you money when things go wrong, but it won't save you any money if your trip goes smoothly.

Short domestic trips don't necessitate travel insurance. Most health insurance policies cover you from state to state, so unless you're worried about unexpected cancellations, travel insurance isn't a must-have.

Travel insurance policies commonly exclude coverage for pre-existing medical conditions, extreme sports injuries, and travel to high-risk countries.

Cost-benefit considerations should include the total cost of your trip, the refundability of your expenses, your destination's healthcare costs, and your personal health and travel risks.

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

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

**Enrollment required.

travel insurance for seniors over 80

  • Main content

Older Adults Now Able to Receive Additional Dose of Updated COVID-19 Vaccine

For Immediate Release: Wednesday, February 28, 2024 Contact: Media Relations (404) 639-3286

Today, CDC Director Mandy Cohen endorsed the CDC Advisory Committee on Immunization Practices’ (ACIP) recommendation for adults ages 65 years and older to receive an additional updated 2023-2024 COVID-19 vaccine dose. The recommendation acknowledges the increased risk of severe disease from COVID-19 in older adults, along with the currently available data on vaccine effectiveness.

Previous CDC recommendations ensured that people who are immunocompromised are already eligible for additional doses of the  COVID-19 vaccine.

Data continues to show the importance of vaccination to protect those most at risk for severe outcomes of COVID-19. An additional dose of the updated COVID-19 vaccine may restore protection that has waned since a fall vaccine dose, providing increased protection to adults ages 65 years and older.

Adults 65 years and older are disproportionately impacted by COVID-19, with more than half of COVID-19 hospitalizations during October 2023 to December 2023 occurring in this age group.

CDC and ACIP will continue to monitor COVID-19 vaccine safety and effectiveness. CDC continues to recommend that everyone  stay up to date on their COVID-19 vaccines , especially  people with weakened immune systems .

The following is attributable to Dr. Mandy Cohen:

“Today’s recommendation allows older adults to receive an additional dose of this season’s COVID-19 vaccine to provide added protection,” said Mandy Cohen, M.D., M.P.H. “Most COVID-19 deaths and hospitalizations last year were among people 65 years and older. An additional vaccine dose can provide added protection that may have decreased over time for those at highest risk.”

### U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES

Whether diseases start at home or abroad, are curable or preventable, chronic or acute, or from human activity or deliberate attack, CDC’s world-leading experts protect lives and  livelihoods, national security and the U.S. economy by providing timely, commonsense information, and rapidly identifying and responding to diseases, including outbreaks and illnesses. CDC drives science, public health research, and data innovation in communities across the country by investing in local initiatives to protect everyone’s health.

To receive email updates about this page, enter your email address:

  • Data & Statistics
  • Freedom of Information Act Office

Exit Notification / Disclaimer Policy

  • The Centers for Disease Control and Prevention (CDC) cannot attest to the accuracy of a non-federal website.
  • Linking to a non-federal website does not constitute an endorsement by CDC or any of its employees of the sponsors or the information and products presented on the website.
  • You will be subject to the destination website's privacy policy when you follow the link.
  • CDC is not responsible for Section 508 compliance (accessibility) on other federal or private website.

FinanceBuzz

FinanceBuzz

15 Costly Mistakes Seniors Make When Traveling Solo

Posted: December 4, 2023 | Last updated: February 7, 2024

<p> Traveling solo can be a wonderful experience. You don’t have anyone bogging you down, so you can be more spontaneous. You can also indulge your whims, such as spending all day perusing museums. </p> <p> However, solo travelers need to avoid key mistakes if they want to enjoy their adventure. If you’re a senior citizen who wants to travel, grab one of the <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=14777&synd_backlink_title=best+travel+credit+cards&synd_backlink_position=1&synd_slug=top-travel-credit-cards">best travel credit cards</a>, book your trip, and be sure to avoid these mistakes. </p><p class="">  <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=14777&synd_backlink_title=Compare+the+best+travel+credit+cards+for+nearly+free+travel&synd_backlink_position=2&synd_slug=top-travel-credit-cards">Compare the best travel credit cards for nearly free travel</a>   </p>

Traveling solo can be a wonderful experience. You don’t have anyone bogging you down, so you can be more spontaneous. You can also indulge your whims, such as spending all day perusing museums.

However, solo travelers need to avoid key mistakes if they want to enjoy their adventure. If you’re a senior citizen who wants to travel, grab one of the best travel credit cards , book your trip, and be sure to avoid these mistakes.

Earn Points and Miles: Find the best travel credit card for nearly free travel

<p> Trying to see and do everything is a common mistake. The end result is often a very long, exhausting trip. That can be especially true for seniors who do not have as much energy as they once did. </p> <p>Consider <a href="https://financebuzz.com/seniors-throw-money-away-tp?utm_source=msn&utm_medium=feed&synd_slide=2&synd_postid=14777&synd_backlink_title=avoiding+the+foolish+mistakes&synd_backlink_position=3&synd_slug=seniors-throw-money-away-tp">avoiding the foolish mistakes</a> of solo travelers before you and plan your trip so it realistically reflects your energy levels and matches your interests. </p><p>If you find long treks tiring, avoid walking tours. If you don’t particularly want to see a tourist destination, leave it off your itinerary. </p><p class="">  <p class=""><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=2&synd_postid=14777&synd_backlink_title=Get+expert+advice+on+making+more+money+-+sent+straight+to+your+inbox.&synd_backlink_position=4&synd_slug=extra-newsletter-signup-testimonials-synd">Get expert advice on making more money - sent straight to your inbox.</a></p>  </p>

Overextending yourself

Trying to see and do everything is a common mistake. The end result is often a very long, exhausting trip. That can be especially true for seniors who do not have as much energy as they once did.

Consider avoiding the foolish mistakes of solo travelers before you and plan your trip so it realistically reflects your energy levels and matches your interests. 

If you find long treks tiring, avoid walking tours. If you don’t particularly want to see a tourist destination, leave it off your itinerary.

Avoid costly repairs: Unexpected appliance breakdowns can cost $1,000s of dollars to fix.

<p> Comprehensive travel insurance isn’t always necessary, but it can be a lifesaver for solo travelers.</p><p>If you’re in another country and you hurt yourself, you don’t want to be left without health coverage. If something pops up and you must suddenly cancel your trip, it would be nice to receive reimbursement for nonrefundable costs. </p> <p> Comprehensive travel insurance can cover you in both of those instances and many others. </p>

Skipping travel insurance

Comprehensive travel insurance isn’t always necessary, but it can be a lifesaver for solo travelers.

If you’re in another country and you hurt yourself, you don’t want to be left without health coverage. If something pops up and you must suddenly cancel your trip, it would be nice to receive reimbursement for nonrefundable costs.

Comprehensive travel insurance can cover you in both of those instances and many others.

<p> Perhaps you visited a foreign country during your 20s and now you want to return to repeat the experience in your 60s. If you aren’t careful, you might be disappointed. </p> <p> Places change over the years — and especially over the decades. That old travel spot could be denser with tourists, more dangerous, or simply not the same as it was all those years ago. </p> <p> Do your research before booking a plane ticket, and don’t let past experiences dictate this trip. </p><p class="">  <a href="https://financebuzz.com/money-moves-after-40?utm_source=msn&utm_medium=feed&synd_slide=4&synd_postid=14777&synd_backlink_title=10+brilliant+ways+to+build+wealth+after+40&synd_backlink_position=5&synd_slug=money-moves-after-40">10 brilliant ways to build wealth after 40</a>  </p>

Expecting a repeat visit to mirror the original

Perhaps you visited a foreign country during your 20s and now you want to return to repeat the experience in your 60s. If you aren’t careful, you might be disappointed.

Places change over the years — and especially over the decades. That old travel spot could be denser with tourists, more dangerous, or simply not the same as it was all those years ago.

Do your research before booking a plane ticket, and don’t let past experiences dictate this trip.

Grow Your $$: 11 brilliant ways to build wealth after 40

<p> Similarly, just because you used to be able to hike the sides of cliffs at your favorite coastal destination doesn’t mean you can still do that now. </p> <p> Maybe a city with great public transportation and walkable sidewalks is a better option now. If you’re more susceptible now to the downside of extreme climates, perhaps a tropical trip or icy tundra tour should not be on your agenda. </p>

Picking the wrong place to vacation

Similarly, just because you used to be able to hike the sides of cliffs at your favorite coastal destination doesn’t mean you can still do that now.

Maybe a city with great public transportation and walkable sidewalks is a better option now. If you’re more susceptible now to the downside of extreme climates, perhaps a tropical trip or icy tundra tour should not be on your agenda.

<p> Traveling can often be cheaper in a group setting, whether you split the cost of a hotel room or save money with a group tour bundle. On the other hand, traveling solo will likely involve a bit more cash, so plan accordingly. </p> <p> If you’ve never budgeted for a trip by yourself, take the time to do so now. Aside from your basic plane ticket and hotel fees, you’ll also need to consider the costs of food, entertainment, shopping, last-minute emergencies, and travel insurance. </p>

Not budgeting ahead of time

Traveling can often be cheaper in a group setting, whether you split the cost of a hotel room or save money with a group tour bundle. On the other hand, traveling solo will likely involve a bit more cash, so plan accordingly.

If you’ve never budgeted for a trip by yourself, take the time to do so now. Aside from your basic plane ticket and hotel fees, you’ll also need to consider the costs of food, entertainment, shopping, last-minute emergencies, and travel insurance.

<p> A single supplement is an additional charge single travelers pay when using a room that normally serves two people. Hotels and cruise ships may require you to pay this fee. </p> <p> Seek out vacation rentals that explicitly waive the single supplement. </p><p class="">  <a href="https://financebuzz.com/retire-early-quiz?utm_source=msn&utm_medium=feed&synd_slide=7&synd_postid=14777&synd_backlink_title=Will+you+be+able+to+retire+early%3F+Take+this+quiz+to+find+out.&synd_backlink_position=6&synd_slug=retire-early-quiz">Will you be able to retire early? Take this quiz to find out.</a>  </p>

Not being aware of the single supplement

A single supplement is an additional charge single travelers pay when using a room that normally serves two people. Hotels and cruise ships may require you to pay this fee.

Seek out vacation rentals that explicitly waive the single supplement.

Retire Sooner: Take this quiz to see if you can retire early

<p> Technology is at the center of modern life. That means you will likely use your smartphone a lot when you travel. </p> <p> These days, travel can be more difficult if you don’t know how to scan a QR code, or how to check in for your flight directly from your phone. Learn to use your phone and travel will become smoother and more pleasant. </p>

Failing to brush up on technology

Technology is at the center of modern life. That means you will likely use your smartphone a lot when you travel.

These days, travel can be more difficult if you don’t know how to scan a QR code, or how to check in for your flight directly from your phone. Learn to use your phone and travel will become smoother and more pleasant.

<p> It can be tempting to rush to social media and tell everyone about the gorgeous sites you’re seeing. Or, perhaps you simply want to boast about your solo travel accomplishment. </p> <p> But try to refrain from doing this, especially if you are a senior traveling solo. Someone who lives in your city might see your post, realize you are not around, and use that fact as an opportunity to break into your home. </p> <p> Or, a stranger could see you’re traveling alone and identify you as a potentially vulnerable target. Odds are that everything will be just fine, but there is no need to tempt fate. </p>

Posting about your travels

It can be tempting to rush to social media and tell everyone about the gorgeous sites you’re seeing. Or, perhaps you simply want to boast about your solo travel accomplishment.

But try to refrain from doing this, especially if you are a senior traveling solo. Someone who lives in your city might see your post, realize you are not around, and use that fact as an opportunity to break into your home.

Or, a stranger could see you’re traveling alone and identify you as a potentially vulnerable target. Odds are that everything will be just fine, but there is no need to tempt fate.

<p> Scammers and pickpockets are crafty. Always stay on your guard, and do not assume that you are an expert at detecting fraudulent or potentially dangerous situations. </p> <p> Try to avoid appearing vulnerable. Know where you’re going at all times before you step foot from your hotel so you don’t appear lost. Keep your shoulders straight and stay alert. </p> <p> A small crossbody purse can help you hold valuables flush against you. </p><p class="">  <a href="https://financebuzz.com/southwest-booking-secrets-55mp?utm_source=msn&utm_medium=feed&synd_slide=10&synd_postid=14777&synd_backlink_title=9+nearly+secret+things+to+do+if+you+fly+Southwest&synd_backlink_position=7&synd_slug=southwest-booking-secrets-55mp">9 nearly secret things to do if you fly Southwest</a>  </p>

Making yourself an easy target for scammers

Scammers and pickpockets are crafty. Always stay on your guard, and do not assume that you are an expert at detecting fraudulent or potentially dangerous situations.

Try to avoid appearing vulnerable. Know where you’re going at all times before you step foot from your hotel so you don’t appear lost. Keep your shoulders straight and stay alert.

A small crossbody purse can help you hold valuables flush against you.

9 nearly secret things to do if you fly Southwest

<p> Enjoy your alone time, but be sure to check in with people at home so they know you’re OK. </p> <p> If something happens — such as a medical emergency, losing your documents, or another mishap — you want the peace of mind of knowing someone at home knows where you are and can help make the situation safer and less stressful. </p>

Not having a contact or point of reference

Enjoy your alone time, but be sure to check in with people at home so they know you’re OK.

If something happens — such as a medical emergency, losing your documents, or another mishap — you want the peace of mind of knowing someone at home knows where you are and can help make the situation safer and less stressful.

<p> Without other people slowing you down, you may feel the urge to see everything you can. But don’t feel like just because you <em>can </em>do everything that you have to. Instead, try pacing yourself. </p> <p> Also, if this is your first solo venture, try visiting someplace closer to home that you’ve always wanted to see. That way, if you need to leave early for whatever reason, you’re somewhere familiar. </p>

Doing too much at once

Without other people slowing you down, you may feel the urge to see everything you can. But don’t feel like just because you can do everything that you have to. Instead, try pacing yourself.

Also, if this is your first solo venture, try visiting someplace closer to home that you’ve always wanted to see. That way, if you need to leave early for whatever reason, you’re somewhere familiar.

<p> One of the perks of traveling solo is that you don’t have to deal with people. But it can be a mistake to isolate yourself. </p> <p> Consider booking a group tour or two. Take advantage of senior-oriented activities and try to make friends. Don’t close yourself off to new opportunities and people. Remember, there is safety in numbers. </p><p class="">  <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=13&synd_postid=14777&synd_backlink_title=Compare+the+best+travel+credit+cards+for+nearly+free+travel&synd_backlink_position=8&synd_slug=top-travel-credit-cards">Compare the best travel credit cards for nearly free travel</a>  </p>

Isolating yourself

One of the perks of traveling solo is that you don’t have to deal with people. But it can be a mistake to isolate yourself.

Consider booking a group tour or two. Take advantage of senior-oriented activities and try to make friends. Don’t close yourself off to new opportunities and people. Remember, there is safety in numbers.

<p> Traveling at night can be dangerous for any solo traveler, but especially for senior citizens. The dark allows pickpockets and scammers to operate in the shadows. </p> <p> Try scheduling flights to arrive and depart during the day, and don’t stray far at night. </p>

Traveling at night

Traveling at night can be dangerous for any solo traveler, but especially for senior citizens. The dark allows pickpockets and scammers to operate in the shadows.

Try scheduling flights to arrive and depart during the day, and don’t stray far at night.

<p> If you’re a bit of a homebody, it can be difficult to know how much to pack when you travel. Resist the urge to take everything with you. Instead, make your trip easier and less complicated by just taking what you need. </p> <p> Pack the basics, and don’t fret if you forget something. After all, you can always buy whatever is missing when you get to your destination. </p>

Packing too heavy

If you’re a bit of a homebody, it can be difficult to know how much to pack when you travel. Resist the urge to take everything with you. Instead, make your trip easier and less complicated by just taking what you need.

Pack the basics, and don’t fret if you forget something. After all, you can always buy whatever is missing when you get to your destination.

<p> In some ways, the ultimate mistake you can make is being afraid to travel solo at all. </p> <p> As long as you’re prepared and stay smart about things, there is no reason to be scared. You don’t need the presence of others to enrich your life through travel. That is something you can do entirely on your own. </p><p class=""><b>Pro tip: </b>Take advantage of as many discounts as you can along the way. Additionally, consider using a credit card where you can <a href="https://financebuzz.com/top-cash-back-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=16&synd_postid=14777&synd_backlink_title=earn+cash+back&synd_backlink_position=9&synd_slug=top-cash-back-credit-cards">earn cash back</a> or other rewards to cut down on your overall costs.</p>

Avoiding solo travel

In some ways, the ultimate mistake you can make is being afraid to travel solo at all.

As long as you’re prepared and stay smart about things, there is no reason to be scared. You don’t need the presence of others to enrich your life through travel. That is something you can do entirely on your own.

Pro tip: Take advantage of as many discounts as you can along the way. Additionally, consider using a credit card where you can earn cash back or other rewards to cut down on your overall costs.

<p> Life is too short not to do what you want, especially when you reach a stage where you have the time and resources to explore the world. </p> <p> Planning well and avoiding some common mistakes can help you <a href="https://financebuzz.com/5k-a-month-moves-55mp?utm_source=msn&utm_medium=feed&synd_slide=17&synd_postid=14777&synd_backlink_title=keep+more+money+in+your%0Awallet&synd_backlink_position=10&synd_slug=5k-a-month-moves-55mp">keep more money in your wallet</a> and stay safe on your next trip. If you want to spend your time traveling, get out there and start sightseeing. </p><p class="">  <p class=""><b>More from FinanceBuzz:</b></p> <ul> <li><a href="https://www.financebuzz.com/shopper-hacks-Costco-55mp?utm_source=msn&utm_medium=feed&synd_slide=17&synd_postid=14777&synd_backlink_title=6+genius+hacks+Costco+shoppers+should+know.&synd_backlink_position=11&synd_slug=shopper-hacks-Costco-55mp">6 genius hacks Costco shoppers should know.</a></li> <li><a href="https://financebuzz.com/offer/bypass/637?source=%2Flatest%2Fmsn%2Fslideshow%2Ffeed%2F&aff_id=1006&aff_sub=msn&aff_sub2=&aff_sub3=&aff_sub4=feed&aff_sub5=%7Bimpressionid%7D&aff_click_id=&aff_unique1=%7Baff_unique1%7D&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5=%7Baff_unique5%7D&rendered_slug=/latest/msn/slideshow/feed/&contentblockid=2708&contentblockversionid=21425&ml_sort_id=&sorted_item_id=&widget_type=&cms_offer_id=637&keywords=&ai_listing_id=&utm_source=msn&utm_medium=feed&synd_slide=17&synd_postid=14777&synd_backlink_title=Can+you+retire+early%3F+Take+this+quiz+and+find+out.&synd_backlink_position=12&synd_slug=offer/bypass/637">Can you retire early? Take this quiz and find out.</a></li> <li><a href="https://financebuzz.com/supplement-income-55mp?utm_source=msn&utm_medium=feed&synd_slide=17&synd_postid=14777&synd_backlink_title=7+things+to+do+if+you%27re+scraping+by+financially.&synd_backlink_position=13&synd_slug=supplement-income-55mp">7 things to do if you're scraping by financially.</a></li> <li><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=17&synd_postid=14777&synd_backlink_title=9+simple+ways+to+make+up+to+an+extra+%24200%2Fday&synd_backlink_position=14&synd_slug=extra-newsletter-signup-testimonials-synd">9 simple ways to make up to an extra $200/day</a></li> </ul>  </p>

Bottom line

Life is too short not to do what you want, especially when you reach a stage where you have the time and resources to explore the world.

Planning well and avoiding some common mistakes can help you keep more money in your wallet and stay safe on your next trip. If you want to spend your time traveling, get out there and start sightseeing.

More from FinanceBuzz:

  • 7 things to do if you're scraping by financially.
  • 6 genius hacks Costco shoppers should know.
  • Can you retire early? Take this quiz and find out.
  • Are you a homeowner? Get a protection plan on all your appliances.

More for You

donald trump party

Jack Smith Moves to Get Hold of New Documents Against Trump

Screenshot 2024-03-06 at 14.49.04.png

Stephen Colbert pours cold water on George Santos’ plan to return to Congress

Dad of Marine Killed in Afghanistan Charged After Heckling Biden During SOTU

Dad of Marine Killed in Afghanistan Charged After Heckling Biden During SOTU

Emma Flint smiling

I'm abrosexual - it took me 30 years to realise

Dr. Miguel Cardona, U.S. Secretary of Education, speaks onstage during the 2024 Martin Luther King, Jr. Beloved Community Commemorative Service at Ebenezer Baptist Church on January 15, 2024 in Atlanta, Georgia. The annual service is held in honor of the life of civil rights icon Dr. Martin Luther King, Jr. who would have turn 95 on January 15th.

Who was the designated survivor for the 2024 State of the Union address?

This type of innovation could easily spread across other industries that use plastic bottles for products like shampoo and lotion.

Heinz rolls out newly designed ketchup bottle that could set new standard for packaging: 'We can't continue to do things as we have in the past'

Opinion: The Georgia case against Trump may be fatally compromised

Fulton County ethics board drops Fani Willis complaints from hearing

Katie Britt speaks in Washington DC

Republican Katie Britt Ruthlessly Mocked for SOTU Response

Trump supporters participate in a rally in Washington, Jan. 6, 2021 that some blame for fueling the attack on the U.S. Capitol.

'Dismay and disbelief': What US allies are saying about the chance of another Trump presidency

Brown recluse spider table

The Cleaning Tip That Will Prevent Brown Recluse Spiders From Invading Your Home

NEWS: [Subcat: US] Map shows the best place to buy a house in US to survive nuclear war (SEO) METRO GRAPHICS Credit FEMA / Getty / metro.co.uk

Map reveals best places to live in the US if nuclear war breaks out

President Joe Biden arrives to board Air Force One, Tuesday, March 5, 2024, in Hagerstown, Md. The President is traveling to Washington. (AP Photo/Alex Brandon) (Photo: via Associated Press)

Palestinian Woman Invited To State Of The Union Speech Says U.S. Has ‘Blood On Its Hands’

Dozens of Palestinians were killed and at least 280 were wounded when they were fired upon during a humanitarian aid delivery in Gaza City early Thursday.

IDF releases review of deadly shooting near aid convoy in Gaza, says Palestinians fired at 'posed a threat'

FILE - College students have fun during their spring break in the South Beach area of Miami Beach, Fla., March 14, 2016. Miami Beach officials can move forward with plans to end alcohol sales after 2 a.m. in certain parts of South Beach, an internationally famous tourist spot, according to a ruling handed down Tuesday, March 14, 2023.

Here are the rules Miami is imposing for spring break

Real-estate billionaire Barry Sternlicht offers a solution to the U.S. inflation problem: ‘Tell Congress to stop spending money like drunken sailors’

Real-estate billionaire Barry Sternlicht offers a solution to the U.S. inflation problem: ‘Tell Congress to stop spending money like drunken sailors’

Trucking companies ordered to pay $1M fine for illegal modifications to big rigs: 'This case is one of the largest of its kind'

Trucking companies ordered to pay $1M fine for illegal modifications to big rigs: 'This case is one of the largest of its kind'

Opinion: Trump’s slandering America as a chaotic hellscape only he can rule

Opinion: Trump’s slandering America as a chaotic hellscape only he can rule

Generic shot of white supplement powder

Cutting Back on One Amino Acid Increases Lifespan of Middle-Aged Mice Up to 33%

Weight Loss Drugmaker Eli Lilly Releases Oscars Ad Jabbing People Who Use the Drugs for 'Vanity': 'It’s Not for That'

Weight Loss Drugmaker Eli Lilly Releases Oscars Ad Jabbing People Who Use the Drugs for 'Vanity': 'It’s Not for That'

Erin Napier smiling

HGTV's Erin Napier Warns Against This Countertop Type In Old Homes

IMAGES

  1. Top tips: Travel Insurance for Over 80s

    travel insurance for seniors over 80

  2. Best Seniors Travel Insurance Guide

    travel insurance for seniors over 80

  3. Travel Insurance for Seniors Post-Covid (for 2022)

    travel insurance for seniors over 80

  4. The Best Travel Insurance Companies for Seniors (Updated 2023)

    travel insurance for seniors over 80

  5. Travel Insurance for Seniors & Snowbirds

    travel insurance for seniors over 80

  6. The Best Travel Insurance For Seniors (From $26.71 Per Week)

    travel insurance for seniors over 80

COMMENTS

  1. Best Senior Travel Insurance Of March 2024

    Compare 24 travel insurance policies for seniors over 80 based on benefits, costs and ratings. Find out which plans offer generous medical coverage, pre-existing condition waivers and cancel for any reason reimbursement.

  2. Best Travel Insurance for Seniors in March 2024

    Compare travel insurance policies for older adults based on coverage, cost and exclusions. Find out which companies offer medical, trip cancellation, baggage and COVID protection for your travel needs.

  3. Best Travel Insurance for Seniors Guide

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

  4. 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. ... travelers over the age of 80 qualify for a total ...

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

    Learn why travel insurance is important for seniors and how to compare policies for different ages and needs. Find out how to get coverage for medical expenses, trip cancellation, evacuation, and more.

  6. Senior Travel Insurance: What to Know

    Learn how to protect your trip with travel insurance for seniors over 80, including the best options, tips and coverage. Compare plans from different providers and find out what existing coverage you may have. Find out the benefits and drawbacks of travel insurance for seniors over 80.

  7. Best Senior Travel Insurance Companies Of March 2024

    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 ...

  8. The Best Travel Insurance Plans for Seniors

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

  9. Best senior travel insurance 2024

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

  10. The 9 Best Senior Travel Insurance Companies of 2024

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

  11. Getting Travel Health Insurance for Older Travelers

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

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

    USI Affinity Travel Insurance Services Ruby Plan. Why we picked it: USI Affinity's Ruby plan has solid medical benefits and very competitive prices for seniors who are traveling. The plan comes ...

  13. Travel Insurance For Seniors Over 80

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

  14. Travel Insurance for Senior Travelers

    Travel Insurance for Seniors. Travel only gets better when you're over 50. You have enough experience to be comfortable anywhere in the world, from Shanghai to Santiago, and you have the time and resources to plan incredible adventures. Where will your next ticket take you?

  15. Over 80s Travel Insurance

    With our Travel Insurance for seniors over 80, you can benefit from: Single trip cover up to 94 days with no upper age limit. Hundreds of pre-existing medical conditions, including terminal prognosis covered. High levels of cancellation and emergency medical expenses cover. Lost documents, baggage, medications, and medical aids cover.

  16. Seniors Travel Insurance

    We recommend our top choice of plans below: Our Over-65 and Over-80 travel insurance plans provide medical coverage, medical evacuation coverage, repatriation, and multiple deductible options along with multiple amounts of coverage. We can find you the perfect travel insurance plan based on your age, activity, or location.

  17. Travel Insurance for Seniors & Snowbirds

    Travel Insurance for Seniors and Snowbirds. Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers. Here are just a few reasons to protect yourself with RBC Travel Insurance:

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

    Age is a critical factor in determining the price of a travel insurance policy and you may notice that policies get more expensive the older that you are. Generally, you can expect a travel insurance policy to cost between 7% and 9% of the total trip cost. For those over 80 years old who require the most comprehensive plans, the cost may be higher.

  19. Travel insurance for seniors over 80

    Best Travel Insurance For Seniors Over 80 Introduction Travel insurance is a must for anyone who plans a trip abroad. However, seniors over 80 should prioritize it more than other travelers. Senior travelers and retirees face unique risks and worries when they travel away from home. This increases the importance of travel insurance including emergency medical coverage […]

  20. Health Insurance for Seniors Over 80 Visiting the USA

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

  21. Over 80s Travel Insurance

    Over 80s Travel Insurance with pre existing medical conditions enables you to keep exploring new destinations and return to the places you love. 79%2 of over 80-year-olds we surveyed hope to travel twice or more in 2023. More than 1 in 10 (16%) are even planning to take four or more trips. If you're one of the many over 80s planning to make ...

  22. Compare Travel Insurance for Over 80s

    Medical expenses: Over 80s policies may have more medical cover than standard policies, including extra cover for equipment and prescriptions. Repatriation: If an emergency means that you need to cut your holiday short and return home, travel insurance will cover the cost. Cancellation cover: You can claim back the cost of your policy if you need to cancel due to an emergency such as ...

  23. Compare Senior Travel Insurance

    Yes, travel insurance is available for older people, but it may be more expensive due to the higher risk category placed on travellers over 65. This is because there is a greater likelihood of needing to make a claim or having existing medical conditions. When comparing travel insurance for over 75s, you'll likely find prices increase annually ...

  24. Assessing the Value of Travel Insurance for Your Trips

    Travel insurance costs can range from 4% to 12% of your total trip cost. Travel insurance is best for trips that are long, expensive, nonrefundable, and international. Vacations can be very expensive.

  25. Older Adults Now Able to Receive Additional Dose of Updated COVID-19

    U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES. Whether diseases start at home or abroad, are curable or preventable, chronic or acute, or from human activity or deliberate attack, CDC's world-leading experts protect lives and livelihoods, national security and the U.S. economy by providing timely, commonsense information, and rapidly identifying and responding to diseases, including outbreaks ...

  26. 15 Costly Mistakes Seniors Make When Traveling Solo

    Comprehensive travel insurance isn't always necessary, but it can be a lifesaver for solo travelers. If you're in another country and you hurt yourself, you don't want to be left without ...