international travel insurance over 70's

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

Christine Krzyszton

Senior Finance Contributor

325 Published Articles

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

Keri Stooksbury

Editor-in-Chief

43 Published Articles 3382 Edited Articles

Countries Visited: 50 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

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

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

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

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

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

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

Travel insurance can cover the following situations:

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

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

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

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

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

The Cost of Travel Insurance

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

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

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

Preexisting Conditions

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

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

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

Travel Insurance and Medicare

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

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

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

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

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

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

COVID-19 and Travel Insurance

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

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

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

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

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

World Nomads — Best For Active Seniors

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

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

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

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

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

Secure your own quote from World Nomads .

Allianz — Best for Annual Multi-Trip Policies

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

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

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

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

Best for Covering COVID-19 Cancellations

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

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

• John Hancock
• Seven Corners

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

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

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

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

Best for Preexisting Conditions

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

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

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

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 . 

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

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

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

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® also come with valuable emergency evacuation coverage. The Amex Platinum card, unlike typical credit cards, allows you to carry a balance for certain charges, but not all. 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 .

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Travel insurance

Best travel insurance for seniors in September 2024

Amy Fontinelle

Heidi Gollub

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

Updated 5:55 a.m. UTC Sep. 2, 2024

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Top-rated travel insurance for seniors.

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, why it made our list.

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

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

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

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

Compare the best travel insurance for seniors

Via Compare Coverage’s website

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.

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.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

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

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

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

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

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

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

More travel insurance for seniors resources

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

Best senior travel insurance FAQs

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

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

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

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

More: Is travel insurance worth it?

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

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

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

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

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

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

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

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

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The Best Coverage for Older Travelers

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

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

What is Senior Travel Insurance?

Senior travel insurance is designed specifically for travelers aged 65 and older, offering tailored coverage that addresses the unique needs and risks they may face while abroad. These policies often include comprehensive benefits such as medical emergency coverage, provisions for pre-existing medical conditions, trip cancellation protection, and lost baggage reimbursement.

Some plans feature higher benefit limits for medical expenses and emergency evacuations, ensuring you have the necessary protection and peace of mind during your travels.

What Coverage Do I Need as a Senior Traveler?

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

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

Read More: Travel Health Insurance

What Are the Best Travel Insurance Plans for Seniors?

The following travel insurance plans work best for seniors traveling abroad:

• GeoBlue Voyager : An excellent option for U.S. Citizens – Learn More | Free Quote / Buy
• Trawick Safe Travels USA : A great choice for visitors to the U.S. – Learn More | Free Quote / Buy
• IMG Patriot Platinum : The best plan for internationals – Learn More | Free Quote / Buy

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

Senior Travel Insurance Plan Daily Rates: Review and Compare

Annual travel insurance plans for seniors.

Annual or multi-trip travel insurance plans allow you to purchase coverage for a full 12 months and pay one premium. A yearly plan is typically more affordable if you travel three or more times per year.

Multi-Trip Plans for U.S. Citizens

The GeoBlue Trekker annual plan offers the most comprehensive coverage at surprisingly affordable rates. Older travelers often have limited coverage when traveling abroad, but the Trekker plan offers up to $500,000 in medical benefits plus emergency evacuation and repatriation coverage.

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Annual Plans for All Nationalities

The IMG Patriot Multi-Trip Travel Insurance plan is an affordable option for older travelers from outside of the U.S., visiting any country in the world.

Patriot Multi-Trip Insurance

• Annual travel medical coverage
• Designed for individuals and dependents
• Full year of cover for trips of 30, 60, or 90 days in length

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

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

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

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

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

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

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

GeoBlue Voyager Plan

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

Budget-Friendly Travel Insurance for U.S. Seniors

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

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

This senior travel insurance plan includes the following benefits:

• Non-Emergency Medical Evacuation
• Felonious Battery (where the client is the victim)
• Inter-Facility Transportation
• Limited to U.S. citizens currently enrolled in Medicare Parts A & B

For pricing and coverage: Request a GlobeHopper quote

Travel Insurance for Older Visitors to the U.S.

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

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

The Trawick Safe Travels USA Comprehensive plan covers the acute onset of pre-existing conditions. Benefits are payable up to the maximum policy limit purchased.

Request a Quote for Trawick Safe Travels USA

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

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

Travel Insurance for Seniors Aged 65 to 80+, Excluding the U.S.

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

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

The IMG Patriot Platinum plan is a great option for all seniors seeking medical coverage while traveling outside their home country.

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

Patriot Platinum Travel Insurance

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

Travel Insurance for Seniors Over 70 Years Old

For seniors aged 70 or older, choosing travel insurance involves some extra considerations. Your priorities for coverage might differ, which can result in lower medical benefits per trip and higher costs. Check the table above for specific details on costs and coverage limits.

The Best Travel Insurance for Seniors Aged 70 and Above

For U.S. Citizens Traveling Abroad

For Travel to the U.S. or Globally

The Benefits of Overseas Travel Medical Insurance for Seniors

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

Seniors seeking the best Overseas Health Insurance Coverage for their upcoming trip should consider a policy that includes the following benefits:

• Emergency Medical Evacuation is crucial for travelers because it ensures you can be quickly transported to a suitable medical facility in case of a severe illness or injury. This coverage can be vital in remote or underdeveloped regions where advanced medical care may not be readily available.
• Emergency Medical and Hospitalization coverage is essential for travelers as it provides financial protection against unexpected medical expenses, including treatment and hospital stays. This ensures that you receive necessary care without facing overwhelming costs while abroad.
• Lost Baggage coverage provides compensation for lost, stolen, or delayed luggage, ensuring you can replace essential items and continue your journey without significant financial burden. This coverage offers peace of mind by protecting against the inconvenience and costs associated with baggage mishaps during travel.
• Trip Interruption coverage reimburses non-refundable expenses and additional costs incurred if a trip is cut short due to unforeseen events, such as illness, family emergencies, or natural disasters. This coverage helps protect travelers from financial losses and helps manage unexpected situations more effectively.
• Trip Cancellation coverage is an excellent benefit to have in a policy. It provides reimbursement for pre-paid, non-refundable expenses if a trip is canceled due to unforeseen events like illness, severe weather, or other emergencies. This coverage helps protect you from significant financial losses.

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

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

Travel Insurance Options for Seniors

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

The Best Trip Cancellation Insurance for Seniors Going Abroad

Trip cancellation coverage provides the same great coverage found in a senior travel insurance plan and the additional benefit of covering your travel costs should an unforeseen event force you to cancel your trip.

The Best Trip Insurance Plan for U.S. Seniors Traveling Abroad

Safe Travels Voyager

• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available
• Up to $250,000 in emergency medical coverage

Travel Medical Insurance for Seniors

Coverage with travel insurance if you are over 65.

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

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

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

• Emergency Evacuation
• Repatriation of Remains
• Hospital Room and Board
• Ambulance Services
• Trip Interruptions or Delays
• Loss of baggage or personal items
• Accidental Death Coverage

Read More: Staying Healthy While Traveling as a Retiree

How to Compare and Buy the Right Plan

When purchasing travel insurance, seniors often have unique needs that go beyond what basic plans offer. Many companies cover seniors under standard policies, which may not provide adequate protection for medical emergencies, trip cancellations, or pre-existing conditions.

Therefore, it's important to compare policies and consider the following factors before applying for a plan to ensure you are getting the coverage you need:

Age Restrictions

Age is a significant factor when choosing travel insurance, as it affects both the plans available to you and determines your premiums and benefits. As you get older, especially after age 60 or 70, the cost of insurance usually goes up as older people are seen as a higher risk for medical issues. Some plans may stop offering coverage beyond a certain age, while others are designed specifically for seniors. Knowing your age bracket is key to finding the right plan that fits your needs and budget.

Geographic Restrictions

It is also important to confirm that your travel insurance covers the countries or regions where you plan to travel. Some policies may offer coverage only in select countries or exclude certain destinations. Be sure to check if the plan includes coverage for your entire itinerary, especially for trips that involve multiple countries, so you're not left unprotected during your travels.

Maximum Coverage Limits and Deductibles

Another thing to consider when buying senior traveler insurance is the policy's maximum coverage limits and deductibles. Some companies may offer lower coverage limits or higher deductibles based on your health condition. Generally, the higher your risk of needing to claim, the more expensive the insurance will be. It's important to find a plan that balances adequate coverage with an affordable deductible, tailored to your health and travel needs.

Understanding the Three Basic Types of Travel Insurance

There are three basic types of travel insurance: emergency medical coverage, trip cancellation insurance, and 24-hour telephone assistance. Each type provides different protection, so it’s essential to understand the differences. When comparing policies, pay close attention to the fine print, including exceptions, exclusions, and the free-look period, to avoid any unexpected surprises. Make sure to compare plans side-by-side to find the best option to suit your needs.

Buying senior travel insurance can be time-consuming, but it doesn't have to be stressful. You can contact us if you have questions needing clarification, and we will gladly guide you.

Our Recommended Travel Insurance Plans for Older Travelers

• Blue Cross Travel Insurance: An excellent option for U.S. citizens – Learn More | Get a Free Quote & Buy
• Trawick Safe Travels USA: A great choice for visitors to the U.S. – Learn More | Get a Free Quote & Buy
• IMG Patriot Platinum: The best plan for international travel – Learn More | Get a Free Quote & Buy
• Atlas Travel Medical: Great for all nationalities – Learn More | Get a Free Quote & Buy
• IMG GlobeHopper Senior Plan: Affordable plan for older U.S. citizens with Medicare A & B – Learn More | Get a Free Quote & Buy

Frequently Asked Questions

How much does senior travel insurance cost.

The cost of travel insurance for seniors aged 65 to 85+ can vary widely, starting at $8 to $10 per day and ranging from $100 to $500 per trip, depending on the duration of the trip and the level of coverage selected.

Several factors can influence the cost of these plans, including:

• Age:  Older travelers typically face higher premiums due to age and increased health risks.
• Policy Deductible:  Choosing a higher deductible can lower the premium, while a lower deductible can increase it. Some plans have set deductibles for older travelers, and options are minimal.
• Destination: Traveling to countries with higher healthcare costs can increase the insurance premium.
• Trip Duration: Longer trips generally result in higher insurance costs.
• Pre-existing Medical Conditions: Pre-existing conditions may increase the cost or require a waiver for coverage. If your policy includes coverage for your pre-existing condition, your premium will be higher than that of a plan that does not.
• Travel Activities:  Engaging in high-risk activities like adventure sports can raise your insurance premium.

When should seniors purchase travel insurance?

You should purchase travel insurance as soon as you book your trip to ensure you are covered for any unexpected events that may occur before departure, such as trip cancellations or changes in health conditions.

Buying insurance early also provides time to review policy details, confirm coverage for pre-existing conditions, and take advantage of any free-look period to make adjustments if needed.

Is there an age limit on travel insurance?

Yes, there is often an age limit for seniors on travel insurance, which can vary depending on the insurance provider and the type of coverage. Some insurers may limit coverage for travelers over a certain age, such as 85 or 90.

It's important to compare policies and providers to find the best coverage options available for your specific age and health needs.

Does Medicare cover international trips?

Medicare generally does not cover healthcare services received while traveling outside the United States, with some rare exceptions for emergencies near U.S. borders or on cruise ships close to U.S. ports.

Therefore, seniors should consider purchasing travel insurance with medical coverage for international trips to ensure adequate protection against unexpected medical expenses.

Read Senior Medicare Overseas: Get the Coverage You Really Need to learn more.

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

Yes, you can get travel insurance with a pre-existing condition. Many travel insurance plans offer coverage for pre-existing conditions, but checking the specific terms and conditions is essential.

Some insurers may require you to purchase the policy soon after booking your trip or may have a look-back period for evaluating pre-existing conditions.

Our recommended travel medical plan, GeoBlue Voyager Choice , offers subscribers coverage for pre-existing conditions. The plan is available to those with primary U.S. insurance and will cover medical treatments for pre-existing conditions. GeoBlue does not require that insureds have primary insurance at the time of enrollment.

Furthermore, the Trawick Safe Travels USA plan provides limited coverage for an unexpected recurrence of a pre-existing condition. The maximum benefit amount provided for treatment of a pre-existing condition is $1,000.

Benefits are available for an unexpected recurrence of a pre-existing condition, subject to the following conditions:

• The recurrence must occur spontaneously and without advance warning, either from a doctor or through symptoms, must be of short duration, rapidly progressive, and require urgent medical care.
• It must happen at least 48 hours after the effective date of the policy.
• Medical treatment must be sought within 24 hours of the recurrence.

Is travel insurance worth it for seniors?

Travel insurance is worth it for senior travelers because it provides crucial coverage for unexpected medical emergencies, trip cancellations, and other unforeseen events that could lead to significant financial losses.

Seniors may face higher health risks while traveling, making it essential to have insurance that covers medical expenses and evacuation.

Additionally, many travel insurance policies can accommodate pre-existing conditions, offering further peace of mind.

Advice for Buying Travel Insurance

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

Get a fast, free, international insurance quote.

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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.

The Best Senior Travel Insurance for 2024

Trawick International »

Allianz Travel Insurance »

AIG Travel Guard »

Nationwide »

WorldTrips »

GeoBlue »

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

• Trawick International
• Allianz Travel Insurance
• AIG Travel Guard

Key takeaways

• Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost.
• Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
• Older travelers may also want to look for travel insurance plans that cover preexisting medical conditions.
• Some plans for seniors let individuals add on cancel for any reason (CFAR) coverage that reimburses up to 80% of prepaid travel expenses when a trip is canceled for any reason at all.

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.

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

• Trawick International: Best Overall
• Allianz Travel Insurance: Best Cancel for Any Reason
• AIG Travel Guard: Best Annual
• Nationwide: Best for Cruises
• WorldTrips: Best Budget
• GeoBlue: Best Medical

Incredibly high limits for medical expenses and emergency evacuation

Customize plan with optional CFAR coverage

Coverage is for trips up to 30 days if you're ages 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
• Up to $750 in emergency dental coverage
• Up to $2,000 in coverage for baggage and personal effects
• Up to $400 for baggage delays of 12-plus hours

SEE FULL REVIEW »

High reimbursement for CFAR coverage

Coverage for preexisting conditions is offered

Relatively low limits for baggage delays

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Trip change protector coverage up to $500
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $300
• Travel delay coverage up to $800 ($200 daily limit)
• $100 per day in SmartBenefits coverage per person for fixed inconvenience payments
• 24-hour hotline for assistance
• Concierge services
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Year-round comprehensive travel insurance coverage

Generous limits for medical and emergency medical evacuation

Does not include trip cancellation coverage

• Up to 100% of insured trip cost for trip interruptions (maximum of $2,500 per trip)
• Up to $1,500 for trip delays ($150 per day)
• Up to $500 for missed connections caused by delays of at least three hours
• Up to $2,500 for lost baggage
• Up to $1,000 for baggage delays of 12-plus hours
• Up to $50,000 for travel medical coverage ($500 dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 for accidental death and dismemberment (AD&D)
• Up to $100,000 for security evacuation coverage

Cruise-specific coverages and benefits

High limits for medical expenses and emergency evacuation

May be expensive compared to other coverage options

• Trip cancellation coverage up to 100% of prepaid trip cost
• Trip interruption coverage up to 150% of prepaid trip cost
• Trip interruption for any reason (IFAR) coverage worth $1,000 if conditions are met
• Missed connection coverage up to $2,500 for delays of three-plus hours
• Trip delay coverage up to $1,000 for delays of six-plus hours
• Itinerary change coverage worth $250 to $1,000 (depending on reason for change)
• Emergency medical coverage up to $150,000 (secondary with $750 dental sublimit)
• Emergency medical evacuation coverage up to $1 million
• Up to $25,000 for AD&D
• Up to $2,500 in coverage for lost or stolen baggage ($1,000 maximum for special items and $500 limit per article)
• Baggage delay coverage up to $1,000 for delays of six-plus hours
• Nonmedical evacuation coverage 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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

Medical-only coverage

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

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.

Why Trust U.S. News Travel

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

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• Best overall
• Best for expensive trips
• Best for older travelers
• Best for affordability
• Best for annual plans
• Why You Should Trust Us

Best Travel Insurance for Seniors of September 2024: Travel Insurance Coverage & Tips for Seniors

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

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Best Senior Travel Insurance Companies of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for age limits: TravelSafe Insurance
• Best for affordability: GeoBlue Travel Insurance
• Best for annual plans: Travel Guard

Top Travel Insurance for Seniors Comparison

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best Senior Travel Insurance Overall

Allianz travel insurance.

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

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

Read our Allianz Travel Insurance review .

Best Senior Travel Insurance for Expensive Trips

John hancock travel insurance.

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

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

Read our John Hancock Travel Insurance review .

Best Senior Travel Insurance for Age Limits

Travelsafe insurance.

TravelSafe is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers pre-existing condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit. With a great deal of flexibility, travelers don't have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers. 

Read our TravelSafe travel insurance review .

Best Senior Travel Insurance for Affordability

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance . Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors, earning it a spot among the best cheap travel insurance .

GeoBlue's policies cover travelers who are under 95 years old, offering sizeable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It's worth noting that while coverage for pre-existing conditions are available, it costs extra.

Read our GeoBlue Travel Insurance review .

Best Senior Travel Insurance for Annual Plans

Travel guard.

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

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

Read our AIG Travel Guard Insurance review .

Understanding Travel Insurance for Seniors

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

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.
• Pre-existing condition coverage:  Can mean two different things: coverage for trip cancellations as a result of pre-existing conditions or medical expenses as a result of pre-existing conditions. Either way, policy must be purchased within a certain time frame from when you booked your trip, usually two or three weeks.

Benefits of travel insurance for seniors

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

Making the most of your plan

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

Understanding your policy

When you purchase a travel insurance policy, you'll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you're not blindsided by unexpected claim denials. 

For example, if you're canceling a trip because unexpected work, you may not be eligible for coverage if you haven't worked at your company for long enough. Additionally, you should review your policy to ensure that your pre-existing condition is covered, as companies often have very specific language around what qualifies as a covered pre-existing condition.

Emergency assistance services

Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.

How to Pick Travel Insurance as a Senior Traveler

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

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

• Travel medical coverage - This coverage will pay for your medical bills outside the U.S.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Pre-existing conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a pre-existing condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

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

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

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

Why You Should Trust Us: How We Reviewed Senior Travel Insurance

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

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers and how much coverage you receive. We also looked at the age limits for a company's policy. 
• Coverage for pre-existing conditions: Pre-existing conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for pre-existing conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates. We also looked at how travel insurance companies price senior travel insurance compared to travel insurance for younger travelers.
• Benefits for seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about Business Insider's travel insurance rating methodology .

Best Senior Travel Insurance FAQ

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

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane ticket and hotel stay are refundable, there's no need to purchase trip cancellation. Seniors can also look into multi-trip insurance, which can save you money if you're planning multiple trips in a year.

All travel insurance companies included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

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

Most travel insurance companies will have an age limit, often only insuring people 80 years old and younger. However, many of the insurance companies in our guide have higher limits or no age limit at all.

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

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

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

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

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Best Travel Insurance for Seniors

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

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

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

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

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

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

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

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

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

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

Best Travel Insurance for Seniors in 2024

What we like most.

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

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

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

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

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

Pros About Allianz

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

Cons About Allianz

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

Final Thoughts

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

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

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

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

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

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

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

Pros About International Medical Group

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

Cons About International Medical Group

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

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

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

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

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

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

Pros About John Hancock

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

Cons About John Hancock

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

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

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

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

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

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

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

Pros About Nationwide

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

Cons About Nationwide

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

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

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

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

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

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

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

Pros About Travel Guard

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

Cons About Travel Guard

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

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

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

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

Our Methodology: How We Chose the Best Seniors Travel Insurance

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

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

Comparing the Best Travel Insurance for Seniors

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

What Does Travel Insurance Cover?

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

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

How Much Does Travel Insurance Cost for Seniors?

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

Tips for Choosing the Best Travel Insurance for Seniors

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

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

Frequently Asked Questions About Seniors Travel Insurance

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

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

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

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

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The Guide to Senior Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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.

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 some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

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. 

We Recommended

Our recommended plan

Geoblue Voyager Choice Premier Health Insurance for International Travel up to Age 94

One of the best international travel medical insurance plans for U.S. residents with pre-existing conditions

IMG Patriot America Plus International Medical Travel Insurance with Telehealth Benefits

Medical insurance for international travel for non-U.S. citizens and non-U.S. residents traveling globally, including to America

Scroll down to see all travel plans below

More seniors travel insurance plans

Seniors Travel Insurance – For Specific Needs

Img globehopper senior international travel medical insurance for u.s. residents.

International medical travel insurance for seniors on Medicare with no age limit

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

IMG Outreach International Travel Medical Insurance with Option to Add Enhanced Accidental Death & Dismemberment Benefit

One of the most affordable international travel medical insurance options available anywhere

Atlas International Travel Medical Insurance Policy

Great choice for travelers with personal liability & crisis response

HTH Trip Protector Trip Cancellation and Interruption Insurance with option for ‘Cancel For Any Reason’

Travel insurance offering trip cancellation coverage, including a benefit option that covers pre-existing medical conditions 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!

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Best Senior Travel Insurance

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

Tori Addison 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.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Top 9 Best Senior Travel Insurance Companies of 2024

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

• Faye: Our top pick for seniors
• Travelex : Best for budget travelers
• Nationwide Travel Insurance : Best for baggage coverage
• Generali Global Assistance : Best for trip interruption coverage
• Seven Corners Travel Insurance : Best for visitors to the USA
• HTH Travel Insurance : Best for group travel
• WorldTrips Travel Insurance: Most affordable comprehensive coverage
• Allianz: Best for concierge services
• International Medical Group : Best for medical coverage

Compare The Best Travel Insurance Companies for Seniors

It’s important to balance coverage with cost when searching for a senior travel insurance policy to ensure you get the best deal possible. See the table below for the average price of a travel insurance plan based on quotes we gathered from our top company picks. We’ve also included our recommended plans for seniors, availability of COVID-19 coverage and Better Business Bureau (BBB) ratings across each provider.

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

** The BBB scores for the travel insurance companies listed above are accurate as of August 2024.

The Best Senior Travel Insurance in Detail

Why We Picked Faye for Senior Travelers

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

Pros and Cons

Coverage and cost.

Faye offers the following add-on options:

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

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

Why We Picked Travelex for Senior Travelers

Travelex is our top choice for budget travelers due to its flat-rate coverage, which starts at $60 for U.S. travel. While the provider is one of the more expensive options for senior travelers, it’s worth considering because of its primary medical coverage. If you become hospitalized outside of the U.S. , Medicare won’t pay for most injuries and illnesses. A travel insurance plan that offers secondary coverage may leave you with a major medical bill after a serious accident. Travelex’s Travel Select plan allows seniors to upgrade their primary medical coverage with additional medical and emergency evacuation coverage, providing peace of mind while abroad.

• Trip cancellation: 100% of non-refundable costs
• Trip interruption: 100%–150% of non-refundable costs
• Baggage: $100–$200 for delays and $500–$1,000 for losses
• Medical expenses: $15,000–$50,000
• Medical evacuation: $100,000–$500,000

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

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

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

Nationwide Travel Insurance

Why We Picked Nationwide for Senior Travelers

We named Nationwide as the best for baggage coverage thanks to its generous coverage limits across various plans. We particularly like Nationwide’s Luxury Cruise plan, as it features several inclusions that benefit senior travelers at an affordable price. Trip interruption coverage includes up to 200% of your trip cost, and you can qualify for a pre-existing conditions waiver up to 21 days after your initial deposit. While medical limits are lower than most competitors, Nationwide’s general and cruise-specific coverages present a viable option for older travelers.

• Trip interruption: 125%–200% of non-refundable costs
• Baggage: $100–$600 for delays and $500–$2,000 for losses
• Medical expenses: $75,000–$150,000
• Medical evacuation: $250,000–$1 million

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

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

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

Generali Global Assistance

Why We Picked Generali Global Assistance for Senior Travelers

We named Generali Global Assistance best for trip interruption coverage, as it provides up to 175% reimbursement through its Premium plan when most insurers only offer up to 150%.  This coverage could be ideal for seniors worried about cutting their trip short due to an unforeseen event. We like how Generali’s policies include around-the-clock travel assistance, and its Premium plan offers generous medical coverage of up to $250,000. In addition, Generali’s medical coverage does not have a lower cap for dental coverage, which is a benefit if you experience a dental abscess or another major dental emergency on vacation.

• Trip interruption: 125% – 175% of non-refundable costs
• Baggage: $200–$500 for delays and $1,000–$2,000 for losses
• Medical expenses: $50,000–$250,000

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

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

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

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

Seven Corners Travel Insurance

Why We Picked Seven Corners for Senior Travelers

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

• Baggage: $500  for delays and $500–$2,500 for losses
• Medical expenses: $100,000–$500,000

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

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

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

HTH Travel Insurance

Why We Picked HTH for Senior Travelers

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

• Trip interruption: 100% of non-refundable costs (up to $1,000)
• Baggage: $500 for losses and delays
• Medical expenses: $50,000–$1 million
• Medical evacuation: $500,000

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

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

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

WorldTrips Travel Insurance

Why WorldTrips is Great for Senior Travelers

Our team named WorldTrips as the provider with the most affordable comprehensive coverage. We like how it offers three general plans with up to $250,000 in emergency medical coverage. In addition, its policies are competitively priced, with an average cost of $206 per senior traveler. This can make it a more appealing choice for seniors looking for well-rounded coverage on a budget. WorldTrips is also notable for its range of add-on options, being one of the only travel insurance companies we reviewed to offer multiple tiers of CFAR reimbursement options.

• Trip interruption: 125%–150%  of non-refundable costs
• Baggage: $200–$600 for delays and $2,500 for losses

WorldTrips offers the following add-on options, which vary in availability by plan choice:

• CFAR coverage (50% or 75% reimbursement rates available)
• IFAR coverage
• Adventure sports medical coverage waiver
• Medical evacuation (doubles the standard coverage limit)
• Rental car damage and theft

Our team collected quotes for a variety of senior trips directly from WorldTrips to learn more about what seniors pay for travel insurance on average. In our review, we found the average senior traveler will pay a total of $276 for a travel insurance policy from WorldTrips.

Allianz Global Assistance

Our team named Allianz Travel Insurance as the best travel insurance company for concierge services. The Allianz OneTrip Prime and OneTrip Premier plans both include access to 24/7 concierge assistance around the world. We like how this service provides personalized information about your destination as well as individual assistance communicating with emergency and medical professionals during a crisis. In non-emergency situations, Allianz’s concierge service can help you make the most of your time abroad by booking reservations, tee times and other local add-ons.

• Baggage: $200–$600 for delays and $500–$2,000 for losses
• Medical expenses: $10,000–$75,000
• Medical evacuation: $50,000–$1 million

Allianz currently offers the following add-on options, with choices varying by plan:

• Rental car protection
• CFAR upgrade (reimburses up to 80% of trip expenses)

After collecting a range of quotes from Allianz, we concluded the average senior traveler will pay about $551 for insurance. This is higher than the national average our team calculated, especially in light of Allianz’s lower medical coverage limits.

International Medical Group

Why IMG Is Great for Senior Travelers

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

• Trip interruption: 125% of non-refundable costs
• Baggage: $150–$500 for delays and $750–$2,500 for losses
• Medical expenses: $100,000–$8 million

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

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

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

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

How We Ranked the Best Senior Travel Insurance Companies

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

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

How Much Does Senior Travel Insurance Cost?

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

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

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

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

How To Pick The Best Senior Travel Insurance Plan

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

Check for Pre-Existing Conditions Waivers

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

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

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

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

Opt for Primary Medical Coverage

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

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

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

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

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

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

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

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

Frequent International Travelers: Consider Annual Travel Insurance

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

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

Make Sure You Have 100% Trip Cancellation and Interruption Insurance

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

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

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

See the table below for a comparison of CFAR coverage between our top picks for senior travel insurance providers.

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

How To Save On Travel Insurance

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

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

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

Read more on travel credit cards: AMEX Travel Insurance and Chase Sapphire Preferred travel insurance

What Else Do Seniors Need To Know About Travel Insurance?

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

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

Created with Sketch Beta. Pre-existing 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 pre-existing 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.

Why Should Seniors Buy Travel Insurance?

As a senior citizen, you may rely on Medicare as your primary form of health insurance coverage. However, Medicare does not offer coverage for most medical expenses that you could incur abroad. Without medical travel insurance, seniors could face thousands of dollars in emergency medical expenses if an accident occurs on vacation. 

Travel insurance also can provide benefits beyond medical protection. Most travel insurance policies will reimburse up to 100% of nonrefundable trip expenses, which helps protect your investments. Benefits for baggage loss, emergency evacuations and flight delays are also included in most plans. If you’re a senior living on a budget income, these protections can provide peace of mind as you travel.

Deciding on a travel insurance plan as a senior is a personal decision. Considering your travel needs can help make the decision easier, and we recommend asking yourself questions such as these before purchasing a plan:

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

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

When To Skip Travel Insurance

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

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

Is Senior Travel Insurance Worth It?

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

Expert Tips and Insights 

Professor in Commercial Recreation and Tourism Pennsylvania State University

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

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

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

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

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

Associate Professor Emeritus Kansas State University

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

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

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

What is the best travel insurance for senior citizens?

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

Do I need travel insurance if I have Medicare?

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

Can you get travel insurance with a preexisting condition?

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

Methodology: How We Rate Travel Insurance Companies

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

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

AM Best Disclaimer

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

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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

How can I find affordable travel insurance when I’m over 65?

You might experience sticker shock when buying travel insurance as a senior. That’s because the price of insurance is based on statistical risk, and older travelers, as a group, are at a higher risk of health problems.

The price of travel insurance is also based on trip cost. So if you’re planning an expensive trip, and if you’re buying insurance for a spouse or travel companion as well, you might conclude that travel insurance is just too expensive. Don’t! Here are a few ideas for saving money on travel insurance when you’re 65+.

• Consider an annual travel insurance plan. Here’s a little-known travel secret: When you’re buying annual insurance, age does not affect the cost. It’s the same price whether you’re 25 or 75 years old, and it covers all your trips in a 365-day span! That’s why an AllTrips plan may be the best travel insurance plan for senior travelers who intend to take two or more trips in the next 12 months. There’s just one thing to keep in mind: AllTrips plans’ trip cancellation and trip interruption benefit limits are per insured, per year . So if your limit is $3,000, and you file a trip cancellation claim for $2,500, you’ll only be covered up to $500 for the rest of your plan’s duration. The AllTrips Premier plan offers tiered levels of trip cancellation/interruption, so you can opt for a higher plan maximum.
• If you’re traveling in the U.S., skip emergency medical. Emergency medical benefits are most valuable when you’re overseas, where Medicare doesn’t cover you. So if you’re planning a domestic trip, you can save a lot of money by purchasing OneTrip Cancellation Plus . This plan only includes trip cancellation, trip interruption and travel delay.
• Grandchildren can be covered for free. Traveling overseas with grandkids? You can save a lot of money with OneTrip Prime or OneTrip Premier . Both plans offer substantial benefits and cover children 17 and under for free when they’re traveling with a parent or a grandparent. These two plans also include a pretty amazing perk called SmartBenefits® . With SmartBenefits, you can get paid $100 per insured person, per day for a covered travel or baggage delay. You don’t even need to provide receipts—just proof of the delay.
• Remember: It’s better to have lower-limit travel insurance than none at all. If you’re having a hard time finding an affordable travel insurance plan for 65+ travelers, consider one with lower coverage limits. OneTrip Basic includes all the key benefits—emergency medical, trip cancellation, travel delay and more—and is economically priced.

Discover why every year, over 70 million Americans—including millions of 65+ travelers—trust Allianz Travel Insurance to protect their biggest adventures. Get a quote and buy a plan, so you can travel with confidence.

Related Articles

• Buying Annual Travel Insurance Over 65
• Skip-Generation Trips: Why 'Gramping' is Growing & Where to Go
• Airport Travel Tips for Seniors
• Medicare.gov

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The Best Travel Insurance for Seniors in 2024

On This Page

• Key Takeaways

Our picks for the best travel insurance for seniors in 2024

Recommended coverage for senior travelers, how much does senior travel insurance cost, how to reduce the cost of travel insurance for seniors, how to compare travel insurance for seniors, travel insurance for seniors frequently asked questions (faq).

• Our readers also like

Related topics

• Age is the number one factor that influences the cost of travel insurance, so seniors pay a slightly higher premium than younger travelers .
• Many seniors’ travel insurance plans don’t have an age limit, so there are plenty of options for buying travel insurance over 70 and into your 80s & 90s .
• Some companies offer specific travel insurance plans for senior travelers which can cover pre-existing conditions and are quite affordable.
• Based on our research, the best travel insurance plans for seniors are from Seven Corners, Generali, Tin Leg, Trawick, AEGIS & FAYE . ( skip ahead to view these plans ).

Our Best-selling Plan for Seniors

Seven corners, why we like it.

Editor's take

Seven Corners Trip Protection Choice is our top-selling plan among seniors.

This plan has no upper age limit and comes with extremely high primary medical coverage limits, meaning the insurance company will pay medical bills for you so you won’t have to pay out of pocket and wait to be reimbursed.

You’ll be covered for up to $500,000 for medical treatments and up to $1,000,000 for medical evacuations and repatriations to the US.

This plan can also cover pre-existing conditions if you meet the waiver criteria, making it a strong choice for senior travelers with pre-existing health conditions.

Apart from this, it comes with comprehensive coverage for trip cancellations and interruptions, travel delays, lost baggage, and more.

There are many reasons to love this plan!

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Budget-Friendly Coverage

Generali global assistance.

The Standard plan from Generali Global Assistance is a top choice if you’re seeking a cost-effective way to protect your trip. What sets this plan apart is its budget-friendly nature, making it accessible to a variety of travelers. Despite the cheap price, this comprehensive plan still offers luxurious perks and benefits and you are protected throughout every step of your journey.

To start, the Standard plan comes with comprehensive secondary emergency medical coverage with limits of $50K per person and medevac & repatriation coverage of $250k per person. While these limits are a bit lower than other plans and offer secondary coverage, they are great for travel within the U.S. or to neighboring countries. Note: the secondary medical coverage means you will be asked to pay the bills first and wait for reimbursement, therefore this plan is ideal for domestic travel or as a supplementary plan to your existing U.S. health insurance while you travel.

Highlights of medical coverage include:

• Emergency medical and dental assistance
• Medical treatments relating to COVID-19
• Medical Evacuation
• Accidental death & dismemberment while flying (exceptionally high coverage)
• Repatriation

Trip Cancellation and Trip Interruption coverage also come standard with this plan. If you need to cancel your trip for one of the covered reasons, you can receive reimbursement for 100% of the trip cost, or up to 125% of the trip cost if your trip is interrupted.

Examples of covered reasons for cancellation include:

• Medical Reasons / Covid-19 Sickness
• Weather conditions / Hurricanes
• Employment Layoff

Other notable benefits include coverage for your pet travel companion, travel delays, missed connections (for cruises and tours), identity theft while traveling, baggage delay/damage/loss, and emergency assistance and transportation. With this plan, you have free access to worldwide 24-hour emergency phone support and concierge services that can help book events, tours, restaurants, rental cars, offer advice, organize pick-ups, etc.

Whether you need assistance with medical emergencies or require guidance during your travels, the Generali Global Assistance team is ready to help. For added peace of mind, Generali Global Assistance offers a 10-day Money Back Guarantee.

What you won’t get standard with this plan is an extension of coverage if you are delayed or fall ill while traveling, reimbursement for rental car damage, or coverage for sports or adventure activities. However, you can pay extra to customize your plan with optional coverage add-ons to include coverage for Cancel for Any Reason and Interruption for Any Reason.

Read our full review

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Emergency Medical Coverage

The Tin Leg Gold plan continually ranks as one of the cheapest policies but offers high medical benefits and comprehensive cancellation coverage. This plan is specifically designed for travelers who want coverage for a bit of every scenario while traveling. However, it places high importance on your health while traveling.

The Gold plan’s impressive medical coverage includes a $500,000 limit for both primary emergency medical assistance and medical evacuation assistance – ensuring you can get the treatment you need and are returned home safely should anything happen while away. Best of all, the primary coverage means no deductibles or out-of-pocket expenses. Tin Leg will pay the bills for you.

Another major highlight of the Gold plan is its coverage of Pre-Existing Conditions. If you purchase Tin Leg Gold within 14 days of booking your trip and insuring the full trip cost, pre-existing conditions will be covered under the plan limits. This makes the plan great for older travelers or those who may have a flare-up.

At a glance, the following medical coverage comes standard:

• Emergency medical assistance
• Medical evacuation & repatriation
• Accidental death & dismemberment
• Medical coverage for COVID-19 sickness
• Pre-existing conditions (when meeting waiver criteria)
• Sports & adventure (exclusions apply)

The great coverage doesn’t stop at solely medical care. Another strong suit of the Tin Leg Gold plan is the Cancellation coverage which can reimburse you for up to 100% of the trip cost if you cancel or 150% of the trip cost if your travel is interrupted – due to reasons included in the policy.

Examples of some covered reasons for cancellation include:

• Medical reasons
• COVID-19 sickness
• Inclement weather

Other notable travel benefits that manage to cover a bit of everything include coverage for:

• Travel Delays
• Missed Connections
• Baggage delay/damage/loss
• Sports gear/equipment delay/damage/loss
• Optional Cancel For Any Reason cover

However, if travel delay & baggage coverage are extra important to you , it’s good to note that this plan has lower limits for reimbursement than other plans on our list when it comes to these scenarios. That said, it also offers higher medical limits at a fraction of the price of other providers. So, it’s up to you and your needs.

With a 14-day money-back guarantee and 24-hour travel assistance service, Tin Leg Gold goes above and beyond to ensure customer satisfaction and support. This policy truly stands out as a top choice for travelers who prioritize their well-being and want comprehensive coverage for their trips.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Great Mid-level Plan for Healthy Seniors

Trawick international.

Several of Trawick’s plans rank among our top-selling plans, but the Safe Travels Protect is Trawick’s most popular plan among seniors. It’s a solid middle-of-the-road plan that can cover you in most travel scenarios.

This plan is ideal for healthy seniors as it has lower medical coverage limits of $25,000 for treating accidents and illnesses that occur while you’re away. While this may not be enough for some more expensive health interventions, this plan has strong Medical Evacuation coverage of $250,000 that can repatriate you to the United States to a suitable hospital where your primary healthcare can take over.

This plan also offers up to 100% reimbursement for trip costs for cancellations and interruptions as outlined by the policy. You’ll get coverage for travel delays, baggage delays, lost personal items, and missed connections.

Note that this plan doesn’t cover pre-existing conditions and has a lookback period of 180 days.

Cheapest Coverage

We recommend the AEGIS GoReady Choice plan which offers coverage for trip cancellation, medical visits, emergency evacuation, baggage delay, accidental death, repatriation, and some sports accidents. This also includes coverage for situations like COVID. For example, you can also extend your trip up to 7 days if you end up having to quarantine.

AEGIS is a budget provider but offers solid plans for people who want travel insurance but need to reduce the cost. Seniors often fit this category as age can increase insurance premiums to levels that may break your budget.

One way AEGIS is able to offer cheaper plans is through offering secondary medical coverage. This means you’ll be asked to pay the initial medical bills and file for reimbursement. Although this may seem inconvenient, choosing this option can end up saving you hundreds on your travel insurance premium.

• One of the cheapest providers around
• Comprehensive coverage on a budget
• Strong cancellation & interruption coverage
• Optional upgrade covers pre-existing conditions
• Secondary medical coverage (not primary)

Strong Coverage & Easy to Use

Faye Travel Insurance

Faye is a newer provider that offers great travel coverage that is completely customizable. The coverage limits are high, and it’s well-known for how easy it is to buy and manage your plan through Faye. 

Faye boasts strong medical insurance that includes coverage for pre-existing medical conditions when you book within 14 days of your initial trip deposit. The lookback period is around six months (180 days). You will also love how easy it is to manage your booking and file a claim.

Faye offers an app-based service providing a streamlined user experience. The claims process is known for being one of the fastest around, and Faye is quickly growing to be a major contender and disruptor in the travel insurance game. 

Read our full Faye Travel Insurance review

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Why seniors need travel insurance

Senior citizens can benefit the most from travel insurance given their advanced age and increased risk of illness and injury.

• Senior travelers are more likely to become ill or injured while away from home , just as they are more likely to have pre-existing medical conditions that could flare up. Travel insurance can cover you for pre-existing medical conditions, pay for you to be treated while away or send you home to a hospital of your choice.
• Additionally, Medicare and Medicaid programs don’t cover you while traveling abroad. This means without a travel insurance plan, seniors run the risk of having to pay out of pocket for any medical treatment received while abroad. This can add up quickly depending on the severity of your ailment.
• Lastly, travel insurance can reimburse you for the total cost of your trip if need to come home early or cancel your trip altogether. These coverages are especially beneficial to seniors who are statistically more likely to use them.

Do seniors on Medicare need travel insurance?

In most cases, Medicare and Medicaid will not cover you outside of the US , so it’s important to purchase a travel insurance policy that will cover you during your vacations abroad.

However, there are rare occasions where Medicare may cover you for any medical treatment you receive in a foreign country, these include:

• You are traveling through the US when a medical emergency occurs and a foreign hospital is closer to you than the nearest US one.
• You are traveling through Canada by the most direct route between Alaska and another U.S. state and a medical emergency occurs. A Canadian hospital is closer than the nearest US hospital which can treat your emergency.
• You live in the US but a foreign hospital is far closer to your home than a US hospital.

For senior citizens taking a cruise, your Medicare may cover you if the ship is within 6 hours of a U.S. port. However, if the ship is further than 6 hours, you will not be covered - this is where a travel insurance policy can help.

Although the Medigap policy is designed to cover emergency medical care that you get outside the U.S., it is not without its drawbacks. This is seen especially in Medigap’s lifetime limit of $50,000 - costs can often run into the hundreds of thousands and having a comprehensive travel insurance policy can help cover the cost of any expensive medical bills.

Does travel insurance cover seniors with pre-existing conditions?

Certain travel insurance policies are made to cover people with pre-existing conditions. Generally speaking, to qualify for the pre-existing medical condition exclusion waiver you should buy your plan right after your first trip deposit.

On average, senior citizens are far more likely to have underlying health problems and pre-existing conditions which could flare up on a trip. Ensuring your policy has a pre-existing medical condition exclusion waiver will remove any exclusions for illnesses or conditions you already have.

You can read our full guide to travel insurance for pre-existing conditions here .

Here are some of the top picks for plans that cover pre-existing conditions for seniors:

• Generali Global Assistance Premium
• Seven Corners Trip Protection Choice
• Tin Leg Gold

We recommend the following coverage for senior travelers:

• Emergency travel medical coverage of at least $250k for trips abroad
• Medical evacuation coverage of at least $250k

Coverage for pre-existing medical conditions

• Repatriation of remains in case of death
• Trip cancellation and interruption coverage

Optional coverage to consider:

• Cancel for Any Reason coverage (optional)
• Annual travel coverage (optional)

Let’s have a look at each of these in greater detail.

Travel medical insurance coverage ($250,000+)

Since US health insurance (including Medicare and Medicaid) doesn’t usually work abroad, it’s important to buy adequate medical coverage. Having a medical emergency away from home can be incredibly costly, and that’s especially true if you require hospitalization, surgery, or long-term treatment and rehabilitation. Due to the increased probability of needing complex medical interventions, we suggest that seniors opt for policies that come with at least $250,000 in coverage for medical care . Most travel insurance plans now include standard protection for COVID-19-related treatments or hospitalizations, as well as insurance that pays for quarantine if you’re required to isolate during your trip.

Medical evacuation coverage ($250,000+)

We also recommend having at least $250,000 in coverage for medical evacuation . This type of coverage ensures you make it to a facility where you can receive adequate treatment. This even means flying you back to the US for treatment at a hospital of your choice. That said, being transported in a plane, a helicopter, or an ambulance to the nearest hospital or clinic can become costly when paying out of pocket. This type of coverage typically includes the repatriation of remains if you or a travel companion pass away while traveling.

Note: this coverage is especially important for seniors planning a cruise vacation . Not all cruise insurances cover medical evacuation, so it’s best to check before buying.

it’s extremely important to know ahead of time what is and isn’t covered under your plan. If you have recently recovered from a medical condition or you have a chronic disease that requires ongoing care, you’ll want to look for a travel insurance policy that offers coverage for pre-existing conditions. Not all travel insurance covers pre-existing conditions, so make sure you read the fine print.

Insurance for repatriation of remains

Coverage for the repatriation of remains is essential if you or your travel companion unexpectedly dies during a trip. For example, this type of coverage can help pay for transporting the body back to the US from the UK . It can also pay for a basic casket used for transport, as well as third-party air and ground shipping expenses. While you may not end up using this coverage, you will likely wish you had it in the event that you need it.

Optional cancel for any reason (CFAR) coverage

Your insurance company may also offer Cancel for Any Reason protection as an optional add-on to your plan. This type of coverage will make your travel insurance policy cost more, but it lets you cancel for any reason at all and get between 50% and 75% of your pre-paid, non-refundable travel expenses back.

Optional annual insurance plans

Annual travel plans are particularly well-suited for retirees and seniors who travel frequently. Annual travel insurance plans cover multiple trips to multiple destinations for a full calendar year from the date the policy begins. If you travel regularly, this type of coverage can often work out cheaper than getting several single-trip policies for each trip you take.

The average cost of travel insurance for senior travelers depends on various factors such your age, destination, trip length, trip Cost, pre-existing health conditions, plan upgrades, and more. However, age is the number one factor.

Here is a look at the average cost of travel insurance for seniors over 60 based on sales data from the past year*.

*Internal sales data from LA Times visitors that purchased travel insurance from 09/2023 - 09/2024

Age is the number one factor that causes travel insurance premiums to increase in price. The older you are, the more expensive you are to insure. It’s not unheard of for some travel insurance to cost seniors upwards of $1,000 per person. Therefore, it’s important to understand how you can reduce the cost of your travel insurance premium by adjusting a few variables.

Here are a few tips on how to save money on travel insurance for seniors:

Select secondary medical coverage

Medical coverage comes in two forms, primary coverage and secondary coverage. Primary coverage pays the medical bill directly for you whereas secondary coverage requires you to pay the bill and request a reimbursement from your insurance provider. Although primary coverage is more comfortable, you can save hundreds on a travel insurance policy by foregoing primary coverage and opting for secondary coverage instead.

Forego trip cancellation reimbursement coverage

When buying a travel insurance policy, you’ll also have the option to choose trip reimbursement coverage. This means if you cancel or cut your trip short, you may be eligible to receive a refund for the cost of your trip. While this coverage is extremely beneficial to have as a backup, it’s also expensive. Opting for trip cancellation coverage typically doubles the cost of your travel insurance policy, and in some cases, it can even triple the cost. Therefore, opting out of trip reimbursement presents a great opportunity to reduce your travel insurance premium by 50% or more.

Opt for lower medical / medevac limits

Medical insurance is arguably the most important type of coverage for senior travelers who are at higher risk for illness and injury. Therefore, it’s important to make sure you have high enough limits for potential medical emergencies and medical evacuations without going overboard. Opting for excessively high limits can make your policy prohibitively expensive. Therefore, we recommend opting for just enough coverage without exceeding your needs as a means to reduce the overall cost of your travel insurance policy. Keep in mind that $250,000 of medical coverage and $500,000 of medical evacuation coverage is likely enough for most travelers and destinations.

Here are some tips to help you choose the best protection for your trip:

Use a comparison tool to help you choose

Using a travel insurance comparison website is the best way to compare multiple travel insurance plans from different travel insurance companies side-by-side. You’ll want to compare at least three or four travel insurance plans before you make your decision. Not only can a comparison site let you see the kinds of coverage that may be available to you, but it can help you understand pricing so you can make your decision. Our comparison tool makes it especially easy to compare plans all in one place.

Look for age restrictions

Check the restrictions on the travel insurance plans you are considering. Age restrictions and pre-existing health conditions are two of the most important factors to check when buying seniors’ travel insurance. Although most companies will let you purchase any plan at any age, some may limit coverage to individuals who are under the age of 75. Travel insurance for seniors over 80 isn’t out of the question, yet there are limited polices for those of a certain age bracket.

Check your existing coverage and avoid overlaps

Before you invest in a travel insurance policy, you should look at the coverages you already have. For example, if you’re on Medicare and are traveling close to home, you should already have medical insurance coverage in all 50 states as well as in U.S. territories.  Credit card coverage can also be useful if you used the card to pay for major components of your trip. Credit card travel insurance coverages and limits vary, but you may find that your card has some coverage for trip cancellations and interruptions, travel delays, and lost or delayed baggage that is enough for some trips. If you don’t have any the above coverages already in place or if you are a senior traveling internationally, opting to purchase travel insurance is often worth it to give you peace of mind.

Read the fine print and check for any exclusions

Finally, read over your entire policy from front to back including all disclosures to see if there are any restrictions that the company doesn’t emphasize. Many travel insurance policies come with a 10-day money-back guarantee, so you may be able to cancel your policy and get a refund if you don’t like what you see.

With all the options on the market, it can be difficult to make a decision and know if you are making the right one.

We researched all the  best travel insurance providers  to narrow down our shortlist of the best plans for seniors. Below you can compare coverage for the plans we mentioned above. Select the plan from the drop-down menu to compare coverage side by side.

Do I need seniors' travel insurance if I have Medicare?

Even if you have Medicare, you should consider opting for a travel insurance plan because typical health plans like Medicare don’t cover you once you cross international borders. That’s where travel insurance comes in. For example, your travel insurance policy’s Emergency Medical coverage can handle unexpected medical costs that arise during your stay abroad. Additionally, Medical Evacuation and Repatriation coverage will ensure you receive proper care during medical emergencies and can arrange urgent hospital transfers or pay to bring you back home if necessary. Lastly, if an illness, injury, or an unforeseen circumstance forces you to cancel or cut your trip short, cancellation coverage can step in and reimburse even non-refundable trip expenses. Therefore, we highly recommend travel insurance to all seniors.

Can you get travel insurance if you are over 75?

Yes, people 75 and older can still get travel insurance from most providers. In fact, you can typically buy travel insurance at any age, but plan options may be a bit more restricted.

This question may stem from the fact that some insurance providers limit certain plans to people under the age of 75 as a way of limiting their financial risk. However, the majority of companies do not have any age requirements. With this in mind, it’s always best to double-check the fine print before you buy.

Using a comparison tool can help you filter out policies based on the age of the traveler to ensure you find a plan that is suited for your age.

Lastly, buying a dedicated seniors’ travel insurance plan may be better than buying a traditional plan if you are over the age of 80 as it can often include coverage for pre-existing conditions.

Can seniors get a discount on travel insurance?

While senior citizens often get discounts on other services, the insurance industry is highly-regulated. Therefore, it’s generally illegal for providers to offer discounts on travel insurance. That said, there are many budget-friendly insurance plans which are available to virtually anyone. Some providers also offer specific plans tailored for seniors which can help you save some money if you are looking for a cheap senior travel insurance policy. Shopping around or using a comparison tool are the best ways to ensure you get a good deal on travel insurance.

Does travel insurance cover the death of an elderly parent?

Yes, some travel insurance plans will cover death and dismemberment as well as the repatriation of remains. However, it’s important to check if there are age limitations for the plan you are choosing.

If you are worried one of your elderly parents will pass away during a trip, make sure their travel insurance plan includes coverage for the repatriation of remains. This type of insurance will pay for various expenses relating to their death charged by third parties. This can include a casket for transport, charges passed on by airports and air carriers, and transportation to your home country for proper burial.

What’s the most important travel insurance coverage for seniors?

Senior travelers should ensure they have a travel insurance policy that offers emergency medical coverage, at a minimum. They should also consider coverage for any pre-existing conditions. Secondly, medical evacuation coverage is important as this will ensure they can be transported to a hospital free of charge.

Plans that provide medical evacuation usually come with basic emergency medical coverage included. However, there are cases where emergency medical plans don’t include evacuation coverage. Therefore, it’s a good idea to confirm this before buying.

Which travel insurance is best for senior citizens?

We recommend getting a plan for seniors that includes travel health insurance, medical evacuation insurance that includes repatriation and Cancel for Any Reason insurance. This will ensure you are covered for health treatments, emergency transport to a hospital, repatriation in case of death, and canceling your trip for any reason whatsoever. Ultimately, the best travel insurance plan for seniors will depend on the types of coverage you need the most, where you are traveling to, and other specifics of your trip. Keep an eye out for any age-related exclusions when you buy, as well as pre-existing conditions.

What is the best travel insurance for seniors over 70?

Anyone over the age of 70 should look for health insurance that works in their country of destination, as well as medical evacuation coverage and insurance for repatriation of remains. These types of international travel insurance for seniors are suitable for people who may be prone to health emergencies. As an added benefit, Cancel for Any Reason insurance could be useful to add in case you need to cancel your trip for unexpected reasons.

Does AARP offer travel insurance?

Even if you’re a member, you cannot purchase AARP travel insurance. However, AARP offers normal health insurance plans through UnitedHealthcare that can help cover you for health-related claims if you are traveling within the US.

About the Author

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Cabinet nod for Rs 5 lakh Ayushman heath insurance cover to citizens above 70

New Delhi: The Union Cabinet on Wednesday approved health coverage to all persons aged 70 years and above under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana irrespective of their income, benefiting around six crore senior citizens, Union Minister Ashwini Vaishnaw said.

The Rs 5 lakh free health insurance cover would benefit senior citizens of around 4.5 crore families. Eligible beneficiaries would be issued a new distinct card under the scheme, the government said.

"Senior citizens of the age 70 years and above belonging to families already covered under AB PM-JAY will get an additional top-up cover up to Rs 5 lakh per year for themselves (which they do not have to share with the other members of the family who are below the age of 70 years).

"All other senior citizens of the age 70 years and above will get a cover up to Rs 5 lakh per year on a family basis," an official statement said.

It clarified that senior citizens of 70 years and above who are under private health insurance policies or Employees' State Insurance scheme will be eligible to avail benefits under the the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).

However, those already availing benefits of other public health insurance schemes such as the Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS) and Ayushman Central Armed Police Force (CAPF) may either choose their existing scheme or opt for AB PM-JAY, the statement said.

In a post on X, Prime Minister Narendra Modi said, "We are committed to ensuring accessible, affordable and top-quality healthcare for every Indian. In this context, the Cabinet today has decided to further expand the ambit of Ayushman Bharat PM-JAY to provide health coverage for all citizens above 70 years. This scheme will ensure dignity, care and security to six crore citizens!"

According to the government, AB PM-JAY is the world's largest publicly funded health assurance scheme which provides health cover of Rs 5 lakh per family annually for secondary and tertiary care hospitalization to 55 crore individuals corresponding to 12.34 crore families.

All members of the eligible families irrespective of age are covered under the scheme.

The scheme has covered 7.37 crore hospital admissions, including 49 per cent women beneficiaries. The public has benefited to the extent of over Rs 1 Lakh crore under the scheme, the statement said.

AB PM-JAY scheme has witnessed continuous expansion of the beneficiary base, it said, adding that initially, 10.74 crore poor and vulnerable families comprising the bottom 40 per cent of India's population were covered under the scheme.

In January 2022, the Union government revised the beneficiary base from 10.74 crore to 12 crore families considering India's decadal population growth of 11.7 per cent over the 2011 population.

The scheme was further expanded to cover 37 lakh ASHAs/AWWs/AWHs working across the country and their families for free healthcare benefits.

"Taking the mission ahead, AB PM-JAY would now provide free healthcare coverage of Rs 5 lakh to all citizens of the age group of 70 years and above across the country," the statement said.

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