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

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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, though 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 preexisting 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, with 100% trip cancellation coverage, up to 150% trip interruption, and up to $250,000 in medical expense coverage. All of John Hancock's three tiers of coverage offer preexisting condition waivers , as long as you purchase your policy within 14 days of your initial trip deposit.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) .

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 preexisting 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 preexisting conditions are available, it costs extra.

Read our GeoBlue travel insurance review .

Best Senior Travel Insurance for Annual Plans

Travel guard.

AIG Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan, which will cover an unlimited number of trips within a year as long as your trip is under 90 days long. Premiums for AIG Travel Guard are a flat $259, regardless of your age.

This annual travel insurance policy comes with a maximum of $2,500 for trip interruptions, $50,000 for travel medical expenses, and up to $500,000 for emergency evacuations and repatriation of remains. Notably, AIG Travel Guard's annual plan does not cover trip cancellations. Additionally, AIG does not offer preexisting medical condition waivers for annual plans.

Read our AIG Travel Guard travel 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.
• Preexisting condition coverage:  Can mean two different things: coverage for trip cancellations as a result of preexisting conditions or medical expenses as a result of preexisting 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 Senior Travel Insurance

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 preexisting condition is covered, as companies often have very specific language around what qualifies as a covered preexisting 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.
• Preexisting 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 preexisting 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 preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

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

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

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 preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates. 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

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.

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 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.

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.

Travel insurance can be worth the extra cost for older travelers, especially if they're traveling internationally or are taking a particularly expensive, nonrefundable vacation.

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A Guide to Travel Insurance for Seniors

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

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

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

The Need for Travel Insurance for Seniors 

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

1. Pre-existing Medical Conditions 

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

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

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

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

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

2. Increased Vulnerability to Injuries 

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

Let’s take, for instance, 

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

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

3. Your Medicare Coverage is Not Valid Abroad 

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

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

How AXA Travel Protection Plans Can Support Seniors 

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

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

Here are some key coverage options from AXA Travel Protection. 

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

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

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

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

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

Tips for Seniors When Buying Travel Insurance 

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

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

Common Misconceptions About Travel Insurance for Seniors 

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

FAQs About Travel Insurance for Seniors 

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

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

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

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

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

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

Q. How can I reduce my travel insurance premium? 

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

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

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

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

References: 

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

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

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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

[Limited Time] New Cardholders Can Get up to $1,050 in Chase Travel℠ Value

Chase Sapphire Preferred® Card

✈️ Our Nerds say it's "nearly a must-have for travelers " because of its big sign-up bonus, high-value points and money-saving perks like hotel credit and rental car insurance.

🤑 Better yet, it's offering one of the best bonuses ever right now, only for a limited time...

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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

• Valid for U.S. citizens/residents traveling within the U.S. and/or internationally
• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available

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.

Tips 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 .

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