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John hancock travel insurance now available through travelinsurance.com.

TSX/NYSE/PSE: MFC     SEHK: 945

BOSTON , Dec. 5, 2019 /CNW/ - John Hancock Insurance Agency, Inc. is now distributing travel insurance through TravelInsurance.com , a popular travel insurance comparison website. TravelInsurance.com helps simplify travel insurance by providing consumers with an easy way to compare and buy policies online from top-rated providers.

"At John Hancock , we're committed to help make our customers' decisions easier and their lives better; and when it comes to travel insurance, it's important to be prepared for the unexpected mishaps that can arise. That's why we're thrilled to offer our travel insurance products through TravelInsurance.com," said Rob Iafrate , AVP, Travel Insurance. "Reaching customers through new aggregator partnerships that simplify the purchase experience is one way we plan to achieve growth in our travel insurance business and offer top-tier trip protection products and services."

John Hancock's coverage will be available on TravelInsurance.com in three tiers: Bronze, Silver and Gold, to match customers' needs and budgets. The policies offer trip cancellation, trip interruption, medical, accident, and baggage protection with extensive, worldwide 24-hour multilingual emergency services. The policies also come with a 14-day free look period after purchase.

"Travel insurance has become a must-have for a wide range of travel plans, from family visits over the holidays to dream European vacations," said Stan Sandberg , co-founder of TravelInsurance.com. "We are excited to add John Hancock's products to TravelInsurance.com, giving our customers access to a leading brand with a set of products that can meet our customers' needs."

Plans and products distributed by John Hancock Insurance Agency, Inc. are underwritten by Starr Indemnity & Liability Company. Learn more about John Hancock Travel insurance at www.johnhancocktravel.com .

About John Hancock Insurance Agency John Hancock Insurance Agency is a distributor of travel insurance products underwritten by Starr Indemnity & Liability Company. John Hancock Insurance Agency is a subsidiary of Manulife.

About John Hancock and Manulife John Hancock is a unit of Manulife Financial Corporation, a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States , and Manulife globally, including Canada , Asia and Europe . We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. Assets under management and administration by Manulife and its subsidiaries were over CAD$1.2 trillion (US$$881 billion) as of September 30, 2019 . Manulife Financial Corporation trades as MFC on the TSX, NYSE, and PSE, and under 945 on the SEHK. Manulife can be found at manulife.com.

One of the largest life insurers in the United States , John Hancock supports approximately 10 million Americans with a broad range of financial products, including life insurance, annuities, investments, 401(k) plans and college savings plans. Additional information about John Hancock may be found at johnhancock.com.

About Starr Starr Insurance Companies (or Starr) is a marketing name for the operating insurance and travel assistance companies and subsidiaries of Starr International Company, Inc. and for the investment business of C.V. Starr & Co., Inc. and its subsidiaries. Starr is a leading insurance and investment organization with a presence on six continents; through its operating insurance companies, Starr provides property, casualty, and accident and health insurance products as well as a range of specialty coverages including aviation, marine, energy and excess casualty insurance. Starr's insurance company subsidiaries domiciled in the U.S., Bermuda , China , Hong Kong , Singapore and U.K. each have an A.M. Best rating of "A" (Excellent). Starr's Lloyd's syndicate has a Standard & Poor's rating of "A+" (Strong).

About TravelInsurance.com TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the website, with policies sent via email within minutes.

SOURCE John Hancock Insurance

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John Hancock Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What does John Hancock travel insurance cover?

John hancock travel insurance cost and inclusions, what isn’t covered by john hancock insurance, which john hancock plan is right for me, how to choose a john hancock plan online, who should get a john hancock travel insurance policy.

Travel insurance protects you when you’re away from home. Different types of travel insurance provide varying levels of coverage, but can often include emergency medical insurance, trip cancellation protection, rental car insurance and more. 

There are plenty of different companies willing to sell you policies, but which ones are good? Let’s take a look at John Hancock travel insurance, the types of plans it offers and how much it’ll cost you to purchase. 

John Hancock offers three different plans for travelers depending on their needs: Gold, Silver and Bronze. As you’d expect, the Gold level comes with the most coverage and the highest price, while the Bronze level costs the least. 

Each level offers coverage in the case of trip mishaps, such as cancellations or interruptions, as well as emergency medical card and evacuation. However, the value of these coverages varies from plan to plan.

» Learn more: The best travel insurance companies

To do a consistent John Hancock travel insurance review across the three plans, we input a search for a 37-year-old from Colorado traveling to Australia for two weeks on a $4,000 trip. 

The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in. 

The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation .

» Learn more: How much is travel insurance?

Additional options and add-ons

John Hancock travel insurance also allows you to add more coverage.

There are just three add-ons from which to choose if you’re looking to upgrade your plan. The first is Cancel For Any Reason insurance (CFAR) . As it sounds, CFAR allows you to cancel your trip without needing to have a covered reason. 

With John Hancock, you’ll need to pay an additional 50% of your plan cost to get this insurance. There are restrictions: You have to sign up for this within two weeks after buying insurance, and it’ll only cover 75% of your costs.

You can also choose to add accidental death and dismemberment coverage, which is only valid for air travel. Rental car insurance is your final option, but be aware that this policy is secondary, so it'll only pay out after other insurance coverage has been exhausted. 

Nerdy tip : Travel credit cards such as the Chase Sapphire Preferred® Card provide complimentary primary rental car insurance as long as you use the card to pay for your rental. 

» Learn more: The best travel credit cards right now

Finally, when it comes to John Hancock travel medical insurance reviews and John Hancock travel insurance customer reviews, there's good news: Insurance aggregator Squaremouth gives John Hancock a rating of 4.2 out of 5, with over 1,100 reviews since 2012.

Depending on the policy you purchase, certain exclusions may apply. This is true whether you use John Hancock or another travel insurance company. Generally speaking, you shouldn’t expect coverage for things such as intentional acts of harm, high-risk activities and other designated events. 

Note that while some policies will exclude acts of terrorism, John Hancock insurance specifically provides coverage for these. Regardless, check the fine print to ensure you’re getting the coverage you need. 

» Learn more: Is there travel insurance that covers COVID quarantine?

You'll want to consider several factors as you shop your John Hancock travel insurance options. However, here are some suggestions to point you in a particular direction:

If you’re going on a simple return trip: the Bronze plan might be enough.

If you’ll be going on multiple and longer trips: Consider the Silver or Gold plans, which offer significantly more health coverage.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage.

If John Hancock travel insurance seems up your alley, it’s pretty easy to purchase a policy online. First, you’ll need to navigate to the John Hancock Insurance Agency website .

From there, you’ll be able to fill out the personal details required to generate a quote.

» Learn more: Common myths about travel insurance and what it covers

Travel insurance can be a good option for those worried about incidents while they’re out of town. Purchasing a policy can provide peace of mind and coverage in the event that your travel plans go awry, whether you’ve simply been delayed or you’re suffering from a medical emergency.

John Hancock’s travel insurance policies are some of the better options out there, allowing you to choose from three different plans to suit your travel needs. 

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: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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John Hancock Travel Insurance Review

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How is John Hancock rated?

Overall rating: 3.6 / 5 (very good), john hancock plans & coverage, coverage - 3 / 5, emergency medical coverage details, baggage coverage details, john hancock financial strength, financial strength - 3.7 / 5, john hancock price & reputation, price & reputation - 3.9 / 5, john hancock customer assistance services, extra benefits - 4 / 5.

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John Hancock Travel Insurance Review

John Hancock

• All three plans offer recommend levels of emergency medical and evacuation coverage
• Helpful customer service reps
• Parents must purchase a separate policy for kids
• No coverage for extreme activities
• Allianz Global Assistance
• Travelex Insurance Services

How We Reviewed John Hancock Travel Insurance

8 hours of research

3 plans evaluated

2 competitors compared

Travel insurance provides peace of mind in case of illness, severe weather, trip cancellation, missed connections, lost luggage, and other unexpected events that may arise while traveling. 

John Hancock has provided insurance to millions of people since 1862 and offers three tiers of travel insurance –bronze, silver and gold, each loaded with great benefits and services. The company’s travel insurance has comprehensive coverage limits, versatile add-ons and few coverage exclusions. 

John Hancock representatives are available 24/7 to help with any emergency you may have while away from your home. In our John Hancock travel insurance review, we will go deeper into the company’s customer experience, its strong industry presence and the rock-solid financial history that backs its policies.

• In business since: 1862
• AM Best financial strength rating: A+
• Policy types: Bronze, Silver, Gold

Bronze Plan

• Rates starting from $24
• Trip cancellation: 100% of trip cost
• Trip interruption: 125% of trip cost
• Deductible: $0 or $750 Dental Expense Only
• Evacuation and repatriation: $250,000
• Baggage loss and theft: $750
• Number of activities covered: 11

Silver Plan

• Rates starting from $31
• Trip interruption: 150% of trip cost
• Evacuation and repatriation: $500,000
• Baggage loss and theft: $1,000
• Rates starting from $54
• Emergency Medical Insurance: $250,000
• Evacuation and repatriation: $1,000,000
• Baggage loss and theft: $2,500

The Bottom Line

Underwritten by Starr Indemnity & Liability Company, John Hancock travel insurance plans are some of the best in the industry. The three tiers of travel insurance provide emergency assistance services should you need help while traveling. 

John Hancock travel insurance plans cover most unexpected costs such as illness of you, a family member, or a travel companion, cancellation or interruption of your trip due to unexpected reasons, missed connections, severe weather, strikes, baggage coverage, accident and sickness with assistance services, medical repatriation, and many other benefits. 

Pricing is competitive and coverage is comprehensive. There are a few exclusions, but none that stand out as unreasonable, except that each child must also have separate coverage and extreme activities like scuba diving and hang gliding are not covered.

The Competition

John hancock vs. allianz.

Both John Hancock and Allianz offer excellent customer service and earn high marks for pricing and comprehensive plans. Allianz offers nine plans and coverage for long trips. And, unlike John Hancock, it has free coverage for kids on trips over six months. John Hancock only offers three plans, but its add-on coverages are a bit more flexible than Allianz. 

Allianz will insure a trip up to one year, which is great for students studying abroad or long vacation plans. John Hancock doesn’t offer that feature. But, John Hancock will allow trip-goers to cancel for any reason (for an extra charge), whereas Allianz doesn’t offer that key advantage.

John Hancock vs. Travelex Insurance Services

Both John Hancock and Travelex boast strong financial strength. John Hancock offers three plans and Travelex offers two. However, unlike John Hancock, Travelex covers children for free. Both have great customer service with comprehensive coverage and upgrade options. Travelex also offers coverage for extreme adventures, whereas John Hancock does not. And, where John Hancock is best for solo travelers, Travelex is best for families. 

John Hancock has a pretty straight-forward contract that’s easy to understand. Travelex’ contract seems a bit more complicated. And, while price with both insurance carriers depends on a number of variables, John Hancock typically wins for pricing when compared to Travelex.

John Hancock Travel Insurance FAQ

Does john hancock cover trip cancellation.

Yes. All three John Hancock plans–Bronze, Silver and Gold–will cover trip cancellation up to 100% of the cost of the trip. Also, John Hancock provides the option of Cancel For Any Reason (CFAR), although this add-on is not available to residents of New York. With this coverage, if you must cancel your trip for any reason, you can receive up to 75% of non-refundable trip cost. Cancellation must be purchased within 14 days of your trip deposit or payment .

How much is John Hancock’s travel insurance?

John Hancock offers three plans. The Bronze plan has rates starting from $24.00. The Silver plan has rates starting from $31.00, and the Gold plan has rates starting from $54.00. Each plan has the opportunity to add-on CFAR coverage, rental car collision coverage, and added coverage for accidental death and dismemberment (over and above plan limits).

About the Authors

Kathryn Pomroy Contributing Writer

Kathryn Pomroy is a writer for Reviews.com. Over the last 15 years, she has covered many topics for Reviews.com including home and auto insurance, insurance claims, among others. She has been featured on finder.com, Intuit, SimpleRate, Credible, and more. Kathryn holds a degree in Journalism. Her favorite review on the Reviews.com site is Does Homeowner’s Insurance Cover High-rise Condos?

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John Hancock Travel Insurance Review (2024)

John Hancock Travel Insurance has a variety of offerings to protect your travel plans.

from John Hancock via Squaremouth.com

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.

Travel insurance plans are designed to help you recoup financial losses because of trip cancellations and travel delays. When you buy travel insurance for medical coverage, you’ll know that you can get part or all of your money back if any unforeseen health issues or injuries cause you to cancel your plans.

We at the MarketWatch Guides Team have analyzed travel insurance products and companies to help you choose the best coverage for you. John Hancock Insurance Agency, Inc. is our pick for travel delay coverage. Find out why below.

• Average Cost: $217
• BBB Rating: A+
• AM Best Score: A+
• Medical Expense Max: $250,000
• Emergency Evacuation Max: $1,000,000

Our Take on John Hancock Travel Insurance

John Hancock is a well-established financial services company. It has more than 160 years of experience. It’s a subsidiary of Manulife, and its underwriter is Starr Indemnity & Liability. Three travel insurance plans — Gold, Silver and Bronze — offer various travel insurance coverages to suit personal circumstances and budgets.

In terms of traveler ages, older customers or those with pre-existing conditions appreciate the good emergency medical evacuation coverage. Travel delay and trip interruption coverage also rank as standouts compared with other insurance companies.

Overall, John Hancock travel insurance policies earned 4.5 out of 5 stars based on our review standards.

Pros and Cons of John Hancock Travel Policies

Compare john hancock to the competition.

Use the table below to compare John Hancock to other top-rated travel insurance companies

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

What Does John Hancock Travel Insurance Cover?

John Hancock has basic travel and international medical insurance through its Bronze Plan, which features benefits that compare favorably to other insurers. The Bronze Plan is marketed as a cost-effective option for international and domestic travelers, with coverage provided for trip costs before and during vacations.

The travel insurance coverage limits offered by the Bronze Plan are:

• 100% of trip cancellation costs
• 125% of trip interruption costs
• $500 (or $150 per day) for trip delay costs such as meals and accommodation
• $200 for missed flight connection costs, including nonrefundable trip payments
• $200 airline ticket change fee
• $750 baggage and personal effects reimbursement
• $250 baggage delay reimbursement for delays of more than 12 hours
• $50,000 emergency accident and sickness medical expenses with $0 deductible
• $250,000 emergency medical evacuation and medically necessary repatriation
• $250,000 repatriation of remains
• Pre-existing medical condition exclusions and waiver subject to conditions
• Terror attack coverage
• Single-occupancy supplement

John Hancock travel insurance offers better coverage with its Silver Plan and Gold Plan.

• Silver Plan : Trip interruption costs for covered reasons rise to 150% of prepaid costs under this plan. Other benefits include $100,000 for emergency medical expenses and $500 for baggage delays.
• Gold Plan: If you’re looking for a higher level of medical coverage, this premium plan provides $1,000,000 for medical evacuation and $250,000 for emergency medical expenses.

Optional Riders

Add-ons, known as riders, are extra insurance protection for your policy. John Hancock sells this optional trip insurance that’s available with all its plans. Among the added protections are:

• Trip cancellation for any reason: When a cancellation comes no less than two days prior to the departure date, CFAR reimburses up to 75% of nonrefundable trip costs. However, it’s not available to residents of New York state.
• Rental car collision : This reimburses policyholders for the cost of repairs caused by damage to a rental car within the limits of covered reasons. Excess/secondary benefits are $50,000.
• Accidental death and dismemberment (air only) : $300,000 or $500,000 coverage limits are available.

Policies Offered

To assist you in comparing travel insurance policies offered by John Hancock, the chart below displays the coverage limits and plan details.

How Much Does John Hancock Travel Insurance Cost?

The cost of travel insurance depends on a range of factors. These include the destination you’re traveling to, your age, the length of your trip and the insurer. John Hancock’s plans compare well against policies from other insurance providers. To help you determine the costs, we gathered sample prices from John Hancock’s website.

Use the chart below to compare John Hancock's average cost to competitors:

Read More: Travel Medical Insurance For Travelers Visiting The United States

Does John Hancock Offer 24/7 Travel Assistance?

John Hancock offers 24/7 emergency travel assistance with every plan, including coordinating medical evacuation services. Assistance services provide concierge benefits, such as restaurant recommendations and translation services.

John Hancock Customer Reviews

John Hancock travel insurance is rated 4.2 out of 5 stars from more than 1,200 reviews on Squaremouth , a travel insurance comparison provider. Satisfied customers report that the claims process is simple and issues are quickly resolved. Among negative reviews, customers mention some difficulty using the website to file claims.

Below are some examples of positive and negative company reviews on Squaremouth.

“ We had to cancel our trip because of an injury that required surgery and rehab. We were able to take care of our refund request all online… We submitted it on Saturday, [and it] was approved after a few days. Received a check a week after that. It was a surprisingly easy process. We will use John Hancock as a travel insurance provider in the future.” — Arthur via Squaremouth “I filed a claim for a trip delay and received full reimbursement for my claim. The process was completed within two weeks. I give it 4 stars because I found the website to be clumsy and difficult to navigate. I ended up calling in my claim and mailing in my documentation. Otherwise, I was pleasantly surprised after reading reviews about various insurance companies… The people I spoke to on the phone at John Hancock were very professional, sympathetic and polite. Actually bought another policy from them for an upcoming trip.” — Marilyn via Squaremouth “My claim was finalized to my satisfaction, but there are opportunities for process improvements. The portal does not always work, and it does not accurately reflect what is in the works, and there was no communication that my claim was finalized-I just got my check. I had a great claims specialist who was good with return calls/emails, but once my claim was escalated there was no communication.” — DP via Squaremouth

How to File a Claim with John Hancock

Travelers can file a claim with John Hancock through the company’s website or through its customer service department , depending on your policy. Have supporting documentation for your claim. For example, if you need to cancel your trip because of an illness or injury, you’ll need a statement from a physician and proof of payment for the claimed expenses. Contact the Claims Customer Service Department at 866-888-7803.

Is John Hancock A Good Choice For Travel Insurance?

John Hancock sells three travel insurance policies to appeal to a variety of travelers. The basic Bronze Plan is cost-effective, the Silver Plan is more comprehensive for a small increase in cost, and the Gold Plan is a good choice if you require excellent medical coverage. Each policy provides good coverage amounts, however, the trip delay coverage is especially competitive when compared with policies from other travel insurance providers.

All three plans feature a high level of emergency assistance, with 24/7 access to travel support teams. A choice of optional upgrades offers expanded coverage depending on your requirements, including coverage for any reason (CFAR) and reimbursements for repairs because of a rental car collision. No matter which policy you choose, John Hancock travel insurance is good for travelers looking for peace of mind, especially regarding coverage for trip delays and medical expenses.

Frequently Asked Questions About John Hancock Travel Insurance

How does john hancock travel insurance work.

John Hancock travel insurance reimburses you for prepaid or nonrefundable trip costs in the event of cancellations or travel delays covered by your policy. Medical insurance is a safeguard for unforeseen medical emergencies that may result in significant costs.

Choose one of three plans (Bronze, Silver or Gold) to fit your budget and coverage needs. Policy upgrades are available and 24/7 support team assistance is offered with all plans.

How do I file a claim with John Hancock travel insurance?

File a claim with John Hancock travel insurance via the website or call the Claims Customer Service Department at 866-888-7803. A support team can help with questions about submitting claim forms.

You’ll need reports, receipts or other documents to support your claim. Reference guides are provided to help you gather the correct information. Choose from a variety of forms to suit different claims, including trip cancellation, baggage claims, medical expenses and rental car claims.

How much does John Hancock travel insurance cost?

The cost of John Hancock travel insurance depends primarily on your age, the trip cost, destination and duration, and policy upgrades you might require. Based on sample quotes we obtained for a $1,500 trip to Mexico for eight days, it would cost $63 to insure a  40-year-old person under the basic Bronze plan.

Request a free quote from the John Hancock website to check rates and compare policies to find the right one for you. You’ll be required to provide your age, state of residence, destination, trip cost and travel dates.

What is the best plan for international travel insurance?

The best insurance plan for international travel is one that offers you suitable reimbursement for prepaid costs if you need to cancel due to emergencies. Emergency medical coverage provides peace of mind in the event of illness or injury overseas, to avoid potentially expensive upfront medical costs.

All three plans from John Hancock offer competitive coverage for trip cancellation , travel delays and medical expenses. A 24/7 emergency customer support service is available to help with arrangements while you’re overseas.

Methodology: Our System for Rating Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

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

• John Hancock Insurance Agency, Inc.

John Hancock Insurance Agency, Inc. Plans and Reviews

Quote and compare policies.

• Customer Reviews
• Contact Information

Why Choose John Hancock Insurance Agency, Inc. for Travel Insurance

Notable Features

• All policies hold an AM Best’s Rating of A (Excellent)
• Up to $1,000,000 in Medical Evacuation coverage
• 14-day Money Back Guarantee period across all plans

John Hancock Insurance Agency, Inc is one of the most reputable and experienced insurance providers in the nation. They currently offer travelers three plans, named Bronze, Silver and Gold, that provide ranging levels of protection against cancellations, delays, medical emergencies, and other common travel disruptions.

All of John Hancock Insurance Agency’s plans offer at least $50,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. These limits meet Squaremouth’s recommendations for international trips. Their coverage limits for other benefits are competitive within the industry, and they’re among the most popular providers for Cancel For Any Reason plans.

John Hancock Insurance Agency is rated well among its customers on Squaremouth, with only 0.2% of verified customers leaving a negative review. Customers specifically rate the providers pre-trip customer service highly, giving John Hancock Insurance Agency 4.5 stars out of 5.

This provider summary was written internally by a Squaremouth policy expert.

About John Hancock Insurance Agency, Inc.

John Hancock Insurance Agency, Inc. is a subsidiary of Manulife Financial Corporation, a leading North American-based financial services group serving millions of customers in 22 countries and territories worldwide. All travel insurance plans distributed by John Hancock Insurance Agency are underwritten by Starr Indemnity & Liability Company. John Hancock Insurance Agency, Inc. acts only as an agency/distributor and is not the underwriter/insurer obligated to the policyholder for the benefits provided by this product.

Our wide-ranging trip protection plans cover you and your family for domestic and international destinations and cruise trips. These Plans provide 24/7 multilingual assistance and insurance benefits to protect your financial investment and reimburse unforeseen covered expenses while you travel. We offer three plans to suit your insurance needs and our emergency medical plans are primary coverage. You may purchase an optional Cancel for any Reason Coverage, if eligible, for extra cancellation coverage for any reason up to 48 hours prior to departure. Please see the policy for full coverage details. Customer service and claims support is available 24/7.

Bronze – a basic plan with comprehensive coverage. Lower coverage limits than our other two plans with our lowest premiums.

Silver – a competitive plan that offers increased benefits over the Bronze Plan for items such as missed connection, baggage and emergency medical expenses and emergency medical evacuation.

Gold – our deluxe plan with the highest coverage limits of the three plans we offer. This plan includes Emergency Medical Evacuation up to $1,000,000 and includes trip cancellation and interruption, baggage loss and delay benefits, accidental death and dismemberment and missed connection coverage. Please see the policy for coverage details.

Trust John Hancock Insurance Agency for your travel insurance needs. You may be glad you did.

• 5 stars 782
• 4 stars 259
• 3 stars 130
• 1 star   83

64,326 policies sold

0.2% negative reviews

0.2% (138) negative reviews to sales Average on Squaremouth is 0.2%

John Hancock Ins. Agency has been featured by NerdWallet as a solid choice for travel insurance in 2023.

NerdWallet recognized John Hancock for its three tiers of coverage, with Bronze, Silver, and Gold plans to choose from, and its simple add-on options, including Cancel For Any Reason, Accidental Death & Dismemberment coverage, and rental car insurance.

“John Hancock’s travel insurance policies are some of the better options out there, allowing you to choose from three different plans to suit your travel needs.”

Policies Offered by John Hancock Insurance Agency, Inc.

Policy Description:

A basic plan with comprehensive coverage. Lower coverage limits than our other two plans with our lowest premiums.

Underwritten By: Starr Indemnity & Liability Company

Underwritten Location: 399 Park Avenue, New York, NY 10022

AM Best #: 013853

AM Best Rating: A (Excellent)

Policy Detail

A competitive plan that offers increased benefits over the Bronze Plan.

Our deluxe plan with the highest coverage limits of the three plans we offer.

Verified Customer Reviews

• 1,341 Reviews Since 2012

Let's see how the claim goes through the process. I've provided as much information as I can.

The purchasing part was very easy. We have communicated with your customer service reps regarding a claim that we are filing. They have been stellar in their professional and courteous manners. We are a bit confused by a recent email we received asking for documentation for our claim. Some of what they asked for was not pertinent and some of it had already been submitted via upload on your website.

I filed a claim for a shore excursion that was cancelled and not reimbursed. I provided all the documentation that was provided by the travel agent showing that the excursion was cancelled because of the conflict in Israel but we still have not been reimbursed for those expenses.

Linda & Steven Smith 6782965670

All reviews are from John Hancock Ins Agency customers

Contact Information for John Hancock Insurance Agency, Inc.

Monday - Friday, 7:00am to 10:00pm ET

Monday – Friday, 8am – 5pm ET

File a claim

Please note: We are changing our administration partner: As of February 1, 2022, new policies sold through this website will be managed by a different administration and claims company than you may have seen in the past. The contact information will be determined by the first two digits of your travel insurance policy. Please be sure to check your policy carefully to see if it starts with "50" or "54" so we can point you to the right contact information for services and claims.

If your policy starts with 50:

Need help while on your trip? Contact our Emergency Assistance lines: 1-866-888-7150 or (317) 582-2690

Customer Service:

If you have any questions concerning your coverage, to increase or extend your coverage, or to correct any errors:

• Phone: 1-866-888-7803 (317) 582-2660
• Email: [email protected]
• Postal Mail: John Hancock Insurance Agency C/O Seven Corners 303 Congressional Blvd. Carmel, IN 46032

For questions on how to submit a claim, obtain Claim Forms, or inquire about an existing claim, please contact our Claims Customer Service Department:

• Fax: (317) 575-2256
• Email: [email protected]
• Postal Mail: Starr Travel Claims C/O Seven Corners 303 Congressional Blvd. Carmel, IN 46032

To start a claim quickly, please fill out a PDF or print the Claim Form and follow these instructions:

• Gather your receipts, reports, and any other paperwork related to your claim. Use this document reference guide open in a new tab to help figure out what documents you need to gather.
• Trip Cancellation, Interruption, Delay, or Missed Connection Claim open in a new tab
• Baggage Claim open in a new tab
• Medical open in a new tab
• Rental car open in a new tab
• Submit your fully completed proof of loss (Claim Form) and supporting documents to [email protected] .

Underwritten by:

Starr Indemnity & Liability Company a division of Starr Companies 399 Park Avenue, New York, NY 10022

These plans are underwritten by Starr Indemnity & Liability Company, a Texas-domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022. Starr Indemnity & Liability Company is currently authorized to do business in all states, the District of Columbia and Puerto Rico.

Distributed by:

John Hancock Insurance Agency, Inc. 197 Clarendon St. Boston, MA 02116

John Hancock Insurance Agency, Inc., is a Delaware domiciled corporation with its principal place of business at 197 Clarendon St. Boston, MA. (California license number OH37453). The policies described herein are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318; TX license number 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022

Travel insurance provides emergency assistance services should you need help while you travel. Travel insurance covers: unexpected costs such as having to cancel or interrupt your trip due to unexpected reasons, such as illness of you, a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip. Plans include trip cancellation and interruption, accident and sickness with assistance services, medical repatriation, baggage coverage, accident insurance, travel accident insurance and many other benefits.

This is only a brief description of the coverage(s) available under policy LT007. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there are any conflicts or discrepancies between this document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Not all plans or coverages are available in every state. Please contact 1-866-888-7803 if you have any questions.

John Hancock Insurance Agency Contact Information for Policies that start with 54:

Travel assistance.

If you need assistance and you are currently on your trip, please contact the assistance centre:

• In the U.S.: 1-833-322-1237
• International: 1-819-566-0612

Customer Service

If you'd like to purchase a policy, need to make any changes, or have inquiries with your current John Hancock Ins. Agency travel insurance policy, please contact us. Be sure to have your policy number with you so we can quickly help you.

• Toll-Free: 1-866-511-9104
• Hours: Monday to Friday 7am to 10pm ET
• Email: [email protected]

Submitting a claim is simple. Claims are administered by Sedgwick Claims Management Services on behalf of the underwriter, Starr Insurance Companies.

You can also give us a call for new or existing claims as follows

If you prefer to submit your claim by mail, please send all applicable forms to:

Starr Travel Claims c/o Sedgwick Claims Management Services, Inc. PO Box 94645 Cleveland, OH, 44101-4729

• Starr Claim for Medical Expenses opens a pdf file
• Starr Claim Trip Can Interruption Delay caused by Medical Event opens a pdf file
• Starr Claim Trip Can Interruption or Delay NOT caused by Medical Event opens a pdf file

MLI012422169-1

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

Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

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

Updated 2:16 p.m. UTC June 7, 2024

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

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance 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.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

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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• 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 June 2024

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

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

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

Compare the Best Travel Insurance for Seniors

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

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

Read our Allianz Travel Insurance review .

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

Best Senior Travel Insurance for Expensive Trips

John hancock.

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

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

Read our John Hancock Travel Insurance review .

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

Best Senior Travel Insurance for Older Travelers

Travelsafe travel insurance.

TravelSafe Insurance 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 .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Best Senior Travel Insurance for Affordability

Geoblue travel insurance.

GeoBlue Travel Insurance 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. 

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 .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

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 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 .

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

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

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

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

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.

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 US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• 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 .
• 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.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Best Senior Travel Insurance FAQs

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

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. While the average travel insurance policy costs 4% to 8% of your trip's nonrefundable cost, a 65-year-old's policy may cost 15% of their trip's cost.

All travel insurance companies, except World Nomads, 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.

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

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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

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

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