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Best Senior Travel Insurance Of June 2024

Expert Reviewed

Updated: Jun 1, 2024, 10:39am

We analyzed 26 policies and found that PrimeCover and Seven Corners offer the best senior travel insurance, earning five out of five stars in our analysis.

Not all travel insurance policies provide top-rated coverage for senior travelers. When shopping for travel insurance, you’ll want to look for a policy that provides robust travel medical expenses and coverage for pre-existing conditions. You can also use travel insurance to protect your trip investment if delays and emergencies derail your trip.

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Summary: Best Senior Travel Insurance Companies

How much does senior travel insurance cost, methodology, other senior travel insurance companies we rated, best senior travel insurance frequently asked questions (faqs).

How We Chose the Best Senior Travel Insurance

We analyzed senior travel insurance costs, emergency medical expenses, travel delay benefits and coverage for pre-existing medical conditions to find the best senior travel insurance. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 26 travel insurance policies evaluated
• 1,006 coverage details analyzed
• 228 rates scored
• 102 years insurance experience on the editorial team

Best Senior Travel Insurance Companies

Best plan for seniors

Average price for seniors per trip

Medical & evacuation limits per person

$250,000/$1 million

We like the Luxe policy because it has superior benefit limits for most core coverage types. We recommend it because of its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

• Travel medical coverage provides “hospital of choice,” so you can choose the medical facility to be transported to rather than going to the nearest adequate treatment center.
• Includes search and rescue benefits of $5,000 and non-medical evacuation benefits of $100,000.
• Superior trip interruption reimbursement of 200%, twice that of many competitors.
• “Interruption for any reason” upgrade available.

More:   PrimeCover Travel Insurance Review

• Medical expense travel insurance limits of $250,000 per person are excellent, but some competitors provide $500,000.

Here’s a look at the top coverage types in the Luxe policy.

Seven Corners

Trip Protection Choice

Medical expenses/medical evacuation limits per person

$500,000/$1 million

We picked Seven Corners’ Trip Protection Choice as the top scoring plan for seniors because it has the lowest average price among top-rated policies and has an all-around exceptional package of benefits. We also like its optional add-on coverage choices, which include sports equipment rental coverage, event ticket coverage and rental car coverage.

• “Interruption for any reason” and “cancel for any reason” upgrades available.
• Pet kennel benefit of $500 if your return home is delayed by six hours or more due to qualifying interruption, missed connection or delay problems.
• Change fee compensation of $300 per person if you have to change your flight or travel arrangements because of a qualifying event.

More: Seven Corners Travel Insurance Review

Seven Corners stands out for its variety of plan options, which can be tailored to suit the needs of a wide range of travelers, from students to seniors. Their specialty plans—like those catering to frequent travelers—offer great value, although navigating the options can sometimes be complex for new users. – Jim Campbell, independent travel agent and founder of Honeymoons.com

• The average cost for seniors for the Trip Protection Choice plan was about average among the top plans we evaluated, but it provides superior levels of coverage.

Here’s a look at the top coverage types in the Trip Protection Choice policy.

$500,000/$500,000

We like Tin Leg’s Gold plan for its good medical benefits and competitive price—its average cost for seniors is the fourth-cheapest policy among the top-scoring policies.

• Excellent medical evacuation coverage limits.
• Great travel medical expense coverage limits.
• Airline ticket change fee benefits of $200 with a minimum delay of one hour.

More: Tin Leg Travel Insurance Review

This plan is competitively priced for all-around coverage. – Timon van Basten, tour guide and founder of Travel Spain 24.

• Baggage delay coverage doesn’t kick in until 24 hours of delay.
• Baggage loss reimbursement is on the low end at $500 per person.

Here’s a look at the top coverage types in the Gold policy.

Travel Insured International

Worldwide Trip Protector

$100,000/$1 million

We picked the Worldwide Trip Protector plan because of its robust evacuation benefits: $1 million for medical and $150,000 for non-medical. We also like that it’s the third cheapest plan, on average, among those we evaluated. If you have pets, we recommend this policy because pet kennel benefits of up to $500 are included if you return three hours or more later than your planned return date.

• Offers travel inconvenience benefits that reimburse you for closed attractions and beaches, rainy weather, tarmac delays and more.
• Offers ticket protection that pays up to $1,000 if you can’t attend due to a problem covered by your policy.
• Offers bed rest benefits that pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

More: Travel Insured Travel Insurance Review

As a veteran travel insurance company of over 25 years, I think Travel Insured offers a wide range of customizable plans to meet diverse traveler needs. Their quality coverage and excellent customer service ensure policyholders feel secure while exploring internationally. – Timon van Basten, tour guide and founder of Travel Spain 24

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.

Here’s a look at the top coverage types in the Worldwide Trip Protector policy.

USI Affinity

$250,000/$500,000

We’re impressed with USI’s Ruby plan for its variety of top-level benefits, including excellent coverage for medical and evacuation expenses. We also like its competitive average cost. The Ruby plan is the fifth-cheapest among 12 top-scoring policies we assessed.

• Excellent coverage limit of $250,000 for medical expenses.
• Excellent coverage limit of $500,000 for medical  evacuation.
• Good travel delay coverage of $1,000 per person.
• Decent missed connection coverage for cruise and tours of $750 per person after 3-hour delay.

More: USI Affinity Travel Insurance Review

Personalized attention and modifiable coverage make USI Affinity a top resource. – Timon van Basten, tour guide and founder of Travel Spain 24

• Baggage delay coverage is on the low side at $300 per person and requires a 12-hour delay for benefits to start.

Here’s a look at the top coverage types in the Ruby policy.

Generali Global Assistance

We recommend seniors take a look at Generali’s Premium plan for its good prices, excellent trip interruption insurance and superior medical evacuation benefits. Those with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit.

• You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit, which is typical from top competitors.
• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

Generali has a very good reputation. Their policies usually have generous medical benefits and provide rescue flights. But some plans cost too much without adding value. I heard it’s not always easy to get money back for claims, too, so do your homework. – Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk

• You must buy “cancel for any reason” coverage within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at the top coverage types in the Premium policy.

Cruise Luxury

$150,000/$1 million

We like Nationwide’s Cruise Luxury plan for its array of generous evacuation benefits at a decent price. It has great baggage delay benefits of $1,000 per person, and good travel delay benefits of $1,000 per person covered after only a 6-hour delay.

• Excellent medical evacuation coverage, and includes $25,000 in non-medical evacuation benefits.
• Excellent missed connection coverage of $2,500 per person after only a 3-hour delay.

More: Nationwide Travel Insurance Review

Nationwide’s variety of plans allows tailoring coverage to different budgets. As someone who’s traveled on a tight budget before, Nationwide’s competitive rates were very appealing. – Kelly Duhigg, travel expert and founder of Girl with the Passport

• Medical coverage of $150,000 is lower than most other top-rated plans but might be sufficient for your needs.
• A 24-hour delay is required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at the top coverage types in the Cruise Luxury policy.

Aegis (formerly GoReady)

GoReady Pandemic Plus

$50,000/$500,000

We choose GoReady Pandemic Plus because of its competitive cost. It has the second lowest average cost for seniors among the policies we looked at. If you want a bargain and aren’t concerned about very low coverage amounts for some core benefits, the GoReady Pandemic Plus plan is worth checking out.

• Decent medical evacuation benefits of $500,000.
• Very good trip interruption benefits of 150% of insured trip cost.
• Decent baggage insurance of $2,500.

More: Aegis Insurance Agency Travel Insurance Review

Aegis is affordable for basic protection. They explain clearly what’s covered and what isn’t. People say claims go smoothly, too. Just know deductibles may be higher or payout limits lower than other insurers charging more. – Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk

• Travel medical insurance coverage of just $50,000 per person is low compared to many competitors.
• Missed connection benefits of $250 is pretty skimpy compared to many other top-rated policies evaluated.

Here’s a look at the top coverage types in the GoReady Pandemic Plus policy.

HTH Worldwide

TripProtector Preferred

We recommend seniors take a look at the TripProtector Preferred plan for its high level of medical coverage and a superior compensation level if your trip is interrupted. If you travel with your pet, we suggest you consider this policy because it includes pet medical expense coverage of $250 if your cat or dog traveling with you gets sick or injured during your trip.

• Includes rental car theft and damage coverage of $35,000.
• Excellent trip interruption coverage of 200% of the trip cost.
• Great hurricane and weather benefits apply after only a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

HTH Worldwide includes a direct pay option to avoid upfront payments for services. But there are no waivers for pre-existing conditions on the lower-level plans. – Arsen Misakyan, co-founder of LAXcar

• Baggage delay coverage requires a 12-hour delay

Here’s a look at the top coverage types in the TripProtector Preferred policy.

Atlas Journey Preferred

We like the Atlas Journey Preferred plan for its solid coverage across the board. This policy is especially worth considering if you’re interested in upgrades or are a pet owner. Available upgrades include extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more.

The Atlas Journey Premier plan earned 4 stars in our analysis—it costs about $110 more than the Preferred plan but provides higher limits for medical expenses ($150,000) and missed connection coverage ($2,000). Premier also offers an “interruption for any reason” upgrade.

• Includes travel inconvenience benefits of $750 per person.
• Superior medical evacuation benefits of $1 million per person.
• Very good missed connection coverage of $1,500 per person after 3 hours.

More: WorldTrips Travel Insurance Review

WorldTrips has established a strong reputation for thoroughly personalized plans paired with reliable 24/7 support for any emergency abroad. Customization allows you to tailor protection perfectly for each explorer’s unique adventures. – Timon van Basten, tour guide and founder of Travel Spain 24

• Medical expense coverage limits of $100,000 aren’t as high as some other policies but might be enough for you.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at the top coverage types in the Atlas Journey Preferred policy.

John Hancock Insurance Agency

$100,000/$500,000

We recommend seniors take a look at John Hancock’s Silver plan for decent coverage at a low average price. It has the fourth-lowest average cost for seniors of the 12 top-scoring policies we evaluated.

The John Hancock Gold plan costs $100 more than the Silver plan but is also worth checking out if you want higher limits for travel medical expenses ($250,000) and medical evacuation ($1 million).

• Excellent evacuation coverage limits.
• Decent missed connection benefits of $750 per person after a 3-hour waiting delay.
• Very good trip interruption reimbursement of 150% of insured trip cost.

More: John Hancock Insurance Agency Travel Insurance Review

John Hancock is highly regarded for its customer service and comprehensive coverage options. Their policies are particularly strong in medical and emergency services, which adds an extra layer of security for travelers. – Jim Campbell, independent travel agent and founder of Honeymoons.com

• Medical expense limits of $100,000 are lower than many other travel insurance plans.
• “Interruption for any reason” upgrade not available.

Here’s a look at the top coverage types in the Silver policy.

USI Affinity Travel Insurance Services

We like USI’s Diamond plan for its variety of top-level benefits, although its pricing is higher than the other top travel insurance policies for seniors.

• Superior coverage levels for medical expenses and evacuation.
• Very good travel delay coverage of $1,500 per person.
• Superior baggage loss coverage of $2,500 per person.

USI Affinity’s attentive customer service provides a more tailored solution aligned with my needs and goals for each journey.  – Stephanie Rytting, travel expert, travel author and the founder of France Adventurer

• Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
• Pricing is on the high side compared to some other top plans.

Here’s a look at the top coverage types in the Diamond policy.

We recommend senior travelers take a look at Nationwide’s Prime plan for its solid core benefits at a decent price.

• Top-notch medical evacuation coverage.
• Great travel delay coverage of $2,000 after a 6-hour wait period.
• Excellent trip interruption benefits of 200% of insured trip cost.

Nationwide could include clearer upfront information about policy limitations and more accessible direct contacts for immediate support. These changes could significantly bolster its already commendable service offerings. – John Crist, founder of Prestizia Insurance

• Missed connection coverage is only OK at $500.

Here’s a look at the top coverage types in the Prime policy.

EXPERT TIPS

What to Look for in the Best Senior Travel Insurance

Forbes Advisor insurance advisory board member

Michelle Megna

Insurance Lead Editor

Penny Gusner

Insurance Senior Writer

Les Masterson

Insurance Editor

Ashlee Valentine

Repatriation Coverage

Repatriation coverage is particularly important for seniors. It provides assistance and financial support for returning home in case of death while traveling abroad. Ensure that the policy you choose includes adequate repatriation coverage. Verify the coverage limits and any exclusions related to repatriation to ensure you’re adequately protected.

Superior Medical Insurance

Senior travelers may have more medical issues than younger travelers, so superior medical coverage is a must. I recommend at least $150,000 in travel medical insurance per person.

Evacuation Coverage

A medevac ride won’t be on your original travel itinerary, but I wouldn’t skimp on emergency medical evacuation coverage . This coverage pays the cost of getting to an adequate medical facility if you’re in a remote area or somewhere with poor medical care.

Coverage for Pre-Existing Conditions

I would make sure your policy offers a pre-existing medical condition exclusion waiver , which removes coverage exclusions for conditions you already have. You typically need to buy travel insurance soon after your first deposit to get the waiver, such as two to three weeks.

“Cancel for Any Reason” Upgrade

When life throws you a curveball, you’ll appreciate flexibility, which is why I recommend buying a policy that offers a “ cancel for any reason ” upgrade. This upgrade reimburses you a portion of your trip costs (often 75%) if you cancel for any reason not listed in the base policy.

Annual Plan for Frequent Travelers

I recommend an annual travel insurance plan to senior travelers who are planning multiple trips in a year. All your trips will be covered under one policy and it’s more affordable than buying multiple policies during one year.

The average cost of senior travel insurance is $420 per trip , based on our analysis of rates for the best travel insurance policies for seniors. Your exact cost for travel insurance will generally depend on the travelers’ ages, length of trip and trip cost.

In our analysis, travel insurance for seniors often costs around 7% to 9% of the trip cost being insured. Remember that you’re insuring only the portions of the trip that are prepaid and non-refundable. You can’t make a claim on expenses that you can get refunded, like refundable airline tickets.

Average Cost of Senior Travel Insurance

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ASK THE EXPERT

We Answer Your Questions

How are “pre-existing conditions” defined for travel insurance.

Charles K., Columbus, Ohio

Generally, a pre-existing condition is an illness, injury or medical condition that caused you to seek treatment, experience symptoms or take medication before buying a travel insurance policy within a specified amount of time, such as 90 days.

How does buying a multi-trip plan save me money?

Diana N., Metairie, LA

If you plan on taking more than one trip, buying a multi-trip plan—also called an annual plan—can be cheaper than buying individual single-trip plans for multiple trips. Also, age doesn’t affect the price of annual travel insurance, so you may pay less than if you buy individual plans.

Are there age limits on travel insurance?

James B., San Diego

There can be age limits and they can vary by the type of policy you buy and by the travel insurance company. Many standard travel insurance plans don’t have a maximum age, but others may not cover people over certain ages, such as 75 or 80. Travel medical plans usually cover senior travelers, but at lower limits than younger travelers. I recommend that you work with a travel insurance agent to find the best options for your age.

Using travel insurance sales data for policies offering CFAR, we scored the best travel insurance policies for seniors based on:

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

What’s the most important insurance coverage for senior travelers?

Seniors should put priority on the medical coverage within a travel insurance policy—specifically travel medical insurance and emergency medical evacuation coverage. This is especially important if you’re traveling outside the U.S., where Medicare will work only in very limited situations.

Look for high maximum limits for these two coverage types. For example, you can find plans that offer $500,000 for medical expenses and $1 million for emergency medical evacuation.

Repatriation can be expensive, so seniors should also consider the repatriation benefits included in any policy they purchase. These benefits provide financial assistance for bringing the insured individual back to their home country if they pass away while traveling.

How can seniors save money on travel insurance?

Comparison shopping to find cheap travel insurance can save you money without sacrificing coverage. If you want to lower costs even more, though, focus on getting trip cancellation and good medical coverage, and de-prioritize coverage for baggage, missed connections and other non-medical coverage.

Remember to insure only the prepaid and non-refundable parts of your trip. For example, if your plane tickets are fully refundable, don’t pay to insure those. Travel insurance won’t reimburse you for deposits that were refundable.

Does Medicare cover me when I’m traveling outside of the U.S.?

Medicare generally does not cover your health care when you’re traveling outside of the U.S. That means if you get sick or injured while vacationing in another country, you usually won’t be covered.

Medicare Advantage (Part C) plans may offer some coverage for emergency care received outside the U.S., but this can vary by plan and is often limited. You should check your specific Medicare Advantage plan for details on international coverage while traveling abroad.

We recommend seniors buy travel insurance with generous amounts of travel medical insurance and emergency medical evacuation coverage . For example, look for plans that offer $500,000 for medical expenses and $1 million in emergency medical evacuation coverage.

Does travel insurance for seniors cover pre-existing conditions?

Travel insurance for seniors typically excludes coverage for pre-existing conditions, but you can get pre-existing conditions covered with a pre-existing medical condition exclusion waiver. You can generally only get this waiver within 14 to 21 days of making your initial trip deposit and only if you insure the full nonrefundable costs for your trip.

Some problems are not covered by travel insurance for pre-existing conditions , such as Alzheimer’s disease, anxiety, dementia, depression, or any illness or injury related to alcohol or drug abuse.

Does senior travel insurance cover my grandchildren?

A standard travel insurance policy covers up to 10 travelers and typically any traveling companion can be included on a travel insurance policy, including your grandchildren. But some travel insurance may require everyone on the policy to live in the same household.

Some policies cover children for free as long as they’re under a certain age and accompanied by an adult. For example, the Allianz One Trip Premier plans cover children age 17 and under if they’re traveling with a parent or grandparent.

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Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Joe Cronin is the president of International Citizens Insurance, a subsidiary of International Citizens Group Inc. He is responsible for all aspects of International Citizens Insurance operations, including strategy, marketing and sales. An expert in international health, life and travel insurance plans, Cronin is focused on providing international citizens, expatriates and global nomads with the best advice on ensuring they are covered for medical emergencies worldwide. International Citizens Insurance is that resource. Having lived and traveled throughout the world, his vast experience is now available to visitors researching global insurance plans for all situations.   With his expertise in international financial services, travel and new media, he founded and grew Edvisors, Envisage International and the International Education Finance Corporation into multimillion dollar businesses.   Cronin has lived in or traveled to every corner of the globe, including Moscow, Tokyo, Mexico City, Sydney, London, Argentina and Athens. He believes that an essential benefit of international travel is how it brings different cultures together. Cronin is passionate about helping expatriates with their international relocation and helping travelers of all types secure safe, affordable and effective global insurance for their international adventures.

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

Christine Krzyszton

Senior Finance Contributor

314 Published Articles

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Keri Stooksbury

Editor-in-Chief

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Table of Contents

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

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

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

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

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

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

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

Travel insurance can cover the following situations:

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

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

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

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

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

The Cost of Travel Insurance

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

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

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

Preexisting Conditions

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

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

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

Travel Insurance and Medicare

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

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

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

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

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

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

COVID-19 and Travel Insurance

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

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

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

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

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

World Nomads — Best For Active Seniors

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

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

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

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

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

Secure your own quote from World Nomads .

Allianz — Best for Annual Multi-Trip Policies

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

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

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

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

Best for Covering COVID-19 Cancellations

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

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

• John Hancock
• Seven Corners

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

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

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

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

Best for Preexisting Conditions

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

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

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

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

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

Does travel insurance cover COVID-19?

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

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

Does travel insurance cover preexisting medical conditions?

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

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

Does credit card travel insurance cover flight cancellations?

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

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

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

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Travel Insurance for Over 70s

Travel is one of the great bonuses of having more leisure time in old age. One of the challenges before even packing the suitcase though may be finding the best – and best value – travel insurance for over 70s. Insurers increase the price because they perceive the risk of illness or medical emergency increases with age.

• What's covered?
• Important considerations
• Keeping the cost down
• Travel advice

We have compiled this guide to over 70s travel insurance to help make the best decisions for peace of mind and wonderful holidays. As with any financial product, consult a regulated provider, and read the fine detail. This is particularly important with something such as holiday insurance for the over 70s and we explain why.

Why Travel insurance for the over 70s is important

There is a greater focus on medical and health cover in policies for the over 70s which may include:

• Medical costs – to cover expenses for treatments, medication and equipment
• Travel adjustments – due to medical requirements you may need to extend or shorten a trip
• Caring assistance – travel with a companion/carer
• Coronavirus cover – one of the most important at the moment you may be able to insure against medical expenses, cancellations and other issues related to Coronavirus

It is worth comparing different providers. Not all the big household name insurers will be able to help, and you may end up with a policy from a specialist insurer. You should be able to review them all on any number of comparison websites: as many of us know from bitter experience, the devil really lies in the detail, but these sites can be really helpful to get you started.

10 key tips about over 70s travel insurance

Upper age limit.

Make sure any policy under consideration doesn’t have age exclusions for those OVER a certain age – eg for an 80 year old an over-70s policy only includes those aged up to 79.

Pre-existing Medical Conditions

You will need to provide details of all pre-existing medical conditions as they will likely impact the level of cover available;    you can read more about pre-existing medical conditions here.

Minimum Medical Cover

Different countries and continents have different medical costs, so depending on where you are going, be sure to have the right minimum level of medical cover; check also for medical transfers included in the policy; in a similar vein there will be different policies for travel in Europe to travel in the rest of the world.

Medical Equipment & Medication

If you need to take medical equipment with you then make sure its covered in the policy as it may be difficult to replace while you’re away.  This may also be true of certain regular medication, insulin for example (take enough with you – see below).

Travel Companions

Check whether other people you are travelling with can be included on your policy - they may not then need to take out their own insurance.

Cancellation Fees

Along with illness or injury, it is a good idea to check if bereavement is included in the policy. 

Length of Travel

Some insurers limit how long you can travel for in one trip if over a certain age. The exact length of time will vary between insurers and also depending on if you choose a single or multi-trip policy. 

Cruise Insurance

You may well need to get a specific add-on to a policy for a cruise or for a skiing holiday.

Level of Excess Payments

Check the level of excess you need to make before the policy will pay out.

Exclusions or Conditions

The devil is in the detail, so read carefully what other exclusions or conditions may apply (not even age related, but for example – leaving baggage unattended will cancel a policy, or taking part in an extreme sport not included on the policy…. Whitewater rafting or skydiving granny may need different insurance….).

The average cost of an annual travel insurance policy for the over 70s is £189.70

*Compare the Market data

The most popular holiday destinations for over 70s are Spain, USA, France, Italy, Portugal & Greek Islands

*MoneySupermarket.com

Keeping the costs down on travel insurance for over 70s

The cheapest travel insurance for over 70s isn’t always the best as it might not provide the right level of cover for your holiday, and it might also require higher excess payments before a claim is paid out.

In addition to our top ten tips, here are few considerations that may help with the costs:

• Shop around and compare prices for the specific circumstances you have – pre-existing medical conditions, destination, length of holiday etc; (the dear old Post Office is also worth considering, with a long history of providing travel insurance for the over 70s)
• There may be a significant price difference between single vs annual over 70 travel insurance policies
• Beware tour operator insurance offers – some tour operators may offer insurance as part of the holiday when you book but you may find you get better value from an independent insurer
• Group policies (for more than one person) are based on the oldest traveller – so separate cover may be cheaper
• Check that in order to claim for a cancellation that you don’t need to prove the tour operator/airline won’t refund you first
• Check excess/waivers on things like car hire are not additional
• You may find that some destinations will require more expensive insurance – depending on their health care systems. Eg The USA vs European destinations
• Check if the right level of travel insurance may be included with your bank account or a credit card

Bank Accounts with Travel Insurance for Over 70s

Some bank accounts offer travel insurance (with other extras) as incentives for you to bank with them. Here are some of the better options for getting travel insurance included in bank accounts:

Where to find over 70s travel insurance

As we mentioned, comparison sites are a great starting point to get a lot of quotes in one go. Or you can visit a travel insurance provider directly for a quote. 

Here are some options you could use – click whichever takes your fancy!

Travel tips for the over 70s

Before you go.

• If travelling within Europe, apply for a UK Global Health Insurance card (GHIC) to get free or discounted medical care
• Make sure your passport is still valid; and check your destination with Government & NHS Travel pages to see if you need any vaccinations or medication to go there
• Tell your bank about your travel plans so you can use your cards abroad - some banks will stop your cards when used abroad as an anti-fraud measure
• Check the data roaming charges on your mobile phone (particularly in Europe post Brexit)
• Make a list of your medication and any other details that you might need in an emergency - and just in case, get a letter from you GP regarding medication, should you need to get more when away
• Make a list of emergency contact numbers
• Organise any airport assistance you might need through the airports you are travelling from/to
• Order enough medication to take with you for the duration of your trip, and a bit extra, just in case
• If travelling with pets, be sure they have their own passport and are up-to-date on their innoculations

Tips for travel

Put enough of any medication in your hand luggage should there be any delays etc; medication is not included in the weight allowance for each passenger so you can put the rest in your suitcase.

At your destination

Enjoy your holiday, and don’t forget to send a postcard!

FAQs on Travel Insurance for over 70s

Do all providers offer holiday insurance for over 70s.

No, not all providers offer travel insurance for over 70s because they don’t see it being profitable. However, there are still many different options for getting holiday insurance above a certain age.

Why is travel insurance for over 70s more expensive?

This is because the perceived risk of something that the insurer will need to pay out on is greater, and that the extent of any potential medical care is likely to be more than someone younger, and therefore also more expensive for the insurance company. So unfortunately, the incentive to offer over 70s competitively priced insurance isn’t there.

Can you get over 70s travel insurance if you have a medical condition?

Yes. It is really important in any holiday insurance you take out that you are clear and honest about any pre-existing medical conditions so that you can find insurance that fully covers you. Find out more about finding insurance with medical conditions here.

What is the maximum age for travel insurance?

This is entirely dependent on the provider, but for a lot of mainstream providers their cut-off will be around 70-75. However, there are plenty of other providers that have a higher threshold or none at all! SAGA, for example, has no upper limit on travel insurance.

How much does travel insurance for over 70s cost?

Travel insurance for the over 70s varies in price depending on a few factors including age, where you're going, what activities you do and for how long you are going. Generally you should expect to pay at least £60 but prices can exceed £200 for some types of cover. It is best to just think of this as part of the cost of going on holiday and to factor it in, because it is a necessary item.

Does being over 70 affect how long you can travel abroad?

Absolutely not. It may increase the price of the travel insurance you can get but it is completely up to you how long you go abroad for. That all being said you aren't as young as you used to be and your tolerance for long trips away might be less that it once was!

When should I buy travel insurance for over 70s?

Ideally you should get travel insurance as soon as you've booked your holiday. This is because you take on risk as soon as it's booked. If an aspect of your journey is cancelled you want it to be covered by your insurance.

Where is it most expensive to get travel insurance for?

Because of the cost of medical treatment, the USA, Canada, the Caribbean, China and Hong Kong are often the most expensive places to get travel insurance for. The price of travel insurance is even likely to differ a little bit in Europe with Spain, for example, being one of the pricier destinations, and Greece being less so.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, over 70s travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

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At InsureandGo, we want to make it easy for as many people as possible to travel worry-free. That’s why our travel insurance for over 70s has got you covered. It’s one less thing to think about when planning your next holiday! 

What is over 70s travel insurance and how does it work?

Travel insurance for over 70s is a type of travel insurance policy that covers the specific needs of older travellers, including any pre-existing health conditions. We believe that your age shouldn’t stop you from having the type of holiday you want, which is why we cover more than 1300 pre-existing conditions.

It’s important to have the right type of travel insurance before you set off. If you’re travelling without insurance, you may be stung with a nasty bill as a result of any holiday mishaps. For example: 

• The NHS estimates a third of all people over 65 will have at least one fall a year . 
• The World Health Organisation estimates that falls are a contributing factor for 50% of all hospital visits for people aged over 65.
• In the US, the it can cost as much as $10k a night to stay in hospital .
• If you fall on holiday, it’s important to make sure that your hospital visit is covered by your insurance. 

Planning a cruise? Then all you need to do is add our cruise travel insurance to your policy. Just like our standard over 70s travel insurance, we can consider any pre-existing medical conditions on our cruise travel insurance, which also has no upper age limit.

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

What does InsureandGo’s over 70s travel insurance cover?

What’s covered.

All our over 70s travel insurance policies include:

Find out about our optional add-ons for activities like extreme sports , winter sports , hiking , cruises and golf .  We will consider all pre-existing medical conditions, find out more about medical travel insurance .  The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered.

What’s Not Covered

While each policy and provider will have different things it can and cannot cover, there are some general things no travel insurance will cover. For example:

Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.

Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.

All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

Age restrictions

We think yearly holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit. While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding. 

Trip length

Our annual multi-trip travel insurance covers you for gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies. If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Our Budget level multi-trip travel insurance covers valuables up to £100, Silver policies cover £200, Gold £400, and a Black annual policy will insure £600 of your valuables.

If you’ll be taking away something a bit more expensive you can add our valuables extension, giving you £2,000 of cover for your sports equipment, camera, laptop and much more. Check the policy wording for full details of what’s covered with this add-on, and note that there’s a limit of £1,000 per individual item.

The best travel insurance for over 70s

Our travel insurance policies have no upper age limit, so there’s no reason not to do what you love abroad. We can provide additional cover for a range of activities:

• Love cruising? We’ve got you covered with our cruise insurance . 
• Taking multiple trips this year? It might work out better to get annual travel insurance if you’re heading abroad multiple times.
• Touring a few countries? Depending on your destinations, you might need worldwide travel insurance or travel insurance for Europe . 
• Heading off to engage in a hobby? We’ve got travel insurance specifically for golf holidays or hiking trips , or you could even get travel insurance for extreme sports . 

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

With our over-70s travel insurance, you’ll be covered for your trip, even if you have a pre-existing health condition.

You’ll just need to declare your pre-existing conditions when you set up your policy, which means we’ll need to ask you some questions to see if any additional premium is required.

Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents . 

Which destinations are covered by our over 70s travel insurance?

We offer over 70s travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean).

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How much does over 70s Travel Insurance cost?

There is no standard cost for over 70s travel insurance. Our travel insurance policies have no upper age limit, and we’ll consider most pre-existing medical conditions too. 

The exact cost of your travel insurance for over 70s will vary, depending on the length of the trip you’re taking, where you’re going, whether or not you have any pre-existing medical conditions, any activities you’ll be doing, and any additional extras you might need. 

When purchasing travel insurance, be sure to check the policy wording. You’ll need to make sure it covers everything you need to – including any medical expenses or activity cover you might need. Each policy is different, so be sure you check yours. 

How to book our travel insurance for over 70s

We know your holiday planning to-do list can be a long one, so we make getting over 70s insurance as simple as possible:

1 . Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2 . Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future. 

“There may be a few extra challenges when going on holiday later in life, but your travel insurance policy shouldn’t be one. Our travel insurance has no upper age limit, so Just pick the type of policy that suits your travel plans, whether that’s a single or annual trip, cruising, golfing, or even extreme sports.“ Letitia Smith MSc, Travel Insurance Expert

F requently asked questions

What is the maximum age you can insure up to.

InsureandGo offers travel insurance with no upper age limit . Our policies always include cover for over 100 sports and activities, no matter what your age. Please note that our additional winter sports cover is only available up to age 65.

Will my policy be more expensive if I’m over 70?

Unfortunately, the costs of travel insurance rise because of the increased risk of claims when older people travel. This is because providers consider you more at risk of needing medical treatment while you’re away. This is normal with all travel insurance policies so you may pay slightly more. 

Does my over 70s travel insurance change depending on where I’m going?

Yes, but this isn’t because you’re over 70. Typically, policy prices change depending on where you’re going because different countries have different costs for medical treatment. For example, high medical expenses in the US means that travel insurance for the USA is more expensive than travel insurance to go to Spain .

How long can I travel for if I’m over 70?

As long as anyone else! There’s no reason your age should hold you back. Our annual multi trip  policies do have trip limits, but these don’t depend on your age. With single-trip travel insurance , you can be abroad for 365 days if you choose to! 

Our annual multi-trip travel insurance allows you to travel as often as you like but with a duration limit on each individual trip. Budget policies would cover you for 31 days at a time, Silver or Gold for 45 days, and Black policies can cover unlimited trips of up to 55 days.

Do I need a GHIC card as well as travel insurance?

As a British citizen, it is recommended to carry a free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) whenever you travel to Europe. Doing so means that you will have the costs for most medical procedures covered while away. 

However, it’s vital to remember that you still need European travel insurance to cover the costs of any unexpected medical treatment the EHIC or GHIC might not cover. This includes things like transport to and from hospital or even repatriation back to the UK. 

What is considered a pre-existing condition for travel insurance?

We consider it a pre-existing condition if any person insured on this policy has:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

You must let us know of any pre-existing medical conditions you have before buying insurance. To do so, you can use our quick and easy online medical screening system.

What happens if I don’t declare a pre-existing condition on my travel insurance?

If you don’t declare your pre-existing condition before getting your travel insurance policy, you may find that your policy becomes invalid. This will mean that you will end up having to pay extensive medical bills if the need arises, along with other costs that would previously be covered by your policy. 

How far in advance should I get travel insurance?

Experts advise that you get your cover as soon as you book your trip . Failing this, you should arrange cover as soon as possible. Remember that your travel insurance will only be valid if you have bought it before you leave the UK.

It’s especially important to ensure you have travel insurance if you’ve pre-booked any activities or excursions for while you’re on holiday. Policies differ, so be sure to check the wording of your policy if you have a specific activity in mind. 

Frequently asked questions

If you’ve got more questions about how our single trip travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

Who can buy an InsureandGo over 70s travel insurance policy?

Our annual travel insurance policies are available to UK residents (someone who has been living in the UK or the Channel Islands for at least six months, has a UK address and is registered with a GP) who are in the UK at the time of purchase. 

To choose the right annual multi-trip travel insurance policy for you, get a quote online or read our policy documents for more information.

• Unlimited emergency medical expenses available on Black level policies.
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Travel insurance

Best travel insurance for seniors in June 2024

Amy Fontinelle

Heidi Gollub

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

Updated 5:35 a.m. UTC June 3, 2024

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Travel insurance quotes comparison

Top-rated travel insurance for seniors.

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

• Excellent $500,000 per person in primary emergency medical coverage.
• Very good emergency medical coverage of $500,000 per person.
• Eligible for pre-existing medical condition exclusion waiver if conditions are met.
• “Cancel for any reason” coverage of 75% available.
• No “interruption for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Lowest baggage and personal item loss coverage of our top-rated senior plans.
• Lowest travel delay coverage of our top-rated senior plans.
• No rental car coverage option.

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

• Second-cheapest of our best senior plans.
• Best-in-class medical evacuation coverage of $1 million.
• Pre-existing condition coverage available if conditions are met.
• Baggage loss coverage of $2,000 per person is the best among our top senior plans.
• No “interruption for any reason” coverage upgrade available.
• Travel delay benefit takes 12 hours to kick in.
• Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

• Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
• Great “interruption for any reason” coverage of 75% available.
• The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

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

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

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

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

Compare the best travel insurance for seniors

Via Compare Coverage’s website

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

• Trip cancellation insurance . 
• Trip delay insurance.
• Trip interruption insurance. 
• Travel medical insurance. 
• Emergency medical evacuation .
• Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

• Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19. 
• Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
• Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
• Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
• “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

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

How to save money on travel insurance for seniors

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

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

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

Is CFAR worth it for senior travelers?

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

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

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

More travel insurance for seniors resources

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

Best senior travel insurance FAQs

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

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

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

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

More: Is travel insurance worth it?

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

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

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

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

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

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

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

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

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June 1, 2020

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The Best Travel Insurance Plans for Seniors

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

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

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Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

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

Table of Contents

• Allianz Travel Insurance
• Trawick International

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

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

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

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

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

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

SEE FULL REVIEW »

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

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

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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

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

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

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

Frequently Asked Questions

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

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

Why Trust U.S. News Travel

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

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Can You Buy Travel Insurance for Road Trips?

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

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

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

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

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

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

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

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