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Best Travel Insurance for Seniors

Plans for Seniors over 60, 70, and 80. Find good travel coverage at any age!
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  • Based on our research, the best travel insurance plans for seniors are from Seven Corners, IMG, John Hancock, AXA, and Nationwide (skip ahead to view these plans).
  • Many seniors’ travel insurance plans don’t have an age limit, so there are plenty of options for getting travel insurance over 70 and even into your 80s & 90s.
  • Age is the number one factor that influences the cost of travel insurance, therefore seniors tend to pay a slightly higher premium than younger travelers.
  • Some companies offer specific travel insurance plans tailored to senior travelers which can cover pre-existing conditions and be quite affordable.
  • The most important types of travel coverage for seniors to look for are medical coverage, emergency evacuation, and optional cancellation coverage.
  • We recommend using a comparison tool to easily find plans suited to your age and to compare prices from multiple providers at once.

Senior citizens in particular stand to benefit the most from travel insurance given their advanced age. This is because they are more likely to become ill or injured when traveling away from home, just as they are more likely to have pre-existing medical conditions that could flare up.

Having medical backup while you sun yourself on a beach in Mexico or sip wine in Rome is therefore far more important for senior travelers.

In this guide, we’ll cover:

If you or someone you love is a senior citizen looking for travel insurance, ensure the plan has high limits for:

  1. Emergency medical treatment
  2. Emergency medical evacuations
  3. Repatriation of remains in the event of an unexpected death

Lastly, consider getting coverage for trip cancellations and interruptions in case you need to cancel your trip or cut it short.

Great for Premium Coverage

AXA Assistance USA

GET A QUOTE via Squaremouth’s secure website
4.22
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Great Coverage for Pre-Existing Conditions

John Hancock Insurance Agency, Inc.

GET A QUOTE via Squaremouth’s secure website
4.21
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Best Coverage for Seniors Over 70

Trawick International

GET A QUOTE via Squaremouth’s secure website
4.14
Preferred Plan
Safe Travels Voyager
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000

Our picks for the best travel insurance for seniors in 2024

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Great for Premium Coverage

AXA Assistance USA

4.22
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

Editor's take

The Platinum plan from AXA Assistance USA offers a broad range of coverage types with high limits making it a great option for those wanting premium coverage.

This includes solid cancellation and interruption coverage that can reimburse your entire trip expenses if you need to cancel of cut your trip short.

You’ll also get:

  • $250,000 coverage for medical emergencies
  • $1 million coverage for emergency medical evacuations
  • $100,000 coverage for non-medical evacuations
  • travel delay coverage worth up to $1,250
  • missed connections coverage up to $1,500
  • up to $100,000 in protection for accidental death and dismemberment (AD&D) as well as generous baggage insurance, and more.

This plan is also great for active seniors who plan to do sports like golf or other outdoor activities. For example, you can get $25 per day in coverage for missed ski days, $500 in protection for missed golf rounds, and $1,000 in insurance for sports equipment rental.

PROS

  • High coverage limits in every category. Extremely comprehensive
  • Includes identity theft coverage & non-medical evacuation coverage
  • CFAR coverage reimburses 75% of prepaid travel expenses

CONS

  • Coverage cannot be extended unlike other plans
  • Medical limit is lower than other cheaper plans, but still sufficient

Great Coverage for Pre-Existing Conditions

Full Policy Details

John Hancock Insurance Agency, Inc.

4.21
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

Editor's take

John Hancock Insurance Agency offers a premium Gold travel insurance policy that works well for older individuals with pre-existing conditions. The pre-existing condition coverage does come with a 60-day lookback and a 14-day waiver, although it is automatically included in this coverage.

Other perks that come with the Gold plan from John Hancock include:

  • Generous trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost respectively
  • Trip delay coverage worth up to $1,000 (up to $200 per day)
  • $1,000 in coverage for missed connections
  • $250,000 in protection for a medical emergency with no deductible
  • $1 million in coverage for emergency medical evacuation and repatriation of remains

PROS

  • Travel delay coverage kicks in after just three hours
  • Generous coverage for emergency evacuation and repatriation of remains
  • Optional CFAR upgrade available
  • Baggage insurance comes with generous limits of up to $2,500
  • Terror attack coverage included

CONS

  • Baggage delay coverage requires a 12-hour waiting period

Best Coverage for Seniors Over 70

Full Policy Details

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Voyager
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It

Editor's take

“Several of the Trawick travel insurance plans rank among our top-selling plans for 2024. The Safe Travels Voyager plan is arguably the most popular among LA Times' readers thanks to its comprehensive coverage. With its higher-than-average coverage limits over many categories, Trawick Safe Travels Voyager is the ideal choice for travelers seeking comprehensive travel insurance with high levels of policy limits.

Starting with its medical benefits, it offers a good primary medical coverage limit of up to $250,000 per person for medical emergencies and covers up to a whopping $1,000,000 per person for medical evacuation and repatriation. The plan is not the cheapest on the list, but these levels make it ideal for global international travel and even travel to remote locations. The plan can also cover pre-existing medical conditions as long as you buy the plan within 21 days of the initial trip deposit and before the final trip payment. This means it’s also a solid option for older travelers or those with existing health conditions.

Other key benefits include cancellation coverage, which can reimburse you for up to 100% of the trip cost, and interruption coverage which can reimburse you for up to 150% of the trip cost if your trip is cut short. Cancellation and interruption cancellation for COVID-19 sickness also come standard.

As with other plans, examples of covered reasons for canceling can include:

  • Medical Reasons
  • Hurricane & Weather
  • Financial Default
  • Employment Layoff
  • Terrorism

This plan also has the highest reimbursement limits for travel delays and baggage issues of any on our list of best travel plans for . You also be reimbursed for travel delays (up to $3,000 per person) and missed connections on cruises and tours (up to $1,000 per person).

Loss or delay of baggage is always a concern while traveling, but with this plan, you can rest easy. It offers coverage for:

  • Baggage and personal items loss up to $2,500
  • Baggage delay coverage up to $600 per person

Sports and activities are covered (with some limitations), and sports fees are included in the cancellation and interruption coverage.

Trawick Safe Travels Voyager plan also includes coverage for rental car damage up to $35,000 per person, a 10-day money-back guarantee after purchase, and 24-hour assistance service should you need help during your trip. Whether you’re looking for medical coverage, trip cancellation protection, or assistance services, this plan has you covered. Travel with confidence knowing you’re protected with Trawick Safe Travels Voyager.”

PROS

  • Excellent medical coverage limits
  • Up to $2,500 baggage coverage included
  • Covers quarantine accommodation expenses

CONS

  • Baggage delay coverage only kicks in after 8 hours
  • CFAR only covers 75% of the insured trip cost

Best Coverage for Seniors Over 80

Full Policy Details

IMG

4.24
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
iTravelInsured Travel LX Basic
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Why We Like It

Editor's take

This plan is great for travelers of any age and offers extremely robust coverage for a low price. Depending on your trip parameters, this plan can work out to be hundreds of dollars cheaper than similar plans while still offering great coverage and a 10-day money-back guarantee.

As an example, you will be covered for up to $500,000 of primary emergency medical coverage, meaning you won’t have to pay first and wait to be reimbursed should you need unexpected medical treatment while traveling. IMG will pay the bills for you up to $500,000. You also get travel cancellation, interruption, and travel delay coverage included as well as $40,000 in rental car damage protection included. Protection for baggage delays and baggage loss comes standard.

While the plan doesn’t cover pre-existing conditions, per se, this plan only has a look-back period of 60 days. This means it only considers pre-existing conditions as “an illness, disease, or other condition during the 60-day period immediately prior to the date your coverage begins.” That said, this can be waived if you pay your premium at or before making the final payment of your trip. See all the plan inclusions using the button to the right.

PROS

  • 10-day money back guarantee
  • Generous limits for trip delays, emergency evacuation, and more
  • 24/7 emergency travel assistance included
  • Coronavirus-related medical expenses covered
  • Rental car coverage included

CONS

  • Recently developed pre-existing conditions may not be covered
  • CFAR and IFAR coverage only available as an add-on with premium plans

Best Cruise Insurance for Seniors

Full Policy Details

Nationwide Mutual Insurance Company

4
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Cruise Luxury
Covers COVID
YES
Medical & Evacuation Limits Per Person
$150,000 / $1,000,000
Why We Like It

Editor's take

Senior travelers who love to cruise may be better off purchasing a plan that’s specific to this type of trip. We like the cruise insurance plans from Nationwide because there are three tiers to choose from — Universal, Choice, and Luxury. For senior cruisers who mostly opt for affordable cruise vacations, the Universal or Choice plans can work well. However, the Luxury Cruise Plan offers higher limits and better coverage overall.

In fact, the Luxury Cruise Plan from Nationwide comes with trip cancellation coverage as well as trip interruption protection, missed connection coverage worth up to $3,000, trip delay coverage worth up to $1,000, specialized protection for itinerary changes, up to $150,000 in coverage for medical expenses, up to $1 million in insurance for medical evacuation, and generous protection worth up to $2,500 for baggage and personal effects. Coverage for weather that often impacts cruises is also provided, as well as coverage for work-related emergencies and terrorism in an itinerary city.

PROS

  • Optional CFAR coverage is available
  • Excellent coverage for medical evacuation
  • Generous limits for baggage and personal effects
  • Specialized coverage for cruise itinerary changes
  • High medical evacuation coverage
  • Cancelation & interruption coverage
  • Inusres elderly travelers

CONS

  • Coverage for dental expenses is capped at $750
  • Coverage for medical expenses is secondary
  • Accidental death and dismemberment (AD&D) coverage is capped at $75,000
  • Lower medical coverage limits
Passport and Plane Ticket

Travel insurance for seniors with pre-existing conditions

On average, senior citizens are far more likely to have underlying health problems and pre-existing conditions. Ensuring your policy has a pre-existing medical condition exclusion waiver will remove any exclusions for illnesses or conditions you already have. Generally speaking, you should buy your plan right after your first trip deposit to qualify for the pre-existing medical condition exclusion waiver.

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

Travel insurance for seniors on Medicare

In most cases, Medicare will not cover you for any health care or medical supplies you receive outside of the US. So it’s important to purchase a travel insurance policy that will cover you during your vacations outside of the US.

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

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

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

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

Tips for choosing the best senior travel insurance coverage

Despite seniors being young at heart, insurance companies tend to equate senior travelers with a higher risk of having to pay out given their advanced age. Since this means seniors may have less options for coverage than other travelers, it’s important to understand what types of coverage are necessary, and what you should look for.

Here is our list of the plan features and benefits you should opt for when buying travel insurance as a senior citizen:

  1. Emergency travel medical coverage ($250k)
  2. Medical evacuation coverage ($250k)
  3. Pre-existing conditions coverage
  4. Repatriation of remains
  5. Trip cancellation insurance
  6. Cancel for Any Reason coverage (optional, but recommended)
  7. COVID-19 coverage
  8. Annual coverage (optional)

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

$250,000+ in travel medical insurance coverage

We suggest purchasing a policy that comes with at least $250,000 in coverage for medical care, but opting for a plan with higher limits is even better for getting the best travel medical insurance for seniors. Having a medical emergency away from home can be incredibly costly, and that’s especially true if you require hospitalization, surgery, or long-term treatment and rehabilitation.

$250,000+ in medical evacuation coverage

We also recommend having at least $250,000 in coverage for medical evacuation. Being transported in a plane, a helicopter, or an ambulance to the nearest hospital or clinic can become costly in a hurry. This is especially true if you’re traveling on a cruise ship or you’re traveling in a remote area, so keep this tip in mind. Not all cruise insurances cover medical evacuation. This type of coverage typically includes insurance for the repatriation of remains and pays for someone to come accompany you if you are stuck in the hospital.

Coverage for pre-existing conditions

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

Insurance for repatriation of remains

Coverage for the repatriation of remains is essential if you or your travel companion unexpectedly dies during a trip. For example, this type of coverage can help pay for transporting the body back to the US from the UK. It can also pay for a basic casket used for transport, as well as third-party air and ground shipping expenses.

Optional cancel for any reason (CFAR) coverage

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

Insurance for COVID-19

By now, we all know that seniors are the most at risk when catching COVID-19. If you’re worried about high-risk travel to areas where Covid is still prevalent, it’s a good idea to make sure your policy includes coverage for COVID-19. This includes protection for COVID-19-related hospitalization or treatment, as well as insurance that pays for quarantine if you’re required to isolate during your trip.

Annual coverage

Annual travel insurance plans for seniors cover multiple trips to multiple destinations for a full calendar year from the date the policy begins. If you travel regularly, this type of coverage may make sense than getting a single-trip policy.

How to compare travel insurance for seniors

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

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

AXA Assistance USA
AXA Assistance USA Platinum
John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc. Gold
Compare plans from providers side by side
Type of medical coverage
Primary
Primary
Emergency Medical
$250,000
$250,000
Medical Evacuation & Repatriation
$1,000,000
$1,000,000
Covers COVID
YES
YES
Pre-Existing Conditions
Waiver Available
Optional Add-on
Extension Of Coverage
NO
YES
Non-Medical Evacuation
$100,000
NO
Trip Cancellation
100% trip cost
100% trip cost
Trip Interruption
150% trip cost
150% trip cost
Travel Delays
12+ hours
3+ hours
Missed Connection
3+ hours Cruise & tour only
3+ hours
Baggage Loss
YES
YES
Baggage Delay
12+ hours
12+ hours
24 Hour AD&D
$50,000
$100,000
Flight Only AD&D
$100,000
Optional Add-on
Common Carrier AD&D
NO
NO
Sports & Activities
Some Sports
Some Sports
Sports Equipment Loss
YES
YES
Sports Equipment Delay
$1,000
NO
Sports Fees
YES
YES
Rental Car Damage
Optional Add-on
Optional Add-on
Money Back Guarantee
YES
YES
24 Hour Assistance Service
YES
YES
Cancel For Any Reason
Optional Add-on
Optional Add-on
AMBest Rating
Better Business Bureau Rating

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

1

Use a comparison tool to help you choose

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

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2

Look for age restrictions

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

See More See Less
3

Check your existing coverage and avoid overlaps

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

See More See Less
4

Read the fine print and check for any exclusions

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

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Passport and Plane Ticket

How much does senior travel insurance cost?

The average cost of travel insurance for senior travelers depends on the type of coverage purchased, the included benefits, and the coverage limits on the plan.

We ran some cost examples below to try and get a better understanding of how much seniors’ travel insurance typically costs.

We used the insurance provider Squaremouth to compare premiums for a trip to France for two 65-year-olds in September of 2024.

The travel insurance quotes we received were for a 7-night vacation with a total trip cost of $6,000.

Travel Insurance Company Estimated Plan Costs
Tin Leg $416
IMG $449.74
Seven Corners $512
Trawick International $520.02
AXA Assistance USA $550
Generali Global Assistance $565.20

We also got a separate travel insurance quote for a trip to Ecuador for two 55-year-olds in September of 2024.

The travel insurance quotes we received were for a 14-night vacation with a total trip cost of $8,000.

Travel Insurance Company Estimated Plan Costs
Tin Leg $376
IMG $430.10
Seven Corners $450
Generali Global Assistance $482.98
AXA Assistance USA $524
Trawick International $771.58

Factors that can impact the cost of seniors’ travel insurance include:

Travel Insurance for Seniors Frequently Asked Questions (FAQ)

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

Even if you have Medicare, you should consider opting for a travel insurance plan because typical health plans like Medicare don’t cover you once you cross international borders. That’s where travel insurance comes in.

For example, your travel insurance policy’s Emergency Medical coverage can handle unexpected medical costs that arise during your stay abroad. Additionally, Medical Evacuation and Repatriation coverage will ensure you receive proper care during medical emergencies and can arrange urgent hospital transfers or pay to bring you back home if necessary.

Lastly, if an illness, injury, or an unforeseen circumstance forces you to cancel or cut your trip short, cancellation coverage can step in and reimburse even non-refundable trip expenses. Therefore, we highly recommend travel insurance to all seniors.

Can you get travel insurance if you are over 75?

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

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

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

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

Can seniors get a discount on travel insurance?

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

Does travel insurance cover the death of an elderly parent?

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

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

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

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

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

Which travel insurance is best for senior citizens?

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

What is the best travel insurance for seniors over 70?

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

Does AARP offer travel insurance?

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

Holly D. Johnson
Holly D. Johnson Finance Expert

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

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

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