travel health insurance for seniors over 80

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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

• Rating Details
• 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

Best Travel Insurance for Seniors and Retirees in Detail

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)

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.

You might also be interested in:

9 Best Travel Insurance Companies of April 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

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

Travel Insurance

Best travel insurance for seniors in May 2024

Amy Fontinelle

Heidi Gollub

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

Updated 4:00 a.m. UTC April 1, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

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

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.

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 TravelInsurance.com’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.

Pre-existing medical condition exclusion waiver: 20 points. Travel insurance plans that cover pre-existing medical conditions if the policy is purchased within a required timeline received 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 COVID travel insurance
• 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.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

AXA Assistance USA travel insurance review 2024

Travel Insurance Jennifer Simonson

Cheapest travel insurance of May 2024

Travel Insurance Mandy Sleight

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

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

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

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

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3151 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, 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.

What You Need to Know About Age and Travel 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.

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.

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.

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. 

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.

Best Travel Insurance Options — Ages 65 to 69

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.

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 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. 

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.

Best Travel Insurance Options — Ages 70 to 79

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.

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.

Was this page helpful?

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.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

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

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

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

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

Best overall: Allianz

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

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

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

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

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

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

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

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

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

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

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

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

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

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

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

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

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

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

Making the most of your plan

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

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

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

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

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

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

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

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

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

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

You can read more about our insurance rating methodology here.

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

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

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

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

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

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

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

**Enrollment required.

• Main content

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

The Guide to Senior Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The best senior travel insurance options

Tips for selecting travel insurance for seniors, what else seniors need to know about travel insurance, travel insurance for seniors, recapped.

Travel insurance is a smart way to protect the money you have invested in a big trip in case unforeseen hurdles stop you from traveling. Seemingly now more than ever, last-minute changes can disrupt a trip, and in some cases, the money spent on nonrefundable purchases is at risk. There are numerous travel insurance options for people older than 65, but it is important to understand the nuances of senior travel insurance.

Medical issues or situations at (or en route to) your destination can stifle even the best-laid plans. Many credit cards include travel insurance as one of their benefits. These plans can assist in the event of lost or delayed baggage, flight delays and cancellations, and other adjustments to a trip paid for with that particular card.

When buying supplemental senior citizen travel insurance, don’t rely on the default option presented by your travel provider. There are many considerations to take into account, like how far from home you plan to be, the potential for injury or sickness (including your pre-existing medical conditions), and what may already be covered by other insurance plans you have.

For example, medical evacuation may not be covered, but local transportation to a hospital may be. And remember that U.S. health plans or Medicare coverage are especially limited outside of the country.

Here are some options worth reviewing from a handful of insurance providers: Allianz, Medjet, Travelers and your specific travel provider.

Here are a select few senior travel insurance options for people 65 and older.

Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments overseas, even in the local currency and their preferred payment methods, to keep you from paying out of pocket.

For longer trips, it offers an AllTrips Prime Plan in increments of three, six or 12 months (ideal if you plan to vacation elsewhere during the winter months, for example). This plan covers emergency medical transport. The company takes into account certain pre-existing medical conditions so be sure to read the fine print.

If you fall ill or need assistance during your travels, Medjet ’s supplemental coverage for medical transportation helps you get to your home or the hospital of your choice. It includes air medical transport. This is a membership program that covers emergencies and can be tacked onto trips or purchased annually. While not technically travel insurance, this company offers an additional medical transport option for emergencies.

This coverage can be helpful if you're planning to travel in remote or unfamiliar areas, such as on safaris, to secluded islands and other far-flung destinations.

» Learn more: Does travel insurance cover medical expenses?

Most other travel insurers might only get you to the nearest appropriate hospital facility. For travelers younger than 75, Medjet offers no pre-existing medical condition exclusions and it doesn't rule out the same number of activities that other providers might.

3. Travelers

With the option to buy an annual, multi-trip protector, Travelers insurance covers a whole year of trips with the option to upgrade several features. The add-ons include “Cancel For Any Reason” insurance and trip interruption coverage.

4. Your travel provider’s own plan

On certain types of trips, say a cruise or a Caribbean resort that is prone to hurricanes, using the travel provider’s recommended insurance can be a good bet. This coverage is usually offered as an add-on during the booking process, but it can also be added after the reservation.

Most likely, these policies are designed to cover delay or cancellation issues, but be sure to read the fine print to see if medical transportation or trip interruption is also included.

Choosing a provider of your own can make sense when planning your own travel (let’s say a honeymoon to Paris or the Maldives). If a cruise line or safari outfitter offers insurance of its own, that might be the most comprehensive when it comes to that particular provider’s operations.

» Learn more: The best cruise insurance

Deciding if you need travel insurance is the first hurdle. Next comes the task of selecting the right one without spending more than the cost of what you are actually trying to protect. These are some important tips to consider.

Compare plans

It is wise to compare the options available using aggregator websites like SquareMouth (a NerdWallet partner) and InsureMyTrip.com. These sites compare the options from dozens of different providers detailing what they do and do not cover.

Seeing the exclusions as well as considering them within the framework of your trip can help you select the best plan for your travel needs.

Consider existing coverage

Review your existing coverage, whether that is via your health insurance or any credit card protections you may have. Some of the benefits you might be paying extra for when getting supplemental travel insurance may already be covered.

Read the fine print

Don’t base your final decision on price, as sometimes the cheapest policy may be the most restrictive — and the most expensive policy may give you coverage for activities you won't even be doing.

What may seem like an inclusion may actually be disallowed due to a technicality (terrorist attack or war). If you’re not sure, pick up the phone and ask if your specific situation is covered.

Timing is key. The sooner you buy your travel insurance coverage, the more time you have to benefit from it. The price could also rise the closer you get to departure. If you wait until the departure date to buy it, you would be out of luck if the week before you get sick or the destination closes its borders. Buying insurance after an issue arises won't help you.

Travel insurance is a safe way to protect that sunken cost. Spending money on travel, even with the benefit of loyalty program miles and points to offset some of the cost, can be a significant investment. Chances are that you won’t even need it, but like other insurance policies, it can pay off in the event of unforeseen circumstances. Weigh the cost of potential expenses with the insurance plan. Canceling a rental car for a road trip may not be a big deal, but business class flights and a nonrefundable cruise might be.

Credit card coverage only protects you if you use that card to pay for your travel. The Chase Sapphire Reserve® and The Platinum Card® from American Express also offer travel insurance benefits when paying with points, too. Terms apply. Using the right card for your trip can help save money on other potential travel insurance costs.

» Learn more: Best travel insurance options for older adventurers

What may seem like an unnecessary extra cost can actually help save the day in certain circumstances.

It can pay dividends to understand what your existing coverage includes (especially via a particular credit card) so that travelers over 65 make the most advantageous insurance decision for their trips.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Travel Insurance for Seniors

Travel only gets better when you're over 50. You have enough experience to be comfortable anywhere in the world, from Shanghai to Santiago, and you have the time and resources to plan incredible adventures. Where will your next ticket take you?

Featured Articles

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

This guide covers key benefits and ways for seniors to save money on travel insurance.

Buying Annual Travel Insurance Over 65

If you're retired and a frequent traveler, you need yearly travel insurance...

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

{{articlePreview.snippet}} Read More

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] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

• Motorcycles
• Car of the Month
• Destinations
• Men’s Fashion
• Watch Collector
• Art & Collectibles
• Vacation Homes
• Celebrity Homes
• New Construction
• Home Design
• Electronics
• Fine Dining
• Aston Martin
• L’Atelier
• Les Marquables de Martell
• Panther National
• Reynolds Lake Oconee
• 672 Wine Club
• Sports & Leisure
• Health & Wellness
• Best of the Best
• The Ultimate Gift Guide

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

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

• 5 Tips for Buying Travel Insurance
• Travel Insurance for Sports Equipment: Everything You Need to Know
• The Travel Insurance You Need for a Multi-Destination Vacation
• Share This Article

We may receive payment from affiliate links included within this content. Our affiliate partners do not influence our editorial opinions or analysis. To learn more, see our Advertiser Disclosure .

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

Related Stories

Who needs a chopper blade is launching a luxe bus service to the hamptons this summer, inside antigua’s new adults-only all-inclusive hotel, complete with overwater bungalows, ask robb: help i’ve seen it all on safari—including the big 5. what now.

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

Read More On:

• FBS Marketplace

More Travel

What Venice’s New Tourist Tax Means for Your Next Trip

Culinary Masters 2024

MAY 17 - 19 Join us for extraordinary meals from the nation’s brightest culinary minds.

Give the Gift of Luxury

Latest Galleries in Travel

Kalmar Beyond Adventure’s Porsche Safari in Photos

The Dunlin, Auberge Resorts Collection in Photos

More from our brands, bridal designer yumi katsura, who revolutionized the industry, dies, details matter: ncaa settling house and carter won’t end legal woes, netflix co-ceo ted sarandos among rts london convention speakers — global bulletin, jeff koons and nonprofit startup clever noodle release children’s literacy game, the best yoga mats for any practice, according to instructors.

What Older Travelers Need to Know About Getting Travel Health Insurance

While most of us tend to feel younger than we are — and are likely to be healthier and more fit than our parents were at our age — there's no denying that it's prudent for older travelers to think about purchasing travel health insurance coverage before taking a trip, especially when venturing outside the US. The odds of getting sick or having to address a chronic medical issue while traveling increase as we age.

At age 65 and older, many US citizens are eligible for Medicare (read about the eligibility requirements here ). Medicare, however, does not cover health care services or supplies for recipients traveling outside the country, except in rare cases.

There are three ways Medicare-eligibles can get health coverage while traveling abroad. Some specific Medigap policies (Medicare supplement insurance) provide this type of coverage. Travelers need to assess the type of Medigap policy they have and the specific circumstances under which coverage is provided. There's also Medicare Advantage and other Medicare programs (as opposed to Original Medicare) that may provide such coverage. Again, travelers need to determine the specifics of the coverage offered by their plans. But if neither of the above applies, older travelers should consider purchasing a travel insurance policy that provides health coverage.

We asked Stan Sandberg, co-founder of the travel insurance comparison site TravelInsurance.com , some health insurance questions that commonly arise for older travelers. This interview has been edited for clarity and length.

Related: Is Credit Card Travel Insurance Sufficient?

In general, how does age affect the cost of travel insurance?

Stan Sandberg: Similar to other actuarial-based insurance products, the older you are, the more costly your insurance will be. This is true both for medical-only plans and for trip cancellation insurance. The good news is that the travel health insurance cost increases related to age aren't as great as you might expect — especially if you are healthy with no pre-existing conditions.

A sample of 23 products we offer on TravelInsurance.com shows an average price increase of just under $85 for an 85-year-old versus an 80-year-old. For healthy buyers the same ages without a pre-existing condition , the increase is less than $35. And based on a $2,000 trip (looking across the same 23 products), the average premium for a comprehensive travel insurance plan, including trip cancellation coverage, is $109.25 for a 50-year-old; $140.90 for a 60-year-old; and $183.99 for a 70-year-old. So the increase is about 30% from ages 50 to 60, and about 30% from ages 60 to 70.

Do all, or some, policies have age limits?

Some policies, in particular travel medical policies, have an age limit. But for most trip cancellation policies, travelers won't start seeing fewer plans until they celebrate their 101st birthday!

What is the difference between annual travel insurance policies and single trip insurance for older travelers?

Annual plans cover multiple trips taken during a one-year period. Irrespective of age, however, the coverage limits of annual plans are cumulative, so a traveler could theoretically exhaust the benefits with a single claim on a first trip. Since seniors often have more time to travel, annual plans can be attractive to those who travel more than four times a year. But potential purchasers should carefully compare the costs and coverage of an annual plan with those offered as Medicare supplements.

What about obtaining insurance when you have pre-existing medical conditions? Is there any way around such exclusions?

Most policies exclude losses that stem from a pre-existing condition. (A pre-existing condition is defined as any prior injury, illness, disease or other type of medical condition for which a person sought care in the six to 12 month period prior to the effective date of the policy.) However, some policies offer a "pre-existing condition exclusion waiver" that allows coverage of pre-existing conditions. To qualify, purchasers must meet certain requirements. These typically include:

• Purchasing the travel insurance policy within a defined time period (usually seven to 21 days from when the initial payment for the trip was made. )
• Travelers need to insure 100% of their pre-paid and nonrefundable trip costs.

We recommend that travelers speak to a licensed agent and read the fine print before purchasing a policy with an exclusion waiver.

What do travelers who do a lot of cruising need to know about travel health insurance?

Most travel insurance plan benefits apply to cruisers and non-cruisers alike, but some plans will have certain benefits [like] returning to land for medical evacuation that are designed specifically for cruisers.

What additional protections does trip cancellation and interruption insurance offer?

Although it adds to the cost, this option can cover the reimbursement of trip costs due to a range of unexpected circumstances — from last-minute illnesses to severe weather and natural disasters.

A Cancel for Any Reason (CFAR) upgrade offers the most flexibility, reimbursing up to 75% of total trip costs for a cancellation of any reason up to 48 hours prior to trip departure. This benefit also has to be purchased within seven to 21 days of the initial trip payment and 100% of pre-paid and nonrefundable trip costs need to be insured.

What is medical evacuation insurance? What does it cover?

Generally speaking, emergency medical evacuation coverage will pay for transportation to the nearest hospital or medical facility that can treat you if one is not available at your location.

The coverage may also cover Medical Repatriation or the cost of transportation back to the US when your condition improves and you're cleared to travel home. Policies may also include coverage for transporting children home if you are hospitalized for an extended period. Or if you're traveling alone, the coverage may pay to bring someone to your bedside if you have an extended hospital stay.

In the event of a death during a trip, some plans may also include Return of Remains coverage that would cover the cost of bringing back the deceased.

What are some other caveats to keep in mind when pricing travel health insurance?

Pricing can vary somewhat between states, so the state where you reside may affect pricing. And remember, even if you have coverage from a Medigap plan, it can have deductibles, lifetime coverage limits up to $50,000 and limitations on trip length.

If you are traveling in a group, you might ask the sponsor about the availability of group travel insurance. Group plans are designed for easy administration by a group leader, who manages member sign-ups and changes — and the pricing for group plans doesn't change based on a traveler's age.

Thus, for senior travelers, group policies may be more cost-effective compared to nongroup, individual policies. However, individual policies can have higher coverage limits and more options available if travelers want to tailor their coverage.

Related: The Best Credit Cards With Travel Protections

Bottom Line

Buying travel health insurance is complicated under any circumstances because it's difficult to compare products (policies) from different insurers and wade through the fine print. But for older travelers — for whom the costs of insurance tends to be higher and the purchasing options fewer — these decisions can be daunting.

Of course, travelers always need to first understand the benefits and limitations of the health insurance policies they currently have in place (think: Medicare and private health insurance) to determine what additional coverage is necessary to protect their health as well as the financial investment in a trip.

Third-party insurance sites — like TravelInsurance.com , Squaremouth.com and InsureMyTrip.com — can help consumers compare the provisions and costs of different policies and, hopefully, avoid potential landmines.

Comparison sites like these offer consumers the ability to chat online, speak to agents by phone, and/or correspond by email after hours to help answer specific policy questions. In addition, the sites can help connect travelers with insurance providers in the unlikely event of the need to file a claim.

Feature photo by Hero Images / Getty Images.

Over 80 Travel Insurance

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Life begins at 80, right? When you’ve reached this golden age, you’ve amassed a wealth of knowledge, experience, and, most importantly, the time to explore this beautiful world.

But let’s get down to brass tacks: securing travel insurance when you’re over 80 can feel like a bit of a rollercoaster ride.

But fear not, we’re here to make it a breeze, so sit tight, and let’s unravel this over 80 travel insurance conundrum.

In this article...

Why Over 80 Travel Insurance is Crucial

The freedom of retirement often brings the opportunity to travel more frequently or for longer durations. But as we age, the risk of unexpected health issues increases, making travel insurance more important than ever.

Plus, let’s not forget those unforeseen travel hiccups like cancellations, delays, lost baggage, and even emergencies back home that could cut your trip short.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Finding the Right Over 80 Travel Insurance

Navigating the travel insurance market can feel like finding a needle in a haystack, but hold your horses! You don’t have to settle for the first policy you come across.

A bit of due diligence can go a long way in finding the right coverage tailored to your needs.

Pre-existing Medical Conditions Coverage

Traveling the world in your 80s can be one of life’s greatest joys, but it can come with its own set of challenges. One of these challenges is managing pre-existing medical conditions and understanding how they impact your travel insurance coverage.

What is a Pre-existing Condition?

A pre-existing condition is any medical or health condition that existed before the start date of your travel insurance policy. This could be something you’ve received treatment for, taken medication for, or sought advice about.

Conditions could range from chronic diseases like heart disease, diabetes, and arthritis to mental health conditions like anxiety and depression.

In the context of travel insurance for those over 80, insurers consider these pre-existing conditions while evaluating the risk and the potential cost of insurance.

This is because older people are statistically more likely to need medical assistance while traveling abroad .

Declaring Your Pre-existing Conditions

Declaring your pre-existing conditions when applying for your travel insurance is a crucial step.

Honesty is the best policy here, folks. It might be tempting to omit a condition for fear of increasing the cost of your premium, but this could lead to a denied claim when you need help the most.

Be prepared to answer questions about your medical history, current treatments, and medications.

This may include specialist reports and details about hospital visits. Yes, it might take a bit of time and you may need to consult with your doctor, but it’s worth it to ensure you’re fully covered.

Coverage Options for Pre-existing Conditions

The coverage for pre-existing conditions varies greatly among insurers. Some may offer to cover your condition as part of their standard policy, particularly if your condition is under control and hasn’t required recent treatment.

Others may require an additional premium to cover the risk associated with your condition. In some cases, the insurer might exclude your condition from the coverage, meaning you wouldn’t be able to claim costs associated with it.

Travel insurance for those over 80 with pre-existing conditions may require a little more homework to find the best policy.

But remember, the peace of mind knowing you’re covered is worth its weight in gold. After all, you’re in your golden years, and your travels should reflect that.

Yes, it can be a pain to disclose your medical history, but it’s absolutely essential for your travel insurance application.

Full transparency can save you from denied claims and potential financial woes.

We promise it’s less painful than a dentist appointment.

Benefits and Limitations

Just like a good old spy movie, every travel insurance policy comes with its twists and turns.

Know your benefits inside and out, from medical and hospital costs to cancellation and curtailment. But also familiarize yourself with the limitations and exclusions , so there are no nasty surprises.

The Cost Factor

Cost is often a major consideration for those seeking travel insurance over 80. But remember, the cheapest policy might not provide adequate coverage.

It’s like buying a chocolate chip cookie only to find it’s raisin. Make sure your policy provides value for money and covers what you need.

The Best Travel Insurance Plans for Those Over 80

Finding the right travel insurance policy for those over 80 can be a bit like finding a needle in a haystack, but fear not, it’s out there.

The best plans not only cover the basics like trip cancellations, medical emergencies, and lost luggage, but also take into account the unique needs of the seasoned globetrotter.

Here are some recommended travel insurance plans ideal for the over 80 group:

1. VisitCover Senior

VisitCover Senior is a travel insurance policy designed specifically for those over 80.

With generous coverage for medical expenses, including those related to pre-existing conditions, this plan also offers protection for trip cancellations and delays, lost or delayed baggage, and more.

The customer service is top-notch, helping you navigate any obstacles that might crop up during your travels.

2. GlobeTrotter Platinum

GlobeTrotter Platinum is another robust policy providing high medical coverage limits.

It also includes coverage for emergency evacuations – a crucial consideration for those traveling to remote or exotic locations. GlobeTrotter has a solid reputation and a customer service team that goes the extra mile.

3. WanderWell Explorer

WanderWell Explorer offers comprehensive coverage for trip cancellations, medical emergencies, and baggage issues.

This policy stands out for its optional “cancel for any reason” upgrade, giving you the flexibility to change your travel plans without worrying about losing your investment.

4. AdventureShield Diamond

AdventureShield Diamond caters to the more adventurous souls who don’t let age slow them down. Alongside standard coverage, it includes protection for adventure activities, from hiking and biking to ziplining and snorkeling.

If your bucket list still has a few thrill-seeking entries, AdventureShield might be the one for you.

When choosing a travel insurance plan, consider your health, travel itinerary, and personal comfort level. It might be worth paying a bit extra for a comprehensive policy that gives you peace of mind and lets you focus on the fun stuff – experiencing the trip of a lifetime.

Q: Why is travel insurance for those over 80 often more expensive?

Travel insurance premiums rise with age because insurers see older travelers as a higher risk due to increased health issues and medical needs.

Q: Are there any travel insurance providers that specialize in over 80 travel insurance?

Yes, several travel insurance providers specialize in insurance for older travelers. Some may even provide coverage without an upper age limit.

Q: Can I still get travel insurance if I have pre-existing medical conditions?

Yes, but it might affect the cost of your premium, and not all conditions may be covered. Be sure to disclose all pre-existing conditions to your insurer.

Q: What happens if I fall ill abroad without travel insurance?

Without insurance, you could be responsible for any medical costs incurred. This could include everything from doctor visits to hospital stays, medication, and even medical evacuation .

Q: Can I get travel insurance for a single trip or do I need to buy an annual policy?

You can get coverage for a single trip or buy an annual policy, depending on your travel plans. An annual policy may be cost-effective if you plan to travel multiple times within a year

Get Free Consultation

Safe Travels USA Cost Saver

January 24, 2020

Safe Travels USA Comprehensive

January 23, 2020

Patriot Platinum

Visitors Care

Patriot International

Patriot America

January 22, 2020

Patriot America Plus

January 21, 2020

Atlas America

January 16, 2020

Nationwide Prime Travel Insurance Review

September 21, 2023

Nationwide Luxury Cruise Travel Insurance Review

Nationwide choice cruise travel insurance review, nationwide universal cruise travel insurance plan review, nationwide essential travel insurance plan review, all clear travel insurance – all you need to know.

August 4, 2023

CoverMore Travel Insurance: Everything You Need to Know

Staysure travel insurance: everything you need to know, post office travel insurance – everything you need to know, argentina expatriate health insurance – ultimate guide.

August 2, 2023

Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

Opening hours

09.00 - 22.00

09.00 - 18.00

09.00 - 16.00

4422 Flamingo Villas, Ajman Media City, United Arab Emirates

Call Us: +1-972-985-4400

[email protected]

© 2023 VisitCover.com

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar
• Skip to footer

• Best Global Medical Insurance Companies
• Student Insurance
• Overseas Health Insurance
• Insurance for American Expats Abroad
• Canadian Expats – Insurance and Overseas Health
• Health Insurance for UK Citizens Living Abroad
• Expat Insurance for Japanese Abroad
• Expat Insurance for Germans Living Abroad
• Travel Medical Insurance Plans
• Annual Travel Insurance
• Visitors Insurance

Top 10 Travel Insurance Companies

• Evacuation Insurance Plans

Trip Cancellation Insurance

• International Life Insurance
• Corporate and Employee Groups
• Group Global Medical Insurance
• Group Travel Insurance
• Group Life Insurance
• Foreign General Liability for Organizations
• Missionary Groups
• School & Student Groups
• Volunteer Programs and Non-Profits
• Bupa Global Health Insurance
• Cigna Close Care
• Cigna Global Health Insurance
• Cigna Healthguard
• Xplorer Health Insurance Plan
• Navigator Student Health Insurance
• Voyager Travel Medical Plan
• Trekker Annual Multi-Trip Travel Insurance
• Global Medical Insurance Plan
• Patriot Travel Insurance
• Global Prima Medical Insurance
• Student Health Advantage
• Patriot Exchange – Insurance for Students
• SimpleCare Health Plan
• WorldCare Health Plan
• Seven Corners Travel Insurance
• SafeTreker Travel Insurance Plan
• Unisure International Insurance
• William Russell Life Insurance
• William Russell Health Insurance

Atlas Travel Insurance

• StudentSecure Insurance
• Compare Global Health Insurance Plans

Compare Travel Insurance Plans

• Health Insurance in the USA
• Health Insurance in Mexico
• Health Insurance in Canada
• Health Insurance in Argentina
• Health Insurance in Colombia for Foreigners
• Health Insurance in Chile
• UK Health Insurance Plans for Foreigners
• Health Insurance in Germany
• French Health Insurance
• Italian Health Insurance
• Health Insurance in Sweden for Foreigners
• Portuguese Health Insurance
• Health Insurance in Spain for Foreigners
• Health Insurance in China
• Health Insurance in Japan
• Health Insurance in Dubai
• Health Insurance in India
• Thailand Health Insurance
• Malaysian Health Insurance for Foreigners
• Health Insurance in Singapore for Foreigners
• Australian Health Insurance for Foreigners
• Health Insurance in New Zealand
• South Africa Health Insurance for Foreigners
• USA Travel Insurance
• Australia Travel Insurance
• Mexico Travel Insurance
• News, Global Health Advice, and Travel Tips
• Insurance Articles
• Travel Advice and Tips

Best Travel Insurance for Seniors

• Best Hospitals in the United States
• Best International Hospitals in the UK
• Best Hospitals in Mexico

Or call for a quote: 877-758-4881 +44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Best Insurance for Older Travelers

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

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

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

What Coverage Do I Need as a Senior Traveler?

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

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

Read: Travel Medical Insurance Overview

What Are the Best Travel Insurance Plans for Seniors

Through research and experience, we have compared senior travel insurance plans that work best for seniors traveling abroad.

Blue Cross Travel Insurance:  An excellent option for U.S. Citizens - Learn More | Free Quote / Buy

Trawick Safe Travels USA: A great choice for visitors to the U.S. - Learn More | Free Quote / Buy

IMG Patriot Platinum : The best plan for internationals - Learn More | Free Quote / Buy

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

Senior Travel Insurance Plan Daily Rates

Rates were last updated on March 18, 2024

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

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

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

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

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

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

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

GeoBlue Voyager Plan

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

Budget Friendly Travel Insurance for U.S. Seniors

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

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

This senior travel insurance plan includes the following benefits:

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

For pricing and coverage: Request a GlobeHopper quote

Travel Insurance for Older Visitors to the U.S.

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

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

Acute onset of pre-existing conditions is included in the Trawick Safe Travels USA Comprehensive plan. Benefits are payable up to the maximum policy limit purchased.

Request a Quote for Trawick Safe Travels USA

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

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

Travel Insurance for Seniors 65-80+ for Travel Excluding the U.S.

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

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

The IMG Patriot Platinum International plan is a great option for seniors seeking medical coverage while traveling outside of their home country but will not be in the US. IMG Patriot Platinum International does not provide coverage inside the U.S.

Patriot Platinum offers a policy maximum of $2,000,00 to seniors up to age 69, $100,000 to seniors 70-79, and $20,000 to seniors 80 and older.

Patriot Platinum Travel Insurance

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

Travel Insurance for Over 70 Years Old

For seniors aged 70 or older, there are additional considerations when buying travel insurance plans. Personally, you may have different priorities that you are looking for in your coverage. For plan benefits and costs, you will find increasing limits on the coverage benefits (lower medical benefits per trip) and increasing costs. Please review the table above for specific costs estimates and coverage limits.

Best Travel Insurance for Seniors Aged 70+

For US Citizens Traveling Abroad

For Travel to the USA or Globally

Benefits of Overseas Travel Medical Insurance for Seniors

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

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

Overseas Medical Insurance can guarantee coverage for any sudden injuries or accidents, and it can also ensure compensation if you need to interrupt your trip.

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

Travel Insurance Options for Seniors

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

Best Trip Cancellation Insurance for Seniors Going Abroad

Trip cancellation coverage provides the same great coverage found in a senior travel insurance plan, along with the additional benefit of covering your travel costs should you have to cancel your trip.

Trip Insurance Plan for U.S. Seniors Traveling Abroad

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

Travel Medical Insurance for Seniors

Coverage with travel insurance if you are over 65.

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

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

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

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

Related: Staying Healthy While Traveling as a Retiree

How to Compare and Buy the Right Plan

Most travel insurance companies provide basic – and sometimes limited – plans for seniors, with some simply covering them under their regular plans. Before applying for senior travel insurance, check which age bracket you fall under for specific plans. Age is a significant factor in determining premiums and benefits.

Next, you will need to confirm that your travel insurance plan covers the countries where you will be traveling. Some plans may only provide coverage in select countries.

Another thing to remember when buying senior traveler insurance is the maximums and deductibles of the plan. Some travel insurance companies offer reduced maximums or higher deductibles, depending on your health condition. The higher the risk that you will claim coverage, the more expensive the insurance plan will be.

There are three basic types of travel insurance that you need to know: emergency medical coverage, trip cancellation insurance, and 24-hour telephone assistance. Know the difference between each one to identify which is the best fit for your needs. Focus on the fine print and check the exceptions, exclusions, and free-look period of the policy.

We recommend that you compare the best travel insurance for seniors listed here and review the plans. It is advisable to get a free quote from us using the links above.

Make sure you compare possible plans side-by-side to get the best deal suited to your needs. Buying senior travel insurance can be time-consuming, but it does not have to be stressful. If you have questions that need clarifications, you can contact us, and we will be happy to guide you.

Our Recommended Travel Insurance Plans for Older Travelers

Atlas Travel Medical : Great for International / Non-U.S. Citizens - Learn More | Free Quote / Apply

Globe Hopper Senior Plan: Affordable plan for U.S. Citizens on Medicare A&B - Learn More | Free Quote

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

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

• Older travelers insurance
• Above 80 years

Best travel medical insurance for seniors over 80 years

As you grow older the risk of unexpected medical emergencies increase and even a minor illness can lead to hospitalization. While traveling overseas, travel health insurance for over 80 years old is important to protect seniors from huge medical bills. Visitor insurance for parents over 80 to USA are available and even offer travelers above 80 years pre-existing conditions coverage. We also have traveler insurance for 90+ years. Compare US travel health insurance over 80 years quotes and buy travel health insurance for seniors over 80 years online.

Compare best travel insurance for seniors over 80+ Years, Best travel insurance for over 85

Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Travel Medical USA Visitor Basic (by Seven Corners)

• This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
• Ideal for Non US citizens visiting USA
• This plan is cheap and affordable visitor medical insurance.
• For people from 80 to 99, the policy maximum options available are $50,000 and $100,000 per injury/illness.
• If plan is purchased for 5 or more days are eligible for renewal however the total number of days cannot exceed 364 days.

Travel Medical USA Visitor Choice (by Seven Corners)

• The medical maximum options available are $50,000 and $100,000 per injury/illness.
• Renewable up to 3 years

VisitorSecure (by WorldTrips)

• Ideal for travelers outside their home country
• $50,000 lifetime maximum
• This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
• This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.

Visitor Care (by IMG)

• Ideal for Non US citizens outside their home country
• $10,000 coverage per plan life
• Optional coverage for pre-existing conditions rider for heart attack or stroke up to $2,500

Visit USA (by Travel Insure)

• Ideal for Non US citizens visiting USA.
• Covers pre-existing conditions up to $2,500.
• The minimum period of coverage is 5 days, maximum is 364 days.
• Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense

INF Premier (by INF)

• This plan is available for Non US citizens and the US citizen expatriates visiting the US.
• Full pre existing insurance with coverage for doctor appointments, blood tests, special care, urgent care and hospital stays.
• Non US citizens and expats visiting the US are eligible for this plan.
• Pre existing coverage of $15,000/$25,000 for age 70 -99 with deductible options of $1,000 and $5,000 are available
• Policy maximum options for the plan is $100,000 with deductible options of $250; $500; $1,000; $2,500; $5,000.
• Premier plan Covid travel insurance covers medical expenses from Coronavirus.
• The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Standard (by INF)

• Non US citizens and US expats eligible for the plan.
• Covers all age groups including above 80 for any new sickness and injury.
• Policy maximum options of $50,000 and $100,000 are available.
• Deductible options of $250; $500; $1,000; $2,500; $5,000 are available.
• Standard plan Covid travel insurance covers medical expenses from Coronavirus.

Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Safe Travels USA Comprehensive (by Trawick International)

• Available up to the age of 89 years
• Covers acute-onset of pre-existing conditions up to $15,000 except for any coverage related to cardiac disease or conditions
• Safetravelscomprehensive plan Covid travel insurance covers medical expenses from Coronavirus.

Atlas America (by WorldTrips)

• $10,000 coverage per certificate period

Patriot America Lite (by IMG)

• This plan can be renewed for up to 2 years.
• Patriot America Lite offers coverage for adventure sports and other sports activities.

Patriot America Plus (by IMG)

• This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.

Intermedical (by Travel Insure)

• Ideal for travelers outside their home country and outside USA
• Satisfies Schengen Visa Requirements

Diplomat America (by Global Underwriters)

• Ideal for Non US residents to USA
• $20,000 coverage
• 24 months waiting period for pre-existing condition
• Diplomat America Covid travel insurance covers medical expenses from Coronavirus.

Diplomat Longterm (by Global Underwriters)

• Ideal for US citizens and Non US citizens outside their home country
• $20,000 coverage per certificate period
• Covers unexpected recurrence of a pre-existing conditions up to $2,500 for US citizens only
• Diplomat Longterm Covid travel insurance covers medical expenses from Coronavirus.

Patriot International Lite (by IMG)

• Ideal for US citizens travelling outside the US
• Covers pre-existing conditions up to $2,500

Patriot Platinum (by IMG)

• Ideal for US citizens and Non US citizens
• Patriot Platinum Covid insurance for USA offers coverage for coronavirus as a covered medical expense

Travel Medical Basic (by Seven Corners)

• Including USA
• Excluding USA
• Ideal for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
• For ages 80 years and over, the policy maximum option of $10,000 is available.
• The age availability is 14 days to 80+years.
• The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.

Travel Medical Choice (by Seven Corners)

• Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
• Satisfies Schengen visa requirements
• Ideal for Non US citizens outside their home country to USA

Visit USA Superior (by Travel Insure)

Atlas premium america (by worldtrips), atlas premium (by worldtrips).

• Ideal for US citizens travelling outside US

Atlas International (by WorldTrips)

• Ideal for travelers travelling worldwide except US and Canada

Diplomat International (by Global Underwriters)

• Ideal for travelers outside their home country but not to USA
• Diplomat International Covid travel insurance covers medical expenses from Coronavirus.

GlobeHopper (by IMG)

• Ideal for US citizens and US permanent residents travelling outside US
• Must be qualified for Medicare, actively enrolled in Medicare Parts A & B
• It require a separate application for individuals over 70 years

INF Elite (by INF)

• Full pre existing coverage plan for Non US citizens visiting the US including doctor appointments, blood work, special care, urgent care, hospital stays...
• Pre existing conditions covered for maximum of $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
• Minimum purchase of at least 3 months is required.
• Elite Plan Covid travel insurance covers medical expenses from Coronavirus.
• The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Safe Traveler USA (by INF)

• Best coverage for travelers coming to the US and Canada.
• Covers any new sickness and injury and is a comprehensive coverage for age of up to 99.
• Policy maximum options of $75,000 is available with a deductibles $50; $100; $250; $500; $1,000; $2,500; $5,000.
• INF Traveler USA Covid travel insurance covers medical expenses from Coronavirus.

Visitors Protect (by IMG)

• This plan is available for visitors traveling from their home country to the U.S., Canada, and Mexico
• It is a comprehensive benefit insurance plan.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Maximum limits from $50,000 to $250,000.
• Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.

INF Elite 90 (by INF)

• Covers 90% of eligible medical expenses.
• COVID-19 medically necessary testing & treatment covered as any other new sickness.

Compare visitors medical insurance for pre-existing conditions

Travel insurance over 80 years old with pre existing medical conditions.

There are some travel insurance for over 80s available, however, many of them exclude pre-existing conditions. This means that a travel insurance will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel insurance for 80 years that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some cheap travel insurance for seniors over 80 like Atlas America , Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

Testimonials - From Our Customers

I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get... Know more »

Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was... Know more »

Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company ... Know more »

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for Hypertension

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, best seniors travel insurance for over 80 years, over 80 years travel insurance.

International travel has slowly started again after the complete lockdown due to the pandemic. However given the health risks for older travelers in light of the pandemic, it is very important to have visitors insurance for parents and senior travelers over 80 years. Senior Citizens can buy holiday insurance over 80 years by comparing travel insurance for the elderly over 80.

In the seniors travel insurance for over 80s facility, we also allow you to compare travel insurance over 85. Within our display comparing best over 80s travel insurance, we have a "filter" option for Senior citizens travel insurance over 80s with pre-existing conditions. Based on the travel insurance requirements for seniors we display the available travel medical insurance for seniors over 80s plans from top rated US insurance providers.

Older travelers insurance - FAQs

01.  is there travel medical insurance for seniors over 70 from usa.

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

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

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

03.  Can I find cheap travel insurance for seniors over 70?

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

04.  How can I compare different travel medical insurance for seniors over 70?

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

• The maximum medical coverage available for the age of the traveler
• The cost of insurance and deductible and co-insurance expenses
• The Preferred provider organisation (PPO) network of the insurance provider and user reviews
• The coverage for pre-existing conditions and any exclusions and limitations of the policy
• The customer assistance and emergency helpline of the insurer

05.  How important is the visitors insurance for parents over 70?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

• Medical expenses due to illness or injury
• Trip cancellation or interruption due to unforeseen reasons
• Loss or delay of baggage or personal belongings
• Passport or travel document theft or loss
• Emergency evacuation or repatriation
• Legal liability or personal accident
• Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

06.  How much is travel insurance for 70 year old cost?

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

• The age and health of the traveler (older the traveler, higher the cost)
• The destination and duration of your trip (cost in US is most expensive)
• The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
• The deductible and co-insurance of the insurance
• Any add-on benefits (pre-existing conditions coverage etc.. cost more)

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus ) Sleep Apnoea.

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

• Latest I -94
• Health attestation form
• Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 plans that travel insurance with pre existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers best health insurance for visitors to USA with pre-existing conditions, including the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 . These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan , INF Elite 90 plan and INF Elite Plus plan .

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%. The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period. INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

You can apply for INF insurance online through American Visitor Insurance . You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

The maximum length of coverage for INF insurance is 364 days.

INF insurance is available for international visitors to the United States, Canada or Mexico.

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

There is a minimum purchase of 90 days required to buy these INF Elite plans.

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus , INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions. Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.

18. Can you get travel insurance if you are over 80? Do you have holiday insurance for over 80 year old travelers?

It is nice to see more seniors traveling both within the US and overseas, and it is important to have travel insurance for seniors over 80. To answer the question whether there is senior travel insurance for over 80 year old travelers - Yes, one can get US travel health insurance for over 80 years old travelers, however the coverage is limited and the price is quite expensive. Unfortunately there are no cheap travel insurance for seniors over 80, with even the limited fixed benefits senior travel insurance for 80 year olds to usa being quite expensive. Senior citizen travelers are encouraged to compare different visitors insurance for parents over 80 to usa plan options both for the price as well as coverage benefits before buying a US travel insurance for 80 year olds.

19. How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

20. Why is USA travel insurance for over 80s years so expensive? Why is travel medical insurance for seniors over 80 exorbitant?

There is no denying that travel insurance for the elderly over 80 years to USA is unfortunately extremely expensive. The main reason for this is that the cost of US healthcare is very expensive and the over 80 travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance over 80 plans to be very expensive is that there are specially designed travel insurance for over 80 years old travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

21. How to choose the best travel insurance for the over 80s?

Older travelers over 80 years have their own specific requirements for seniors travel insurance during international travel. It is important to know what is covered in travel insurance and what is excluded. There is no one best insurance that fits the needs of all travelers, so being well informed is very important. The decision of the best travel insurance for the over 80s depends on factors like the policy maximum, coverage for pre-existing conditions, look back period, coverage for trip interruption, and many more benefits. It also depends on the type of plan and the flexibility in the coverage. It is always recommended to choose comprehensive plans for their flexible coverage. The age of the traveler plays an important role in determining what is the best travel insurance for the traveler since older travelers are more vulnerable to healthcare needs while traveling outside their comfort zone.

22. What are the benefits of travel insurance for 80+ travellers?

80+ Travel Insurance is necessary to cover any medical expense incurred from unexpected sickness and injury when senior travelers are outside their home country. The importance has increased even more after the Covid pandemic and the Ukraine war and now most travel insurance plans provide coverage for Covid-19. Travel Insurance plans provide other important benefits like Medical Evacuation, Repatriation, and coverage for the acute onset of pre-existing conditions.

23. What happens if a older traveler above 80 years gets sick in USA?

Senior citizens aged 80 years and above can use Urgent Care clinics, make appointments at a doctor's office or go the hospital, if needed. However, seniors will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting the best travel insurance for seniors or US older tourist health insurance plan for the full duration of their stay in the USA.

24. Does US travel insurances for 80+ cover pre-existing conditions?

While most US travelers insurance plan do not cover pre-existing conditions, however some US travel insurance plans for 80+ cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.

25. How can I compare different travel medical insurance for seniors over 80?

Older travelers can easily compare different travel insurance over 80 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

26. How important is the visitors insurance for parents over 80?

27. how much is travel insurance for 80 year old cost, senior citizens international travel tips, what is the best us visitors insurance with pre-existing conditions coverage.

The best US visitors insurance with pre-existing conditions coverage is listed here:

• The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
• Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
• Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years. The plan provides acute onset of non-chronic pre-existing conditions coverage..
• Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
• Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
• Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Visitors Insurance for Senior citizen to USA Travel Insurance Links

US Travel medical insurance for older travelers

Visitor medical insurance for travelers above 60 years

Visitor medical insurance for travelers above 65 years

US Visitors insurance for travelers above 70 years

Visitor medical insurance for travelers above 75 years

Visitor health Insurance for travelers above 80 years

US Visitors insurance for travelers above 90 years

Travel Insurance for US seniors

Trip cancellation insurance for us seniors.

Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses ... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.

US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans . US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage .

Trip insurance with Cancel for any reason coverage

While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.

International travel insurance for US seniors with Medicare Coverage

Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.

Travel insurance for US senior citizens

Cruise insurance for senior citizens, acute onset of pre-existing medical conditions, resources for seniors travel insurance for 80+ travelers, travel insurance for seniors over 85.

Travel health insurance for senior citizens.

Medicare Coverage for Senior Citizens traveling overseas.

Older Traveler Insurance, Visitors insurance for elderly

Schengen Visa Insurance or Europe Travel Insurance for Senior citizens

Visitor medical insurance blog for Parents visiting family in the US

US visitor health insurance for seniors visiting USA

Green card holders senior citizen travel insurance

International travel insurance for older US citizens

Us senior citizen travel insurance.

Older US citizens more than 65 years traveling overseas must be aware of travel risk and importance of international travel insurance. These US older travelers should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States. The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.

Travel insurance over 80 years old with pre-existing conditions

Travel insurance for people over 80 years old for pre-existing conditions.

Travel Insurance for over 80 with pre existing medical conditions.

Best travel insurance over 80 years with coverage for Pre-existing Medical Conditions.

Popular travel medical insurance plans which have coverage for pre-existing conditions.

Older travel insurance 80+, visitors’ insurance for over 80 years to US

Older traveler insurance resources

International travel insurance resources for senior citizen travelers while visiting the US.

Factors for older traveler insurance online

Important factors while deciding on the best travel insurance for older travelers.

Types of older traveler insurance online

Understanding different insurance types of older traveler insurance plans online.

Older traveler insurance Claims Procedure

Older traveler insurance online claims process for getting medical care in a hospital.

Popular Older traveler insurance providers

Older traveler insurance for usa categories.

Senior Citizen travel insurance

Senior travelers above 60 years

Senior citizen insurance over 65

Trave insurance 70 years

Senior travelers over 75 years

Senior travelers over 80 years

Senior travelers over 90 years

Pre-existing visitors insurance

Parents visitors insurance for USA

Schengen visa plans for Seniors

•  Call: (877)-340-7910
•  Contact
•  Email

Mon - Fri 9am - 8pm

Sat 9am - 4pm

Sun 10am - 4pm

• 0800 294 2969
• Single Trip Travel Insurance
• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Staycations
• Winter Sports
• Coronavirus
• Business Travel Insurance
• School Trip Travel Insurance
• All No Upper Age Limit Travel Insurance >
• Car Insurance
• Home Insurance
• Smart Luggage
• Life Insurance

Specialist Travel Insurance with no upper age limit

• Angioplasty
• Atrial Fibrillation
• Cardiomyopathy
• High Blood Pressure
• Multiple Sclerosis
• Breast Cancer
• Skin Cancer
• Lung Cancer
• Prostate Cancer
• Crohn’s Disease
• Back Problems
• Osteoporosis
• South Africa
• All Africa Insurance >
• All Asia Insurance >
• The Dominican Republic
• All Caribbean Insurance >
• All Central America Insurance >
• All Europe Insurance >
• Puerto Rico
• All North America Insurance >
• New Zealand
• All Oceania Insurance >
• All South America Insurance >
• Get a Quote
• Airport Hotels & Parking
• Travel Money
• Travel Advice
• Working with Us
• Medical Advice Hub
• Brand Showcase
• Meet The Team
• Careers: Apprenticeship Scheme
• Amend your policy
• Your Questions Answered
• Make A Complaint
• Making a Claim

Travel Insurance for Over 80s

Get your quote for over 80s travel insurance – find cover for hundreds of pre-existing medical conditions, we help you find an over 80s travel insurance policy that provides medical cover for unexpected and unforeseen circumstances – get your quote today..

There is no age limit to living life to the fullest, spending time with loved ones, and seeing the world. At Just Travel Cover, we believe nothing should stand in your way – including Travel Insurance over 80!

It is important to have the right level of Travel Insurance cover when you get to the age of 80, especially if you suffer from any pre-existing medical conditions. We want to ensure help and protection are available if needed during your holiday. Once you’re 80 or over, securing senior-appropriate Travel Insurance with medical conditions can be difficult due to the expensive premiums and limits on cover. Just Travel Cover offers reasonably priced, tailored over 80s Travel Insurance for all ages and hundreds of pre-existing medical conditions. We even offer Cruise Travel Insurance for over 80s! No matter your holiday, we have you covered.

Saving Time and Money on Travel Insurance for Seniors

We offer excellent, advanced over 80s Travel Insurance for seniors and OAPs, covering hundreds of pre-existing medical conditions. All we ask is for you to take a few minutes to complete our online medical screening so we can begin comparing policies. It is a fast, easy, and accurate process, ensuring your Medical Travel Insurance for over 80s quotes are tailored to your age, health and travel necessities. It is crucial that you declare your medical history, including all of your pre-existing medical conditions. If you do not declare all pre-existing conditions, your policy could be void should anything go wrong.

Travel Insurance for Pensioners with Medical Conditions

Our premium Travel Insurance for over 80s covers pre-existing conditions. Some of the medical conditions we offer cover include Heart Conditions, Type 1 and 2 Diabetes, Mental Health conditions and Cancer. We cover hundreds of pre-existing medical conditions.

Over 80 Travel Advice

Compare over 80 travel insurance, over 80s travel insurance faqs.

Frequently asked questions about our Over 80s Travel Insurance deals.

What is Over 80s Travel Insurance?

The older we get, the more important it is to get the right Travel Insurance , but the harder it can be to find, especially if you have pre-existing medical conditions. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

What does over 80s Travel Insurance cover?

If you arrange your over 80s Travel Insurance as soon as you’ve booked your holiday, you will be covered for trip cancellation. That way, if you need to cancel your trip for an insured reason, you’re protected. When you set off on holiday, you can relax knowing you have Holiday Insurance in place. If something should go wrong, know that you’re covered for emergency medical treatment (including for your pre-existing medical conditions ) as well as cover for your baggage should they be lost, stolen or damaged. For an additional premium, we offer smart luggage which offers real-time payments to your bank account should your luggage is delayed or lost.

Where can I go with Travel Insurance that covers the over 80s age group?

It can sometimes be difficult to get Travel Insurance if you’re over 80 and travelling to certain long-haul destinations such as the USA, Canada, or Australia. At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history. The comparison is done for you! Note that all quotations are subject to medical screening.

How much does over 80s Travel Insurance cost?

Our over 80s Travel Insurance policies are personalised to you and your needs. Therefore, the costs will differ depending on your circumstances, destination and length of your trip, as well as how far in advance you arrange cover. It’s important to remember that Travel Insurance for those over 80 is there to cover unforeseen costs like medical expenses, should you need emergency treatment on holiday. These bills can easily run into the thousands, and it’s reassuring to know you have adequate Travel Insurance for your age and medical conditions in place. For most quotations, we will provide a bronze, silver and gold level of cover so that you have the option to compare and take a policy to best suit your needs and budget.

Can I get Travel Insurance if I’m over 80 with a heart condition?

Yes, we have insurers on our panel with no age limit that specialise in Over 80s Travel Insurance for pre-existing medical conditions , including heart conditions such as angina or an irregular heartbeat. We can also provide over 80s Travel Insurance if you have had a heart attack. To get adequate cover, you need to declare your conditions during the medical screening process and answer the questions honestly.

Can I get Travel Insurance over 80 with diabetes?

Yes, we specialise in over 80s Travel Insurance for the elderly and all pre-existing medical conditions, including travel cover for type 1 and type 2 diabetes . When getting a quote online or over the phone we will ask you a few questions regarding insulin and hospital visits as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 80 and living with cancer?

It is our aim to help you find Travel Insurance at any age, including if you’re over 80, and living with pre-existing medical conditions, including cancer. We have policies with no age limit (single trip) and are able to provide cover for most types of cancer, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the cover you need.

If I’m over 80 can I get Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. When getting a quote online, you may be prompted to call us so we can explain the options for each insurer on our panel and provide the option to include or exclude these conditions. Our policies have up to £15m medical cover so you can travel safely knowing that you’ve got the right support if the unexpected happens. Find out more on our pre-existing medical condition page.

What options are available for life insurance for over 80 year olds in the UK?

Life insurance policies for individuals over 80 can vary, with options ranging from whole life to term insurance. It’s important to compare policies to find one that meets your specific needs and budget. At Just Travel Cover, we have partnered with the UK’s number 1 rated Life Insurance experts, iam|INSURED. They provide guaranteed life insurance if you are between 50-80 years old. Visit our life insurance page and see if there is a policy for you. Please note that over 80s life insurance is not the same as Travel Insurance, and you still need to take out a Travel Insurance policy when going on holiday.

What should old age pensioners (OAPs) consider when looking for Travel Insurance?

When seeking Travel Insurance for OAPs or old-age pensioners, you should consider a Travel Insurance policy that covers pre-existing medical conditions, an adequate cancellation cover that exceeds all expenses of the trip, and high medical cover with repatriation included. At Just Travel Cover, we will ask you a series of questions and then only show you policies that match your travel requirements, including Travel Insurance for OAPs policies tailored towards pensioners over 80.

Can I get Travel Insurance without medical cover?

No, medical cover is a crucial part of Travel Insurance, especially for travellers with pre-existing medical conditions or old age pensioners (OAPs) and those going to destinations where healthcare is expensive. At Just Travel Cover, we can offer emergency medical expenses and repatriation up to £10 million per person.

It is important to secure over 80s Travel Insurance with medical cover, as even in countries where medical expenses are covered by a UK GHIC or UK EHIC card, it is not a replacement for Travel Insurance. For example, the card will not cover being flown back to the UK (medical repatriation), treatment in a private medical facility, or ski or mountain rescue.

If you are holidaying in the UK, Staycation Travel Insurance can provide cover against loss or theft of baggage, cancellation, and curtailment.

Are cruises a good option for holidays for over 80s?

Cruises can be an excellent option for holidays for over 80s, as they offer a variety of onboard amenities and the chance to explore multiple destinations in a comfortable, accessible manner. Many cruise lines cater to older travellers with specific needs. Visit our Senior Cruise page for tips on cruise holidays over 80. 

Why Choose Travel Insurance for Over 80 Year Olds from Just Travel Cover?

At Just Travel Cover, we specialise in providing Medical Travel Insurance with no upper age limit and cover for pre-existing medical conditions (terms apply).   With our Travel Insurance for seniors with pre existing conditions, travellers over 80 can benefit from:

• Single trip cover up to 94 days with no upper age limit
• Hundreds of pre-existing medical conditions, including terminal prognosis covered
• High levels of cancellation and emergency medical expenses cover
• Lost documents, baggage, medications, and medical aids cover
• Flexibility – 3 levels of cover to suit your needs
• Travel companions can be included in the same policy
• Zero excess policies available

Travel Insurance for Over 80s – What Are You Covered For?

• Cancellation/ curtailment up to £12,500
• Missed departure up to £1,000 per person
• Baggage up to £3,000 per person
• Emergency medical expenses and repatriation up to £10 million per person
• Mobility aids up to £2,500 per person
• Lost medications and medical aids up to £300 per person
• 24/7 emergency medical assistance

Please note all cover limits are per person and vary by insurer.

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

Travel Insurance for Over 80s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for pre-existing medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Just some of the pre-existing medical conditions we cover:

• Heart Conditions
• Cholesterol
• Joint Problems (arthritis, back pain)
• Mental Health Conditions
• Liver Conditions
• Breathing Conditions
• Circulatory Conditions
• Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your pre-existing medical conditions in full and we will do the rest.

Fast, Easy, and Accurate Online Medical Screening

Our quick and easy online medical screening will take you just a few minutes to complete and allows you to compare Over 80s Travel Insurance policy quotes. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel Insurance quotes tailored to your health and travel requirements. Please have the following at hand:

• Your medical history with important dates
• Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

Our Latest News

Travel Insurance Checklist – Everything you need to know

Mar 20, 2024 | Blogs

We know that Travel Insurance can be complex especially for those who have pre-existing medical conditions, so we have pulled together our go-to...

Travel Insurance for Kidney Disease

Mar 13, 2024 | Blogs

Travel Insurance for Kidney Disease This March marks World Kidney Day and we're joining in to help raise awareness of kidney disease. We know that...

6 ways to improve your kidney health – World Kidney Day 2024

Mar 13, 2024 | Blogs , News

We are joining in with World Kidney Day 2024 to help raise awareness of kidneys, why they are important and how to improve your kidney health. It’s...

Compare prices in minutes

Copyright © 2023. Just Travel Cover

• Travel Tips Advice
• Compare Travel Insurance
• Pre-Existing Medical Conditions
• Holiday Home Insurance

Customer Services

• Opening Times

Victoria House, Toward Road, Sunderland, SR1 2QF

Call: 0800 294 2969

Monday - Thursday 9am - 6pm, Friday 9am - 5.30pm

Buy with Confidence

Secure Payments

UK Call Centre

Leading Broker

Justtravelcover.com is a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) number 610022 for General Insurance Distribution activities. Registered in England. Company No 05399196, Victoria House, Toward Road, Sunderland SR1 2QF. Our services are covered by the Financial Ombudsman Service. If you cannot settle a complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk/

Privacy Overview

24/7 Emergency Assistance and Coverage for Stable Pre-Existing Conditions Disclaimer 2

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance.

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expenses Disclaimer 1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions Disclaimer 2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possible Disclaimer 3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

Other Ways to Buy

Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

View Legal Disclaimers Hide Legal Disclaimers

• no new treatment, new medical management, or new prescribed medication; and
• no change in treatment, change in medical management, or change in medication; and
• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
• no new test results or test results showing a deterioration; and
• no investigations or future investigations initiated, or recommended for your symptoms; and
• no hospitalization or referral to a specialist (made or recommended).

Don't let a dream vacation turn into a nightmare. Here are some travel tips for older adults

DEAR SAVVY SENIOR: What tips can you offer retirees with health issues who are planning some trips? We’ve been looking forward to traveling again after staying home the past few years, but my husband has a heart condition and some back problems that worry me.

— Concerned Wife

More: Savvy Senior: If you're planning a trip with your grandkids, here are some tips

DEAR CONCERNED: A dream vacation can turn into a real nightmare if you get ill or injured while you’re away and aren’t prepared. Before setting out, here are some tips to help ensure a safe and healthy trip for you and your husband.

Get prepared: Before you go, talk with your doctor about your travel itinerary and what precautions you need to take before traveling. You should also have your doctor’s contact information with you when you travel, as well as a list of the medications you’re taking in case you need emergency medical care while you’re away.

It’s also a smart idea to locate health clinics or urgent care facilities near the areas you’re visiting. Your hotel can help you with this or a simple internet search can identify nearby health care services. If you’re traveling abroad, the U.S. Consulate or Embassy in the countries you’re visiting (go to step.state.gov to enroll your trip) is a good place to get a referral. Or use the International Society of Travel Medicine’s directory at ISTM.org.

If you’re traveling outside the U.S., you also need to find out the health conditions of the country you’re visiting and what, if any, vaccinations and/or preventative medications are recommended. See CDC.gov/travel or call 800-232-4636 to get this information.

Check your insurance: If you have private health insurance or a Medicare Advantage plan through an HMO or PPO that covers in-network doctors only, check your plan to find out what’s covered if you need medical care when traveling outside your geographic area.

Beneficiaries that have original Medicare are covered everywhere in the U.S. But if you’re traveling abroad, you won’t be covered outside the U.S. and its territories except in rare circumstances, although some Medicare Advantage plans and some Medigap supplemental policies do provide limited coverage. Most private health plans don’t pay health care costs outside the U.S. either. Be sure to check.

Many retirees traveling abroad purchase travel insurance with medical coverage, which may cover expenses if you cancel the trip, need to be treated while traveling or need to be evacuated for medical care. Make sure the policy will also cover your preexisting medical conditions. To shop and compare policies, go to TravelInsurance.com, InsureMyTrip.com or SquareMouth.com.

Organize your medications: Make sure you have a sufficient supply of medications to last the entire trip.

More from Savvy Senior: Here are some tips on helping keep older drivers safe on the roads

If traveling by air, you need to pack your medicine in your carry-on bag, so if your checked luggage gets lost or misdirected you won’t be without. It’s best to keep your medications in their original containers to get through airport security without delays. It’s also a good idea to bring along a note from your doctor that explains why you take these medications, especially if syringes or other medical supplies are involved.

For airport security requirements, go to TSA.gov — click on “Disabilities and Medical Conditions.” You can also call TSA Cares at 855-787-2227 before traveling with questions about screening policies, procedures and what to expect at the security checkpoint.

Maximize technology: Keep a list of your medications and other important health and medical information handy on your smartphone so you can easily access and share it with emergency health care providers when you’re traveling. Some good apps that can help with this are Backpack Health (BackpackHealth.com) and Capzule (Capzule.com).

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or go to SavvySenior.org. Jim Miller is a contributor to the NBC "Today" show and author of “The Savvy Senior” book.