international travel insurance for over 80

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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 3158 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.

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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.

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About Christine Krzyszton

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

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Travel Insurance

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

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

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.

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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

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January 21, 2020

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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-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.

• 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.

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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.

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The Best Senior Travel Insurance Companies of 2024

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

After researching and rating 20 travel insurance companies and over 40 plan options, the MarketWatch Guides team found that Faye offers the best senior travel insurance.

Based on our quotes, travel insurance plans for seniors are usually more expensive than for younger customers because companies assume an increased risk of health incidents and more costly medical expenses. We at the MarketWatch Guides team researched nearly two dozen travel insurance companies to identify the best in the industry.

Top 9 Best Senior Travel Insurance Companies of 2024

Here are our picks for the top travel insurance companies for U.S. seniors. All companies we’ve ranked as our top picks offer pre-existing conditions coverage or a waiver.

• Faye: Our top pick for seniors
• Travelex : Our pick for families
• Berkshire Hathaway Travel Protection : Our pick for luxury travelers
• Nationwide Travel Insurance : Our pick for cruise travel
• Generali Global Assistance : Our pick for emergency assistance
• AXA Assistance USA : Our pick for leisure travelers
• Seven Corners Travel Insurance : Our pick for international travelers
• HTH Travel Insurance : Our pick for group travel
• International Medical Group : Our pick for medical coverage

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies for Seniors

It’s important to balance coverage with cost when searching for a senior travel insurance policy to ensure you get the best deal possible. See the table below for the average cost of a travel insurance plan based on quotes we gathered from our top company picks. We’ve also included our recommended plans for seniors and Better Business Bureau (BBB) ratings across each provider.

* Average costs are based on quotes our team gathered from each provider using four different traveler profiles, ranging from 70 to 81 years old.

The Best Senior Travel Insurance Detailed

Pros and Cons

Why we picked faye for senior travelers.

We chose Faye as our top pick for senior travelers. While it offers only one plan, the company includes $250,000 worth of primary medical coverage on all its policies and has a pre-existing conditions waiver to help seniors cover chronic medical conditions. To qualify for this pre-existing coverage waiver, you must purchase your policy within 14 days of your initial trip deposit and be medically able to travel at the time of plan purchase. Faye’s policies also provide $500,000 in emergency medical evacuation coverage, which older travelers may require if they have a complex health condition or are in a remote area.

Coverage and Cost

Faye offers the following add-on options:

• CFAR coverage
• Rental car damage or theft
• Adventure and extreme sports protection
• Vacation rental damage protection

We gathered quotes directly from Faye to better understand the cost of a travel insurance policy for seniors. Based on the quotes we gathered, the average cost of senior travel insurance is $337.

Why We Picked Travelex for Senior Travelers

Travelex is worth considering for senior travelers because of its primary medical coverage. If you become hospitalized outside of the U.S. , Medicare won’t pay for most injuries and illnesses. A travel insurance plan that offers secondary coverage may leave you with a major medical bill after a serious accident. Travelex’s Travel Select plan allows seniors to upgrade their primary medical coverage with additional medical and emergency evacuation coverage, providing peace of mind while abroad.

You can choose from the following add-on coverage with Travelex:

• Cancel for any reason (CFAR) coverage (up to 75% of trip costs)
• Accidental death and dismemberment (AD&D) and medical benefit upgrades
• Car rental collision

We gathered quotes directly from Travelex to learn more about the average cost of a travel insurance policy for seniors through the company. Based on these quotes, Travelex’s average cost is $585.

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway for Senior Travelers

Berkshire Hathaway’s coverage is worth considering for seniors planning a luxury vacation or group travel, especially if premiums are too expensive elsewhere. In particular, the company’s LuxuryCare policy offers travel protection up to $100,000, ideal for travelers accustomed to more high-end accommodations. Berkshire Hathaway’s policies also include automatic coverage for pre-existing conditions if you buy a policy within 14 days of your initial deposit date.

You can add several coverage options to your LuxuryCare plan within 15 days of your trip deposit:

• Cash advance assistance
• CFAR Upgrade
• Financial default or airline or other transport covered
• Pre-existing medical conditions waiver
• Roadside assistance

We’ve gathered dozens of quotes in our review to better understand the cost of senior travel insurance. Based on quotes collected by our research team from Berkshire Hathaway, the average cost for a senior travel insurance policy is $381.

Nationwide Travel Insurance

Why We Picked Nationwide for Senior Travelers

Nationwide is one of the few travel insurance providers to offer cruise-specific coverage, based on our research, with its policies featuring several inclusions benefitting older travelers. Trip interruption coverage includes up to 200% of your trip cost, and you can qualify for a pre-existing conditions waiver up to 21 days after your initial deposit. While medical limits are lower than most competitors, Nationwide’s general and cruise-specific coverages present a viable option for older travelers.

Nationwide offers the following add-ons, but available coverage may vary by plan.

• AD&D coverage (available on all plans)
• Rental car coverage options (Essential and Prime plans)
• CFAR coverage (Prime Plan, Cruise Choice and Luxury plans)

We gathered quotes directly from Nationwide to better gauge what a travel insurance policy costs for seniors. Based on the quotes collected by our research team, a senior travel insurance plan with Nationwide costs $407 on average.

Generali Global Assistance

Why We Picked Generali Global Assistance for Senior Travelers

We named Generali Global Assistance our pick for emergency assistance, as the provider offers a team of bilingual representatives on standby to assist in an emergency. Generali’s policies include around-the-clock travel assistance, and its Premium plan offers generous medical coverage of up to $250,000. In addition, Generali’s medical coverage does not have a lower cap for dental coverage, a benefit if you experience a dental abscess or another major dental emergency on vacation.

Generali offers fewer add-on options than other insurance providers we reviewed, including:

• Rental car accident insurance (offers up to $25,000 with the Standard and Preferred plans)
• CFAR insurance (available with the Premium plan only)

Note that the Premium plan includes rental car coverage as standard so the add-on is not available to those customers.

We gathered quotes directly from Generali to learn about the cost of a travel insurance policy for seniors. Based on these quotes, seniors can expect to pay $298 for a Generali plan.

AXA Assistance USA

Why We Picked AXA Assistance USA for Senior Travelers

We chose AXA Assistance USA as our pick for leisure travelers. We think AXA is ideal for seniors planning a leisurely trip because of the added benefits it offers, including reimbursement for lost rounds of golf and sporting equipment rentals. Its upper-tier plans include identity theft coverage and 24/7 travel services. It also has the option to add coverage for pre-existing conditions. To benefit from the pre-existing conditions exclusion waiver, you must purchase your AXA Assistance USA policy within 14 days of your initial trip deposit.

AXA offers the following add-on coverage for any travel insurance policy:

• CFAR coverage (up to 75%)
• Collision waiver on a rental car (up to $50,000)

After gathering direct quotes from AXA Assistance USA, a senior traveler can expect to pay, on average, $483 for an AXA plan.

Seven Corners Travel Insurance

Why We Picked Seven Corners for Senior Travelers

As an older traveler, you may focus on comprehensive medical care and evacuation protections when buying travel insurance. Seven Corners offers a broad selection of medical insurance policies, with travelers 65 to 79 years old provided up to $100,000 in medical coverage. Travelers 80 years and older can receive $10,000 in coverage, which is an age many other providers exclude from enrollment entirely. Seven Corners also offers medical evacuation coverage up to $1 million, which can benefit those traveling to a remote area.

With Seven Corners, you can choose from the following add-ons:

• CFAR insurance
• Event ticket registration fee protection
• Interrupted for any reason (IFAR) coverage
• Rental car collision waiver ($35,000 maximum)
• Sports and golf equipment rental coverage

Our research team collected quotes from Seven Corners using various senior traveler profiles. We found that a senior traveler can expect to pay $388 on average.

HTH Travel Insurance

Why We Picked HTH for Senior Travelers

If you’re a senior traveling with a group, you might consider buying coverage through a travel insurance provider offering benefits when you purchase two or more policies at once. HTH Travel Insurance policies have a 10% discount for groups of travelers over the age of 65 and include medical limits of up to $1 million. Nationwide underwrites policies in most areas, and you may qualify for up to 200% of trip interruption coverage and primary medical benefits.

You can add the following coverage to your group insurance plan:

• CFAR insurance (must purchase within 10 days of your first trip deposit)
• Rental car damage (not available in Oregon, New York or Texas)

Based on quotes our research team gathered from HTH Worldwide,  senior travelers can expect to pay $437 on average .

International Medical Group

Why IMG Is Great for Senior Travelers

If you’re looking for more extensive medical coverage, you can find a number of policies available through International Medical Group (IMG). The company has inclusive international policies, with more than five choices and up to $8 million in medical coverage on single-trip plans. It also offers GlobeHopper Senior plans tailored specifically to senior travelers by not enforcing a maximum age restriction. IMG makes it easier for seniors to customize coverage than other companies we’ve researched, allowing you to skip baggage and delay-related coverage if you solely want medical insurance.

Rental car damage and theft coverage, which some companies offer as add-ons, is included with many of IMG’s plans. You can add the following optional coverages:

• Pet kennel (up to $100 per day with a max of $300 per pet)
• Pre-existing condition review

IMG’s medical insurance policies include some exclusions limiting when you can use your coverage. But you can purchase a waiver that extends coverage to medical issues resulting from adventure sports and terrorism.

Based on quotes we gathered from IMG using four different senior traveler profiles, a 70-year-old couple taking a 7-day, $4,000 trip to Mexico will pay around $428 .

How We Ranked the Best Senior Travel Insurance Companies

After reviewing dozens of travel insurance providers, we ranked the best options for senior travelers by cost, coverage and value. The following are the major factors that influenced how we ranked each company:

• Medical expense limits: Companies with higher medical expense limits ranked higher on our list, specifically providers offering medical benefits higher than $250,000.
• Primary medical coverage: Medicare does not cover most medical bills incurred abroad. Companies offering primary medical coverage scored higher than those that only offer secondary coverage.
• Emergency medical evacuation: Not every travel insurance company offers medical evacuation coverage. We ranked companies with at least $100,000 in coverage higher than those with a lower benefit amount or not offering coverage at all.
• Premium costs: Travel insurance is more expensive for seniors because insurance companies consider older adults more likely to run into a medical issue and file an insurance claim. To compare premium costs , we gathered quotes for a U.S. couple taking a trip to the United Kingdom and ranked companies based on average affordability.
• Travel assistance: We ranked companies offering 24/7 travel assistance higher than those with more limited customer service hours.

How Much Does Senior Travel Insurance Cost?

The average cost of travel insurance for seniors is $417. However, seniors can likely expect to pay anywhere from $159 to $745 for a policy. Our team analyzed average travel insurance policy costs for senior travelers by gathering quotes from multiple providers using four different traveler profiles. Based on these quotes, we found the average cost of travel insurance for seniors was about 9% to 18% of their trip’s total value.

See the table below for a breakdown of average policy costs across the traveler profiles we used to gather quotes during our research process.

The table below shows the average cost of senior travel insurance by provider, averaging each of their plan costs for all 4 traveler types highlighted above, from cheapest to most expensive.

Keep in mind your actual travel insurance policy cost as a senior will depend on factors such as your age, total trip cost, level of coverage and more. We recommend gathering quotes from at least three different travel insurance companies before settling on a plan.

How To Pick The Best Senior Travel Insurance

When shopping for senior travel insurance, consider the following tips to pick the right policy for your coverage needs.

Check for Pre-Existing Conditions Waivers

Most travel insurance companies exclude pre-existing conditions from medical coverage. If you’ve had changes in your health before purchasing a policy — such as a new diagnosis or new medication — a company may consider it a pre-existing condition.

Senior travelers with chronic medical conditions or a new diagnosis can see if their travel insurance provider offers a waiver for pre-existing conditions. This waiver can prevent a travel insurance company from denying medical-related reimbursements if you have a pre-existing condition, as it keeps the provider from examining your recent medical records when reviewing a claim.

Angela Borden, a product marketing specialist at Seven Corners, encourages travelers to check on medical coverage if they have pre-existing conditions.

“Contact your insurance provider to be sure you fully understand the pre-existing conditions coverage for the plan you choose,” she said, “being prepared and having the information before you need it in an emergency can make a huge difference.”

Opt for Primary Medical Coverage

If you get your health insurance through Medicare, you may consider travel insurance providers that offer primary (rather than secondary) medical coverage. Medicare does not pay for medical care provided outside the U.S., which can make travel insurance for seniors valuable. Providers like Travelex and Faye are good options for seniors who think they may need international medical care policies with primary coverage.

According to our survey of 1,000 people who have purchased a travel insurance policy in the past, over 60% recommend that a friend buy a comprehensive travel insurance policy that includes medical coverage, cancellations, baggage, etc., over a cheaper policy with less coverage.

Choose a Plan With at Least $100,000 in Medical Coverage

Travel medical insurance can protect you if you need emergency medical care while on a trip. If you’re a senior with a Medicare policy that covers your domestic healthcare needs, your policy likely will not cover medical bills you incur in another country. If you need healthcare services due to a sudden illness or injury, a travel insurance plan with medical coverage can likely protect you financially in an emergency.

We recommend senior travelers obtain at least $100,000 in medical coverage based on our review of travel insurance companies and research into emergency medical expenses. If you experience a serious medical emergency that requires hospitalization, your healthcare bills might add up quickly. Consider your financial situation, the length of your travels and other factors when deciding on the amount of coverage you’re comfortable purchasing.

Get at Least $250,000 in Medical Evacuation and Repatriation Coverage

When traveling to a location without an accessible or strong healthcare infrastructure, the need for medical evacuation increases if you have a severe accident. If you need transport in an ambulance, helicopter or another specialized medical vehicle, medical evacuation coverage can help cover transport-related bills. Repatriation benefits — often included alongside medical evacuation coverage — cover the cost of transporting your remains back to your home country in the event of death abroad.

We encourage senior travelers to consider at least $250,000 in medical evacuation and repatriation of remains coverage. According to Medjet , medical transport costs can range from $30,000 to over $180,000, so you’ll likely want limits that can provide you with peace of mind if you need transport during a medical crisis.

Frequent International Travelers: Consider Annual Travel Insurance

Seniors who plan to travel to multiple destinations over the course of a year might consider an annual travel insurance policy. Annual, multi-destination travel insurance covers multiple trips over a set period — typically 12 months. If you plan on traveling frequently while returning to your home base between trips, this coverage may offer a cost-effective way to protect your travels versus buying multiple single-trip policies for all your adventures. 

Keep in mind that while annual coverage is typically cheaper than buying multiple individual plans, these plans often have lower limits for emergency medical expenses. Consider what’s most important to you in a travel insurance policy before deciding on a single-trip or annual travel insurance plan.

Make Sure You Have 100% Trip Cancellation and Interruption Insurance

Trip cancellation insurance and trip interruption coverage can reimburse prepaid, non-refundable travel expenses if your trip is canceled or interrupted for a reason listed under your policy. Qualifying expenses can include flights, hotel reservations, rental car costs, and prepaid excursions and activities. Ensuring your trip cancellation and interruption coverages provide at least 100% reimbursement can protect your wallet and peace of mind if you experience circumstances beyond your control.

Consider a “Cancel For Any Reason” Coverage Add-On

Cancel for any reason (CFAR) coverage is an add-on worth considering if you foresee canceling your trip for a reason not covered by a standard travel insurance policy. While a typical plan covers cancellations due to a death in the family, hospitalization, military orders or deployment, and more, CFAR coverage allows you to cancel for virtually any reason. If you use your CFAR coverage, you would receive reimbursement up to a set percentage amount of your trip as outlined in your policy.

According to the participants in our study over the age of 54, 60% purchased CFAR coverage, and 19% purchased Interruption for any reason (IFAR) coverage.

How To Save On Travel Insurance

If you’re concerned about the cost of travel insurance as a senior, there are ways to save money. For example, a travel insurance policy with lower coverage limits may suffice if you’re traveling somewhere low-risk to relax versus a more adventurous location.

Or, if you have a credit card with travel insurance benefits such as trip cancellation or trip interruption coverage, you can choose to purchase a separate plan that only includes travel medical coverage. This could be cheaper than a comprehensive policy. If you do not need medical coverage, you can choose to rely on credit card benefits alone to save even more money. 

Keep in mind that cheaper is not necessarily better. Make sure you’re comfortable with lower coverage limits if you choose a cheaper plan and, assuming your policy has lower limits, can pay out of pocket if needed in a medical emergency or other untimely situation. Considering your unique needs as you travel can help you better choose a plan that’s right for you.

What Else Do Seniors Need To Know About Travel Insurance?

The following are some things to consider if you’re a senior considering purchasing traveling insurance.  

• COVID-19 is usually treated as a typical illness: Under most travel insurance policies, COVID-19 is treated the same as any other illness covered under the policy. If you contract COVID-19 on or before your trip, you may be entitled to a reimbursement. However, fear of a new COVID strain does not qualify you for reimbursement under standard travel insurance policies. As a senior, you may want to protect your trip with CFAR coverage if your destination may be at a higher risk of COVID-related complications. 
• Preexisting conditions are often excluded: Senior citizens usually have more health concerns than younger travelers, which is partly why travel insurance costs more as you age. You may be required to provide your travel insurance provider with a list of preexisting conditions before you are approved for coverage. Compare plan options with your health insurance coverage to find the policy that provides you with the best complementary benefits.

Do Seniors Need Travel Insurance?

Deciding on a travel insurance plan as a senior is a personal decision. Considering your travel needs can help make the decision easier, and we recommend asking yourself questions such as these before purchasing a plan:

• Am I traveling to a remote area that lacks a robust healthcare system?
• Does my trip involve multiple connecting flights or destinations?
• Am I worried about unexpected events interfering with my plans?
• Are my non-refundable costs more than I can realistically afford to lose?

If you answer yes to any of the above questions, it could be worth gathering quotes from multiple providers and comparing costs. This way, you can find a plan that suits your needs and budget while providing you with peace of mind.

When To Skip Travel Insurance

Travel insurance may not be worth it for some senior travelers. For example, some countries, such as New Zealand , provide covered emergency medical care for accidental injuries or illnesses, so you may not need travel insurance strictly for medical benefits.

Other instances where you might skip travel insurance include if you booked your trip using a credit card that provides travel benefits. Several credit cards offer travel insurance benefits such as trip cancellation and trip interruption, so check with your credit card provider to see if it provides benefits that align with your needs.

Is Senior Travel Insurance Worth It?

When you compare the price of travel insurance to the price of a potential travel emergency, it usually proves worth the cost. Even if you don’t have a pre-existing medical condition, older travelers are more likely to consider travel insurance plans with medical coverage for a sudden injury or emergency evacuation. Medicare does not cover medical expenses outside the U.S. and U.S. territories. Travel insurance also offers valuable cancellation and delay benefits, potentially saving you thousands in nonrefundable trip costs like your flights and accommodations.

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

Yes, plenty of travel insurance providers offer insurance plans for senior citizens. Some companies that provide trip cancellation and medical evacuation coverage for men and women over 70 include AXA, Berkshire Hathaway and Nationwide. 

What is the best travel insurance for senior citizens?

The best option to buy travel insurance as a senior citizen will vary depending on your unique needs. For example, Generali Global Assistance might be the right plan provider for you if you’re looking for an insurance provider that offers low-priced policies. On the other hand, if you have multiple health conditions and need high maximum limits on medical evacuation coverage, consider companies like Berkshire Hathaway and Nationwide. 

Do I need travel insurance if I have Medicare?

Yes, buying a travel insurance policy event is still a good idea if you have Medicare. Though Medicare might provide you with limited emergency care coverage outside the United States, it will not cover most medical evacuations. It also does not offer any reimbursement for trip costs and expenses not related to medical care. 

Can you get travel insurance with a preexisting condition?

Yes, it’s possible to buy travel insurance with a preexisting condition. However, your travel insurance may not cover injuries, symptoms, or illnesses related to conditions present before the start date of your policy.

Methodology: How We Rate Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

• A 70-year-old couple taking a $4,000, 7-day trip to Mexico
• A 65-year-old taking a $1,200, 5-day cruise in the Bahamas
• A 77 and 81-year-old couple taking a $5,000, 8-day trip to the Dominican Republic
• An 80-year-old taking a $3,000, 6-day cruise in Greece
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

More Travel Insurance Resources

• What Is Travel Insurance?
• What Is Trip Cancellation Insurance?
• What Does Flight Insurance Cover?
• Cancel for Any Reason Travel Insurance
• Travel Insurance for a Mexico Vacation
• Travel Insurance for a Costa Rica Vacation
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have questions about this page, please reach out to our editors at [email protected] .

Other Travel Resources:

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.

The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

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 International Travel Insurance Companies.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

• Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
• Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
• Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
• Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

• Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
• Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
• Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
• Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
• Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
• Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

• Acts of war
• Claims due to air or water pollution
• Claims due to natural disasters
• Epidemics not specifically included in coverage
• Extreme, high-risk sports
• Government regulations or proclamations
• Nuclear radiation and contamination
• Terrorist events
• Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for the Cost
• Generali Global Assistance: Best for Medical
• World Nomads Travel Insurance: Best for Active Travelers
• GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Trip change protector coverage worth up to $500
• Baggage loss and damage coverage up to $1,000
• Baggage delay coverage up to $300 (12-hour delay required)
• Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 100% of the trip cost
• Baggage coverage worth up to $750
• Up to $200 in coverage for baggage delays
• Travel medical expense coverage worth up to $15,000
• Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection
• Up to $2,000 in coverage for sporting equipment
• Up to $500 per person for baggage delays
• Up to $500 per person for sporting equipment delays
• Up to $1,000 per person in protection for missed connections
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation
• Up to $25,000 per person in rental car coverage
• Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellation
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings.

Travel Insurance for Europe: 4 Best Options for 2024

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The Best Travel Insurance for Mexico in 2024

Find coverage options for medical emergencies, travel delays, lost baggage and more.

Does My Health Insurance Cover International Travel?

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

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Travel insurance for seniors over 80

Compare 9 brands that offer travel insurance for over 80s. get covered for pre-existing medical conditions, cruise holidays and covid..

What you need to know

• Many providers offer travel insurance for over 80s. This can include COVID insurance and cover for pre-existing conditions .
• We made a list of travel insurers that can cover you if you are over 80 years old.
• You can also use our travel insurance engine to compare quotes for free.

What is travel insurance for over 80s?

Travel insurance for over 80s works in a similar way to regular travel insurance, but there are some important factors to consider. You can still find travel insurance when you're in your 80s, although it may be more difficult. Some travel insurance policies may have age limits or restrictions on coverage for pre-existing medical conditions, so it's important to read the policy wording carefully and disclose all medical conditions when applying. You can compare policies from multiple insurers with the tool below.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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See over 80s coverage details from multiple insurers

Note: This information was last updated January 2023

Travel insurance for over 80s with pre-existing medical conditions

Pre-existing medical conditions can make it more difficult to get affordable travel insurance. A pre-existing medical condition is one of the following:

• An ongoing medical condition you have
• A medical condition that is currently being (or has been) investigated or treated by a medical professional
• If you take prescribed medicine, or have undergone surgery for a particular condition
• Any condition for which you see a medical specialist.

3 Things to do when you're choosing a policy

1. Disclose all pre-existing conditions

Speak to the insurer's medical examiner and disclose all existing or known conditions. While this may raise your premium, the cost of a potential hospital stay would largely outweigh this small expense. Without full disclosure, you may not be covered if your insurer finds out that you have not been completely honest.

2. Get written evidence

Make sure any cover that you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS. This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.

3. Read the PDS.

Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.

Are there ways to find cheap travel insurance for over 80s?

Travel insurance for over 80s is typically more expensive than it is for younger people, to reflect the added risk of illness and injury for older travellers. But that doesn't mean you can't find cheap travel insurance for over 80s.

Here are 5 things you can do to save money on travel insurance:

Airlines and travel agents usually add hefty commissions on top of the cost of a policy, so you can save money by shopping online and buying cover direct from an insurer.

Adjust your excess

Many insurers give you the option to edit your excess . By switching to a higher excess, you can get a lower premium. Of course, you'll need to make sure you'll be able to afford the excess if you do claim.

Look for discounts

There are often discounts, deals and special offers to help you save money on travel insurance. You could start by looking for online promo and coupon codes .

Buy a joint policy

Travelling with a friend or relative? Instead of purchasing separate travel insurance cover, save money by combining forces to buy a joint policy.

Compare policies

Get quotes from multiple insurers and see how they stack up against one another. Once you've found some policies in the right price range, compare their features to see what's covered and what's excluded.

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Frequently asked questions, can a 90-year-old get travel insurance.

Yes. Travel insurance can insure people up to 99 years old. Insurers including Travel Insurance Saver, SCTI and Tick offer cover for people over 90. Many can also cover pre-existing medical conditions provided you disclose them to the insurer.

What's the maximum age for travel insurance?

It depends on the brand. Some insurers won't cover anyone over the age of 65, while others will consider those over the age of 100 – that includes Tick Travel , Travel Insurance Saver and SCTI .

Is travel insurance more expensive for over 80s?

Yes. After the age of 50, travel insurance tends to get more expensive as you get older. That's because the risk of a claim to the insurer is generally higher.

Can you get travel insurance with a pre-existing condition?

Yes, you can get travel insurance if you have a pre-existing medical condition . However, the level of cover differs between brands. Some will provide travel insurance but won't cover any incidents that occur from your pre-existing medical condition, while others will insure your pre-existing medical condition in exchange for higher premiums.

Are my children and grandchildren covered under my senior's policy?

If you have any dependant children or grandchildren travelling with you, most insurers will cover them free of charge. That's as long as they are under the age of 18 (in some cases 24), are out of full-time employment and are listed on your policy.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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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.

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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.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, travel insurance for over 80s.

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

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Our over 80s travel insurance covers you for all the holiday essentials: medical emergencies, travel delays and cancellations. We have no age limits on our travel insurance and, if you declare any pre-existing conditions, we can cover those too for you. 

What is over 80s travel insurance and how does it work?

Over-80s travel insurance is a type of travel insurance policy that specifically caters to people over the age of 80. This means insuring you for unexpected events during or before your holiday. We’ll also cover any pre-existing medical conditions you declare.

Travel insurance is incredibly important, especially as we get older. You want to enjoy your retirement, not worry about unexpected expenses from holiday hiccups, like hospital trips.

So that’s why we’re here to keep you financially protected when you travel. So you can enjoy your trip without worrying about surprise costs.

What does InsureandGo’s over 80s travel insurance cover?

What’s covered.

All our yearly travel insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We strive to provide the best cover possible,  however, there are some situations no travel insurance will cover. For example:

• Events or reasons to claim which took place before you booked the trip or the insurance was purchased cannot be covered. Insurance exists to cover unexpected events outside of the insured’s control.
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60.
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

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

Trip length

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions.

If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best travel insurance for over 80s

If you’re heading off to do something special, your age shouldn’t stop you. That’s why we offer all sorts of extras for your travel insurance policy. 

• Cruises : Adding cruise cover to your policy protects you against some cruise-specific mishaps, like a missed departure, cabin confinement, or even repatriation back to the UK from the sea. 
• Single trip cover : Just heading abroad once this year? Single-trip travel insurance might be the way to go.
• Golf : Rest assured on your golfing holiday with our golf holiday travel insurance, which covers your equipment, green fees and your golf clubs. 
• Europe or worldwide cover: Taking a once-in-a-lifetime trip with multiple stops? Selecting a travel insurance policy that covers a specific region might help, like our Europe travel insurance or worldwide travel insurance . 
• Extreme sports and hazardous activities: Everyone deserves to have some stress-free laughs on holiday, even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities, but if you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover .

Choose a cover level to suit your travel needs

Travel insurance for over 80s with pre-existing medical conditions.

At InsureandGo, we’re proud to offer travel insurance for medical conditions . Examples of medical conditions we can cover include:

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

It’s important to declare any medical conditions you have before you buy your policy. To find out more, please read our page about travel insurance for medical conditions or take a look at our policy wording documents . 

If you’d rather talk to someone with your questions, then please get in touch with us .

Which destinations are covered by over 80s travel insurance?

We offer over-80s travel insurance policies based on the following destination groupings:

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

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

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

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

How to book travel insurance for over 80s

You should be free to enjoy your time, not bogged down sorting out travel insurance. That’s why we make getting an over-80s travel insurance quote as easy as possible. 

1. Let us know a little info

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

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

2. Get your quote

After you’ve given us all the details we need, we’ll send you over a quote. Once you’ve got the quote, you can either purchase it there and then, or save it for the future.

“If you’re over 80 and booking your next trip, make sure to sort your travel insurance. his protects you against unexpected medical costs, including repatriation back to the UK. Plus, travel insurance for pre-existing medical conditions will also cover any lost medications, so you’re not caught short if you forget to pack something.” Letitia Smith – Travel insurance expert

Our reviews speak for themselves

Don’t just listen to us, listen to the people who have already booked with us.

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Frequently asked questions on travel insurance for over 80s

Can 80 year olds get travel insurance.

Yes, people aged 80 and over can get travel insurance. 

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

What is the maximum age you can insure up to?

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

Will my policy be more expensive if I’m over 80?

The cost of travel insurance policies varies based on a number of factors, including age. Other factors include the destination, trip length, whether you have pre-existing conditions, and if you’re doing any activities while you’re there – such as  golfing . 

Does my over 80s travel insurance change depending on where I’m going?

Yes. Policy premiums are affected by your destination, however this is the same for travellers of all ages. Prices differ because countries have different costs for medical treatment. For example, travel insurance for the USA costs more because medical treatment in America is a lot more expensive than the same treatment in certain European countries.

How long can I travel for if I’m over 80?

You can travel for as long as everyone else! Our policies do have trip limits, but these apply to all travellers, regardless of age. On our single-trip travel insurance , you can be abroad for up to 365 days if you want to!

Our annual multi-trip travel insurance allows you to travel as often as you like, but there’s a maximum number of days for each trip. Budget level policies provide cover for up to 31 days at a time, while Silver or Gold covers you for up to 45 days. Black policies can cover unlimited trips of up to 55 days.

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

The UK Government advises that all UK nationals get the required level of travel insurance before they leave the country. While your Global Health Insurance Card or GHIC (previously EHIC) will cover you for medical expenses directly, it will not cover any additional holiday hiccups, like lost luggage or repatriation back to the UK. 

All British citizens are entitled to a  GHIC. These cards will cover any necessary treatments you may require in Europe. However, these cards do not replace European travel insurance , so make sure you arrange it before you travel.

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

It is considered a pre-existing condition if any person insured on a policy has:

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

Before purchasing travel insurance for medical conditions , you must let us know about any pre-existing conditions you have. Just call us or use our quick and easy online medical screening system.

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

If you don’t declare your pre-existing condition before taking out your travel insurance policy, you will likely find that the entire policy becomes invalid, leaving you responsible for all costs incurred when abroad. This means not only medical bills but also transport to and from the hospital, as well as any other accidents, like lost luggage.

How far in advance should I get travel insurance?

Book your travel insurance as soon as you book your trip . Doing it like this means you’re covered if there are issues ahead of your trip. If you can’t do this straight away, get cover as soon as possible. It’s important to remember that your travel insurance will only be valid if you purchase it before you leave the UK. 

If you’ve booked any activities or excursions while on holiday, make sure you check the wording on your policy to ensure that the insurance covers any risks from these activities.

Who can buy an InsureandGo over 80s travel insurance policy?

All our over 80s travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our over 80s travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

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

Travel insurance reviews

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

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance For Over 80s

We cover all pre existing medical conditions and much more:

• No upper age limit
• 24/7 emergency medical helpline
• Specialist cover for over 80s

Over 80s Travel Insurance is designed to ease the worries and uncertainties you may have when travelling in the later stages of life. This includes specialised medical cover for pre-existing conditions, as well as medical emergencies, ensuring travellers over 80 can enjoy their getaways with peace of mind.

What is Over 80s Travel Insurance – and do you need it?

Over 80s Travel Insurance is designed to cover you for a variety of risks related to travelling at an older age. As Medical Travel Insurance specialists, we can cover over 1,300 different existing medical conditions, as well as emergency medical expenses and repatriation. 

Here are a few reasons to get your over 80s Travel Insurance with AllClear:

• The joy of travelling worry-free: With AllClear, you can travel confidently knowing you’re protected every step of the way. From trip cancellations and lost baggage to specialist medical cover around the world, you can travel with peace of mind, focusing solely on the enriching experiences of your trip
• Specialist medical cover: We have over 20 years of experience as Medical Travel Insurance specialists, covering 1,300 different medical conditions, including common pre-existing conditions like high blood pressure , cancer and diabetes .
• Repatriation cover: If you don’t have repatriation cover and you need an air ambulance back to the UK, this could cost you anywhere between £10,000 to upwards of £50,000 . You’d then need to add the expense of any medical treatment on top of that. Our Over 80s Holiday Insurance can cover you for these costs.
• No upper age limit: Whether you’re booking a Single Trip policy or travelling with family and friends, our policies have no upper age limit. This means we can offer you tailored Travel Insurance for your 80s and beyond.

What does AllClear’s Over 80s Travel Insurance cover?

Travelling in your 80s doesn’t have to be stressful or difficult, it should be invigorating and exciting. 

Our Over 80s Travel Insurance policy covers everything included in our standard Travel Insurance policy, with no upper age limit.

What’s covered?

• Medical expenses – We can cover emergency medical treatment you need while travelling. This includes any pre-existing medical conditions you’ve declared
• Medical aids – We will protect your essential medical equipment and accessories from loss or damage, so you can travel with confidence
• Medication – If you lose your prescription medication during your trip, we will cover and help you replace it
• Repatriation – This covers the cost of emergency medical transport back to the UK, which could otherwise cost tens of thousands of pounds
• Lost luggage – We will cover the cost if your baggage is stolen or damaged, so you can replace your important items
• Cancellation and curtailment – Provides cover if you have to cancel your trip due to reasons beyond your control
• Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted

What’s not covered?

• Undeclared medical conditions – We need to know your full medical history to give you the best cover possible in a medical emergency
• Missed flights within your control – Unfortunately, we can’t cover missed flights due to personal errors
• Choosing not to travel – We know that sometimes plans change, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details
• High-risk activities – Our standard policy doesn’t cover these activities, but you can add Optional Extras to include some activities. However, our optional Winter Sports cover is only available up to the age of 65
• Accidents under the influence of drugs or alcohol – While we want you to enjoy your trip, safety comes first. If an accident occurs due to drugs or alcohol, we cannot cover your claim

Our different policy types can be found below. We have three different types to choose from, Gold, Gold Plus and Platinum. 

If you’d like some help choosing which is best for you, give us a call .

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Over 80s with pre-existing medical conditions

We understand that finding travel insurance in your 80s can sometimes be difficult. This is typically because the risk of insuring older travellers is higher. Existing medical conditions are more common, and these can lead to a higher risk of travel-associated issues like infections and injury. 

However, as a specialist medical Travel Insurance provider for travellers 80 and over, we can help you find a policy tailored to your specific needs.

Here are some of the most common medical conditions we cover:

• Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
• Chronic illnesses – According to NCOA research, nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , IBS, gallstones and other long-lasting chronic conditions.
• Respiratory problems – Respiratory conditions include asthma , causing breathing difficulties, and COPD , leading to airflow obstruction and breathing difficulties.
• Neurological conditions – These are disorders affecting the brain and nervous system, like strokes , epilepsy and multiple sclerosis .
• Diabetes – Disruptions in insulin production or usage affecting blood sugar levels, including diabetes .
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems and osteoporosis .
• Mental health – Including anxiety and depression.

Find the best over 80s Travel Insurance for your trip

We tailor policies to suit your travel needs. Whether you’re off to enjoy a cruise across the Caribbean or a staycation with your family in Cornwall, we’ll help you find a policy suited to your needs. 

Here are a few options to help you choose what you might need:

• UK Travel Insurance is ideal if you’re looking to enjoy the UK’s stunning holiday offerings. This type of policy covers you for things like cancelled accommodation and travel delays
• Cruise Travel Insurance keeps you protected from all medical emergencies and accidents onboard. It also covers you for cruise disruptions, cabin confinement and missed port departure
• Family Travel Insurance covers you, your friends and your family under a single policy. This means complete protection for everyone involved
• Worldwide Travel Insurance is what you need to protect you for all the essentials, wherever you travel
• Annual Travel Insurance is popular among older travellers. If you’re planning on more than one trip within 12 months, Annual Travel Insurance can be a cost-effective option
• We also offer optional extras for additional cover on your trip. For example, our Gadget Cover insures your electronic devices and our Golf Insurance protects your golf equipment and more.

How our Travel Insurance for Over 80s works: A simple 3 step quote process

Before you set off on your travels, you’ll need to complete our quick and simple 3-step screening process.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Our experts say…

“Travel insurance is a must-have for anyone who wants to explore the world, but especially for over 80s. You can cover yourself for unexpected medical expenses, trip cancellation, lost luggage, and more. Travel Insurance can also give you peace of mind and confidence to enjoy your trip without worrying about what might go wrong. You never know when you might need it, so it’s better to be safe than sorry. Travel insurance for over 80s is affordable and easy to arrange.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

We have over 20 years of experience as specialists covering older travellers, and we’re confident we can find a policy that suits you. 

Hear from those who have already discovered and travelled with AllClear.

What our Customers Say

Excellent and reassuring service.

“As I will be 80 later this year, the travel insurance I have with my bank will no longer apply. So, I needed to secure another comprehensive policy for a future cruise. I had been recommended AllClear by fellow cruisers; who in their own words have significant medical conditions. I have now arranged an AllClear policy and would like to place on record that the service I received from Liz was absolutely first class. She explained everything and updated a previous quote which I had obtained on-line. She was patient and gave me all the time I needed.

This gave me the confidence that I was dealing with a quality organisation. I had previously been concerned that it would be difficult and expensive to obtain insurance at my age and with my medical history. I am fit but have had past operations and treatments; and still need eye treatment. I need not have worried. AllClear is geared up to welcome the ‘mature’ traveller. I highly recommend this company.” – Simon

Frequently asked questions on over 80s Travel Insurance

Why does travel insurance cost more when you turn 80.

Unfortunately, the cost of Travel Insurance usually increases with age. This is because older people are more likely to need emergency medical treatment on holiday. Over 80s are also at a higher risk of infection or injury when travelling. 

So, premiums increase to cover the higher risk.

Does Travel Insurance have upper age limits?

We do not have an upper age limit for Travel Insurance. The only exception is for Winter Sports, which is up to age 65.

What does Travel Insurance for Over 80s cover?

Over 80s Travel Insurance covers everything included in our standard Travel Insurance policy, with no upper age limit. This includes everything from specialist emergency medical cover for seniors, as well medical aids, medication and repatriation cover.

It also includes standard things like trip cancellation, travel delays, baggage loss and personality liability protection.

When should you buy Over 80s Travel Insurance?

As with any policy, you can get your over 80 Travel Insurance before or after you’ve booked your trip, but it must be before you travel. However, it’s beneficial to buy your Travel Insurance as soon as you book your trip.

You can buy Single Trip Travel Insurance up to 12 months before your trip. The cover begins immediately after purchase if you have chosen a policy that includes cancellation cover.

You can buy Annual Travel Insurance up to 60 days before your chosen start date. Cover will only begin on the chosen start date of your policy.

Do you need Over 80s Travel Insurance if you have a GHIC card?

Yes, Over 80s Travel Insurance is essential, even if you have a GHIC or (previously EHIC) card. 

While a GHIC card does provide cover for medical emergency expenses, it will not cover transport to the hospital. 

Additionally, a GHIC card will not cover you for travel delays, cancellations or lost luggage.

What factors will affect the cost of over 80s Travel Insurance?

Age and medical conditions are two of the important factors we take into account when determining your premium. 

Other factors include the destination, duration of the trip, level of cover, and any pre-existing medical conditions you have declared.

Can someone else join your Travel Insurance policy if they're under 80?

Yes, you can travel in a group of all ages, whether that’s friends or family. This can be done through our Group Travel Insurance policy during your quote process.

Get the most out of your trips with our helpful guides

Where are you visiting?

Prepare yourself for your best trip yet with our helpful travel guides for the following locations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip

• United Kingdom
• Cruise Travel Insurance
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 1 May 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

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