long stay travel insurance over 70

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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

32 Published Articles 3130 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 for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

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

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Trawick International

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

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

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

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

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

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

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

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

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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

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

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

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

Frequently Asked Questions

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

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

Why Trust U.S. News Travel

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

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Travel Insurance

Best travel insurance for seniors in April 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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Long stay travel insurance for over 70s: The biggest myth in the industry?

While the UK travel insurance market continues to develop, numerous myths might stop you from travelling. One such myth surrounds long stay travel insurance for over 70s, with many thinking this is impossible to secure. Fortunately, this is not the case!

• While historically challenging to find affordable long stay travel insurance for those aged over 70 - the market has changed.
• Many insurance companies include long stay travel cover as part of single trip and multi-trip policies.
• There is a growing trend for standalone long stay travel insurance cover for those into their 70s, 80s and 90s.
• As competition continues to grow we have seen a significant tightening of premiums, benefiting consumers over 70 years of age.

Long stay travel insurance for over 70s: FAQs

Is it possible to buy long stay travel insurance if i am over 70 years of age.

Yes. As you can see from the above list, many insurance companies recognise the growing number of people over 70 years of age looking towards extended travel.

Are there age restrictions on long stay travel insurance?

While the conditions will vary from company to company, you may find there are age and/or trip duration restrictions on some policies .

Do these policies cover pre-existing medical conditions?

The vast majority of long stay insurance policies will cover pre-existing medical conditions where the insurer has been informed. However, it is important to clarify the situation prior to paying for travel cover.

What if my trip is extended over the maximum insurance term?

If you have travel insurance for 90 days , or another specified period, and your trip ends up being longer, you would not be covered unless you negotiated an extension or new policy.

When looking for travel insurance for over 70s , there appear to be several restrictions at first glance. You will notice that some of the leading travel insurance companies reduce the maximum cover for single travel and annual policies for older clients. So, where do you start if you are over 70 and looking to take an extended break? 

Thankfully, there are a growing number of insurance companies offering extended travel cover for over 70s . Let’s look at what’s available and from what providers.

While there are no age restrictions with Free Spirit, there are limitations on extended travel. On the surface, it would appear that Free Spirit does not offer extended travel insurance for those over 76. 

However, if the duration of your trip extends beyond the time or age limit restrictions, you can contact the company directly. They will be able to quote you for single trip cover for an extended duration, moulded around your particular requirements.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

While long stay travel insurance for over 70s can be challenging to find with some insurance companies, this is not the case with Globelink . This is available through the company's comprehensive annual insurance policy, offering:

• Trip durations up to 15 months, extended to 18 months with prior approval
• Long stay insurance is available up to 89 years of age

If you have any questions or queries, you can contact the company directly for more information .

Avanti offers a useful standalone long stay travel insurance policy if you're looking at extended trips. Further information is available on the website. However, the maximum length of cover reduces from 550 days if you're under 65 to 123 days if you're between 71 and 75. Consequently, it is sensible to contact Avanti directly to ensure you get the best deal for your travel plans.

Staysure offers a standalone long stay travel insurance package allowing over 70s to travel for extended periods. If you're between 71 and 75 years old, you can:

• Travel to European destinations for up to 366 days
• Travel to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, islands of the Caribbean and the USA for up to 123 days
• Travel elsewhere for up to 184 days

Over 75s can travel anywhere for up to 104 days with a standard single trip policy.

Whether travelling in the UK or overseas, a Saga single trip insurance policy covers you for up to 120 days. The Saga annual travel insurance policy traditionally covers you for trips up to a maximum of 45 days. However, there is the option to extend this to 60 days or 90 days for an additional payment.

Allianz Travel Insurance

Allianz offers both single trip insurance, up to 180 days cover, and annual travel insurance, limited to 31 days cover per excursion. However, it may be possible to request an insurance quote moulded around your requirements.

AllClear Travel Insurance

AllClear Travel Insurance offers both single trip insurance for up to 94 days at a time, and annual travel insurance, limited to 45 days per trip as standard, but with the option to extend to 55 days. AllClear Travel Insurance also offers flexible long-stay travel insurance policies that you can tailor to your needs depending on destination and planned trip duration.

Medical Travel Compared

As Medical Travel Compared allows you to compare travel insurance policies from various providers, we cannot provide a definitive outline of cover parameters. However, such is the variety of policies available that you’re sure to be able to find a long-stay travel insurance policy for your needs, along with any other type of travel cover you may require.

Insurewithease.com

While not one of the mainstream insurers, Insurewithease.com offers an excellent package for those over 75 looking at long stay travel. The policy covers single trips of up to 3 months in length without any age limit.

RAC travel insurance is very competitive for over 70s looking at extended trips. There is no upper age limit on the single trip policy, which covers up to 94 days for any one trip. It is a little different for the annual multi-trip cover, with two of the three options offering up 62 days' cover per trip. However, the RAC Black Travel Insurance package covers a maximum trip of 92 days. The upper age limit for the annual multi-trip cover is 80 years of age at the start of the policy.

Post Office

Post Office travel insurance caters for over 70s, with some restrictions. When looking at economy, standard and premium single trip policies, they cover maximum trip durations for different age groups:

• Up to 70 years of age, one trip of 365 days
• 71 to 75, maximum trip duration of 90 days
• 76 to 85, maximum trip duration of 31 days

The maximum trip duration for annual multi-trip policies is up to 60 days, but there may be an additional premium.

esure offers two packages: 

• Single trip policies for those aged up to 84 with a maximum trip limit of 90 days. 
• Cover for up to 45 days per trip for those aged up to 74 with a multi-trip policy. 

Sainsbury's

Many people prefer to deal with recognised brands, which prompted the likes of Sainsbury's to enter the travel insurance market. The single trip travel insurance policy has no upper age limit with a maximum trip duration of 94 days. The platinum annual multi-trip policy offers cover for a maximum of 92 days per trip. However, there is an upper age limit of 80 for this policy.

Keen-eyed readers will also note that Sainsbury's offers an extended stay travel insurance package. Unfortunately, while providing cover for up to 548 days, this policy has an upper age limit of 65.

Busting the myths of long stay travel insurance for over 70s

Thankfully, competition in the UK travel insurance industry has prompted the emergence of numerous companies offering long stay travel insurance for over 70s . While many people focus on overseas travel, most of these policies also cover UK trips. The only condition with UK trips is a minimum of two consecutive nights in recognised accommodation facilities.

It is essential to look at the detail for each insurance provider as some offer long stay travel cover as part of a:

• Single trip policy
• Annual multi-trip policy
• Standalone long stay insurance package

Some travel insurance companies also offer an ad hoc service where they can provide a specific quote around the duration and destination of your intended trip. However way you look at it, there is significant competition and availability for those over 70 looking at extended travel insurance.

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Best Long-Term Travel Insurance

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Table of Contents

Factors we considered in long-term travel insurance

An overview of the best long-term travel insurance, top long-term travel insurance for u.s. citizens, long-term travel insurance coverage recapped.

If you take multiple trips a year, you may want to consider purchasing long-term travel insurance for emergencies. This is especially true if you go abroad for extended stays, as travel insurance typically covers you even when your U.S. medical insurance may not. 

Because the considerations and coverage for long-term plans differ from shorter, single-trip policies, NerdWallet has researched the best long-term travel insurance plans for U.S. citizens.

Here's our list of the best long-term travel insurance providers:

Allianz Global Assistance.

Travel Guard.

USI Affinity Travel Insurance Services.

» Learn more: The best travel insurance companies

We made the following considerations when selecting the best long-term travel insurance companies:

Coverage . We looked at the types of coverage offered and the amount of coverage you could purchase. 

Cost . Affordability is essential, as the best coverage worldwide won't matter if the policy is too expensive. 

Ease of purchase . Being able to quickly and easily find quotes and sign up for coverage is a crucial factor in choosing the right policy.

Customization . The more options you have to tailor a plan specifically for your needs, the better.

Note: We excluded companies that require you to list the length, locations or dates of your trips to purchase a policy. We recognize that most travelers likely don't know these details for all the trips they'll take a year in advance. 

» Learn more: What to know before buying travel insurance

To compare prices and coverage levels, we looked at quotes for a one-year policy for a 35-year-old traveler based in California. If a company offered more than one tier of travel insurance, we went with their entry-level option. 

On average, the price of a policy offered by the listed companies was about $171. 

» Learn more: Does travel insurance cover award flights?

Let's take a closer look at our five recommendations for long-term travel insurance.

Allianz Global Assistance

What makes Allianz Global Assistance great:

Easy-to-use website.

Affordable coverage.

Different options for different budgets.

For our test, Allianz Global Assistance's basic coverage cost $138, about 19% lower than average.

Travel Guard by AIG

What makes Travel Guard great:

Includes dental coverage.

Offers security and emergency evacuation coverage .

Missed connection coverage of up to $500.

For our test, Travel Guard's basic coverage cost $259, about 51% above average.

USI Affinity Travel Insurance Services

What makes USI Affinity Travel Insurance Services great:

Budget-friendly option.

Includes emergency medical evaluation. 

For our test, USI Affinity Travel Insurance Services' basic coverage cost $100, almost 42% below average.

What makes GeoBlue great:

Certain prescription drugs are covered.

Covers medically necessary COVID-19 testing and treatment .

Allowed to take unlimited trips outside of the U.S. for a maximum of 70 days abroad per trip.

For our test, GeoBlue's basic coverage cost $125, about 27% below average.

What makes Heymondo great:

Offers a one-month refund policy, provided the trip has not started and no claims were made.

Easy to add coverage for electronics, cruises or adventure sports.

It has an app to file claims and chat with a doctor 24/7.

For our test, Heymondo's basic coverage cost $232, about 36% above average.

» Learn more: Does my Chase credit card have health insurance?

Most travel insurance companies offer annual plans as a cost-effective way for you to insure multiple trips in one year. Annual plans typically cover medical emergencies and basic benefits. Depending on the provider, some benefits such as baggage delay and trip cancellation are not always covered in annual plans. There are, at times, maximum trip durations per policy.

You can purchase an annual plan that covers multiple trips in one year (with restrictions on trip duration) or a specific long-term travel insurance plan if your trip is longer than three months. Annual plans are on a 12-month rolling basis. Long-term policies can last up to two years, depending on the travel insurance company.

Yes. If you're considering backpacking or taking a gap year, travel insurance companies have options for long-stay travel insurance. Policies vary by providers, but they'll typically include emergency medial treatment, legal protection and travel document replacements.

Yes, several travel insurance providers offer annual plans. Annual plans are a cost-effective way to insure more than one trip during the year. Depending on the plan, long-term trips may be excluded from coverage.

Before purchasing long-term travel insurance, you should think about the type of coverage you want, your budget and if you have any pre-existing medical conditions you wish to be covered.

Having the right plan may provide you with peace of mind and save you serious cash in the event of an emergency.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

June 1, 2020

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

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

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The Best Travel Insurance Plans for Seniors

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

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

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• Older travelers insurance
• Above 70 years

Best travel insurance for seniors over 70 years

Compare best travel insurance for seniors over 70 years.

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

Travel Medical USA Visitor Basic (by Seven Corners)

• This plan is available for Non US citizens traveling to the U.S., provides coverage for their Spouse, Traveling Companions, and Child(ren).
• High plan maximums are available $50,000 and $100,000 coverage per injury/illness
• Short term travelers to the USA can buy this medical coverage
• The acute onset of pre existing conditions coverage is available for up to $25,000 for age group of 70 to 79 years.

Travel Medical USA Visitor Choice (by Seven Corners)

• For people from 70 to 99, the policy maximum options available are $50,000 and $100,000
• It covers acute onset of pre existing condition up to the age of 79.

VisitorSecure (by WorldTrips)

• Ideal for travelers outside their home country
• $50,000 or $75,000 lifetime maximum
• Does not cover acute onset of pre-existing condition for people over age 70
• This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
• This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.

Visitor Care (by IMG)

• Very affordable fixed coverage.
• Ideal for Non US citizens outside their home country.
• This plan can be purchased for a minimum of 5 days and up to a maximum of 2 years.
• Covers acute onset of pre-existing condition up to 69 years.

Safe Travels Elite (by Trawick International)

• It is ideal for persons traveling to North America from other countries.
• It is available for travelers of ages 50 to 89 years.
• Cardiac Conditions or Treatment $25,000 per Policy Period Limit up to age 69 at age 70, it is limited to $15,000.
• Safe Travels Elite Covid travel insurance covers medical expenses from Coronavirus.

Visit USA (by Travel Insure)

• Ideal for Non US citizens visiting USA.
• The minimum period of coverage is 5 days, maximum is 364 days.
• Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense

INF Premier (by INF)

• This plan is available for Non US citizens and the US citizen expatriates visiting the US.
• Full pre existing insurance with coverage for doctor appointments, blood tests, special care, urgent care and hospital stays.
• Non US citizens and expats visiting the US are eligible for this plan.
• Pre existing coverage of $20,000/$30,000/$40,000 and $60,000 are available for age 0-69 with deductible options of $1,000 and $5,000.
• Pre existing coverage of $15,000/$25,000 for age 70 -99 with deductible options of $1,000 and $5,000 are available
• Policy maximum options for the plan are $100,000 with deductible options of $250; $500; $1,000; $2,500; $5,000.
• INF Premier plan Covid travel insurance covers medical expenses from Coronavirus.
• The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF Standard (by INF)

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

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

Safe Travels USA Comprehensive (by Trawick International)

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

Atlas America (by WorldTrips)

• Ideal for Non US citizens outside their home country
• Covers acute onset of pre-existing condition up to overall maximum limit or $100,000, whichever is lower up to age 79. (excludes chronic and congenital conditions)

Patriot America Lite (by IMG)

• Plan is available for both US citizens and Non US citizens living abroad visiting the US.
• $50,000 coverage per certificate period.
• This plan can be renewed for up to 2 years.
• Patriot America Lite offers coverage for adventure sports and other sports activities.

Patriot America Plus (by IMG)

• $50,000 coverage per certificate period
• The acute onset of pre existing conditions coverage is available up to 70 years.
• This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.

Intermedical (by Travel Insure)

• Ideal for travelers outside their home country and outside USA
• $10,000 coverage per certificate period
• Satisfies Schengen Visa Requirements

Diplomat America (by Global Underwriters)

• Ideal for Non US residents to USA
• Senior citizens aged 80 years and above are covered up to a maximum of $20,000
• 24 months waiting period for pre-existing condition.
• Diplomat Americal Covid travel insurance covers medical expenses from Coronavirus.

Diplomat Longterm (by Global Underwriters)

• Ideal for US citizens and Non US citizens outside their home country
• Senior citizens aged 80 years and above up to a maximum of $20,000
• Covers Sudded Recurrence of a Pre-existing Conditions up to $2,500 for US Citizens only
• Diplomat Longterm Covid travel insurance covers medical expenses from Coronavirus.

Patriot International Lite (by IMG)

• Ideal for US citizens travelling outside US

Globe Hopper (by IMG)

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

Patriot Platinum (by IMG)

• Ideal for US citizens and Non US citizens
• Covers pre-existing conditions up to $2,500
• Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.

Travel Medical Basic (by Seven Corners)

Travel medical insurance brochure links.

• Including USA
• Excluding USA
• Ideal for US citizens and Non US citizens.
• Up to $5,000 for Acute onset of pre-existing conditions benefit only for US Citizens travelling outside United States.
• Up to $2,500 for Acute onset of pre-existing conditions benefit only for Non-United States Residents in the United States.

Travel Medical Choice (by Seven Corners)

• Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
• The age availability is 14 days to 80+years.
• Covers acute onset of pre-existing condition up to 79 years.
• Seven Corners Travel Medical Choice offers COVID19 treatment benefit.
• Including USA : For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available, other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
• Excluding USA :For the acute onset of pre-existing condition coverage, there is a waiting period of 3 days and for the age range of 14 days to 64 years, $50,000 coverage is available and for the age range of 65 to 79 years, $10,000 coverage is available.

• Ideal for Non US citizens outside their home country to USA
• $75,000 coverage per certificate period

Atlas International (by WorldTrips)

• Ideal for travelers travelling worldwide except USA

Diplomat International (by Global Underwriters)

• Ideal for travelers outside their home country but not to USA
• Covers pre-existing conditions up to $2,500 for US Citizens only
• Diplomat International Covid travel insurance covers medical expenses from Coronavirus.

Safe Travels USA (by Trawick International)

• Covers travelers up to the age of 89 years.
• Travelers on transit visa in US can also purchase this plan.
• Safe Travels USA Covid travel insurance covers medical expenses from Coronavirus.

Safe Travels USA Cost Saver (by Trawick International)

• Foreign residents visiting USA and worldwide.
• Travelers up to the age of 89 years.
• Safe Travels USA Cost Saver offer excess medical coverage.
• This plan is not available to greencard holders in the USA
• This plan is not available to anyone over age 90.
• Safe Travels USA Costsaver Covid travel insurance covers medical expenses from Coronavirus.

Atlas Premium (by IMG)

• The best travel medical insurance with high coverage limits.
• Covers Acute Onset of pre-existing conditions up to overall maximum limit or $100,000, whichever is lower for age 70 to 79 years. (excludes chronic and congenital conditions)

Atlas Premium (by WorldTrips)

• Covers pre-existing conditions up to overall maximum limit or $100,000, whichever is lower for age 70 to 79 years. (excludes chronic and congenital conditions)

Visist USA Superior (by Travel Insure)

• $250,000 coverage per certificate period

INF Elite (by INF)

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

INF Safe Traveler USA (by INF)

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

Visitors Protect (by IMG)

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

INF Elite 90 (by INF)

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

Best travel insurance for the over 70s

Testimonials - from our customers.

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

Sachin Mathur

I am always appreciating good business conduct and when I am coming back here for the longer time span.

Thank you for your prompt response. Your prompt response will be highly appreciated.

Travel insurance for acute onset of pre-existing conditions

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Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, international travel insurance for older us citizens, us senior citizen travel insurance.

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

Visitors Insurance for travelers - Forum

Great Coverage of Pre-existing Conditions and covid19

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. If your visitor will be staying for three months or longer, you may want to consider a plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions.

The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). It is an 80/20 plan covering 80% while you pay 20% of expenses.For all information about the plan, go here:

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions. Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.

Another option is the same coverage for pre-existing conditions from a fixed plan. A fixed plan will pay a limited amount for each medical expense (it may not cover 100%), please see brochure for details. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age.

Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed). For all information about the plan, go here:

Please let us know if you have any further questions or concerns about this or other plans you may find on our website.

Pre-existing medical insurance blogs and articles

Coverage for persons with pre-existing conditions

Visitors to the US with pre-existing ailments need to review plans that provide them coverage for their medical ailments. The plans offered here provide such coverage.

Visitor insurance with pre-existing coverage

Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions.

Diabetes and Pre Existing Visitor Medical Insurance

Get free quotes of pre existing visitor medical insurance and compare. Some of the tips for diabetes patients to be healthy.

Visitors insurance for seniors

Insurance over 60 years

Insurance over 75 years

Insurance over 80 years

Insurance over 90 years

Travel insurance for 70 year olds, older traveler insurance, travel insurance for senior citizens blogs and articles.

Visitor Insurance for Seniors

Compare and buy visitors travel insurance plans offered for senior citizen travelers visiting USA...

Senior citizens and health insurance for visiting US

Are you looking for a travel health insurance for an older traveller visiting the United States?...

Greater Coverage for Pre-Existing Conditions for Older Travelers

Find the best pre-existing conditions coverage options possible for your travels or for your visitors!...

01.  Is there travel medical insurance for seniors over 70 from USA?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions.

Here are some travel insurance tips for travelers with pre-existing conditions

• Choose a travel medical insurance with pre-existing conditions coverage.
• Read the policy carefully to understand what is covered and what is not.
• Be aware of look back period for coverage of pre-existing conditions.
• Consider buying an US travel health insurance plan with higher medical coverage.
• Keep a copy of your medical records and list of medications when you travel.
• Take your Doctor's prescription and medications during your trip.
• Learn how to access healthcare at your destination.
• Contact your US traveler insurance provider immediately in case of a medical emergency.
• Disclose all pre-existing conditions when purchasing visitor health insurance.
• Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America , Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

• The definition of pre-existing conditions and the look back period under the policy.
• The eligibility age limit for pre-existing conditions coverage.
• Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
• The coverage limit for pre-existing conditions which is different from the policy medical maximum.
• The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01.  how do i know if my pre-existing condition is covered by travel insurance.

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90 ) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02.  What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06.  Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans.

07.  Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08.  What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best visitors insurance with parents visiting USA?

The best US visitors insurance with parents visiting USA is listed here :

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

Travel Insurance for US seniors

Trip cancellation insurance for us seniors.

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

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

Trip insurance with Cancel for any reason coverage

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

International travel insurance for US seniors with Medicare Coverage

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

Travel insurance for over 70s - information

Older traveler insurance resources

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

Factors for older traveler insurance online

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

Types of older traveler insurance online

Understanding different insurance types of older traveler insurance plans online.

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

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Travel Insurance for over 70s

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

If you have a pre-existing medical condition, our Over 70s Travel Insurance aims to provide cost-effective, high-quality cover.

Finding over 70s Travel Insurance can be difficult and costly. At Just Travel Cover, we believe everyone should be able to enjoy their holiday and find high-quality cover that enables them to travel with peace of mind – no matter their age. Just Travel Cover works with a range of specialist insurers to provide over 70s Travel Insurance with cover for hundreds of pre-existing medical conditions,  including short and long stay Travel Insurance within a single trip policy and annual Travel Insurance policies for seniors over 70.

Medical Travel Insurance for over 70s you can rely on

Just Travel Cover is here to help you find the right cover and compare policies. We will only show you policies that meet your age over 70, and any pre-existing medical conditions you may have. We compare multiple providers to help find the right Medical Travel Insurance for over 70s policy at the best price. The cost of medical treatment abroad can be extremely high, so to avoid any unexpected expenses, it is essential that you declare all pre-existing conditions when taking out an over 70s Travel Insurance policy.

We will usually show you bronze, silver and gold policies, so you can compare Travel Insurance over 70 and pick the best medical Travel Insurance option for you.

Medical Conditions Travel Insurance: Compare and Choose

Our online quote and medical screening engines enable you to compare medical Travel Insurance for over 70s quickly and easily. We want you to look forward to your holidays without the stress of finding a well-suited policy. If you have a pre-existing medical condition or need medical treatment abroad, Just Travel Cover is here to help provide cover and we will only show you over 70s Travel Insurance options that are suitable for your medical history, duration of trip, destination, and age.

Why Just Travel Cover

At Just Travel Cover, we understand that age is just a number and shouldn’t limit your ability to explore the world. Our commitment goes beyond offering affordable over 70 Travel Insurance for pre-existing medical conditions. We are award-winning and work diligently with a vast network of insurers to ensure our clients, including those over 70 with pre-existing medical conditions, find the best medical Travel Insurance for medical conditions tailored to their unique needs. Our transparent comparison process, dedicated to providing a range of Travel Insurance policies, sets us apart. Whether you’re seeking long-stay or short-stay Travel Insurance for over 70s, trust Just Travel Cover for unparalleled service and peace of mind.

Over 70 Travel Advice

Compare over 70 travel insurance, over 70s travel insurance faqs.

Frequently asked questions about Travel Insurance for people over 70 .

What is over 70s Travel Insurance?

Travel Insurance for over 70’s is designed to keep you protected while you are on holiday, and leading up to your trip.

Standard Travel Insurance policies may have upper-age limits and not cover certain age groups, especially those over 70 with pre-existing medical conditions .

Just Travel Cover works with a wide range of Travel Insurance providers to provide policies for those over 70 as we believe age should not be a barrier to travel.

How much does over 70s Travel Insurance cost?

How much you pay for over 70 Travel Insurance is not just based on your age, but also on where you’re going, for how long, whether the trip includes a cruise and your medical history. It also depends what level of cover you want/need – for example if your holiday costs £5,000 you only need £5,000 cancellation cover, but if the holiday costs £30,000 you’re likely going to want to ensure your insurance covers it.

When you get a quote from Just Travel Cover you will see a list of policies, sorted by price, based on your own circumstances, so we’re comparing prices for you to find the best possible deal from our insurers. If you do require a higher cancellation limit for example, you would need to speak to a member of our team directly to arrange. It may be the case that over 70s Travel Insurance is more expensive, but it depends on a case-by-case basis. Reach out to one of our experts to discuss your options today.

When should you purchase your over 70s Travel Insurance?

As Martin Lewis recommends, you should buy over 70s Travel Insurance ASAB, as soon as you have booked your trip – that’s because on single trip policies, cancellation cover starts immediately, so if something happens that means you can no longer go on your holiday, you may be able to claim back the money you have paid. On annual policies cancellation cover starts on the day your policy starts, which can be up to 90 days in the future. Terms apply.

Do pre-existing medical conditions affect the cost of my over 70s Travel Insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance . The policy will then cover the cost of care for any pre-existing medical condition you have had in the past or suffer from now.

Where can I go with over 70s Travel Insurance?

We know retirement often means more time to explore the world, and if you’re over 70 we can help find Travel Insurance that enables you to travel anywhere, as long as the FCDO does not advise against travel. Having the right policy in place will provide peace of mind that you’re protected should something not go to plan. Depending on where you’re travelling, you can get a single-trip policy for holidays:

• up to 180 days if you’re aged between 71-75
• 124 days if aged 76-79.

Annual multi-trip Travel Insurance is available if you’re over 70 too, with a maximum trip length of 45 days.

When you’re over 70, especially if you have pre-existing medical conditions , it’s important you have the right cover in place, so always look at what’s covered, as well as the price – this is not the same for all insurers.

When calculating the price of a Travel Insurance policy insurers will take a range of factors into consideration including your age and medical history, as well as where you’re going, how long for and whether you’re going on a cruise.

The price can also be impacted by the amount of cover you want/need, for example, if your holiday costs £30,000 you will need more cover than if it was £3,000.  We’ll compare prices from a range of insurers with bronze, silver and gold options,

Can I get Travel Insurance if I’m over 70 with a heart condition?

Yes, at Just Travel Cover we specialise in seniors Travel Insurance with pre-existing medical conditions and can provide cover for most heart conditions, including if you have had a heart attack. If you’re over 70 and have ever had a heart condition such as angina or an irregular heartbeat it is important you declare these when getting a quotation to ensure you’re properly covered while away.

Can I get Travel Insurance over 70 with diabetes?

Yes, our over 70s Travel Insurance policies can provide cover for type 1 and type 2 diabetes as long as this is declared when getting a quotation, alongside your age, any other medical conditions, destination, and length of trip. We will ask you a few questions regarding insulin and hospital visits before presenting several options to you from multiple insurers so you can compare Travel Insurance for over 70 and diabetes and choose the best policy for you.

Can I get Travel Insurance if I’m over 70 and living with cancer?

Yes, at Just Travel Cover we can help those over 70 and living with various types of cancer find over 70’s Travel Insurance whether you’re in remission or not. We are able to provide cover for a wide range of cancers, 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. Find out more on our Travel Insurance with pre-existing condition page.

If I’m over 70, can I get Travel Insurance to cover mental health conditions?

Yes, if you’re over 70 and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. Mental Health Conditions fall under the bracket of pre-existing medical conditions and should be declared when getting a quote. Our over 70s Travel Insurance policies provide up to £15m medical cover and will provide the peace of mind you’ve got the right support if the unexpected happens. When answering our medical questions, you may be asked to call us – this is so we can explain the different terms for psychiatric conditions for each insurer and provide you with some options.

Do Just Travel Cover provide home insurance for over 70s?

While we specialise in Travel Insurance, we partner with Quotezone.co.uk to provide home insurance , including options for those over 70.

I am over 70 and need Ski Insurance for my holiday. Can Just Travel Cover help?

Yes, just add the ‘winter sports extension’ when getting a quote online or tell one of our sales advisors that you need winter sports ski cover when getting an over 70s Travel Insurance policy. Please note that we only offer the winter sports extension to travellers under 75. Quotes are based on your age, medical history, duration of trip and destination.

Over 70s Travel Insurance

• Compare multiple insurers
• Bronze, Silver and Gold are available
• Hundreds of pre-existing medical conditions covered
• Emergency medical expenses up to £15 million per person
• Cancellation cover up to £12,500 per person
• Increased cancellation up to £32,500 available up to 74 and £27,500 between 75-79)
• Baggage cover up to £3,000 per person

Compare Over 70s Travel Insurance Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all over 70s insurers

Medical Travel Insurance can save you a small fortune, particularly when it comes to cruising, where it’s not uncommon for unwell passengers to be taken on to dry land for medical treatment. Subsequent transportation to mainland hospital facilities and treatment can result in huge medical bills. Declaring all pre-existing medical conditions will ensure you have the correct insurance to cover you for unexpected costs.

We’re Here to Help

Our online quote and medical screening engine enables you to compare and Travel Insurance for over 70s quickly and easily. Cancellation cover starts immediately from the moment of purchase  (on single-trip policies ) for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for your next holiday.

Instant Cancellation Cover

Whether you’re over 70 or not, your cancellation cover (single trip policies) will start immediately.

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Introducing Smart Luggage – a Just Travel Cover exclusive

Take the sting out of lost or delayed luggage with Smart Luggage: real-time payment of £50 if your luggage is delayed by 30 mins, and £500 if it is deemed lost after 48 hours – straight into your bank or PayPal account. Terms apply.

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Travel Insurance for Over 70s

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

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

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

Why Travel insurance for the over 70s is important

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

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

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

10 key tips about over 70s travel insurance

Upper age limit.

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

Pre-existing Medical Conditions

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

Minimum Medical Cover

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

Medical Equipment & Medication

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

Travel Companions

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

Cancellation Fees

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

Length of Travel

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

Cruise Insurance

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

Level of Excess Payments

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

Exclusions or Conditions

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

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

*Compare the Market data

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

*MoneySupermarket.com

Keeping the costs down on travel insurance for over 70s

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

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

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

Bank Accounts with Travel Insurance for Over 70s

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

Where to find over 70s travel insurance

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

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

Travel tips for the over 70s

Before you go.

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

Tips for travel

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

At your destination

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

FAQs on Travel Insurance for over 70s

Do all providers offer holiday insurance for over 70s.

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

Why is travel insurance for over 70s more expensive?

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

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

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

What is the maximum age for travel insurance?

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

How much does travel insurance for over 70s cost?

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

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

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

When should I buy travel insurance for over 70s?

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

Where is it most expensive to get travel insurance for?

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

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, long stay travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
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With long stay travel insurance from InsureandGo, your holiday doesn’t have to stop at a fortnight. We can cover trips of up to a whole year in length, whether you’re planning to travel the world or spend a season on the slopes.

What is long stay travel insurance?

Long stay travel insurance can cover your longer-than-average holiday, whether an extended 3 week stay or an epic round the world trip. If you’re going away for three or four weeks instead of the traditional one to two, then you’ll be pleased to know our standard   single trip policies will still cover you. In fact, they’ll cover a trip of up to 365 days!

This isn’t the same as annual travel insurance , which covers you for multiple trips during the year, rather than one long trip.

What does long stay travel insurance cover?

All of our long stay travel insurance policies include:

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

The excess and cover limits will vary depending on the level of cover purchased. Find out more in our   policy wording . Further items and activities can be added to your travel insurance policy, making sure you are covered for any specific needs.

Who is long stay travel insurance suitable for?

Long stay travel insurance is suitable for anyone! Our single trip policies can cover trips of up to a year, and have no upper age limits . So if you’re planning to travel around Southeast Asia on your   gap year   or volunteering for some charity work abroad, you’re in the right place to get a quote.

Does long stay travel insurance cover several countries?

It can! Just let us know the countries you’ll be travelling through and we’ll quote you a price for the whole trip. To choose the right long stay travel insurance policy for you,   get a quote online .

Does long stay travel insurance cover multiple trips?

No, it covers one long trip, and ends when you get back to the UK. If you want cover that will cover multiple trips for a whole year, check out our annual travel insurance instead.

Can I buy long stay travel insurance after booking a trip?

Some travel operators may require you to buy your insurance at the same time as booking your trip. Others are more flexible as long as you obtain your travel insurance before you depart.

Long stay travel insurance with medical conditions

We cover a wide range of medical conditions on our Silver, Gold and Black level policies, however long you’re travelling for, and we will never refuse to cover a   pre-existing medical condition   without prior consideration. We can usually cover any medical conditions with an additional premium, and medical cover on your long stay holiday is no exception.

You can check through our insurance   policy documents  for further details on long stay travel insurance with medical conditions we cover, or  get in touch  today for more information.

Does a long stay travel insurance cover me while working abroad?

If you’re working with hand tools, then conservation or charity work is included as standard under all our policies. We can insure you for manual labour too, but you would need to add our hazardous activities cover to your policy.

• 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 70s

Relax and enjoy your holiday with cover including:

• No upper age limit
• All pre-existing medical conditions
• Medical emergencies

Our Over 70s Travel Insurance is designed to help you travel confidently. It can provide full medical cover for complete peace of mind.

This includes specialist cover for all pre-existing medical conditions and medical emergencies while abroad, as well as cover for trip cancellations, lost luggage, and other common travel mishaps.

What is Over 70s Travel Insurance – and do you need it?

Over 70s Travel Insurance is a type of policy that offers peace of mind and protection for older travellers during and leading up to your trip. 

With the risk of falls and injury increasing as we get older , there’s a higher chance of needing some medical help while travelling. With our specialised medical cover, you can travel in the knowledge you’re fully protected.

Our Over 70s Travel Insurance:

• Provides specialist medical cover: As a specialist Medical Travel Insurance provider, we offer tailored Travel Insurance policies to suit you and your needs, no matter your age or medical conditions
• Is tailored to you: Nearly 95% of adults over 60 are living with at least one chronic condition, which can make finding and buying Travel Insurance more difficult. We’ll help you find a policy tailored to your needs
• Offers peace of mind: Travelling can be stressful, particularly as you get older. Over 70s Travel Insurance gives you peace of mind, knowing that you’re protected if you have an accident or emergency. You will also have access to our 24/7 helpline should you have a medical emergency your trip

What does AllClear’s Over 70s Travel Insurance cover?

We specialise in cover for over 70s with pre-existing medical conditions , so you can travel with confidence.

What’s covered?

• Medical expenses – We can cover emergency medical treatment you need while travelling, including pre-existing medical conditions you’ve declared
• Medical aids – We will protect your essential medical equipment and accessories from loss or damage
• Medication – We’ll help you get a replacement for your vital prescription medication if you lose it during your trip.
• Repatriation – This covers the cost of emergency medical transport back to the UK
• Lost luggage – We will pay out 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 an unforeseen emergency or 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
• High-risk activities – These are not covered by our standard policy, but you can add Optional Extras for some activities if you want to
• Accidents under the influence of drugs or alcohol – While we want you to have fun on your trip, safety is paramount. If you have an accident because of drugs or alcohol, your claim won’t be covered.
• Missed flights within your control – We understand that sometimes things go wrong, but we can’t cover missed flights that were under your control.
• Choosing not to travel – We know that plans change from time to time, but cancellation cover is provided only for specific reasons like illness, injury, or bereavement. Refer to your policy documents for complete cover details

AllClear’s Travel Insurance for Over 70s with pre-existing medical conditions

It is common to be travelling with pre-existing medical conditions in your 70s. 

In fact, a recent Which? study revealed that over a third (36%) of respondents living with pre-existing conditions struggled to find affordable insurance, with 7% opting to travel uninsured due to high premiums.

The risks of travelling without Over 70s Travel Insurance can be extremely costly. For example, without repatriation cover, you would have to pay air ambulance costs upfront. This can cost anywhere from £12,000 to £18,000 in Europe, to upwards of £50,000 from the USA , Caribbean and South America.

If you’re over 70 and living with a pre-existing medical condition, you must declare them so we can provide you with the most appropriate cover. 

Below are some of the most common medical conditions we cover for over 70s:

• Heart conditions – We cover all cardiovascular issues affecting heart function. This includes high blood pressure and atrial fibrillation .
• Chronic illnesses –  Nearly 95% of adults 60 and older are living with at least one chronic condition. We provide cover for cancer , Crohn’s disease , gallstones and other long-lasting chronic conditions.
• Respiratory problems – Respiratory conditions include asthma , and COPD , leading to airflow obstruction and breathing difficulties.
• Neurological conditions – These are disorders affecting the brain and nervous system. This includes 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 – We provide cover for mental health too, including anxiety and depression.

Find the best over 70s Travel Insurance for your trip

AllClear offers many types of Travel Insurance so you can choose one that’s right for your trip. 

Examples include:

• Single Trip Travel Insurance offers full protection extending for up to 45 days, ensuring peace of mind throughout your journey.
• Annual Multi-Trip Travel Insurance covers you if you’re planning on taking two or more holidays over 12 months. It may also be more cost-effective than buying Single Trip Travel Insurance for each holiday.
• Group Travel Insurance covers between two to ten travellers. This makes it a fantastic option if you’re travelling with friends and family.
• Cruise Travel Insurance provides essential cover for all aspects of your cruise. This includes onboard medical emergencies, cruise cancellations, cabin confinement and lost luggage. Around 30% of UK cruise customers are over 70 years old, with a further 33% between 60 and 69 years old, and it’s important to be covered for any unexpected issues you could face.
• Looking to enjoy some activities during your travels? Optional Sports and Activity cover is also available for pastimes like golfing . We’ll even cover your electronics with our gadget cover .

Countries covered by over 70s Travel Insurance

We provide Over 70s Travel Insurance for every destination. However, the region of cover you need will depend on where you’re heading.

Here’s what we cover:

• UK Travel Insurance provides cover for your UK trips for baggage and cancellation. However, we do not cover medical treatment in the UK
• European Travel Insurance will cover you on trips to European countries, as well as Egypt , Morocco and Tunisia.
• Worldwide Travel Insurance provides essential cover across the globe. You can also choose whether to exclude the USA , Canada and the Caribbean

How our Travel Insurance for Over 70s works: A simple 3 step quote process

You’ll first 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. 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…

“We believe that everyone should be able to travel, and the over 70’s are no exception. There’s an assumption that older people are either unwilling or unable to see the world. Our data shows that this is wrong, and that there are plenty of holidaymakers exploring well into their 70s, and beyond. However, more than any other group, senior travellers need to make sure they have comprehensive cover in place for their trip.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

Our dedication to customer satisfaction has helped us understand our customers. 

With over 123,000 reviews on Trustpilot, it’s easy to see what our over 70s customers think about us.

What our Customers Say

Getting quotes for travel insurance… painless.

“Getting quotes for Travel Insurance when you are over 70 and with pre-existing medical conditions can be a painful experience. It, therefore, came as a ray of sunshine to be helped through the process by an incredibly helpful and lucid young woman. No jargon, hard sell or questions that I (doctor) didn’t understand. From start to getting the quote took a fraction of the time with other insurers and was also very competitive. Highly recommended.” – Dr Henderson

Frequently Asked Questions on Over 70s Travel Insurance

Why does travel insurance cost more when you turn 70.

Travel Insurance premiums are calculated based on several different factors. These include

• The destination you’re travelling to
• The length of your trip
• The type and severity of your medical conditions
• The level of benefits being offered to you

Does Travel Insurance have upper age limits?

AllClear Travel Insurance cover has no upper age limit. This means any traveller, regardless of their age, can buy a specialist policy.

Do you need to declare all your medical conditions for over 70s Travel Insurance?

Yes, you must declare all pre-existing medical conditions you have and that are fully within the medical warranty, even if you consider them minor or they are controlled with medication. Not declaring your medical conditions may lead to lack of cover during your trip. This could result in costly expenses if you have an accident while travelling.

For example, if you need an air ambulance from the USA back home, it could cost you between £80,000 – £100,000 without appropriate medical cover.

When should you buy over 70s Travel Insurance?

Financial expert Martin Lewis firmly believes that you should arrange Travel Insurance “ASAB” – “As Soon As you Book” to avoid being out of pocket if a medical condition forces them to cancel a trip.

You can buy your Over 70s Travel Insurance before or after you’ve booked your trip, but it must be before you travel.  Additionally, our Single Trip Travel Insurance policies can be bought 12 months before your holiday. As soon as you have secured your policy, the cover begins immediately if you have included the cancellation cover.

Alternatively, our Annual Multi-trip Travel Insurance can be bought up to 31 days before your first trip.

Do you need Over 70s Travel Insurance if you have a GHIC card?

Yes, you will still need Over 70s Travel Insurance even if you have a GHIC (previously EHIC) card. 

While a GHIC card gives you access to healthcare throughout the EU for medically necessary treatment, it will not cover you for repatriation costs (which can be extortionate) or complications relating to a pre-existing medical condition. Additionally, GHIC will not cover you for lost luggage, passports, documents, travel delays or personal liability.

What factors will affect the cost of Over 70s Travel Insurance?

In addition to your age and medical history, trip duration, destination, planned activities, personal items, and optional extras impact may impact the cost of your Over 70s Travel Insurance.

Longer trips and distant destinations often result in higher costs, while specialised cover for activities like golfing may require extra fees. 

It’s important to consider these factors when selecting your policy to make sure you have the right cover in place for your trip.

Can someone else join your Travel Insurance policy if they're under 70?

Yes, you can add someone else to your Over 70s Travel Insurance policy, even if they are under 70. 

You can find out how to add someone to your policy through our Group Travel Insurance cover or by speaking to one of our friendly members of staff .

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations:

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: 22 April 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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Travel Insurance for seniors

A little older, a little wiser.

Travelling in your 60s and beyond is a great way to enjoy your retirement

If you’re one of the growing number of adventurers choosing to spend your retirement globetrotting, the right travel insurance policy will give you peace of mind and protection while you’re seeking new experiences.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel insurance for over 60s

As travel insurance isn’t compulsory, it can seem like an unnecessary expense – especially as we never think things will go wrong when we’re on holiday.

But it provides cover for a wide range of scenarios, including:

• Your belongings being lost, damaged or stolen
• Needing legal assistance while you’re away
• Travel delay

Choose from three levels of cover

Most significantly, travel insurance covers you if you need medical treatment on your trip. This includes cover for:

• Loss of medication
• To bring you home following emergency medical treatment

It's always best to buy cover well in advance of your trip in case your travel plans have to be cancelled. Our policy summary booklet sets out in detail what is and isn’t covered.

Travel insurance for over 60s with pre existing conditions

You don’t need specialist over 60 travel insurance with medical conditions, as long as you’re honest about any conditions when you’re buying your cover.

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance, whether that’s having symptoms, tests, diagnosis or medical treatment.

Pre-existing conditions  include:

• Heart disease

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Registering for free treatment

If you’re travelling in the European Economic Area or Switzerland, you should apply for a  GHIC  (Global Health Insurance Card) before you go. This gives you access to medical care in member countries. Not all treatment is free, however, and you may have to contribute towards medical expenses.

Some countries, such as New Zealand, Australia and the Falkland Islands, also have  reciprocal health care agreements  with the UK but, again, these don't cover all medical services. For example, if you need to be transported back to the UK following illness or injury, you’ll need a travel insurance policy in place to cover the costs.

To find out the true costs of getting ill abroad, check out our interactive globe where you can  explore the cost of medical treatment  in the most popular travel destinations for UK holidaymakers.

Cruise travel insurance for over 65s

A cruise is a great way to combine the luxury of a top hotel with the excitement of experiencing a different country every few days. If you’re going on a cruise, you must add Cruise cover to your policy.

Adding the  Cruise upgrade  means your travel insurance is valid while you're on board the cruise ship. You won’t be covered for any part of a cruise holiday without the add-on.

As well as standard travel cover, this kind of policy includes cruise-specific cover such as missed port departure (for reasons set out in the policy guide only) or cabin confinement, where you’ve been asked to stay in your cabin for medical reasons by the ship's medical officer.

Cover for sports and leisure activities

It’s true that sports have no age limit – but when it comes to travel insurance for over 65s, you may not be able to get cover for certain sports.

These might include general sporting activities, or those that pose more risk such as winter sports, where the average age cut off is around 65 years for cover.

If you’re planning any sporting activities on your trip, you may have to pay an extra premium. Always check your  policy book  or  contact us  to clarify what you will and won’t be covered for.

Your questions answered

Is travel insurance more expensive for older people.

Not necessarily. The cost of policies is dependent on a range of factors including the location, duration and nature of your trip.

Most travellers in their 60s find there's little to no difference in the cost of cover, but there may be restrictions as to what's included in the cover.

However, travel insurance for over 70s can cost a bit more. This is because a person over 70 requires more advanced medical cover due to the increased probability of health issues while travelling.

Is there a maximum age for Admiral Travel Insurance?

The maximum age limit for Admiral Travel Insurance is up to 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Getting the most out of your trip, going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Long-term care insurance: Why those in their 70s should act now

By Joshua Rodriguez

Edited By Matt Richardson

April 17, 2024 / 1:44 PM EDT / CBS News

Long-term care insurance isn't a product that most younger adults are racing to get their hands on. However, the need for this type of insurance grows exponentially as you age . Once you reach 65 years old, you have a  significantly elevated need for long-term care  assistance. So, if you're in your 70s and don't already have coverage, now is the time to act. 

After all, being able to afford long-term care services can be challenging. Even the lowest cost long-term care support can set you back tens of thousands of dollars per year. And if you need the type of assistance that nursing homes provide, you could end up paying over $100,000 per year for that care. This is why seniors in their 70s should consider acting now.

Lock in your long-term care insurance coverage now before it's too late . 

While the optimal time to purchase long-term care insurance is typically when you're in your 50s , it's an even more important consideration when you're in your 70s. In fact, if you're in your 70s, and don't already have a plan to cover your long-term care costs, you should purchase a policy now . Here's why:

Long-term care costs will likely only rise

Long-term care services are costly. Current costs for this type of support range from tens of thousands of dollars to over a hundred thousand dollars annually. And unfortunately, that cost isn't likely to fall.

Healthcare services - like long-term care - are not immune to the impact of inflation. And lately, inflation rates have been higher than expected . According to the Bureau of Labor Statistics , medical care services were 2.1% more expensive in March than they were one year earlier. As prices continue to grow, adequate long-term care services will likely become even more difficult to afford in the years ahead.   

And at 70 years old, you may be on a fixed income. As such, it may be impossible for you to keep up with the growing cost of long-term care without the help an insurance policy can provide.

Purchase long-term care insurance now to make sure you can cover the growing cost of care . 

Long-term care insurance will only become more expensive

Long-term care insurance companies have to consider the financial risk involved in writing policies. In turn, those policies tend to come with higher premiums as you age . So, acting now, even while you're in your 70s, will likely yield better premiums than you could access in the years ahead. 

"A person applying for a LTC insurance policy at an older age will have a shorter time period before filing a claim to access their policy benefits," says Lori Martin, CLTC, and instructor for Certification for Long-Term Care, a firm that provides certifications for long-term care insurance agents. As a result, she says, the "LTC insurance carrier is not collecting as much premium dollars and premiums are not invested for a longer period of time." That leads to higher premium prices for older applicants.

And, insurers have to account for health issues that may come later in life. "Older individuals may have health issues later in life that aren't discovered during the application underwriting process," says Martin. So, further risk is involved for the insurer, typically leading to a higher cost for older applicants. 

Coverage options may become more limited

As you age, your long-term care insurance coverage options will likely begin to dwindle. And if you wait too long after you're 70 years old, you may not qualify for coverage at all. 

"A barrier for this age group is acceptance since the rejection rate by 70 years old is about 50%," explains Afik Gal, co-founder and president of Assured Allies, a financial planning and insurance firm that serves seniors. But, you may still have adequate coverage options if you act quickly. So, you shouldn't wait to shop for coverage. 

The bottom line

Long-term care insurance is an effective way to plan for the cost of your care in the future. However, as you age, the cost of that insurance could climb and the availability of adequate policies may dwindle. The good news is that you still may have quality coverage options available to you, even in your 70s. But, it's important to act now to make sure you don't miss your opportunity to purchase a policy, and that, when you do, you get the lowest premiums possible. 

Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he's not working, he enjoys time with his wife, two kids, two dogs and two ducks.

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