cheapest travel insurance for seniors over 75

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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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Tips for Buying Travel Insurance Over 75

How do I find affordable travel insurance for over-75 travelers?

Don’t assume travel insurance is out of reach! First, get a quote . We’ll show you the cost and benefits for multiple plans, so you can pick the best one for your trip and your budget.

The first plans you see may be OneTrip Prime and OneTrip Premier . These plans are popular for good reasons: They offer extensive benefits and high benefit limits, and they cover children 17 and under for free when they’re traveling with a parent or a grandparent (not available on policies issued to Pennsylvania residents). If you’re planning a grand vacation overseas, these plans will give you the best protection.

But what if they’re just too expensive? Consider the OneTrip Basic plan instead. An economical choice for domestic and international travelers, OneTrip Basic includes all the benefits you need for less. There’s a $10,000 limit for emergency medical benefits and a $50,000 limit on emergency medical transportation.

If you’re not worried about losing your pre-paid trip expenses, we recommend the OneTrip Emergency Medical plan. This plan includes substantial post-departure benefits — up to $50,000 in emergency medical benefits and up to $250,000 for emergency medical transportation — but does not have trip cancellation/interruption benefits. As a result, it’s really affordable, even for senior travelers. 

Here’s the best-kept secret of all: annual travel insurance. For travelers over 75, the most cost-effective travel insurance option may be an AllTrips plan, which protects all your travel in a 365-day period. When you’re getting a quote for annual insurance, age doesn’t matter! Your cost is the same whether you’re 25, 75 or 95 years old. Seriously: Get a quote for an annual plan and see for yourself   .

One word of caution: If you’re heading overseas, do not skip emergency medical benefits just to save money on your travel insurance. If you should fall seriously ill or suffer a serious injury while traveling, the cost of treatment and transportation can be staggeringly expensive — as we saw in Anna’s case. As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.” iii

Can I get travel insurance if I’m over 75 and have health problems?

Here’s the good news: Medical history and/or chronic medical conditions do not affect the cost of travel insurance. If you have a pre-existing medical condition, however, you need to understand how travel insurance may or may not cover it.

We define a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the insurance purchase date:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed). 

If you have a pre-existing medical condition, opt for a policy that includes the Pre-Existing Medical Condition Exclusion Waiver . With this waiver, you can still be covered for losses due to a pre-existing medical condition if you meet all of the following requirements:

• Your policy was purchased within 14 days of the date of the first trip payment or deposit;
• You were a U.S. resident when the policy was purchased;
• You were medically able to travel when the policy was purchased;
• On the policy purchase date, you insured the full non-refundable cost of your trip with us. If you incur additional non-refundable trip expenses after you purchase this policy, you must insure them with us within 14 days of their purchase. (If you do not, those expenses will still be subject to the pre-existing medical condition exclusion.)

If you have questions about what any of this means, or if you’d like advice on choosing the best travel insurance plan, please contact us! Insurance advisers are available to talk you through all available options for travel insurance over 75, or at any age.

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• Tips for Retirement Travel on a Budget
• A Guide to Hiring Travel Companions for Seniors  
• Traveling with Grandchildren: Happy Kids, Great Vacation
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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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Best Travel Insurance for Seniors

The best travel insurance plans for seniors offer comprehensive, specialized coverage, affordable rates, and helpful customer service.

SeniorLiving.org is compensated when you click on the provider links listed on this page. This compensation does not impact our ratings or reviews. Read our Editorial Guidelines here to learn more about our review process and to learn more about how we are compensated .

• Additional coverage for preexisting conditions with select plans
• Wide variety of customizable plans
• High coverage limits

• Plans available for seniors up to 99 years old
• Can be purchased as close as one day prior to departure
• Affordable plans and group discounts

• 14-day refund in most states
• Comprehensive coverage for baggage and personal items
• Excellent customer service

• Free online quotes
• Affordable cruise insurance
• Hassle-free claims process

• Our Top Picks
• 2. International Medical Group
• 3. John Hancock
• 4. Nationwide
• 5. Travel Guard
• Our Methodology

If you plan on traveling abroad or domestically , we recommend purchasing travel insurance for some added peace of mind. Travel insurance offers protection when you find yourself in an unexpected situation, such as an injury that requires emergency medical care, lost luggage, or canceled flights.

If you’re on the fence about purchasing travel insurance, we’ll go over some of the reasons why you might benefit from it. With affordable rates you’ll find that travel insurance can help reduce the stress of traveling and incurring unexpected out-of-pocket costs. Our team spent over 50 hours researching and comparing plans. We evaluated each plan using important factors like cost, customer service, plan options, amount of coverage, and more.

Let’s take a closer look at the best travel insurance providers for seniors.

Best Travel Insurance for Seniors in 2024

What we like most.

Allianz Global Assistance has been a trusted travel insurance provider for over 100 years. We chose Allianz because many of their policies offer protection for those with preexisting medical conditions. If you’re a senior with a preexisting condition, you’ll be covered if you need care or services while traveling. This coverage is only available with select plans, and there are some exclusions.

Fun Fact: Allianz is best known for their role in insuring the Wright Brothers’ first flight and the construction of the Golden Gate Bridge, among many other historical milestones.

Allianz offers 24/7 assistance and a variety of plans, whether you’re planning a single trip or annual trip with many destinations. One of their most popular plans is the OneTrip Prime, which provides free coverage for children 17 and under when traveling with a parent or grandparent.

Allianz offers 10 different plans depending on how often you travel, or if you’re traveling for leisure or business. For example, their OneTrip Prime plan offers the following coverages:

• Epidemic coverage endorsement
• Trip cancellation (up to $100,000)
• Trip interruption (up to $150,000 per insured)
• Emergency medical (up to $50,000 per insured)
• Emergency medical transportation (up to $500,000 per insured)
• Baggage loss/damage up to $1,000 (per insured)
• Baggage delay up to $300 (per insured)
• Travel delay up to $800 (per insured)
• 24-hour hotline assistance
• Concierge services
• OneTrip Rental Car Protector optional upgrade
• Required to work optional upgrade
• Preexisting medical condition coverage available

Pros About Allianz

• Over 21 million insured travelers
• High coverage amounts
• High trip cancellation amounts
• Rental car coverage
• 24/7 hotline assistance for travel emergencies and assistance
• Preexisting medical condition coverage on select plans
• Wide range of travel insurance plans for leisure or business
• Free Allianz TravelSmart app for iPhone and Android

Cons About Allianz

• Up to 30 days for claim reviews
• Rental car damage and theft coverage not available to KS, TX, NY, and WA residents on an annual plan

Final Thoughts

Along with a vast selection of travel insurance plans and high coverage amounts, Allianz is great for seniors who are planning single or multiple trips throughout the year. Keep in mind that select coverages and benefits may not be available to residents in some states.

Overall, Allianz offers exceptional coverage for seniors with preexisting medical conditions, emergency medical benefits up to $50,000, and 24/7 hotline assistance for any travel emergencies or questions you may have.

Established in 1990 in Indianapolis, Indiana, International Medical Group (IMG) is known for offering quality global insurance benefits and assistance for seniors who travel internationally. One of the benefits of this company is that they offer a wide range of international medical insurance and 24/7 emergency medical assistance for travelers.

Fun Fact: IMG’s GlobeHopper Senior travel health insurance plan offers an option for the extension of coverage for seniors who wish to extend their trips. 

IMG earned our pick as the best international travel insurance for their affordable rates for longer trips, as well as comprehensive coverage for medical expenses and evacuation. We appreciate that IMG offers the GlobeHopper Senior, temporary health insurance for travelers ages 65 and up traveling internationally. This plan offers travel medical insurance coverage for as little as five days up to one year, along with maximum limits up to $1 million. Additionally, IMG offers travel medical insurance for individuals, families, and groups, including coverage for seniors with preexisting conditions. Many of the policies also have maximum limits of up to $8 million — which is one of the highest limits we’ve seen for travel insurance.

IMG offers four comprehensive plans for vacationers and business travelers. Their most popular package is the iTravelInsured Travel LX, which offers the following coverages.

• Trip cancellation: 100 percent of the nonrefundable insured trip cost
• Trip interruption: 150 percent of the nonrefundable insured trip cost
• Cancel for any reason: 75 percent of the nonrefundable insured trip cost
• Trip interruption for any reason: 75 percent of the nonrefundable insured trip cost
• Trip delay (up to $250 per day)
• Change fee (up to $300 per person)
• Frequent traveler reward (up to $75 per person)
• Rental car damage and theft coverage (up to $40,000 per covered vehicle)
• Missed trip connection (up to $500 per person)
• Traveling companion/bedside companion (up to $200 per day)
• Pet kennel ($100 per day)
• Search and rescue (up to $10,000)
• Political or security evacuation and natural disaster evacuation ($50,000 per event per person)
• Baggage and personal effects ($2,500)
• Sports equipment rental (up to $500 daily)
• Baggage delay of at least 12 hours (up to $500)
• Accident and sickness medical and dental expense (up to $500,000 per person)
• Accident death and dismemberment (up to $100,000)

Pros About International Medical Group

• Plans offered to travelers up to the age of 99
• Can be purchased up to one day before departure
• Affordable minimum trip cost to be insured
• 24/7 assistance
• Lowest price guaranteed
• Affordable plans for international travel
• Group discounts
• Higher coverage limits
• Claims filed via website or mail

Cons About International Medical Group

• Some travel insurance plans can only cover 90-day trips
• Might need to purchase separate travel medical insurance and international health insurance

IMG offers travel insurance plans for seniors up to age 99 who want to travel internationally. IMG is ideal for both vacationers and business travelers. Additionally, IMG offers 24/7 emergency travel assistance and a preexisting condition review period of 60 days. If you’re a senior going on a cruise or guided tour internationally, we recommend purchasing travel medical coverage through IMG.

As an insurance provider for over 160 years, many people trust John Hancock for their investment, retirement, financial , and insurance products. John Hancock offers streamlined travel insurance packages for older adults who plan to travel internationally with ample protection. Although on the pricier side, older adults can choose from three plans ranked Gold, Silver, and Bronze depending on how much coverage they’d like for their travels. Currently, John Hancock’s plans feature comprehensive coverage including trip cancellation, trip delays, emergency accident and sickness medical coverage, and more. They also offer high coverage options and greater protection for seniors who want 24/7 assistance.

FYI: If you purchase a travel insurance plan through John Hancock within the first 14 days of booking your trip, you can get the best coverage options. 

Depending on your unique situation, age, and duration of travel, you can customize a quote online and choose from three different plan tiers: Gold, Silver, and Bronze. The Silver plan offers the following coverages:

• Trip cancellation (up to 100 percent of trip cost)
• Trip interruption (up to 150 percent of trip cost)
• Trip cancellation for any reason (up to 75 percent of nonrefundable trip cost)
• Airline ticket change fee (minimum 1-hour delay $200)
• Missed connections ($750)
• Trip delay ($150 per day; maximum $750)
• Baggage delay (maximum $500; daily limit of $500)
• Baggage/personal effects (up to $1,000; per article: $250; maximum for property: $1,000)
• Accidental death and dismemberment (up to $100,000)
• Emergency accident and emergency sickness medical expense (up to $100,000)
• Emergency medical evacuation and medically necessary repatriation (up to $500,000)
• Repatriation of remains (up to $500,000)
• Preexisting conditions waiver
• Frequent travel loyalty (up to $200)

Pros About John Hancock

• Coverage for travelers with preexisting conditions
• Frequent travel loyalty perks
• Trip cancellation and trip interruption coverages
• 24/7 travel assistance

Cons About John Hancock

• Limited plans
• Some of the travel insurance plans can be expensive
• Need to speak with a licensed agent to get more information
• 14-day refund not available in states like IN, NH, and UT

John Hancock offers peace of mind and solid travel insurance plans for older adults who plan to travel alone or with their families. If you’re not satisfied or change your mind, you can call to cancel the purchase within 14 days of the effective date. John Hancock offers streamlined travel insurance coverage options — perfect for that cruise or international trip you’ve been dreaming about! Keep in mind that all travelers must reside in the same U.S. state to share a John Hancock policy.

Nationwide has been around since 1925, offering insurance, investing, and retirement products for individuals and businesses. Nationwide offers some of the best affordable cruise travel insurance plans for older adults that we’ve seen. If you’re planning a cruise with your family or friends, we recommend looking into three of their cruise plans: the Universal Cruise, Choice Cruise, and Luxury Cruise plans.

Did You Know? If you’re looking into other insurance policies for dental, vision, life insurance, check out our guide to insurance for seniors in 2024 .

The Choice and Luxury Cruise plans offer coverage for preexisting conditions. Plus, you can easily modify and add coverage even if you’ve already purchased a plan. One thing to remember: Not all coverage is available in all states, so you’ll have to check with a local travel insurance agent.

Nationwide offers single trip, annual trip, and cruise insurance. For cruise insurance, we recommend the Choice Cruise plan, as it’s flexible and affordable. Here’s what the plan covers:

• Trip cancellation (up to 100 percent of nonrefundable trip costs)
• Trip interruption (up to 150 percent of nonrefundable trip costs)
• Interruption for any reason ($500)
• Missed connection/trip delay ($1,500/$750)
• Itinerary changes ($200-$500)
• Emergency accident and sickness medical expense ($100,000)
• Accidental death and dismemberment ($25,000)
• Preexisting condition waiver (if purchased within 14 days of trip)
• Baggage and personal effects ($2,500 maximum, $600 maximum for special items, $300 per article limit of $500)
• Key cancellation/interruption covered reasons
• Cancel for any reason
• Non-medical evacuation ($25,000)
• Refund policy: 10-day review period

Pros About Nationwide

• Member of the US Travel Insurance Association
• Travel insurance plans for cruises, single- and multi-trips
• Hassle-free claims
• Affordable travel insurance rates
• Flexible annual trip plans start at $59

Cons About Nationwide

• Cruise plan refund policy not available in NY or WA
• Lower trip interruption limits compared to other providers (125 percent for Essential plan single trip)
• Some plans may have nonrefundable processing fees

Nationwide provides a variety of options for senior travelers, whether you’re flying to a new destination or cruising. The company has high coverage amounts, including a 10-day review period for refunds on some of its cruise plans. If your trip is canceled, you’ll be reimbursed for up to 100 percent of the nonrefundable trip cost.

As one of the world’s leading travel insurance companies, Travel Guard provides specialized coverages for older adults at affordable prices. Along with travel medical and concierge assistance, Travel Guard has responsive customer service and optional add-on coverages.

FYI: To get a preexisting medical conditions exclusion waiver through Travel Guard, you’ll have to purchase it within 15 days of the initial trip payment.

The provider offers three travel insurance plans: the Essential, Preferred, and Deluxe plans, with high coverage amounts up to $1 million. Coverage offerings include trip cancellation, baggage coverage, and travel medical expenses, along with specialized coverages such as car rental, medevac, and lodging expenses.

Travel Guard offers the following coverage for their Preferred plan — one of their most popular plans.

• Cancel for any reason (optional add-on)
• Baggage coverage (up to $1,000)
• Baggage delay (up to $300)
• Travel medical expense (up to $50,000)
• Travel inconvenience
• Medevac (up to $500,000)
• Car rental (optional add-on)
• Lodging expense (optional add-on)
• Trip exchange
• Security evac (optional add-on)
• Preexisting medical conditions exclusion waiver

Pros About Travel Guard

• One of the world’s leading travel insurance companies
• Specialized coverages
• Easy and fast claim process
• Family coverage options
• Preexisting medical condition exclusion waiver
• Cancel for any reason (up to 48 hours prior to departure)
• Travel insurance plans currently available in all states

Cons About Travel Guard

• Some plans don’t offer flight guard, security evacuation, trip saver, trip exchange, or other specialized coverages

Travel Guard offers a variety of affordable travel insurance plans for families, seniors, and those who frequently travel. If you’re looking for specialized coverages with higher coverage limits up to $1,000,000, we’d recommend looking into Travel Guard’s three travel insurance plans. Keep in mind that if you think you may need a preexisting medical conditions exclusion waiver, you’ll need to purchase it within 15 days of the initial trip payment.

Money-Saving Tip: Looking for ways to save on an upcoming trip? Check out our senior discounts guide to learn how you can save on hotels, cruises, transportation, and more!

For travelers looking for higher coverage limits, you can get up to $750 to $2,500 for baggage coverage and up to $100,000 for travel medical expense coverage. One of the perks of purchasing travel insurance through Travel Guard is that they are available in all states. You can also purchase an annual plan if you are looking for coverage for multiple trips throughout the year.

Our Methodology: How We Chose the Best Seniors Travel Insurance

When choosing the best travel insurance providers, we considered the following criteria.

• Coverages: We chose travel insurance providers that offer the best comprehensive coverage with higher limits for trip cancellations, emergency medical transportation, and baggage delay.
• Specialized coverages: We focused on companies that have optional or additional specialized coverages like car rentals or accidental death and dismemberment.
• Preexisting medical conditions: Our list features some providers that offer preexisting medical condition waivers.
• Cruise coverage: The companies on our list offer cruise coverage along with traditional travel insurance.
• Financial standing: It’s important to choose a provider with an excellent financial portfolio. We selected providers with above-average ratings by reputable ranking agencies.
• Customer service: We assessed the ease of use of navigating each insurance provider’s mobile app and claims processing center. We also evaluated how easy it was to obtain free online quotes and contact customer service.
• Affordability: The providers on our list offer budget-friendly coverage for seniors over the age of 65 and their families.

Comparing the Best Travel Insurance for Seniors

To give you a better idea of prices, we researched the average costs of travel insurance for older adults from each of our top providers. We obtained quotes for 65-year-olds on a two-week trip to Italy with an $8,000 travel budget.

What Does Travel Insurance Cover?

Many travel insurance plans cover the following benefits, with options for specialized or add-on coverages:

• Trip cancellation: Receive a reimbursement if you need to cancel your trip.
• Trip interruption: If your trip is interrupted, you can get reimbursed for the nonrefundable amount of your trip and the cost of transportation per insured person.
• Travel delay: You can get reimbursed a certain amount per day if your trip is delayed for a specified period of time.
• Cancel for any reason: Receive a refund for a portion of your trip expenses if you need to cancel your trip due to a death in the family or other situation.
• Baggage delay: If your baggage is delayed for a specified period of time, you may receive reimbursement for the hours delayed and if you need to purchase specific items due to the delay.
• Emergency medical: If you have dental or medical emergencies while traveling, this benefit can cover these expenses.
• Car rental: As an add-on, you can get car rental insurance to help cover the cost of rental car damages and other expenses if you get into an accident.
• Medical evacuation: Also known as medevac, this optional coverage provides emergency medical transportation if you need to be airlifted.
• Accidental death and dismemberment: If you die during your travels as a result of accidental death or dismemberment, your beneficiary would receive certain benefits.
• Repatriation of remains: If a traveler passes away during your trip, this benefit will cover the cost of returning them home.
• Preexisting medical condition waiver: Some insurance carriers offer coverage for those with preexisting medical conditions.

How Much Does Travel Insurance Cost for Seniors?

Based on our research after obtaining online quotes from five different travel insurance providers, we found that the average cost of travel insurance is $655.23 per insured person when you plan to spend around $8,000 for an international trip. While this might seem steep, travel insurance can help you avoid thousands of dollars in out-of-pocket expenses during an emergency. According to Forbes, the average cost of travel insurance is roughly six percent of your overall trip costs and is dependent on the amount you plan to spend on your trip.

Tips for Choosing the Best Travel Insurance for Seniors

When planning a trip, it’s important to compare travel insurance quotes to make sure you get the best deal. It’s better to plan ahead and enjoy the rest of your trip knowing you’ve purchased the best travel insurance for your needs. We’ve compiled a list of tips on how to choose the best travel insurance below:

• Coverage: Many insurance providers will highlight one of their best value plans to help you stay under budget. If cost is your main concern, choose a plan that offers the minimum coverage with the option of adding additional coverage if needed.
• Preexisting conditions: Not all providers offer preexisting conditions waivers, so it’s important to research and inquire about this if you’re so affected.
• Discounts: Agencies like AARP may offer senior discounts and travel savings if you’re a member. Consider these discounts on top of your travel insurance purchases.
• Medical expenses: Look into comprehensive travel insurance plans that offer substantial medical coverage. Some plans may require you to purchase separate travel medical insurance.
• Compare providers: Get quotes from multiple providers and compare rates and coverage. Think about the benefits that are the most important to you, along with your budget, and choose a plan accordingly
• 24/7 assistance: Some companies offer 24/7 assistance, which is essential when traveling in different time zones. Also, check to see if your provider offers concierge services.

Frequently Asked Questions About Seniors Travel Insurance

Travel insurance helps protect you and your loved ones if you experience a health emergency while traveling. It can also protect and help reimburse you if your trip gets canceled, or you lose your baggage during the trip.

Medicare does not offer health care services that you receive outside of the U.S. This is why it’s important to purchase a travel insurance policy for more coverage.

Some insurance providers won’t offer coverage for preexisting conditions, losses due to war, or inability to afford the trip.

AAA. (2021). Pandemic Prompts More Americans to Consider Travel Insurance .

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The Best Senior Travel Insurance Companies of 2024

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

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

After researching and rating 20 travel insurance companies using our travel insurance methodology, the MarketWatch Guides team found the best senior travel insurance companies are Faye, Travelex, Berkshire Hathaway and Nationwide. Based on our quotes, travel insurance plans for seniors are usually more expensive than for younger customers because companies assume an increased risk of health incidents and more costly medical expenses.

We at the MarketWatch Guides team researched nearly two dozen travel insurance companies to identify the best in the industry. Read on to learn more about the benefits travel insurance can provide older adults, how to save on a policy and how to pick the best coverage for your needs.

Top 9 Best Senior Travel Insurance Companies of 2024

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

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies for Seniors

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

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

The Best Senior Travel Insurance Detailed

Pros and Cons

Why we picked faye for senior travelers.

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

Coverage and Cost

Faye offers the following add-on options:

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

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

Why We Picked Travelex for Senior Travelers

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

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

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

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

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway for Senior Travelers

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

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

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

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

Nationwide Travel Insurance

Why We Picked Nationwide for Senior Travelers

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

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

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

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

Generali Global Assistance

Why We Picked Generali Global Assistance for Senior Travelers

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

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

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

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

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

AXA Assistance USA

Why We Picked AXA Assistance USA for Senior Travelers

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

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

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

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

Seven Corners Travel Insurance

Why We Picked Seven Corners for Senior Travelers

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

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

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

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

HTH Travel Insurance

Why We Picked HTH for Senior Travelers

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

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

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

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

International Medical Group

Why IMG Is Great for Senior Travelers

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

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

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

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

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

How We Selected the Best Travel Insurance for Seniors

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

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

How Much Does Senior Travel Insurance Cost?

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

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

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

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

How To Pick The Best Senior Travel Insurance

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

Check for Pre-Existing Conditions Waivers

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

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

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

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

Opt for Primary Medical Coverage

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

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

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

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

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

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

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

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

Frequent International Travelers: Consider Annual Travel Insurance

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

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

Make Sure You Have 100% Trip Cancellation and Interruption Insurance

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

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

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

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

How To Save On Travel Insurance

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

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

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

What Else Do Seniors Need To Know About Travel Insurance?

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

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

Do Seniors Need Travel Insurance?

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

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

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

When To Skip Travel Insurance

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

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

Is Senior Travel Insurance Worth It?

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

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

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

What is the best travel insurance for senior citizens?

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

Do I need travel insurance if I have Medicare?

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

Can you get travel insurance with a preexisting condition?

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

Methodology: Our System for Rating Senior Travel Insurance Companies

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

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

AM Best Disclaimer

More Travel Insurance Resources

• What Is Travel Insurance?
• What Is Trip Cancellation Insurance?
• What Does Flight Insurance Cover?
• Cancel for Any Reason Travel Insurance
• Travel Insurance for a Mexico Vacation
• Travel Insurance for a Costa Rica Vacation

More Travel Insurance Guides

• Best covid travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for visitors to usa
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

Other Travel Resources:

Nomadic Matt's Travel Site

Travel Better, Cheaper, Longer

The Best Travel Insurance Companies for Seniors

When it comes to planning a trip, there is one expense far too many travelers overlook: travel insurance .

It’s a boring topic to research and read about — and it is an added expense many budget travelers aren’t excited about paying. Chances are nothing is going to go wrong, right? Why not just save the money and spend it on more travel?

Unfortunately, as many people have learned the hard way — myself included — things can go wrong at the drop of a hat. I’ve had my luggage lost, had brand new gear broken, and needed emergency medical help while traveling (on multiple occasions).

And these are just the “serious” incidents. I’ve also experienced countless flight delays and cancellations — events that are also covered by travel insurance.

In short, things can (and will) go wrong on the road. Why not make sure you’re prepared?

This is especially important for older travelers.

While older travelers generally have a bit more sense than younger backpackers (when was the last time you saw a 65-year-old jumping a burning skipping rope at the Full Moon Party in Thailand or bombing down Death Road in Peru?), there are often health and medical issues that need to be considered.

Even if you’re a healthy 55+ traveler, buying travel insurance is a necessary step in your planning. It will cover you for delays and cancelations, injuries, and worse. It’s a safety net for you and your loved ones that will not only help you avoid massive medical expenses but also provide you with peace of mind so you can enjoy your trip without worry.

I never leave home without it. You shouldn’t either.

Here’s everything you need to know about buying travel insurance as an older or senior traveler.  

What to Look for in a Comprehensive Insurance Policy

Insurance is a billion-dollar business, and everyone wants their hand in the cookie jar. Consequently, you face a mind-numbing number of companies and policies, some with terminology that can be confusing and overwhelming.

So, what should you do?

First, make sure your travel insurance offers a high coverage limit on your medical expenses. Most travelers can get by with $100,000 USD in coverage. However, if you’re older or have a medical condition, then you may want more ($250,000-500,000 USD would be my suggestion).

High coverage limits are important because if you get sick, injured, or need serious attention and have to seek professional care, you’ll want to make sure your high hospital bills are covered. The worst thing you can do is go cheap and get a policy with a $20,000 USD coverage limit, then break a leg and reach that limit before they are done taking care of you.

Second, you want to make sure your travel insurance policy covers emergency evacuation and care that is separate from your medical coverage. For example, if you are hiking in the woods and you break your leg, your policy should cover your evacuation to the nearest acceptable medical facility.

If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well, ideally up to $300,000 USD.

Additionally, make sure you understand if your evacuation coverage will pay for you to get home or if it will just send you to the nearest acceptable facility. For example, if you break your leg abroad, most insurance policies will pay for your hospital bills. However, they won’t pay for you to get home since it’s not a life-threatening injury requiring advanced care.

Standard emergency evacuation coverage frequently only pays for a flight home if your current facility is inadequate or if it’s “medically necessary.”

In short, double-check if your company will cover the cost of your flight back home if you need it.

If you’d prefer not to stay in a foreign hospital for treatment and recovery, you should look into a medical transport membership program like Medjet , which ensures that, should you be hospitalized abroad, you’ll be able to be repatriated — something many travel insurance policies can’t guarantee ( read more about Medjet in my comprehensive review ).

Third, great travel insurance plans always include the following provisions:

• Coverage for most countries (including the places you plan on visiting)
• Coverage for injury and sudden illnesses
• Coverage for lost, damaged, or stolen possessions, like jewelry, baggage, documents, etc.
• Some coverage for your electronics (and the option for a higher coverage limit)
• Coverage for cancelations for hotels, flights, and other transportation bookings if you have a sudden illness, death in the family, or some other emergency
• Coverage for political emergencies, natural disasters, or strife in the country that may cause you to head home early
• Financial protection if any company you are using goes bankrupt and you are stuck in another country
• 24/7 assistance (you don’t want to call to be told to call back later)

A quick note on electronics: Most companies only have a small limit (usually up to $500 USD per item), as part of their basic coverage. You can often buy supplemental insurance for more coverage. If you’re traveling with lots of expensive gear, make sure you buy supplemental coverage.

Additionally, as an older traveler, you may also want:

• Policies that cover preconditions (if you have them). Since most policies exclude these, you’ll need to shop around for a plan that will cover them.
• Insurance plans that include a “cancel for any reason” clause. If you think you may need to cancel your trip before you depart and don’t want to risk losing your money, find a policy that offers this. It’s less common (and more expensive), but it might be useful if you have a medical condition that might impact your trip.

The Best Travel Insurance Companies for Senior Travelers

Here’s a quick overview of Medjet :

• Extensive medical transport coverage
• Offers regular coverage up to age 74 (with extended coverage up to age 84)
• Coverage for COVID-19
• Limited time spent in foreign medical facilities
• Both short-term and annual plans
• Available to residents of the US, Canada, and Mexico

Insure My Trip

As an older traveler, this is the best place for you to shop around and get a quote. You’ll be able to find policies for travelers over 70 as well as plans that have a “cancel for any reason” clause. It also offers policies that include coverage for certain pre-existing conditions.

Here’s a quick overview of IMT :

• Comparisons of plans from over 20 different companies to ensure you get the best one
• Guaranteed low prices
• Coverage for travelers over 65
• “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied

A Note on COVID-19 (and Other Pandemics)

As many travelers learned the hard way in 2020, most travel insurance policies historically did not cover pandemics. Until recently, that really wasn’t a concern for most travelers, including me. Prior to 2020, I never really gave the “pandemic clause” much thought when reading my insurance policies.

However, these days pandemic coverage is at the forefront of every traveler’s mind (and rightly so).

Fortunately, over the past few years, insurance companies adapted and most companies now provide limited coverage for COVID-19 (or other pandemics). This limited coverage usually includes trip cancellation or delay, though some also have medical coverage for COVID or transportation home (as is the case with Medjet ).

Before you buy a plan, read the fine print regarding pandemics and COVID-19. Make sure you fully understand what is and is not included so you can take appropriate action should a situation arise. When in doubt, call them and speak to a representative. Don’t risk your health on assumptions!

Everyone should buy travel insurance before they leave home — regardless of their age. While most travelers only experience minor hiccups, such as delayed flights or lost baggage, it’s always better to be safe rather than sorry should a health emergency arise.

However, older travelers in particular should make sure they have the coverage they need in case something goes awry. While their options are usually less robust (and more expensive), there are still plenty of affordable ones to ensure you are protected as you enjoy your well-earned travels.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Ready to Book Your Trip? Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Best Insurance for Older Travelers

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

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

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

What Coverage Do I Need as a Senior Traveler?

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

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

Read: Travel Medical Insurance Overview

What Are the Best Travel Insurance Plans for Seniors

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

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

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

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

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

Senior Travel Insurance Plan Daily Rates

Rates were last updated on March 18, 2024

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

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

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

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

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

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

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

GeoBlue Voyager Plan

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

Budget Friendly Travel Insurance for U.S. Seniors

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

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

This senior travel insurance plan includes the following benefits:

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

For pricing and coverage: Request a GlobeHopper quote

Travel Insurance for Older Visitors to the U.S.

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

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

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

Request a Quote for Trawick Safe Travels USA

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

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

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

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

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

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

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

Patriot Platinum Travel Insurance

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

Travel Insurance for Over 70 Years Old

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

Best Travel Insurance for Seniors Aged 70+

For US Citizens Traveling Abroad

For Travel to the USA or Globally

Benefits of Overseas Travel Medical Insurance for Seniors

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

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

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

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

Travel Insurance Options for Seniors

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

Best Trip Cancellation Insurance for Seniors Going Abroad

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

Trip Insurance Plan for U.S. Seniors Traveling Abroad

Seven Corners Trip Protection Insurance

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

Travel Medical Insurance for Seniors

Coverage with travel insurance if you are over 65.

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

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

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

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

Related: Staying Healthy While Traveling as a Retiree

How to Compare and Buy the Right Plan

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

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

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

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

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

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

Our Recommended Travel Insurance Plans for Older Travelers

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

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

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

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Travel Insurance for seniors 75 and Beyond

As we get older, travel remains an appealing activity for many seniors. Traveling in your retirement years allows you to spend time with far-flung family and friends, check off dream destinations, and enjoy new experiences. However, traveling beyond your mid-70s does come with some additional risks and considerations. Health issues, mobility limitations, and emergency medical care can become more challenging.

That’s where travel insurance tailored specifically for seniors comes in. Travel insurance for those 75 and up provides critical protections in case you need emergency medical care, encounter trip delays, lost baggage, or face other issues when traveling domestically or abroad. Policies can be customized based on health conditions, trip duration, types of coverage needed, and other factors unique to older travelers.

With the right travel insurance plan for your needs, you can gain peace of mind and focus on enjoying every moment of your trips in your later years. This guide will explore the key benefits of travel insurance for 75+, what to look for when choosing a plan, and tips for safe travels as a senior.

Benefits of Travel Insurance

Seniors travel insurance provides important protections for travelers, especially those 75 and older who may be more vulnerable to health issues or accidents while away from home. The main benefits include:

• Emergency medical coverage – If you experience a medical emergency while traveling, whether a bad cold or broken bone, insurance can cover costs like hospital visits, medications, and even medical evacuation back home if necessary. This is vital for those on Medicare, as Medicare does not provide coverage outside the United States.
• Trip cancellation – If you need to cancel your trip due to an unexpected illness or injury before departing, travel insurance can refund your prepaid, non-refundable expenses for flights, hotels, tours, and more. This helps avoid major financial losses.
• Trip interruption – If you need to cut a trip short for medical reasons, insurance can cover the costs of changing flights and travel home early. Some plans also cover accommodation changes or prepaid expenses for missed parts of a trip.
• Baggage protection – If your luggage is lost, stolen, or damaged while traveling, insurance can reimburse you for necessities like clothing and toiletries as well as for the luggage itself. Higher levels of coverage are available for expensive luggage and belongings.
• Travel delay coverage – If your travels are delayed due to weather, strikes, or other covered reasons, insurance can reimburse additional costs for hotels, meals, and transportation. This helps avoid paying out-of-pocket while stuck.
• 24/7 travel assistance – Insurers provide 24-hour hotlines while traveling to help arrange medical care, coordinate hospital payments, replace lost passports, provide translation services, and more. This assistance can be invaluable when navigating emergencies in a foreign place.

With the right travel insurance, those 75+ can feel confident embarking on trips near and far, knowing they are protected against life’s unpredictable circumstances. Policies can be customized to specific travel plans and health needs.

Common Exclusions

Many travel insurance for seniors over 75 policies have exclusions for certain conditions and activities that are not covered. Some of the most common exclusions to be aware of include:

• Pre-existing medical conditions – Most policies will not cover medical expenses related to a pre-existing condition. This includes anything you have been diagnosed with, treated for, or even had symptoms of before purchasing insurance.
• Routine or elective care – Routine medical and dental exams, tests, vaccinations, etc. will usually not be covered while traveling. Elective procedures like cosmetic surgery also won’t be covered.
• Mental health disorders – Expenses for mental health episodes or conditions that existed before your trip are often excluded. This includes anxiety, depression, eating disorders, etc.
• Extreme sports and activities – Policies frequently exclude dangerous hobbies like scuba diving, rock climbing, BASE jumping, racing, and more. Make sure your planned activities will be covered.
• Alcohol and drugs – Injuries or illnesses resulting from the use or abuse of alcohol or drugs are generally not covered. This includes treatment for substance addiction.
• Self-inflicted injuries – Intentionally self-inflicted injuries, suicide attempts, and illegal acts will not be covered by travel insurance.
• War or terrorism – Medical expenses or trip cancellations due to war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, etc. are commonly excluded risks.

It’s important to read the fine print and understand exactly what conditions and activities your travel insurance policy excludes before paying for coverage. This can prevent unpleasant surprises in the event you need to file a claim.

Factors that Affect Cost

The cost of travel insurance for those 75 and older depends on several key factors:

• Age – Older travelers will pay more for coverage than younger travelers. Insurance companies view age 75+ as a higher risk, so premiums are higher. The older you are, the more you can expect to pay.
• Destination – Where you are traveling to plays a role. Trips to Europe or other international destinations typically cost more to insure than domestic trips within the United States. Areas perceived as higher risk or more prone to incidents will have higher premiums.
• Trip duration – The length of your trip also impacts cost. A 2-week vacation will cost more to insure than a long weekend getaway. The longer you travel, the higher the odds you will need to file a claim for an incident.
• Policy limits – The amount of coverage you select affects premiums. Higher medical and evacuation maximums, lost luggage limits, and other policy benefits mean higher prices. Review your options and select limits suited to your trip needs.

When evaluating travel insurance for those 75 and over, get quotes from multiple providers. Compare plans with similar coverage levels to find the best value based on your specific trip details. Policies designed for older travelers focus on emergency medical care, which tends to represent the greatest area of concern.

Choosing a Provider

When selecting a travel insurance provider for those 75 and over, it’s important to look beyond just the cost of the policy. The quality of coverage, customer service, and company ratings should also be taken into consideration.

Look at the Coverage

Carefully review what the travel insurance policy covers. Make sure it includes all the protections that are important for your specific trip and traveler needs. Some key coverages to look for include:

• Trip cancellation – Will it cover pre-existing medical conditions? Up to what trip cost maximum?
• Emergency medical – What is the policy limit? Does it include evacuation?
• Baggage loss or delay
• Travel delay
• 24/7 emergency assistance services

The best policies will provide robust coverage without too many exclusions or limitations.

Customer Service

One of the biggest advantages of travel insurance is the assistance it provides if something goes wrong on your trip. You’ll want to pick a provider known for its helpful, readily available customer service. Things to research:

• 24/7 phone support – Can you easily reach a person in case of an emergency?
• Languages supported – Can they converse in your preferred language if needed?
• Response times – Do they have a reputation for fast claim processing and payment?
• Customer satisfaction – What do online reviews say about their service?

Excellent customer service can make all the difference in navigating issues smoothly.

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7 Best Cheap Travel Insurance Companies in April 2024

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

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

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.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

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

Updated 9:52 a.m. UTC April 11, 2024

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

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. 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.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

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.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

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

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Over 75 Travel Insurance with Medical Conditions Cover – Tailored to Your Health and Age

Over 75s travel insurance with medical conditions – hundreds of pre-existing medical conditions covered*.

Over 75s Travel Insurance with Medical Cover – Explore the world with peace of mind.

We understand it can be difficult to find Travel Insurance once you’re over 75. Many insurance providers push for high premiums or decline cover altogether. At Just Travel Cover, we know there is no age limit on wanting to explore the world, and spend time with family. That’s why we work with a range of specialist insurers to provide high-quality and affordable Travel Insurance for over 75s with or without pre-existing medical conditions.

Our Commitment to Finding Over 75s Travel Insurance

We want to make finding over 75s Travel Insurance fast, easy, and accurate. Our online medical screening only takes a few minutes to complete, and after you’ve answered a series of multiple-choice questions, we will provide you with a range of Travel Insurance quotes tailored to your health and travel requirements. You must declare your medical history, including any important information and pre-existing medical conditions. Our high-quality cover offers policies for hundreds of pre-existing medical conditions ranging from mild to severe, including terminal prognosis. We are available for any questions or advice, so feel free to get in touch with the Just Travel Cover team today.

*Pre-existing medical conditions must be declared, or your policy may be invalid.

Over 75 Travel Advice

Compare over 75 travel insurance, over 75s travel insurance with medical conditions faqs.

Frequently asked questions about Travel Insurance for people over 75 .

Can I get over 75s Travel Insurance with a heart condition?

Yes, at Just Travel Cover, we specialise in helping people of all ages, including over 75s, find Travel Insurance with pre-existing medical conditions cover – even if you’ve previously had a heart attack and/or heart bypass. You will be asked a series of multiple-choice questions during the quotation to give us the information we need to provide you with the right cover for your heart condition, making sure you’re covered should you need any treatment while on holiday. Medical costs overseas can be extremely expensive and lead to life-changing bills if you do not have Travel Insurance for over 75s with medical conditions in place.

Can I get over 75s Travel Insurance with medical conditions cover for diabetes?

Yes, you must declare diabetes during medical screening, and we will show you policies that can cover you, with up to £15m medical cover available. We know that some Travel Insurance providers may not cover your diabetes, but at Just Travel Cover, we specialise in Travel Insurance for hundreds of pre-existing medical conditions , and diabetes is one of the most common. Having the appropriate over 75s Travel Insurance with medical conditions covered in place will mean you’re likely to be covered if you need to cancel due to your diabetes or other unforeseen circumstances.

Can I get Travel Insurance if I’m over 75 and living with cancer?

Yes, if you’re over 75 and living with cancer, we can help find over 75s Travel Insurance with medical conditions to cover whether you’re in remission or not. We aim to provide cover for many types of cancer, including breast cancer, prostate cancer and skin cancer. We will compare several insurers for you to make sure you find the best Travel Insurance if you’re over 75 with 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 Travel Insurance you need.

If I’m over 75 can I get Travel Insurance to cover mental health conditions?

Yes, we can provide over 75s Travel Insurance for those who are living with mental health conditions such as anxiety and depression. Our policies have up to £15m medical cover and will provide the peace of mind that you’ve got the right support if the unexpected happens. When answering our medical questions, you may be prompted to call us with regards to psychiatric conditions – this is so we can explain the different terms offered by each insurer and provide the chance to include or exclude these conditions. Always check individual limits and exclusions in the policy wording for your chosen insurer.

I'm planning an extended trip and have some health concerns. Do you offer over 75s Travel Insurance for longer stays?

Absolutely! We understand that every traveller has unique needs. If you’re 75, we offer cover for single trips of up to 180 days, aligning with the needs for long term travel insurance for seniors. For those aged 76 and over, the cover extends to 124 days, suitable for those seeking 120 Travel Insurance. 

Additionally, for shorter trips, single or annual Travel Insurance for over 75s may be suitable. Annual Travel Insurance covers unlimited trips, each up to 93 days if you are 75, and 45 days for ages 76+, perfect for those looking for 45 day Travel Insurance. Our long stay Travel Insurance with pre-existing medical conditions is specifically tailored for seniors like you embarking on extended journeys. To ensure the most customised protection for your holiday, please provide all relevant medical details when getting a quote.

How close to my holiday should I buy Travel Insurance for over 75s?

With single-trip policies, cancellation cover is in place as soon as you purchase your policy. In the words of Martin Lewis, you should book your Travel Insurance for over 75s ASAB, as soon as you have booked your trip. This ensures that essential cancellation cover is in place, protecting you from losing out if you need to cancel your trip due to unforeseen circumstances.

Travel Insurance for Over 75s with or without Pre-Existing Medical Conditions – All Ages, All Stages

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

Just some of the conditions we cover:

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

To ensure you are fully covered in the event of a claim, please declare all your medical conditions in full.

Fast, Easy, and Accurate Online Medical Screening

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

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

Need other Travel Insurance options? Explore related terms:

• Over 60 Travel Insurance with Medical Conditions
• Holiday Insurance for Over 50s

Instant Cancellation Cover

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

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Out of Your Comfort Zone

The art of backpacking & adventures to get out of your comfort zone – tips and advice, the 7 best & cheapest travel insurances for seniors 65+.

Last Updated on February 19, 2024 by Talita

Are you an elderly traveler with a trip planned? And are you perhaps in search of international travel insurance that covers seniors with pre-existing conditions? Then you’re in the right place! Just follow the list below to find out the top travel insurance policies for seniors 65 years of age and older.

Traveling is good for the soul, no matter who you are, your travel style, or even your age. It’s almost impossible to find someone who doesn’t like to travel, see new things, and breathe new airs. 

That said, there are some trip concerns we need to pay attention, especially for older travelers. As we get older and our health becomes more fragile and pre-existing conditions more common, the possibility of a health issue coming in and ruining your trip becomes much greater. 

That’s why today I’ve put together a list with the 7 best travel insurance companies for elderly travelers. Below, you’ll find a description of each of the companies including a table comparing them. 

Table of Contents

• 1 Important update about travel insurance & coronavirus (COVID-19) 
• 2.1     1. Travel insurance is critical for any trip – especially for seniors who tend to be at higher risk for health issues (plus, it covers more than just healthcare!)   
• 2.2     2. Healthcare costs in other countries can be very high 
• 2.3     3. Many destinations require you to have travel insurance to enter 
• 2.4     4. Finding travel insurance that covers seniors is quite rare 
• 3.1.1 Pros of travel insurance for seniors from Tokio Marine: 
• 3.1.2 Cons of travel insurance for seniors from Tokio Marine: 
• 3.2.1 Pros of travel insurance for seniors from World Nomads:
• 3.2.2 Cons of travel insurance for seniors from World Nomads: 
• 3.3.1 Pros of travel insurance for seniors from IMGlobal:
• 3.3.2 Cons of travel insurance for seniors from IMGlobal:
• 3.4.1 Pros of travel insurance for seniors from SafetyWings:
• 3.4.2 Cons of travel insurance for seniors from SafetyWings: 
• 3.5 Comparative Table of the Best Travel Insurance Companies for Senior Travelers 65+ 
• 4.1     4. SafetyWing 
• 4.2     3. IMGlobal 
• 4.3     2. World Nomads
• 4.4     1. Tokio Marine    
• 5.1     AARDY
• 6 In conclusion…
• 7 Planning your next trip?

Important update about travel insurance & coronavirus (COVID-19)  

Does travel insurance for seniors cover Coronavirus (COVID-19)? 

Everyone out there knows about the Coronavirus/COVID-19 pandemic. So if you’re planning to travel , you’re likely wondering whether or not your travel insurance will cover you if you catch the virus. 

You can find an article I wrote here covering the topic: Does Travel & International Insurance Cover Coronavirus (COVID-19) ? 

In the case of the list you’ll find below, many of these travel insurance options for seniors DO cover Coronavirus. But I recommend you take a look at each company’s COVID-19 updates page to make sure your destination is covered before you buy your policy. 

Why get a senior travel insurance policy 

Truly, I’d recommend getting travel insurance for any international trip. And senior/65+ travelers are no exception! 

Here are 4 important reasons to get a policy: 

    1. Travel insurance is critical for any trip – especially for seniors who tend to be at higher risk for health issues (plus, it covers more than just healthcare!)   

Many people mistakenly mix up travel insurance with health insurance . Although they do share some commonalities, they aren’t the same thing. 

Yes, it’s true that travel insurance often covers health expenses that you may run into, but that’s not all it does. 

Travel insurance also covers costs incurred for things like late flights or lost baggage . The best way to think about it is as insurance that can give you overall peace of mind during your trip. 

    2. Healthcare costs in other countries can be very high  

In most places in the world, healthcare costs can be very expensive if you don’t have a basic health insurance plan . 

And naturally, this can be even more expensive for elderly travelers who need care. To give you an idea, if you need to be hospitalized in the United States , the average cost of a 3-day stay is around $30,000 USD!

In many European countries , the United Kingdom and Germany included, this amount isn’t much lower. 

So, getting a travel insurance plan as a senior traveler can give you peace of mind that you won’t have to deal with these costs if anything were to happen .

    3. Many destinations require you to have travel insurance to enter 

Another important reason to get a travel insurance policy is that you are required to have one to be let into the country, no matter how old you are. 

Some of the countries that have this requirement include Germany , Belgium, Spain , France, Greece, Hungary, Iceland, Cuba, Venezuela, Australia, and Switzerland. 

It’s worth pointing out that many of the countries that I mentioned above are part of the Schengen zone , an agreement between various European countries that include particular immigration rules, including obligatory travel insurance . 

Just keep in mind that the minimum insurance coverage to enter in the Schengen zone is 30,00 Euros, which is quite low for a policy. 

But regardless of whether or not travel insurance is a requirement to enter the country you’re traveling to, getting a policy is always a good idea. 

    4. Finding travel insurance that covers seniors is quite rare 

And lastly, there’s one important thing you should know: not ALL insurance companies have policies that cover elderly travelers as they believe the health costs and risks associated with them are too high. 

However, it is possible to find good travel insurance for senior travelers . But since they are harder to find, I think it’s extra important to take some time comparing the options. And that’s exactly what I’ll help you do right now! 

What are the best travel insurance companies for senior travelers? 

 And now, let’s get to the list of our top 4 best travel insurance options for senior travelers! 

Tip: I always recommend that you get a quick online quote for all of the options listed below. Believe me, you can save a lot of money just by doing efficient research.

    1. Tokio Marine

Tokio Marine HCC Medical Insurance Services is a group formed in 1998 in Indianapolis, United States. Currently, the company operates in more than 130 countries and offers many types of insurance policies. Some of these include: 

• Travel insurance for visitors to the United States 
• Travel insurance for students  
• Travel insurance for expats & immigrations
• Travel insurance for volunteer work 
• Travel insurance for adventure travel  
• Insurance for trip cancellation

When we talk about travel insurance companies that cover seniors, HCC is one of the best. Beyond offering coverage around the world, with options to include or exclude the United States, the insurance provider is one of the few out there that doesn’t have an age limit!   

However, t he price of the policy does increase with the age of the traveler. 

That said, the prices for policies are still very reasonable. To give you an idea, the price for a 40-year-old traveler and a 75-year-old traveler will only vary by about 10%. 

Above 80 years of age, the policies began to get a little more expensive, which is quite common given the cost of healthcare for those in this age range. 

Pros of travel insurance for seniors from Tokio Marine: 

• There’s no age limit on their insurance policies (this is very hard to find!)  
• Their prices are very competitive and often the cheapest you’ll find  
• They have many different options for customer service (phone call, live chat, email, etc.) 

Cons of travel insurance for seniors from Tokio Marine: 

• Their website isn’t as easy to navigate as the others on the list, especially when it comes to finding the policies that cover seniors 
• To get a quote, you need to put in quite a bit of personal information 

    2. World Nomads

World Nomads is one of the most well-known and popular travel insurance companies out there. 

They do tend to have above-average prices. However, they also cover a number of other “adventurous activities” that most other companies won’t. Another unique feature is that you can buy your policy even after you’ve started your trip (great if you end up staying longer and need to extend part way through!). 

Most of their normal policies have an age limit of 70. 

However, if you’re a U.S. citizen or permanent resident, they have a special “Silver Nomads” policy, offered through a partnership with TripAssure, that covers senior travelers 70+.  

Pros of travel insurance for seniors from World Nomads:

• Ability to extend your policy and file a claim online 
• Covers most sports and adventure activities 
• Higher-than-average age limit of 70 (with no age limit if American) 

Cons of travel insurance for seniors from World Nomads: 

• A little more expensive than average 
• If not American, age limit of 70 for their policies 

    3. IMGlobal

IMGlobal is another well-known insurance provider for all kinds of policies around the world. 

With IMGlobal, you can get insurance policies for many types of travel including health insurance for international students , tourists of all ages, and even international insurance for expats and immigrants . 

Their website is very easy to use and you can find what you need with detailed filters. 

Like Tokio Marine, they do NOT have an age limit on many of their travel insurance policies (although there is a $100,000 coverage limit).   

If you’re above 65 and an American citizen or have a U.S. permanent residency, you also have the option of getting IMG’s special GlobeHopper Senior Plans for more senior-specific coverage.   

Pros of travel insurance for seniors from IMGlobal:

• Website that’s easy-to-use and navigate 
• Multilingual customer service (important if you’re buying a policy for a senior traveler who may be most comfortable in another language!)
• No age limit on their general plans
• Have a special “GlobeHopper” plan just for seniors 65+ (only available to U.S. citizens and permanent residents)  
• The company considers COVID-19 like any other illness and injury

Cons of travel insurance for seniors from IMGlobal:

• The price is a little above average when compared to most other travel insurance policies for seniors 
• To get a quote, you need to put in quite a bit of personal information  

    4. SafetyWing

SafetyWing is an American- Norwegian company that is known for providing health insurance for travelers of almost all ages.

SafetyWing’s website is easy to use whether you want to get a quote for your trip, make payments, or contact the help desk. They also offer coverage all over the world and have good reviews in terms of their customer service and the quality of their policies. 

SafetyWing also has robust insurance coverage for some of the best prices out of anyone on this list. 

Unfortunately, they only offer insurance policies for travelers up to age 69, so this won’t work for all senior travelers. 

Right on their website, you can put in the age of the traveler to get a quick quote. 

Children under 10 are free. However, the prices increase slightly with each 10-year increase, with policies for travelers 50-69 being the most expensive. 

All that said, if you are under 69 , Safety Wings could still be a good option if you’re looking for a reasonably-priced policy with great coverage.

Pros of travel insurance for seniors from SafetyWings:

• Easy-to-use website & online portal 
• Reasonable prices for great coverage
• Well-staffed customer support when you need it
• Quick & easy quoting right on the website   

Cons of travel insurance for seniors from SafetyWings: 

• The age limit for policies is 69 years old 
• Not all taxes will be shown right away when you get a quote 
• You have to get coverage for certain services separately, such as dental insurance    

Comparative Table of the Best Travel Insurance Companies for Senior Travelers 65+ 

So, what’s the best travel insurance plan for senior travelers .

After checking out the top 5 travel insurance companies for elderly travelers, you’ve probably come to some conclusions about which company may be best for you .

Below, I’ve ranked from worst to best which ones I personally believe to be the best choice for seniors, taking into account things like price, coverage, conditions, quality of services, and age limit for each. 

Of course, what is best for me may be different than what’s best for you. So I always recommend you spend some time getting a quote with each company to compare prices and see exactly what your coverage will be based on your age. 

Remember, spending a bit of time on research can save you a LOT of money down the line! 

    4. SafetyWing  

Although Safety Wings may be in last place, this doesn’t mean they are a bad choice! Keep in mind that I’m talking about the top 5 travel insurance options for seniors here, so all of them are good options.  

However, what makes Safety Wings fall to the end of the list here is that they only cover individuals up to 69 years old, which limits many travelers.

That said, Safety Wings still stands out thanks to the ease of using their site and the customer service that’s consistently praised by customers.    

    3. IMGlobal  

Although IMGlobal may not have the best prices on the list, they get big points for being one of the few companies out there that DOESN’T have an age limit on their travel insurance policies (meaning it may be one of your only options if you’re above 70 years of age).

They also have multilingual customer service, which could be important if you’re buying a policy for an elderly relative or friend that may not speak English as their first language.  

Although World Nomads doesn’t offer travel insurance for senior travelers above 70 unless you’re American, World Nomads still deserves recognition for being one of the most well-known and top-rated travel insurance providers out there. 

So if you’re under 70, they can be a really great option thanks to their ample coverage (often including many activities that other insurance providers won’t) and flexible policies.

    1. Tokio Marine     

Out of all the options above, my top choice for travel insurance for senior travelers would have to be Tokio Marine. 

Not only do they have great insurance options, but they also have some of the cheapest prices out there. Not to mention, they are one of few out there that don’t have age limits!

Of course, the ranking above is my personal opinion, not a definitive rule. The only person who can know exactly which travel insurance plan is best for your particular situation is you. 

However, I hope the ranking above gives you a better idea of what each of these companies has to offer and has made your decision a bit easier.  

Alternative options to compare and search travel insurance for 65+ seniors

After reading all these options, are you still in doubt about the best travel insurance for people over 65? With that in mind we have brought up a few more options, but those from online travel insurance search aggregators.

These aggregators are great for researching and comparing different plans and companies. Just add your data, your destination, and the travel time you want to make and they will make a complete quote with several options for your choice.

    Travel Insurance

Travel Insurance is a great portal to compare and search for insurance, in addition to being super simple and intuitive, the entire quotation process is really fast.

When adding your information and what you are looking for in travel insurance, Travel Insurance will take into account past customer ratings and the price range of companies it will recommend to you.

One of the best things about Travel Insurance is that they have options for all customer profiles. In other words, it’s not a hindrance if you’re an elderly person, a practitioner of extreme sports , an immigrant , or a digital nomad . This portal will find the best plans on the market and compare them in a practical and fast way for you.

    AARDY

This is an option similar to Travel Insurance, AARDY is a travel insurance aggregator with the mission and objective of helping you choose the best insurance on the market for your profile.

This company primarily values ​​exceptional customer service. AARDY has one of the highest scores among US travel insurers. In addition to the online self-service options, it is also possible to contact a real broker by phone and email and resolve all your doubts before taking out insurance.

Another positive point of this company is that they carry out quotes quickly and without commitment. They compare the best options for you in a didactic way, which can help when taking out your insurance.

    InsureMyTrip

Finally, InsureMyTrip is a super practical insurance aggregator website. With it, it is possible to make quotes quickly and without the need to contact accountants or make long registrations.

InsureMyTrip’s biggest differential is, without a doubt, its strict evaluation policy. If an insurer has a negative assessment, it will be removed from the recommendations for new clients. With that, this portal guarantees a reliable product.

Despite being a great aggregator option, InsureMyTrip does not offer insurance for expatriates and digital nomads. If that’s your case, check out my article with the 7 Cheapest International Health Insurance Plans for Immigrants & Expats or 7 Best Global Health Insurance Companies for Digital Nomads . I believe they will be able to help you!

In conclusion…

I always recommend that EVERYONE planning a trip overseas gets a travel insurance plan, no matter their age or their destination. 

Because honestly, traveling with the knowledge that you’ll be covered if you run into any problems is priceless. Whether health concern, lost luggage , delayed flight , or just about anything else. 

So with that in mind…grab your travel insurance plan, and enjoy your trip! 

Do you have any final questions about getting travel insurance for seniors? Or about any of the companies above? Or about travel in general?

Let me know in the comments area below and I’ll get back to you!

Planning your next trip?

 Already reserved your hotel or hostel? If not, our article with The 6 Best and Cheapest Websites to Find & Reserve Accommodation can help you out. You’ll also find some promotions and discount codes .

 Still haven’t booked your plane ticket and want to save big? Take a look at our page with 16 Tips to Save on Flights where you’ll also find the 4 best websites to buy your plane tickets. 

And finally, will you need to rent a car during your trip? Then surely our page with The 5 Best and Cheapest Websites to Compare and Rent Cars Around the World will help you choose the best rental car and find a good deal.

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Maximize Coverage, Minimize Cost: The 4 Cheapest Travel Insurance Policies

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Best Cheap Travel Insurance for Young Travelers: Aegis Insurance

Best cheap travel insurance for families: worldtrips, best cheap multi-trip travel insurance: nationwide, best cheap cruise travel insurance: aegis insurance, best cheap travel insurance for seniors: seven corners travel insurance, is travel insurance worth it, travel insurance costs, types of travel insurance, how to get cheap travel insurance, final thoughts.

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If you’re trying to travel inexpensively, you might be hesitant to add the expense of travel insurance to your trip budget. But travel insurance — even low-cost travel insurance — can offer value far beyond its cost.

With coverage for unexpected incidents on your trip, such as delays, interruptions, or medical emergencies, travel insurance can give you a safety net when you’re far from home — without paying all that much. 

Let’s explore how much travel insurance costs, how to get the best deal, and some of the best-priced travel insurance policies.

The 4 Best Cheap Travel Insurance Policies by Type

These travel insurance plans offer a good balance of cost and value. As comprehensive travel insurance, these policies cover unexpected travel costs such as trip cancellation, delays, and travel medical coverage . 

Consider some of your options for budget comprehensive travel insurance:

Young, single travelers have the best shot at cheap travel insurance. You only need to purchase coverage for yourself; your age is an advantage for medical coverage compared to older travelers. 

We quoted a 23-year-old traveler visiting Japan, and the cheapest comprehensive travel policy was the Go Ready Choice policy $29 from Aegis Insurance . Coverage includes trip cancellation and interruption, travel delays, baggage loss or delay, missed connections, COVID-19, and medical emergencies and evacuations. You’re even covered if you’re laid off from work. Read our Go Ready travel insurance review for further details.

If you’re traveling as a family, getting a travel insurance policy that covers all your family members is best. For a family of 4 with parents in their 30s and 2 kids visiting Germany for 2 weeks, the WorldTrips Atlas Journey Preferred policy is $139 . 

This policy covers the entire family and offers travel insurance with COVID-19 coverage , trip cancellation and interruption, medical expenses, and medical evacuation. 

While the WorldTrips Atlas Journey Preferred policy isn’t the absolute cheapest family travel insurance, it is the cheapest comprehensive travel insurance plan for families. Lower-cost policies were missing key coverage, such as COVID-19, trip interruption, and medical evacuation.

Buying an annual travel insurance plan to cover multiple trips within a year can offer savings compared to buying a new policy each time. Nationwide’s Annual Travel Pro Plan covers all your travel for a year. 

For a 35-year-old traveler from Florida, the Nationwide Annual Travel Pro Plan is $59 . That offers loss and delay coverage for your baggage, trip delay, emergency medical coverage and evacuation, and 24-hour emergency assistance. However, it doesn’t cover trip cancellation or interruption.

For more comprehensive coverage, you can opt for trip cancellation and interruption coverage starting at a $1,250 limit, with a total policy cost of $145 for an entire year.

Read our Nationwide Travel Insurance review for more information.

The Aegis Go Ready Choice policy is a good option for cruise travel insurance , offering trip cancellation and interruption coverage, medical emergencies and evacuation, and COVID-19 coverage. A single-trip policy for a 30-year-old from Florida traveling to Mexico is $30.27 .

Age is a major factor in travel insurance policy costs; seniors generally pay more for coverage than younger travelers. Still, it’s possible to get affordable travel insurance for seniors .

A Seven Corners Trip Protection Basic plan is $130 for a 75-year-old traveler from California visiting Mexico. It offers coverage for trip cancellation and interruption, medical emergencies and evacuation, and COVID-19.

If you’re looking for cheap travel insurance, you might consider not getting travel coverage at all. But if you have nonrefundable travel costs at risk, or your regular health insurance doesn’t offer coverage at your destination, it could be a costly mistake to skip out on travel insurance coverage. 

Forfeiting nonrefundable travel expenses if you need to cancel your trip could cost far more than a cheap travel insurance policy. And getting medical care, especially emergency medical treatment or evacuation, can be particularly expensive. Even a budget travel insurance policy can protect you from catastrophe when the unexpected happens on your travels.

A travel insurance policy could be as cheap as $30 for a single trip or $59 for multiple trips throughout the year, which is far less than you could lose from trip cancellation or unexpected medical expenses.

Expect to pay between 5% to 10% of your total trip cost for a comprehensive travel insurance premium. Generally, that’s about $250, though factors such as your age and destination affect how much you’ll pay for your premium. 

For example, a 35-year-old traveler pays an average of $122 for travel insurance, while a 95-year-old pays an average of $415.

The main factors influencing your travel insurance premium include:

• Policy type
• Total trip cost
• Total coverage amounts
• Travel length
• Traveler age

Learn more about travel insurance costs in our guide to the average cost of travel insurance .

Travel insurance usually covers all or most of the mishaps that can affect your travel . It can cover you whether you need to cancel your trip before leaving, if you head home early, or if you get emergency medical care at your destination. You can also get coverage for trip delays, lost or delayed baggage, rental car coverage, and more. 

But all travel insurance isn’t the same, and you can often customize plans to meet your needs . For example, if your bookings are refundable, you might not worry too much about trip cancellation and interruption coverage. However, you may still want medical coverage because your health insurance isn’t accepted at your destination. 

Generally, there are 2 types of travel insurance: comprehensive travel insurance and travel medical plans . Comprehensive travel insurance tends to cost more than travel medical plans because it offers more extensive coverage, though your actual cost depends on your chosen plan.

Comprehensive travel insurance often covers:

• Lost, stolen, or delayed baggage
• Medical emergencies
• Rental car damage
• Trip cancellation, interruption, and delays

Travel medical insurance often covers:

• Emergency medical expenses
• Medical evacuation
• Unexpected illness or injury

Comprehensive travel and medical insurance are available as single-trip or multi-trip policies . A single-trip policy covers just 1 trip, while a multi-trip policy covers all the trips you take within a defined period. It’s common to get a multi-trip policy for a full year, so these policies are often known as annual travel insurance policies .

With a travel insurance policy, you may be able to add optional coverages, including:

• Adventure sports
• Cancel for Any Reason or interruption for any reason
• Pet coverage
• Preexisting conditions

You can’t control all factors, such as your age, that influence the cost of your travel insurance policy, but there are a handful of things you can do to get the best deal on travel insurance:

• Buy Your Policy Soon After Booking: Purchasing your travel insurance policy right after you book your trip won’t necessarily be cheaper than buying it later. Still, you’ll have more policy options the sooner you book, and you’ll get more value out of your trip cancellation coverage because your nonrefundable bookings are protected once you get your policy.
• Compare Multiple Quotes: The more travel insurance plan options you can compare, the better. Get quotes from at least 3 travel insurance companies to compare your costs and coverage, and consider using a travel insurance comparison website such as Squaremouth , where you can enter your information once to get policy options from several travel insurance companies.
• Consider Your Needs: Having a good idea of what coverage you need can help you right-size your travel insurance policy. For example, you may just need basic coverage for domestic trips. In contrast, you might need more extensive emergency medical and evacuation coverage for traveling abroad to a destination with limited medical care.
• Choose a High Deductible: You’ll pay your deductible before your insurance coverage pays out. The higher your deductible, the more you’ll pay if you need to use your coverage, but your policy premium will be lower with a higher deductible.
• Choose Lower Coverage Limits: Be realistic about how much you might need your travel insurance to pay out. Do you really need $500,000 in emergency medical evacuation coverage?
• Consider an Annual Travel Insurance Policy: If you plan to take multiple trips throughout the year, the cost of your premium might be lower if you buy a multi-trip policy rather than a new policy each time you travel.
• Check Your Credit Card Benefits: Credit cards may offer travel insurance protections as a cardholder benefit. These may include trip cancellation and interruption, emergency medical care and evacuation, trip delay, lost or delayed baggage, and rental car damage.
• Look for Discounts: Travel insurance companies may offer discounts for students, seniors, or members of certain organizations such as AAA or AARP .

Adding the expense of travel insurance might give you pause if you’re seeking budget travel. But the value that cheap travel insurance can offer extends beyond its cost. Travel insurance, even low-cost travel insurance, can protect you against costly financial burdens and travel disruptions. 

Understanding your coverage needs, adjusting your deductibles and coverage limits, and shopping around for the best quote can go a long way to helping you secure the best deal on travel insurance.

Frequently Asked Questions

What is the cheapest travel insurance.

The cheapest travel insurance generally only covers medical emergencies. Known as travel medical insurance, this type of travel insurance policy is typically not comprehensive and doesn’t cover common travel insurance benefits such as trip cancellation and interruption. But it is often available at a very low price and can offer value if you’re concerned about emergency medical costs while traveling.

Is the cheapest travel insurance the best travel insurance?

The cheapest travel isn’t necessarily the best — or the worst. Travel insurance with good coverage may be low or moderately priced. It’s a good idea to compare coverage levels for policies within your budget to find the best travel insurance at any price.

Do cheap travel insurance plans include COVID-19 coverage?

Travel insurance policies frequently include COVID-19 coverage, including low-priced travel insurance. Still, you should always verify your coverage to know what’s covered and what’s not.

What are the different types of cheap travel insurance?

Travel insurance generally has 2 types: comprehensive and medical insurance. Within those types, you can choose to get a single-trip or multi-trip policy that covers you for multiple trips, usually over a year. These travel insurance policies may have additional coverage options, such as Cancel for Any Reason, preexisting condition, or adventure sports coverage for an extra cost.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
• con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
• con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
• con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

• Life insurance products include term and permanent life
• Ranks highly for customer satisfaction

State Farm Life Insurance takes the top spot in JD Power's life insurance customer satisfaction study . JD Power gathers thousands of consumer reviews and gives each insurer a score out of 1,000. State Farm offers a range of insurance products, including auto, life, pet, homeowners, and renters, with multi-policy discounts and other incentives to keep your insurance there.

Some policies exclude seniors over age 65 from applying for the first time. But all life insurance policies are quoted by licensed insurance agents employed by State Farm. Meeting with a State Farm agent allows buyers to communicate goals and needs and answer critical questions agents might have. In addition, qualifying seniors can access limited whole, term, and universal life policies. State Farm is among the companies also offering survivorship universal options. Essentially, spouses can get insured together, and a surviving spouse can continue to make payments and increase the death benefit. Both spouses can also take out loans and other withdrawals against the policy once they meet the requirements.

K of Clewiston, FL, a verified reviewer on ConsumerAffairs , said, "State Farm is the best insurance company out there. They have great Life Insurance Policies to fit your needs…..Also, their prices are the most reasonable out there."

Read our State Farm Life Insurance review here.

Best for term life insurance: Mutual of Omaha

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. diverse whole and term life insurance options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong financial ratings and company history
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide range of riders to customize plans
• con icon Two crossed lines that form an 'X'. online applications not available for term applicants
• con icon Two crossed lines that form an 'X'. May not provide strong investment options for retirement

Mutual of Omaha Life Insurance  remains one of the industry's most stable life insurance companies. Its size allows it to be more flexible in its underwriting for specific populations, including seniors. Regardless of your age, a licensed insurance agent can sort through your options and find one that makes sense.

However, its term life insurance policy stands out for seniors applying for the first time or younger buyers looking to renew term life policies. Term life insurance policies with Mutual of Omaha are renewable for qualifying applicants up to age 94. Of note, not all applicants will qualify to renew policies beyond any age, as approval is based on health history and other factors. Many life insurance policies also require a medical exam. However, Mutual of Omaha stands alone as it does not cut off term life buyers over 65.

One important thing to highlight is Mutual of Omaha's availability to resolve consumer issues, even when it's not the company's fault. For example, Roger of Eagle, AK, originally left a complaint on ConsumerAffairs , and the company promptly responded. He later updated his review, saying, "Thank You Mutual of Omaha! Physicians Mutual Dental has informed me of my mistake. You are a fine company serving the life insurance needs of USA citizens and expats as well."

Mutual of Omaha Life Insurance Review

Best for retirement planning: New York Life

Offers aggressive financial products and extensively trained agents.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
• con icon Two crossed lines that form an 'X'. May require a medical exam
• con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

• Life insurance provider with policies available across the US

New York Life Insurance  caters to a forward-thinking customer. It offers many robust investment options. So its agents are extensively trained to answer all questions about its policies. Questions could be as simple as what penalties you'll pay to take early withdrawals or loans from your life insurance policy.

Like other retirement planning vehicles, the earlier you start, the better. Premiums will be lower, and you can apply for a large payout. But if you can afford higher premiums at a later age, New York Life still offers comprehensive policies with loans and early withdrawal options to take you into retirement. Riders can also customize its coverage. For example, whole life customers can buy a living benefits rider to withdraw money in the event of a terminal illness. Buyers can also add an accidental death rider until age 70 for an extra death benefit for loved ones. This satisfies borrowers who want stability but like the idea of a higher payout should they die in their prime working years.

New York Life's knowledgeable agents are highlighted by William of Starks, Louisiana, on ConsumerAffairs , saying, "They are willing to help and pay without hassle. They make sure all your needs are met. They check with you often to make sure your policy is up to date. If at anytime there are questions that need addressing they are readily available to help."

Read our New York Life Insurance review here.

Best for end-of-life care: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Accelerated death benefits available for policyholders with terminal illnesses
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term and permanent life insurance options available for seniors
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Life insurance options for applicants with diabetes
• con icon Two crossed lines that form an 'X'. Pricing may be higher than competitors for buyers under 50
• con icon Two crossed lines that form an 'X'. Some policies not available in all 50 states

John Hancock Life Insurance is among many life insurance companies offering an accelerated death benefit, or "living benefits." Even if you don't want to use your life insurance for retirement planning, you have early withdrawal options to keep you comfortable in the event of a terminal illness. Buyers can exercise the rider at any age as long as waiting periods and other terms are met.

If you develop a qualifying condition, John Hancock will pay 50-100% of your qualifying death benefit while you're still alive. However, it caps accelerated death benefit claims at $1 million if you expect to live a year or less. This could help balance costly medical bills and end-of-life costs beyond what social security or disability payments would comfortably cover.

Read our John Hancock Life Insurance review here.

Best for flexibility: USAA

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing starting with $12/month on some policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May offer coverage to military members other companies won't cover
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers term and permanent life insurance options
• con icon Two crossed lines that form an 'X'. 2 year waiting period for full benefits on some policies
• con icon Two crossed lines that form an 'X'. May focus on death benefits only more than other companies
• con icon Two crossed lines that form an 'X'. All permanent policies are underwritten and serviced by other companies, not by USAA
• USAA offers life insurance for the military, veterans, and the public.

USAA Life Insurance  policies are available to Americans from all walks of life, including military and non-military buyers. However, it offers unique whole life coverage to active duty military members beyond the government's equivalent of employer life insurance. USAA policies stick with the buyer wherever they work. With options for active duty military members, USAA is common among veterans with combat-related illnesses and disabilities sustained during deployment. Of course, buyers purchase these policies before the conditions become apparent.

USAA is among the limited life insurance providers still offering coverage with a history of cancer. Of course, not all buyers will qualify, and policy options are limited. Accounting for state laws, USAA life insurance policies may also pay out after a drug overdose (frequency may increase with more daily medications to treat age-related conditions) when other life insurance companies refuse. For seniors looking for a bit of flexibility, USAA could be an ideal option.

Read our USAA Life Insurance review here.

Best for universal life: Prudential

Offers aggressive financial plans.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
• con icon Two crossed lines that form an 'X'. Financial returns are limited
• con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Prudential Life Insurance  offers survivorship options for life insurance shoppers. Unlike a standard life insurance policy, it covers two people. When one person passes, the policy continues growing as long as the surviving spouse continues making payments. The policy can increase to $65 million with a maximum age of 85. The two insureds cannot have an age gap of more than 25 years.

The PruLife SUL Protector program encompasses multiple categories such as the Preferred Best, Preferred Smoker, and Preferred Non-Tobacco. Universal life insurance policies with Prudential allow loans. So both parties can pull money out of the policy via loans at the cost of the final death benefit.

Read our Prudential Life Insurance review here.

Best for guaranteed issue: AIG

Get $250,000 of Term Life Insurance Coverage for as low as $13 per month.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Guaranteed life insurance available for seniors between 50 and 80
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High financial strength and customer service ratings
• con icon Two crossed lines that form an 'X'. Some policies only have benefits up to $25,000
• con icon Two crossed lines that form an 'X'. AIG may not offer more extensive death benefits for seniors

AIG Life Insurance cannot deny your application if you fall within the set age limits. That's thanks to guaranteed issue : two words many seniors and even younger applicants aren't used to hearing about life insurance. Seniors aged 50 to 80 enjoy guaranteed coverage with no medical exam, and the application is 100% online.

AIG policies are small, maxing out at $25,000. So this would be appropriate for funeral expenses and/or a small death benefit for surviving family members.

Read our AIG Life Insurance Review here.

Senior Life Insurance Options Ranked by Customer Satisfaction

J.D. Power conducts an annual study of life insurance based on reported customer satisfaction. Then it assigns companies a score out of 1,000, listing the top performers on its website. So if you're shopping for life insurance, the following companies are the ones J.D. Power readers had positive experiences with.

Our life insurance rating methodology looks at a few key factors. To ensure a fair and even playing field for insurance companies and customers, we look at customer satisfaction, financial stability, types of policies offered, average premiums, coverage exclusions, and more. We also factor in recent controversies and ways an insurance company may engage with and improve its community.

Factors such as customer satisfaction and average premiums are equally weighted. However, we are aware not all charitable efforts are recognized, and not all controversies are based on facts, so a company's engagement with its community and recent controversies are considered separately.

See our full methodology for how we rate insurance »

Life insurance could be worth it over 65, especially if you have a spouse and no other plans to cover end-of-life expenses.

The best type of life insurance for seniors will generally be a whole life insurance policy that doesn't expire. Whole life insurance also accrues a cash value over time which you can borrow against or use to pay premiums.

According to AARP, it takes 1-2 months on average for the company to pay out a life insurance policy.

If you are 75 or older and don't have a life insurance policy, it is still worth buying life insurance to cover end-of-life costs, but keep in mind that your options may be more limited (and more expensive) if you wait this long to find a policy. 

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

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

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