apia travel insurance for seniors

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Travel Insurance

Best travel insurance for seniors in May 2024

Amy Fontinelle

Heidi Gollub

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

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

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Top-rated travel insurance for seniors

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

• Excellent $500,000 per person in primary emergency medical coverage.
• Very good emergency medical coverage of $500,000 per person.
• Eligible for pre-existing medical condition exclusion waiver if conditions are met.
• “Cancel for any reason” coverage of 75% available.
• No “interruption for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Lowest baggage and personal item loss coverage of our top-rated senior plans.
• Lowest travel delay coverage of our top-rated senior plans.
• No rental car coverage option.

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

• Second-cheapest of our best senior plans.
• Best-in-class medical evacuation coverage of $1 million.
• Pre-existing condition coverage available if conditions are met.
• Baggage loss coverage of $2,000 per person is the best among our top senior plans.
• No “interruption for any reason” coverage upgrade available.
• Travel delay benefit takes 12 hours to kick in.
• Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

• Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
• Great “interruption for any reason” coverage of 75% available.
• The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

• Top-notch $1 million per person in medical evacuation coverage.
• Solid baggage loss coverage of $2,000 per person.
• “Cancel for any reason” coverage of 75% available.
• Baggage must be delayed for 12 hours before benefits kick in.
• Missed connection coverage of $1,000 per person only applies to cruises and tours.
• Emergency medical expense benefit is secondary coverage.

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

• If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
• High travel delay coverage of $2,000 per person ($250 per day limit).
• “Cancel for any reason” coverage of 75% is available.
• Low missed connection benefit of $500 per person for cruises and tours only.
• No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Via TravelInsurance.com’s website

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

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

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

• Trip cancellation insurance . 
• Trip delay insurance.
• Trip interruption insurance. 
• Travel medical insurance. 
• Emergency medical evacuation .
• Baggage loss and delay coverage.

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

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

• Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19 . 
• Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
• Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
• Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
• “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

• What is travel insurance?
• What does travel insurance cover?
• Average cost of travel insurance
• Is travel insurance worth it?
• Best COVID travel insurance
• Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

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

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

Christine Krzyszton

Senior Finance Contributor

308 Published Articles

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

Keri Stooksbury

Editor-in-Chief

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Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

• You, a family member, or travel companion becomes seriously ill and you must cancel your trip
• You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
• You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

• Emergency medical coverage
• Emergency evacuation
• Trip cancellation, trip interruption , and trip delay
• Baggage insurance and personal effects coverage
• Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

The Cost of Travel Insurance

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

Preexisting Conditions

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Travel Insurance and Medicare

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

COVID-19 and Travel Insurance

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

World Nomads — Best For Active Seniors

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz — Best for Annual Multi-Trip Policies

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Best for Covering COVID-19 Cancellations

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

• John Hancock
• Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Best for Preexisting Conditions

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

• Lost, stolen, or damaged luggage insurance
• Car rental insurance
• Roadside assistance
• Travel accident insurance
• Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® also come with valuable emergency evacuation coverage. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

Since travel insurance is widely available, even for seniors over 65, the best policy can be found by comparing companies and policies.

Using a travel insurance comparison site such as SquareMouth, InsureMyTrip, or TravelInsurance.com can assist you in comparing coverages and costs between only highly-rated financially stable travel insurance companies.

If you travel more than once per year, consider an annual, multi-trip, policy that covers any trip you take during the policy period.

Does travel insurance cover COVID-19?

Travel insurance is meant to cover unforeseen events. Once COVID-19 was declared a pandemic, it became a known event and is not covered as a reason for canceling your trip plans.

However, there are situations where COVID-19-related claims can be covered. If you become ill with the virus before or during your trip, you may be covered for trip cancellation, trip interruption, or emergency medical.

Does travel insurance cover preexisting medical conditions?

A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no recent treatment has been sought. Requirements vary by travel insurance provider.

Also, many companies allow you to purchase a waiver that will then cover you for preexisting conditions.

Does credit card travel insurance cover flight cancellations?

The trip cancellation, interruption, or delay coverage that comes with your credit card does not cover voluntary flight cancellations.

The coverage does cover some flight cancellations due to unforeseen events such as becoming ill prior to, or during your trip. Coverage varies by credit card issuer but you will find a list of specific covered events in your card’s guide to benefits.

You can also call the number on the back of your card and speak with the claim administer.

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About Christine Krzyszton

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

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Best Travel Insurance for Seniors in May 2024

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Traveling at any age can be a stress-inducing event, especially when you’re leaving the country. For that reason, many travelers opt to purchase travel insurance before they go.

Depending on your age, you may want to consider different types of coverage, whether that’s one oriented to emergency medical care or one refunding you in the event your plans change.

To make sure you’re covered, we’ve compiled a list of the best travel insurance for seniors. Here’s which companies made the cut:

Trawick International . 

Nationwide .

Travel Insured International .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance plan can be overwhelming, especially when there are so many options. To whittle down the choices for top dog, we took a few factors into consideration:

Available policy types . Depending on the type of plan you’re interested in, not all insurance companies may work for you. Some won’t offer emergency medical coverage, while others provide only a fixed amount of reimbursement. 

Policy coverage limit . Are you interested in comprehensive coverage or the bare minimum? If you’re heading out on a longer trip, a higher maximum may be more prudent. 

Exclusions . Many travel insurance companies will exclude pre-existing conditions as well as coverage for risky activities. 

Cost . With a huge range in costs, we focused on plans that provided value for money. 

Website usability . Nothing is more frustrating than trying to make a claim through a clunky website, which is why we’ve included this. 

Customization . Cancel For Any Reason, rental car, accidental death and dismemberment (AD&D), sports coverage, rented electronics coverage — the more customizations a plan offers, the better. 

Of course, the most important thing is that you find a plan that suits your needs. If you’re not planning on taking a cruise, then choosing a plan with cruise coverage makes no sense.

What to know before you shop

No matter your age, you’ll want to make sure you compare a variety of plans before purchase. However, as an older adult, this advice is more pertinent than ever. As you’ll see below, coverage levels and costs can vary hugely between insurance companies.

Policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

A simple way to compare multiple quotes at once is through a travel insurance aggregator, such as Squaremouth. This website allows you to type in your details just once, then spits out plan options from multiple businesses so you can peruse them easily.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

To find the best travel insurance for seniors, we generated quotes from a variety of companies. Our sample trip consisted of a 65-year-old from California heading to Spain for 10 days in August 2024. The total trip cost was $8,000.

Among our top companies, the average cost for a plan cost $389. However, that number is skewed slightly by Travelex Insurance Services, whose Travel Med program offers medical protection but is otherwise limited.

Here is the basic coverage cost, broken down by provider.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different levels of coverage.

Comparing these coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

1. Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

What makes Travelex great:

Plan is much cheaper than average.

Offers emergency medical insurance. 

Medical coverage is primary. 

Here’s a snippet from our Travelex review :

“Travelex’s primary goal is to provide travel insurance protection that’s personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from Travelex. However, keep in mind that its Travel Med plan doesn’t include trip cancellation insurance , and its policy limits are fixed rather than a percentage of what you’ve paid. This means you’ll get up to $1,000 for trip interruption and a maximum of $10,000 in emergency medical.

If you want insurance for things like baggage delay, you'll need to purchase a different plan.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

What makes IMG great:

100% reimbursement for trip cancellation.

125% reimbursement for trip interruption.

Lower-than-average cost.

Here’s a snippet from our IMG review :

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

Be aware that IMG’s iTravelInsured Travel Essential plan, which we looked at, doesn’t include any emergency medical coverage , so you’ll want to make sure you’re protected elsewhere.

3. Trawick International

• Many different plan options.
• CFAR available as an add on.
• Specialty coverage for adventure sports (SafeTreker Basic).
• Reports of long resolution processes.
• Low customer service rating on SquareMouth.

What makes Trawick great:

Primary medical coverage.

High limit for medical evacuation .

Pre-existing conditions covered.

Here’s a snippet from our Trawick review :

“Trawick International has been in business for about 25 years and is a legitimate travel insurance provider. Trawick International reviews on Trustpilot and Squaremouth are generally good, with scores around 4.5/5 and 4.15/5, respectively.”

For those who aren’t familiar with these terms, primary coverage means this entity is the first one to pay out; secondary means the insurance will only cover costs not already paid for by other policies.

At the lower end of costs for our quote — though still above average — Trawick still provides a hefty $50,000 in primary medical coverage with its Safe Travels Defend plan.

• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

What makes AXA great:

$100,000 emergency medical limit.

Here’s a snippet from our AXA insurance review :

“The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.”

With $100,000 in primary medical coverage and the inclusion of pre-existing conditions , those who have ongoing health issues may want to opt for AXA Gold’s comprehensive coverage.

5. Nationwide

What makes Nationwide great:

Reimburses cruise excursion changes.

150% reimbursement for trip interruption. 

Eligible sports and other activities covered. 

Here’s a snippet from our Nationwide review :

“Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy.”

Nationwide’s Cruise Choice plan includes comprehensive coverage for all your trip needs. However, it’s at its best for those who plan to cruise, since it offers unique insurance should problems arise. This even includes a payment for you if you’re inconvenienced by a ship breakdown.

» Learn more: Is cruise travel insurance worth the cost?

6. Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

What makes Travel Insured International great:

Multiple customizations available.

Offers a Cancel for Work Reasons upgrade option.

Rental car insurance is included in the quote, but is generally sold as an upgrade. 

Here’s a snippet from our Travel Insured review :

“Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.”

Travel Insured International’s Worldwide Trip Protector Edge plan offers a great deal of flexibility. Along with full-scale trip protections and medical coverage, you can also choose to double your policy limit for medical care or add on Accidental Death and Dismemberment coverage for your flight.

Check your card for existing travel insurance

Many travel rewards cards, such as the Chase Sapphire Reserve® and The Platinum Card® from American Express , offer some kind of trip protection, see more on their benefits in the comparison module below. Terms apply.

Having one of these in your wallet is a good start to protecting your trip-related investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

» Learn more: The best travel credit cards right now

Best travel insurance for older adults recapped

We’ve done the work for you to figure out the best travel insurance for seniors, whether you’re looking to hop on a cruise or want comprehensive coverage for the trip you’re about to take.

American Express travel insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

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

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

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

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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

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

Best senior travel insurance companies

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

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare the best travel insurance for seniors

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

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

Best overall: Allianz

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

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

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

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

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

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

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

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

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

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

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

Read our World Nomads Travel Insurance review here.

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

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

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

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

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

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

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

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

Types of coverage

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

Benefits of travel insurance for seniors

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

Making the most of your plan

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

Understanding your policy

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

Emergency assistance services

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

How to pick senior travel insurance

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

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

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

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

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

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

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

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

You can read more about our insurance rating methodology here.

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

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

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

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

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

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

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

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

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

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

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

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Apia Travel Insurance Review

By David Jones

Last updated on March 3rd, 2022

Read Here for Our Apia Travel Insurance Review:

Apia Travel Insurance is tailored specifically to travellers over 50 years old. Whilst they’re an excellent insurance company in general, Apia offers the best protection to seniors and those of advancing age.

Apia travel insurance offers a variety of protections and benefits against a range of travel risks. Here’s what you need to know.

Who is Apia?

Australian Pensioners Insurance Agency , or Apia, has offered insurance for over 30 years. They are part of the Suncorp Network, which offers different varieties of insurance.

The company does not limit itself to travel insurance. They offer a wide range of products, including:

• home insurance
• travel insurance
• funeral insurance
• health insurance
• motorhome insurance
• caravan insurance
• car insurance
• boat insurance
• motorcycle insurance

They boast a 700,000 customer base under their umbrella, many of whom are part of their other insurance offerings.

What Policies Does Apia Offer?

Apia offers both domestic and international travel insurance for individuals and families. Their travel insurance offers four types of coverage: comprehensive cover, baggage, cancellation, and cancellation and baggage.

Many of their insurance options are available to everyone, except their cancellation and cancellation and baggage, which are only available to Australians.

Their comprehensive travel insurance offers a myriad of different benefits. These include cancellation, baggage, emergency baggage, and travel documents. They also cover cash travellers’ cheque, credit cards, overseas medical, personal liability, accidental death, emergency expenses, and more.

Apia’s baggage coverage is limited to accidental loss, damage, and/or theft. They also offer products with several regional coverages, including Australia, South Pacific, East Asia, and worldwide.

Pros of Apia Travel Insurance

Apia offers a variety of benefits that most Aussie travellers would love to have. For starters, their coverage is expansive. They cover cancellations, provide emergency allowances and even personal medical expenses abroad.

Their overseas coverage is extensive as well, with unlimited medical coverage for both single policies and family policies. Their policies are also generally favourable in price and allow for premiums to be adjusted accordingly.

Filing for claims is also generally easy with Apia, as long as the documents are available and policy documents are there. Staff support is available 24/7. Note that they will require necessary documents, especially for cases involving theft, burglary, or malicious damage.

Some of the factors that can affect your Apia travel insurance premiums include:

• Length of time of travel
• Amount of excess
• Level of baggage cover
• Pre-existing medical conditions
• Countries where you’re travelling

Much of the claims with Apia will result in payment, replacement, or repair of customer property.

Cons of Apia Insurance

Apia has a ton of limitations in general, especially for their customer base. For one, Apia only offers single policies to customers over 50. Family policies would need to have someone over 50 to allow coverage. This severely limits their audience base and the customers who can take advantage of their great offers.

Besides, Apia has an extensive list of circumstances where they will not offer a payout. Many of these situations make sense, but many issues are still often questionable.

For starters, their travel insurance doesn’t cover the cost of fares or accommodation resulting from the loss or theft of your travel documents. They also don’t cover the loss if it results from your participating in hunting, racing, hang gliding, and a range of other adventure activities.

Coverage for pre-existing conditions is also tenuous. This can be a problem, especially for senior customers who will likely have many existing health concerns.

Is Apia Travel Insurance Worth It?

If you’re over 50, Apia is among the best travel insurance options you can find. Many of their policies specifically offer the best covers for seniors who want to travel.

Suppose you can’t get Apia because you’re below 50 or don’t have a relative over 50. In that case, there are other travel insurance options for you. Compare different travel insurance policies online and see which one works for you.

Our Apia Travel Insurance Review is just one of many. You can also read many more Travel Insurance Reviews at MakesCents .

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3 Best Travel Insurance Options for Seniors

Seniors should consider travel insurance since they may experience a medical emergency and need a medical evacuation. When choosing travel insurance, be sure to research each plan's medical coverage, including preexisting conditions, emergency assistance, evacuations, and non-medical coverage, such as lost luggage and trip cancellations .

Discover and compare three of the best travel insurance companies offering seniors standard and tailored coverage for your needs.

Key Takeaways

• Travel insurance can be particularly valuable to seniors, who generally experience more health issues than younger travelers.
• When preparing for a trip, consider the best travel insurance plans that cover medical emergencies and potential transportation costs.
• Other coverages to consider are transportation for potential evacuation and toll-free calls for medical advice back home.

When preparing for a trip, individuals should consider the best travel insurance plans that cover medical emergencies, plus these offerings:

• Trip cancellations : Besides personal reasons, a trip may be canceled due to weather disturbances and other unforeseen circumstances that can leave travelers on the financial hook.
• Stolen luggage : In addition to clothing, luggage may contain medicines and other valuable items that travel insurance should cover.
• Preexisting conditions : Those with preexisting medical conditions may need to purchase waivers if their basic travel insurance doesn’t provide holistic coverage.
• Medical emergencies : Because seniors are more subject to medical emergencies than younger travelers, they should secure full medical coverage that pays for potential transportation costs.
• Medical evacuations : Medical coverage might not automatically pay for transportation in the event an evacuation necessitates an emergency trip back home.
• Travel advice/emergency assistance : In the event of a language barrier, senior travelers may need to make toll-free calls to obtain medical advice in their native tongues.

Typically, travel insurance costs 4% to 10% of the total cost for the trip, meaning a $10,000 trip could cost you $400 to $1,000 for travel insurance.

It is vital to thoroughly scrutinize policies, which often mandate the purchase of coverage at least 10 to 14 days before starting travel dates. Ensure there is a free look period , with an option to cancel and receive a full refund. Other important fine print items include:

• Exceptions. No single insurance policy covers all expenses, so it’s wise to examine the exceptions listed in the fine print to learn about hidden additional costs. 
• Exclusions. Exclusions restrict coverage in certain situations, such as self-inflicted injuries, trauma from extreme sports like bungee jumping, or losses incurred due to intoxication or criminal activity. 
• Incomplete Documentation. When filing a claim, be sure to fill out the paperwork thoroughly and accurately. Failure to do so may result in delayed or canceled coverage. 

If a U.S. citizen becomes ill or seriously injured abroad, the U.S. State Department can help locate medical services, contact family, and transfer money. Contact the U.S. embassy within the country you're visiting if you need a list of medical providers, but the State Department will not pay overseas medical bills.

Online brokers offer advantages over travel agents or booking sites when purchasing travel insurance because the former lets you compare various plans and choose the most suitable one. Online brokers also feature sales reps who can present sample policies and answer individual coverage questions.

The following four popular online brokers top the list:

• InsureMyTrip : This site lets users compare hundreds of policies from 20 carriers .
• TripInsuranceStore : This site offers side-by-side policy comparisons from ten different insurers.
• QuoteWright : Quotewright screens insurance companies before listing them to provide an additional quality control layer. The site lists 12 insurance companies.
• Squaremouth : This site offers more than 90 policies from 32 providers and features thousands of customer reviews.

The following companies consistently offer highly-rated travel insurance offerings:

• Travel Guard Travel Insurance : In addition to offering standard cancellation coverage, this company features plans that cover preexisting conditions and full medical expenses. Users may tailor plans to meet their individual needs. This provider’s underwriter is National Union Fire Insurance Company, which boasts an AM Best rating of A, which is considered excellent.
• Travelsafe Travel Insurance : Travelsafe offers basic, classic, and classic plus full-featured plans, all of which offer both trip and medical coverage, with a full menu of options. This insurer has a BBB rating of A+.
• Allianz Travel Insurance : This provider covers domestic and international travel, including cruises. Coverage options include medical emergencies, trip cancellation, lost baggage, rental cars, and change fees. The company is underwritten by BCS Insurance Company, which has an A rating. Allianz has a BBB rating of A+.

Should Seniors Buy Travel Insurance?

Seniors should consider travel insurance since they are more likely to experience a medical emergency and need a medical evacuation versus younger travelers. However, comparing plans, coverages and limits is essential before buying travel insurance.

What Are the Three Top-Rated Travel Insurance Companies?

• Travel Guard Travel Insurance offers tailored plans for your needs, plus coverage for preexisting conditions and full medical expenses.
• Travelsafe Travel Insurance provides plans with trip and medical coverage within their basic, classic, and classic plus, as well as full-featured plans.
• Allianz Travel Insurance provides coverage for medical emergencies, trip cancellations, rental cars, and lost baggage for domestic and international travel, including cruises.

What Coverage Should Be Included in Travel Insurance for Seniors?

When choosing travel insurance, seniors should consider plans that cover medical costs, including preexisting conditions, medical emergencies, emergency assistance, evacuations, transportation costs, and non-medical expenses, such as travel advice, trip cancellations, and stolen luggage.

Travel insurance costs typically range from 4% to 10% of a trip’s total cost. It’s important to remember that Medicare generally does not provide coverage outside the U.S . Finally, online brokers can help source the most suitable insurance for seniors.

The Washington, D.C. Department of Insurance, Securities and Banking (DISB). " Taking a Trip? Information about Travel Insurance You Should Know before You Hit the Road ."

U.S. Department of State. " Your Health Abroad ."

SevenCorners. “ Travel Insurance Companies vs. Travel Comparison Sites .”

SquareMouth. “ Travel Insurance Providers .”

AM Best. " AM Best Upgrades Issuer Credit Ratings for American International Group, Inc. and Its Property/Casualty Subsidiaries ."

Better Business Bureau. “ TravelSafe Insurance ."

AM Best. “ BCS Insurance Company .”

Better Business Bureau. " Allianz Global Assistance ."

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

How can I find affordable travel insurance when I’m over 65?

You might experience sticker shock when buying travel insurance as a senior. That’s because the price of insurance is based on statistical risk, and older travelers, as a group, are at a higher risk of health problems.

The price of travel insurance is also based on trip cost. So if you’re planning an expensive trip, and if you’re buying insurance for a spouse or travel companion as well, you might conclude that travel insurance is just too expensive. Don’t! Here are a few ideas for saving money on travel insurance when you’re 65+.

• Consider an annual travel insurance plan. Here’s a little-known travel secret: When you’re buying annual insurance, age does not affect the cost. It’s the same price whether you’re 25 or 75 years old, and it covers all your trips in a 365-day span! That’s why an AllTrips plan may be the best travel insurance plan for senior travelers who intend to take two or more trips in the next 12 months. There’s just one thing to keep in mind: AllTrips plans’ trip cancellation and trip interruption benefit limits are per insured, per year . So if your limit is $3,000, and you file a trip cancellation claim for $2,500, you’ll only be covered up to $500 for the rest of your plan’s duration. The AllTrips Premier plan offers tiered levels of trip cancellation/interruption, so you can opt for a higher plan maximum.
• If you’re traveling in the U.S., skip emergency medical. Emergency medical benefits are most valuable when you’re overseas, where Medicare doesn’t cover you. So if you’re planning a domestic trip, you can save a lot of money by purchasing OneTrip Cancellation Plus . This plan only includes trip cancellation, trip interruption and travel delay.
• Grandchildren can be covered for free. Traveling overseas with grandkids? You can save a lot of money with OneTrip Prime or OneTrip Premier . Both plans offer substantial benefits and cover children 17 and under for free when they’re traveling with a parent or a grandparent. These two plans also include a pretty amazing perk called SmartBenefits® . With SmartBenefits, you can get paid $100 per insured person, per day for a covered travel or baggage delay. You don’t even need to provide receipts—just proof of the delay.
• Remember: It’s better to have lower-limit travel insurance than none at all. If you’re having a hard time finding an affordable travel insurance plan for 65+ travelers, consider one with lower coverage limits. OneTrip Basic includes all the key benefits—emergency medical, trip cancellation, travel delay and more—and is economically priced.

Discover why every year, over 70 million Americans—including millions of 65+ travelers—trust Allianz Travel Insurance to protect their biggest adventures. Get a quote and buy a plan, so you can travel with confidence.

Related Articles

• Buying Annual Travel Insurance Over 65
• Skip-Generation Trips: Why 'Gramping' is Growing & Where to Go
• Airport Travel Tips for Seniors
• Medicare.gov

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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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Apia Travel Insurance

Our verdict: apiatravel insurance is no longer available, but there are plenty of alternatives to choose from instead..

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Who is apia, when did apia stop offering travel insurance, why did apia stop offering travel insurance, frequently asked questions.

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Apia is an Australian insurance company aimed specifically at people over 50. It offers a broad range of insurance products, including car and vehicle, home and property, CTP, health, and funeral insurance.

Apia is part of the Suncorp Group. It previously offered travel insurance but confirmed it would no longer do so in February 2021.

Apia announced it would be permanently ending its travel insurance offering in February 2021.

In 2021, Suncorp Group, the parent company of Apia, confirmed it was permanently stopping travel insurance across all brands.

"Suncorp Group announced we would permanently cease underwriting travel insurance under all brands in February 2021," a Suncorp representative told Finder. "This was part of our efforts to simplify our operations."

Can I still get an Apia travel insurance policy??

No. Apia stopped offering travel insurance in 2021 but you can compare alternative options using our travel insurance comparison tool .

Can I still get in touch with Apia?

Yes. You can call Apia on 13 50 50, Monday to Friday from 8am to 7pm AEDT or on Saturday and Sunday from 8am to 5pm AEDT. Alternatively you can use Apia online chat service or message Apia via facebook.

See travel insurance quotes and compare policies

Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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39 Responses

I am insured with Apia Health. I have an extended stay in Malaysia at present. I wish to travel to Thailand, Vietnam, Cambodia, for maybe 3 weeks.The countries are requesting COVID cover Insurance. I have no pre exisiting health problem and am a fit 78 year old. What avenue do you suggest.

Hi Geraldine,

You can find more information in the policy documents issued at the time of your application with Apia Health, or you can contact the provider directly for clarification.

If you aren’t covered for COVID on your existing policy, you can find a list of some insurers that do offer this cover on our Travel insurance that covers COVID guide .

Since you’re already overseas, you will need to confirm that your chosen insurer covers you when you’ve already started your travels.

Best, James

In January 2019 I am flying from Brisbane to Perth. Then boarding a ship for 5days sailing from Fremantle to Albany, Esperance then back to Fremantle. Then taking the Indian Pacific train from Perth to Sydney then flight to Brisbane. What type of insurance can you offer for a senior?

Thanks for reaching out to us at Finder.

Use may use our travel insurance search tool to generate quotes for cruise cover from various brands. Simply enter your travel details on the form – destination, travel period and age then get quote.

Your cruise policy works much the same as any other travel insurance policy. You are covered for the regions listed on your policy for the dates that you have selected. Please note that most insurers recommended that you select Pacific or South Pacific as your region in order to be covered for emergency medical expenses.

Please feel free to message us anytime if you have further questions on this.

Best regards, Liezl

HOPE TO TRAVEL TO USA FOR 3 WEEKS MAY 2018 AGES 84 M 78 F HOW MUCH APPROX TRAVEL INSURANCE.

Thanks for your inquiry.

If you are looking to apply for APIA travel insurance, you may visit their official website to request a quotation or speak to their representative for further assistance.

Alternatively, you may refer to our list of travel insurance for the USA from Australia . On the page is a comparison table you can use to see which insurer suits you. If you would like to compare policies from different travel insurance brands in our panel , please enter your travel details like destination, age, and dates of the trip into the form. Once you have done you can click on ‘Go to site’ button to head over to the insurer’s website.

Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

Hope this information helps

Cheers, Arnold

Hi my husband had an angiogram about 18 months ago which was good showing no problems with his heart. He takes medication for high blood pressure and cholesterol which are controlled well. Would he be covered for any potential cardiac problems under your policy when we travel to Europe next month. He is 64years old

Thanks for your question.

Apia travel insurance will not automatically cover your husband for his pre-existing medical condition. Moreover, they’ll require you to fill out and submit a pre-existing medical form request and meet a medical practitioner for assessment. You may refer to the section on getting a cover with a pre-existing condition above for the procedure and conditions.

Generally, travel insurance brands consider cardiac or heart problems to be strong risk factors for travel and exclude them from their automatic cover. However, there are still some insurers that will cover people with pre-existing heart conditions although these brands will require medical assessment as well. You may check our list of brands covering heart problem and their terms and conditions. You might also find our guide on travel insurance for pre-existing medical conditions helpful.

I hope this has helped.

Cheers, Liezl

Thanks for your question,

If you are the owner of the land or building you are occupying during your travel date, and certain circumstances arise where your property has caused bodily injury or property damage to a third party during your trip, this is not covered by the policy.

I highly recommend you check your personal liability insurance options to ensure you are getting the right policy for you.

I hope this helps.

Cheers, Anndy

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Receive a 10%* discount on travel insurance policies with a National Seniors Australia membership

Become a member today and discover a host of savings and benefits. T&Cs apply.

Travel Insurance

That's all about you.

With no age limits on most plans² and existing medical conditions automatically covered, you can relax and enjoy your trip.

Discover the National Seniors difference

Save 10% on travel insurance*.

National Seniors members receive a 10% discount on travel insurance policies*

Speak to a real person

Call 1300 50 50 99 to speak to a real person who understands you

Plans to suit your trip

Frequent traveller? Save time and money with our Annual Multi Trip Plan or explore our single trip plans.

Supporting older Australians

The profits from the sale of your policy helps fund our advocacy work and improve outcomes for older Australians.

Cruise with confidence

Some cruise cover is automatically included

Some cruise cover is automatically included in National Seniors Travel Insurance plans, whether it be an international or domestic trip.

Relax and know you're covered

Existing medical conditions.

We can provide automatic cover for over 40 existing medical conditions, provided all the criteria for that condition are met.

No age limits²

With no age limits on most plans, you'll never know when you might benefit from travel insurance.

Cancellation Costs

You can choose to be covered for trip cancellation up to a limit that best suits your plans.

Luggage & Personal Effects

We offer cover for accidental damage, theft or permanent loss of your luggage and personal effects.

Coronavirus

Cover for some coronavirus related events is available on all our international plans and our Australian Travel Plan.

Prefer to speak to a real person?

Call our friendly and experienced customer care team (monday to friday 8:30am to 6pm aest), what our customers have to say.

Lobo, 77 - VIC Travel Insurance Customer

Sinead provided excellent assistance in arranging my insurance cover for my travel next year. She had good product knowledge, very good interpersonal skills and always delivered what she promised within agreed timeframes. From a customer's perspective, personnel such as Sinead are great to deal with and should be valued and retained.

Carolyn, 78 - SA Travel Insurance customer

I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.

Harry, 71 - QLD Caravan Insurance customer

Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.

Angus, 79 - QLD Travel Insurance customer

What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.

Mandy, 73 - QLD Travel Insurance customer

I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.

Product Disclosure Statement

For information on what is covered and what is not covered, please refer to the Combined Financial Services Guide and Product Disclosure Statement.

How your policy helps older Australians

National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more. Modest profits from the sale of your policy help us create real change and a better future for all older Australians.

Save on Travel Insurance

Join National Seniors Australia today and receive a 10% discount on Travel Insurance policies*

National Seniors Australia members have access to a range of discounts, benefits and services to suit your stage of life. As a member, save with discounts, connect with like-minded members through our branches, receive our member magazine Our Generation, and access our Financial Information Consultant. For only $49.50, anyone can become a member and it only takes minutes to join. *The discount applies to the total National Seniors Travel Insurance premium and is for National Seniors Australia members only. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.

How to make a claim

Online, anytime

Download a travel insurance claim form online and submit your travel insurance claim via post or email. Once it is lodged, a friendly claims consultant will contact you as soon as possible. Alternatively, make a claim online.

Need help with your claim?

Call the claims hotline on 1300 62 52 29 (within Australia) or +61 2 8263 0487 (from overseas) and a consultant will help you. Alternatively, you can also contact us via email.

Emergency assistance 24/7

Affected by an emergency? Access emergency assistance 24/7.

Feedback and complaints

If you have any feedback about our service – positive or negative – we would like you to share it with us.

Receive our FREE newsletter

Keep updated on national seniors australia's advocacy campaigns, news, health and more., covid-19 faqs, travel alert.

Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel advice and check for restrictions at your destination(s) as these may impact cover, or your ability to travel. See our travel insurance alerts for more information.

Is any coronavirus cover available on travel insurance plans and what are the benefits?

Cover for some coronavirus related events is available on all nib’s travel insurance plans (excl. Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary. As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents for the full terms, conditions, limits and exclusions so that you know what is, and isn’t, covered. Overseas Medical Benefit: If you contract coronavirus while on your trip, all of nib’s International travel insurance plans can offer cover for overseas medical expenses. Medical evacuation and repatriation: All nib travel insurance plans include cover for medical evacuation and repatriation if we decide it’s medically necessary, up to the relevant benefit limit.³ Coronavirus Travel Costs: nib’s Coronavirus Travel Costs benefit is available on the Comprehensive Travel Plan, Australian Travel plan and Annual Multi Trip Plan and can provide cover for several coronavirus related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.

What do I do if I get Coronavirus (COVID-19) before my trip?

Isolate! And seek appropriate medical attention. Don’t delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers. Depending on the plan you have chosen, you may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.

What do I do if I get Coronavirus (COVID-19) on my trip?

Contact nib Emergency Assistance. Utilising a global network of medical providers, the team will connect you with local medical facilities. They can also assist by getting in contact with friends and family where needed. Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities. Follow travel and health advice – different countries have different rules. What’s ok in Australia may not be ok in the countries you visit. Our International plans include emergency overseas medical cover if you contract coronavirus while travelling.³

If I need medical treatment overseas, will you only pay up to the Coronavirus Travel benefit limit?

Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it’s not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is offered up to the Medical benefit limit.³ Just make sure you contact nib Emergency Assistance so they can help. The Coronavirus Travel Costs benefit (for other non-medical coronavirus related events, where included on the plan you have selected) is separate to the benefit limit available for medical expenses Incurred Overseas.

Need to make a claim?

Sorry to hear your trip didn’t go as planned. At least making a claim is a simple process.

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National Seniors Travel

National Seniors Travel is a dedicated service of National Seniors Australia. Our not-for-profit status ensures we can offer the best value for National Seniors members. As a National Seniors member, receive special pricing on our curated holiday packages, cruises, tours for solo travellers and groups in all your favourite destinations and receive 24/7 assistance while travelling. Speak to a widely-travelled travel consultant for personalised assistance.

Travel benefits for members

Special Pricing

National Seniors members receive special pricing and discounts on tours, cruises, and hotels.

Solo or Group Tours

Discover our curated holiday packages for solo travellers and groups.

Expert Advice

Speak to a widely-travelled consultant for expert advice and exceptional customer service.

24/7 Assistance

Receive 24/7 assistance while travelling.

Some of the benefits of membership

Save with over 1,000 discounts on groceries, fuel, accommodation, fitness, health care, motor services, books, theme parks, appliances, cinemas, gift cards and more!

Our Generation magazine

Members receive a yearly subscription to Our Generation digital magazine!

Expand your social circle, enjoy social events, day-trips, guest speakers and meet like-minded members.

Financial Information Consultant

Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!

Competitions

Enter and win newly released books, DVDs, CDs, and movie and event tickets with access to exclusive member-only competitions.

Sign up to the Connect Newsletter

Keep updated on technology, advocacy, lifestyle, travel and health news.

Thank you for subscribing.

National Seniors Australia Ltd ABN 89 050 523 003, AR 282736 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS) , Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

*The discount applies to the total National Seniors travel insurance premium and is for National Seniors Australia members only. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount. 

2. Coverage is subject to the terms and conditions, limitations and exclusions for each product as contained in the Domestic Product Disclosure Statement or International Product Disclosure Statement .

3. For up to 12 months after the illness first appears or injury first occurs.

We've got your back

With National Seniors, you're voice is valued. Discover how we campaign for change on your behalf and explore other member benefits.