travel insurance for 97 year old

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

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

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

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Trawick International

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

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

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

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

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

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

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

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

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

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

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

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

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

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

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

Frequently Asked Questions

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

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

Why Trust U.S. News Travel

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

You might also be interested in:

9 Best Travel Insurance Companies of April 2024

Holly Johnson

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

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

These are the scenarios when travel insurance makes most sense.

Does My Health Insurance Cover International Travel?

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

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

Suzanne Mason and Rachael Hood

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

What Older Travelers Need to Know About Getting Travel Health Insurance

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

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

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

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

Related: Is Credit Card Travel Insurance Sufficient?

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

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

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

Do all, or some, policies have age limits?

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

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

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

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

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

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

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

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

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

What additional protections does trip cancellation and interruption insurance offer?

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

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

What is medical evacuation insurance? What does it cover?

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

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

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

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

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

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

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

Related: The Best Credit Cards With Travel Protections

Bottom Line

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

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

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

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

Feature photo by Hero Images / Getty Images.

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

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

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

Travel Insurance

Best travel insurance for seniors in April 2024

Amy Fontinelle

Heidi Gollub

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

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

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

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

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

Best senior travel insurance plans of 2024

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

Why trust our travel insurance experts

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

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

Top-rated travel insurance for seniors

Best plan for seniors

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

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

Pros and cons

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

Trawick International

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

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

Seven Corners

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

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

Generali Global Assistance

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

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

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

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

Compare the best travel insurance for seniors

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.

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. 

More: What does travel insurance cover?

Is CFAR worth it for senior travelers?

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

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

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

More travel insurance for seniors resources

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

Best senior travel insurance FAQs

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

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

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

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

More: Is travel insurance worth it?

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

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

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

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

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

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

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

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

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

• Motorcycles
• Car of the Month
• Destinations
• Men’s Fashion
• Watch Collector
• Art & Collectibles
• Vacation Homes
• Celebrity Homes
• New Construction
• Home Design
• Electronics
• Fine Dining
• Costa Palmas
• Reynolds Lake Oconee
• Scott Dunn Travel
• Wilson Audio
• 672 Wine Club
• Sports & Leisure
• Health & Wellness
• Best of the Best
• The Ultimate Gift Guide

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

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

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

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

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

Related Stories

Wealthy travelers are fueling a surge in luxury hotel prices, exclusive: indonesia is getting a luxe new island resort. here’s a look inside..

• The Billionaire Buyout: Publicity Stunt or Ultimate Luxury Travel Triumph?

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

Nationwide Cruise Choice Plan

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

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

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

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

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

Trawick International Safe Travels First Class Plan

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

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

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

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

Related: Best Senior Travel Insurance Plans Of 2021

AXA Assistance USA Gold Plan

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

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

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

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

Cat 70 Travel Plan

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

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

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

HTH Worldwide TripProtector Classic Plan

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

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

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

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

Tin Leg Gold Plan

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

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

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

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

USI Affinity Travel Insurance Services Ruby Plan

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

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

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

Tips for Seniors Buying Travel Insurance

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

Understand Insurance Needs When Traveling Abroad

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

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

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

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

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

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

Get Medical Coverage for Pre-Existing Conditions

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

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

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

Plan for Medical Evacuation Coverage

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

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

Be Aware of “Cancel for Any Reason” Coverage

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

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

Consider Customer Service Options

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

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

Stay on Top of Your Insurance Timeline

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

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

Methodology

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

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

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

Read More On:

• FBS Marketplace

More Travel

Netflix Cofounder Reed Hastings Wants to Turn Half of a Utah Mountain Into a Members-Only Ski Club

Tokyo’s Newest Neighborhood Is a $4 Billion Mini City—Here’s Everything We Know

Culinary Masters 2024

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

Give the Gift of Luxury

Latest Galleries in Travel

The Dunlin, Auberge Resorts Collection in Photos

Oceaya in Photos

More from our brands, tracee ellis ross gives the new museum gala crowd a tour of her marni gown, a’s to play in sacramento for three years ahead of vegas move, nielsen streaming top 10: ‘damsel’ debuts at no. 2 behind ‘love is blind’ hot streak, raven chacon summons earthy and ethereal sounds from landscapes and guns, this best-selling under-desk walking pad is over $100 off on amazon today.

How to Find the Best Travel Insurance for Seniors

Comparing options from multiple travel insurance companies and checking out reviews are the best ways to find coverage that works for you..

4+ years writing insurance and personal finance content

MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Read Editorial Guidelines

Featured in

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated December 10, 2023

Reading time: 3 minutes

Table of contents

What is travel insurance.

• Find travel insurance
• Factors to consider

Travel insurance can come in very handy for seniors who travel frequently. It provides a financial safety net that lets you recoup your money if a trip doesn’t go as planned. Policies cover various expenses, like doctor visits, ambulance services, medical treatment, lost baggage, and more.

Here’s what you need to know about the best travel insurance for seniors.

Travel insurance covers unexpected events that occur while traveling, including illnesses, injuries, lost luggage, damaged electronics, and canceled flights due to inclement weather or natural disasters. With affordable travel insurance, you can protect against financial losses and risks while away from home. It allows you to book trips in confidence during your senior years. [1]

How to find the best travel insurance

Here are some tips to help you zero in on the best senior travel insurance policy for you:

Shop around. It’s important to research and compare policies from multiple insurers before buying one since every insurer weighs risk factors differently. Consider the type of coverage and premiums of various plans.

Read the fine print. While it may be tempting to buy travel insurance as soon as you find a policy that meets your budget and needs, doing so can be risky. Take the time to understand the details so you can avoid hidden expenses and disappointments over exclusions in policies.

Check out reviews. Before you sign on the dotted line, read third-party reviews about the travel insurance company. Make sure it’s reputable and offers good customer service.

Time it right. Try to buy your travel insurance right after you book your trip. The sooner you invest in it, the better. The price may increase if you wait too close to the departure date. And many policies have a cutoff date on when they can be purchased.

Factors to consider when choosing travel insurance

Make sure to consider the below factors before purchasing a travel insurance policy.

Pre-existing medical conditions

If you have a pre-existing health condition like diabetes or arthritis, search for a travel insurance policy that covers it. Some plans come with a pre-existing condition waiver, which pays for medical bills tied to your condition during a trip. Without a waiver, your travel insurance company may exclude coverage for your condition. [2]

Duration of the trip

Travel insurance coverage will cost you more if you’re going on a two-month trip rather than a trip for only a few days or weeks. Single-trip insurance plans are ideal for one-off trips, but if you travel frequently throughout the year, an annual travel insurance plan may make more sense.

Destination

It’s important to consider whether your destination is domestic or international when buying a travel insurance policy. If you’re traveling to a different country instead of staying in the United States, robust health care coverage is essential. Medicare and most private medical insurance plans typically don't cover medical services outside the U.S.

Also, if you’re visiting a remote or high-risk destination, a travel insurance policy with high coverage amounts for emergency medical evacuation to the nearest hospital and medical costs is a must-have. Some robust plans offer emergency medical evacuation to the U.S.

How to buy travel insurance

Many travel insurance companies offer policies tailored to seniors. Travel insurance comparison sites, airlines, credit cards, travel agents, and travel reservation sites may also offer coverage. Policies can protect you from medical emergencies, lost luggage, trip cancellation, and trip interruption.

You should buy a travel insurance plan shortly after you book your flights, lodging, and activities. Be prepared to share basic information about your trip, such as the travelers’ names, destination, travel dates, non-refundable trip costs, and whether anyone in your party has a pre-existing condition.

Once you receive your policy, you’ll likely have a review period of 10 to 15 days to review the benefits, maximum limit, and the fine print, which explains exclusions. In most cases, you can cancel the policy for a full refund if you determine it’s not a good fit for your unique situation.

Keep Reading: How Much is Travel Insurance?

Senior travel insurance faqs.

Below are answers to a few commonly asked questions about travel insurance for seniors.

Do you need travel insurance if you have Medicare?

Medicare and most private health insurance plans don't offer coverage outside the U.S. Travel insurance can be a smart investment if you’re traveling to a different country and want medical coverage and evacuation coverage. [3]

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

It’s possible. You may be able to secure a travel insurance policy that covers your pre-existing medical condition, but you’ll likely have to add a pre-existing condition waiver.

Is travel insurance more expensive for seniors?

Usually, yes. Travel insurance typically comes with a higher cost for senior citizens because they present a higher risk for health-related issues than minors and younger adults.

• Centers for Disease Control and Prevention . " Travel Insurance ." Accessed September 19, 2023
• Travel Guard . " Pre-existing medical condition waiver ." Accessed September 19, 2023
• U.S. Department of Health & Human Services . " Medicare Coverage Outside the United States ." Accessed September 19, 2023

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn .

Advertiser Disclosure

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

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

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

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

Keri Stooksbury

Editor-in-Chief

29 Published Articles 3071 Edited Articles

Countries Visited: 45 U.S. States Visited: 28

Why Purchase Travel Insurance

The cost of travel insurance, preexisting conditions, travel insurance and medicare, covid-19 and travel insurance, world nomads — best for active seniors, allianz — best for annual multi-trip policies, best for covering covid-19 cancellations, best for preexisting conditions, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

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

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

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

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

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

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

Travel insurance can cover the following situations:

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

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

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

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

What You Need to Know About Age and Travel Insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Best Travel Insurance Options — Ages 65 to 69

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

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

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

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

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

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

Secure your own quote from World Nomads .

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

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

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

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

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

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

• John Hancock
• Seven Corners

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

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

Best Travel Insurance Options — Ages 70 to 79

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

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

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

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

What is the best travel insurance for seniors over 65.

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

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

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

Does travel insurance cover COVID-19?

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

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

Does travel insurance cover preexisting medical conditions?

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

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

Does credit card travel insurance cover flight cancellations?

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

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

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

Was this page helpful?

About Christine Krzyszton

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

INSIDERS ONLY: UP PULSE ™

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

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

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

Related Posts

UP's Bonus Valuation

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

Senior Travel Insurance (over 65)

Travel can be a risky venture for those over 65, over 70, and even over 75, because they are slightly more fragile than your average healthy 20-year-old. Seniors with medical conditions – and even those with no health conditions – need the right senior travel insurance coverage to protect them from financial losses.

What are the risks for travelers over 65?

Some of the things that can go wrong for senior travelers include the following:

• A pre-existing condition reoccurs – simply by living longer, you are more likely to have a pre-existing medical condition. Should your condition reoccur while you are traveling, your medical coverage will be invalid unless you have informed the travel insurance company of the condition and purchased the pre-existing condition waiver.
• You experience a medical emergency – travel involves all kinds of new experiences: strange foods, foreign climates, and different surroundings. If you get ill or are injured on your trip, how will you arrange for emergency medical transportation in an unfamiliar region?
• Your tour is canceled – travel suppliers – including cruises, tours, and rentals – may have financial problems you don’t know about ahead of time. If they cease operations, how will you recover the money you paid them?
• You have to be evacuated – medical evacuations are highly expensive. If you are traveling in a region where the local medical facilities cannot adequately treat your condition, how will you arrange and pay for an emergency evacuation to a qualified medical hospital? After you are treated, how will you then get back home?
• Your luggage is stolen – thieves are highly resourceful and can steal luggage right out from under your nose. If you have important items – even those medications packed in your carry-on bag – how will you replace them and continue your trip?
• You need help or advice – anytime you are traveling in a new place, you could be in a situation where you need travel advice or emergency assistance. You may even need help communicating in a foreign language. If you need travel advice, legal advice, or foreign language assistance, who can you call?

Can a 75 year old get travel insurance?

Yes, you absolutely can! 75 is the new 55, haven’t you heard?

Travel at any age is more enjoyable when you know there’s a solid safety net in place in case anything goes wrong. Whether you’re planning a short visit to see old friends or new grandkids, you can buy travel insurance to protect yourself and your trip investment at any age.

If you’re planning a lot of trips domestic and/or abroad, purchasing an annual travel insurance plan can extend the same benefits all year long. The flexibility and security of an annual plan is that you only have to make the purchase decisions once and you’ll save some money too .

What coverage do you need as a senior traveler?

While the following is not an exhaustive list of all the coverages available with travel insurance plans , it describes those that are most useful to senior travelers.

• Medical coverage provides for emergency medical and dental care in the case of a sudden illness or injury on your trip. (Review the details of medical/dental coverage .)
• Pre-existing medical condition coverage provides protection against high medical costs that result from a recurring condition. (Review the details of pre-existing condition coverage .)
• Evacuation coverage arranges and pays for medically necessary evacuations or for the repatriation of a traveler’s remains. This coverage can also help a patient get home after they have been treated. (Review the details for evacuation and repatriation coverage .)
• Baggage coverage provides replacement value for items that are lost, stolen, or destroyed on your trip, including the bag itself. (Review the details for baggage coverage .)
• Financial default coverage provides reimbursement for payments made to a travel supplier that completely ceases operations due to financial default or bankruptcy. (Review the details of financial default coverage .)

What is the maximum age for travel insurance?

Whether you’re cruiser or a museumgoer, the freedom to travel is one of the best things reaching this age group. You have the schedule flexibility and time to do it all, and it’s just not worth risking your financial status or your life to travel uninsured – especially if you’re traveling internationally.

Don’t assume that travel insurance is out of reach at any age. You can find affordable travel insurance as a senior at 70 and 80!

Why is travel insurance so expensive for senior travelers?

It’s the reality of things, unfortunately. Just as with any type of insurance, the price is calculated based on risk. Because senior travelers, as a group (not individually), are at a higher risk of having health issues, the cost of travel insurance rises with age.

But don’t be discouraged!

It is possible to find affordable travel insurance as a senior traveler.

Even if you’re an experienced traveler and in excellent shape, you never know what can happen. Travel insurance, like all other insurance plans, is designed to protect you from the unexpected. The events that can happen that no one could predict. It’s not just about your health either. With a good travel insurance plan, you’re protected from things that can happen that are entirely unrelated to your health, like tornadoes and terrorist attacks, for example.

5 Tips for Buying Travel Insurance over 65

The important thing to remember when buying travel insurance at any age is to assess your risk. Don’t think that travel insurance is out of your reach. Here’s how to buy travel insurance if you’re over 65:

• Think about your risks. Do you have a pre-existing health condition? Are you prone to any types of health issues? Are you spending a lot of money on this trip?
• Get a quote . The best thing about using a comparison tool like ours is that you can quickly and easily filter in or out the concerns you have and manage how much you’re spending on the travel insurance plan.
• If you’re not worried about losing your pre-paid expenses (maybe you’re getting the flight with miles and staying with friends, for example), then your focus is on covering emergency medical benefits and evacuation/repatriation costs.
• If the plans look expensive, take a second look at the amount of emergency medical and evacuation. You’ll need a good amount at a minimum (remember, Medicare doesn’t cover you outside the US) but at the same time, you may not need multi-millions in coverage. Adjust those filters a little and see what that saves you.
• Final tip : If you’re planning not one, but several trips, one of the best-kept secrets of saving on travel insurance is buying annual travel insurance . Just like when you add auto insurance to your home insurance plan, you save money on both. Annual travel insurance works similarly.

See how much travel medical and evacuation is enough to determine what coverage you need.

When should you buy your senior travel insurance?

Timing your travel insurance purchase is just as important as why you purchase it.

• When should I buy my travel insurance?
• What is the buying process?
• How much does travel insurance cost?
• What information do I need to buy it?

Remember that all travel insurance companies offer a free look period with a refund if you decide the plan is not what you need.

Where should you buy your senior travel insurance?

We recommend purchasing your travel insurance directly from a third-party company for a number of reasons.

• Buying Travel Insurance from a 3rd party company vs. through a travel agent
• Why buying Travel Insurance from a 3rd party company is better than buying from a Cruise Line
• Buying Travel Insurance Directly from the Company vs. Using a Comparison Site

Very briefly, you’ll have more choices and options in your travel insurance plan if you purchase from a third-party company using a comparison tool .

How can you be sure your travel insurance coverage is adequate?

These tips will help you determine whether you have enough coverage.

• 4 Steps to 100% confidence in your travel insurance plan
• Entering $0 Trip Cost is too risky
• Is ‘Cancel for any reason’ worth it?

Related topics

• 10 Tips for Seniors Traveling with Health Concerns
• Saving money with an annual travel insurance plan – ideal for senior citizens who travel a lot
• A safe cruise checklist for seniors , families, and couples

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

Travel with peace-of-mind... Compare quotes for free

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

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

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

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

24-hour worldwide emergency medical and travel assistance.

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

Unlimited coverage for eligible medical expenses Disclaimer 1

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

Coverage for stable pre-existing conditions Disclaimer 2

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

Safe transportation to the closest medical facility

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

Direct payment of medical bills, whenever possible Disclaimer 3

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

Get a Travel Insurance Quote

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

Other Ways to Buy

Travel Insurance FAQs

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

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

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

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

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

When answering the health questions:

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

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

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

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

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

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

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

View Legal Disclaimers Hide Legal Disclaimers

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

• Older travelers insurance
• Above 90 years

Best travel medical insurance for seniors over 90 years

As you grow older the chances of an unexpected medical emergency are higher and even minor illness can lead to hospitalization. While in a foreign country, travel insurance for over 90 years old is extremely important. Visitors insurance for parents over 90 are available for senior travelers. Compare these holiday insurance over 90 years old offered by reputed US insurance companies on American Visitor Insurance. Travelers can compare quotes and buy US travel insurance for seniors over 90 years with ease on American Visitor Insurance

Compare best travel insurance for over 90s, Best travel insurance over 90

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

Travel Medical USA Visitor Basic (by Seven Corners)

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

Travel Medical USA Visitor Choice (by Seven Corners)

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

VisitorSecure (by WorldTrips)

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

Visitor Care (by IMG)

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

Visit USA (by Travel Insure)

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

INF Premier (by INF)

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

INF Standard (by INF)

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

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

Safe Travels USA Comprehensive (by Trawick International)

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

Atlas America (by WorldTrips)

• $10,000 coverage per certificate period

Patriot America Lite (by IMG)

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

Patriot America Plus (by IMG)

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

Intermedical (by Travel Insure)

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

Diplomat America (by Global Underwriters)

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

Diplomat Longterm (by Global Underwriters)

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

Patriot International Lite (by IMG)

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

Patriot Platinum (by IMG)

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

Travel Medical Basic (by Seven Corners)

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

Travel Medical Choice (by Seven Corners)

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

Visit USA Superior (by Travel Insure)

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

• Ideal for US citizens travelling outside US

Atlas International (by WorldTrips)

• Ideal for travelers travelling worldwide except US and Canada

Diplomat International (by Global Underwriters)

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

Globe Hopper (by IMG)

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

INF Elite (by INF)

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

INF Safe Traveler USA (by INF)

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

Visitor Protect (by IMG)

• This plan is availble for visitors traveling from their home country to the U.S., Canada, and Mexico
• It is a comprehensive benefit insurance plan.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Maximum limits from $50,000 to $250,000.
• Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.
• Covers 90% of eligible medical expenses.
• COVID-19 medically necessary testing & treatment covered as any other new sickness.

Best Seniors travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition" .Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite , Elite Plus and INF Elite 90 .

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Testimonials - From Our Customers

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

Sachin Mathur

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

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

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for BP

Resourceful tourist insurance USA information

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

Travel insurance for 90 year old, Over 90s travel insurance

Best Coverage for Pre-existing Medical Conditions

Schengen Visa Insurance or Europe Travel Insurance for Senior citizens

Visitors Insurance for Senior Citizens Forum

Visitor medical insurance blog for Parents visiting family in the US

Travel insurance for 90 year old to usa, senior travel insurance usa - faq's.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

18. Why is travel insurance for 90 year old to usa so expensive?

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

19. What is the travel insurance for 90 year olds?

We try to answer this question regarding best travel insurance for 90 year olds visiting usa based on the age of the travelers and the requirement of coverage for acute onset of pre-existing conditions for the senior traveler.

20. What is the maximum age when travelers can buy this us visitor health insurance for seniors?

A person of any age can purchase a travelers insurance policy. The issue is how much insurance will you be able to purchase. We offer several insurance policies that offer $50,000 coverage for persons between 70 and 89 years of age. The only type of plan which does not limit the maximum of the plan for older travelers are the trip cancellation plans. Travel Insurance for Senior travelers have standardized coverage, but are mostly available for US citizens or residents.

If you are not a US citizen or resident, you can purchase the Round Trip International policy only. These can be a good option for older travelers and you can insure a minimum amount on the policy (usually at least $500) if that is not really a concern for you. However, trip plans are only good for up to 30 days. After 30 days, most add a daily rate that makes the plans much too expensive or are not available, so bear that in mind as you navigate your options on travel insurance.

21. Does travel insurance cover pre-existing ailments?

Technically, travel insurance does not cover pre-existing medical conditions. If a person is taking medication regularly for a condition or requires regular treatment (such as dialysis) these will not be covered by short term visitor travel insurance. However, what you can cover for travelers is for the acute onset of a pre-existing condition. That is, should you have an unexpected emergency due to a pre-existing condition, then it can be covered. The condition must be well regulated and in control before you travel and, of course, you must not be traveling against the advice of your physician.

Some client will ask me what is meant by "acute". This indicates the situation must be life-threatening or life-style threatening (lose an eye or limb) and cannot wait until the person returns home to take care of it. Are all pre-existing conditions covered? No. Many are not. Some policies specifically exclude cancer coverage, HIV and other STD coverage, and congenital disorders. You can check the policies fine print to be sure that your ailment is not excluded outright on the policy before making your selection and purchase. As ever, we are happy to assist you with your specific conditions and questions. Compare quotes »

22. Can I buy senior citizen travel insurance after starting the journey?

Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the ttravel insurance for seniors visiting usa before departing. The claim will be invalid if the traveler attempts to buy the travel insurance and file a claim for an ailment after it occurred during the travel.

23. Does travel insurance go up at age 70?

Travel insurance to USA for over 70 policies are priced by age and the number of days needed, so your age does determine your cost. The price difference between 69 and 70 IS a big jump. If you are traveling at age 69 and will turn 70 during your trip you get to pay the whole time like a 69 yr old (a real bargain). However, some visitors insurance for parents over 70 coverages which end at age 70 (like some pre-existing medical condition coverage) will end on your birthday. At American Visitor Insurance, we offer many policies for people 70+ and are adding policies all the time to improve our offering to our traveling seniors!

24. What is the cutoff age for travel insurance for senior citizens? What is the age limit of travel insurance for seniors USA?

It depends on the company and the type of health insurance for elderly visitors to USA you are looking for. Many insurance for elderly parents visiting USA policies do not have a cut off age, but some do. Also, the main difference for older travelers is that the maximum of the policy available goes down with higher age. You may also find USA travel insurance for seniors in the $50,000 maximum or less, but you may still find something suitable for your situation.

25. What travel insurance is best for seniors?

Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.

26. At what age does travel insurance become expensive?

Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older. Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.

27. What is the age criteria for travel insurance for senior citizens?

The age criteria to buy travel insurance depends on the company and the type of travel health insurance the elderly travelers are looking for. Many US travel health insurance plans for senior citizens do not have a cut off age, but some do or they reduce the coverage available for older travelers, ie the plan maximum for older travelers will be low as the age of traveler increases. Senior citizens may also find travel insurance with plan maximum of $50,000 or less, however they may still find something appropriate for their situation.

28. Can I find cheap travel insurance for seniors over 90?

Yes, it is possible to find affordable travel insurance for seniors over 90. Comparing quotes, opting for basic coverage, adjusting deductibles and coverage limits, seeking discounts, and utilizing group plans can help you find cheaper options. Remember to evaluate your needs and ensure the policy provides adequate coverage.

29. How can I compare different travel medical insurance for seniors over 90?

Older travelers can easily compare different travel insurance over 90 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

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

30. How important is the visitors insurance for parents over 90?

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

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

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

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

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

31. How much is travel insurance for 90 year old cost?

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

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

Senior citizens international travel tips

Travel insurance over 90 years old with pre existing medical conditions.

There are several health insurance plans available for Senior citizens. However, most travel insurance for over 90s do not offer coverage for pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel insurance 90 years age that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some travel insurance for over 90s like Atlas America , Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

What is the best visitors insurance with parents visiting USA?

The best over 60 travel insurance for parents visiting USA are:

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

Travel Insurance for US seniors

Trip cancellation insurance for us seniors.

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

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

Trip insurance with Cancel for any reason coverage

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

International travel insurance for US seniors with Medicare Coverage

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

Visitors insurance for seniors

Insurance over 60 years

Insurance over 70 years

Insurance over 75 years

Insurance over 80 years

Travel insurance for US senior citizens

Cruise insurance for Senior citizens

Acute onset of pre-existing medical conditions, older traveler insurance, visitors insurance for elderly.

Senior citizens travel insurance articles

Compare and buy senior citizen travel insurance plans...

Older traveler insurance

Travel health insurance for an older traveller...

Best seniors travel insurance, Travel insurance seniors - Resourceful information

Older traveler insurance resources

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

Factors for older traveler insurance online

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

Types of older traveler insurance online

Understanding different insurance types of older traveler insurance plans online.

Older traveler insurance Claims Procedure

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

Popular tourism destinations

Global travel and tourism destinations.

Global Travel Destinations

It's a Global village, Explore and enjoy it!

International tourism

Indulge according to your tastes; Golfing, Skiing, Wildlife..

Popular travel destinations in the USA

US States for tourists. Beaches, National Parks and more !

US Cities renowned for their Glitz, Glamor, Museums and more !

Popular Older traveler insurance providers

Older traveler insurance for usa categories.

Senior Citizen travel insurance

Senior travelers above 60 years

Senior citizen insurance over 65

Trave insurance 70 years

Senior travelers over 75 years

Senior travelers over 80 years

Senior travelers over 90 years

Pre-existing visitors insurance

Parents visitors insurance for USA

Schengen visa plans for Seniors

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

June 1, 2020

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

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

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

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

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

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

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

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

Travel Dates

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

Plan Start Date

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

Share this Page

• {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

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

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

Return To Log In

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

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

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Best Annual Travel Insurance in 2024

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

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

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.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

• Vacation Rentals
• Restaurants
• Things to do
• Things to Do
• Travel Stories
• Rental Cars
• Add a Place
• Travel Forum
• Travelers' Choice
• Help Center

Age limit/restrictions for elderly travellers - Air Travel Forum

• Tripadvisor Forums    
• Air Travel Forums

Age limit/restrictions for elderly travellers

• United States Forums
• Europe Forums
• Canada Forums
• Asia Forums
• Central America Forums
• Africa Forums
• Caribbean Forums
• Mexico Forums
• South Pacific Forums
• South America Forums
• Middle East Forums
• Honeymoons and Romance
• Business Travel
• Train Travel
• Traveling With Disabilities
• Tripadvisor Support
• Solo Travel
• Bargain Travel
• Timeshares / Vacation Rentals
• Air Travel forum

Should Add that she would be flying bc for comfort

Sorry, should have added that the med cert is only necessary if, by looking at your grandmother, it is obvious that she is not well. Otherwise, as above, people of these ages fly daily, in large numbers worldwide.

If this grandmother is fully capable of finding her own way onto a plane and off again at the other side, I cannot see any issue. However, what do you mean by 'an aid'? A person, some physical support like a zimmer frame, or something else.

Once my Mum reached 80, and having had knee replacement surgery on both knees, we always ensured that she requested well ahead of travel airport assistance despite her protestations. In the end she did come round to the convenience of having a wheel chair provided with somebody to push it, or some other help to avoid those long miles of corridors that most airports have. We also contributed to her tickets so she could fly in a premium cabin to make the long haul flight more comfortable and with better FA service. I note you've also opted for this.

What will be impacted by her age is the price of travel insurance, especially if she has any pre existing medical conditions.

"..... by looking at your grandmother, it is obvious that she is not well."

Well the queen is 90 and she flies all over the world :-)

wondering if there are age restrictions with regard elderly person travelling

===================

No one will ask for a "fit to fly " certificate unless she is obviously unable to manage even with wheel chair help!!

Our uncle is 94 and flies all over the world independently with no one ever bothering to ask those sorts of questions!

• UK Liquids Rules 3:36 pm
• Yet More BA Companion Voucher questions! 3:36 pm
• Few Questions- American Airlines/Japan Airlines codeshare 3:24 pm
• Misunderstanding with times 3:19 pm
• India to USA through Paris 3:11 pm
• Etihad A321 row numbers 2:28 pm
• LGA versus ATL 2:26 pm
• Selecting seats on Latam Airlines when booked through Delta 12:29 pm
• Schengen via Schengen transit to Non-schengen 12:16 pm
• Gay travel being banned? 11:59 am
• Beware of Wizz Air scam 11:26 am
• Ethiopian Airlines - Baggage, Transit questions 10:53 am
• United Airlines reimbursement after flight cancellation 9:20 am
• SQ check in at LAX 8:31 am
• ++++ ESTA (USA) and eTA (Canada) requirements for visa-exempt foreign nationals ++++
• ++++ TIPS - PLANNING YOUR FLIGHTS +++++++
• Buy now or later? What's with these screwy ticket prices?
• Around-the-world (RTW) tickets
• All you need to know about OPEN JAW tickets
• Beware of cheap business class tickets (sold by 3rd parties)
• ++++ TIPS - PREPARING TO FLY +++++++++
• TIPS - How to prepare for Long Haul Flights
• TIPS - Being Prepared for Cancellations and Long Delays
• TIPS - How to survive being stuck at an airport
• Flights delays and cancellations resources
• How do I effectively communicate with an airline?
• Airline, Airport, and Travel Abbreviations
• Air Travel Queries: accessibility,wedding dresses,travelling with children.
• Connecting Flights at London Heathrow Airport
• TUI Airways (formerly Thomson) Dreamliner - Movies and Seating Information
• ++++ COVID-19 CORONAVIRUS INFORMATION ++++
• Covid-19 Coronavirus Information for Air Travel

• HTH Worldwide Travel Insurance
• GoReady travel insurance
• Nationwide Travel Insurance
• Trawick International Travel Insurance

Affordable Travel Insurance Tips

• Why You Should Trust Us

Best Cheap Travel Insurance of April 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.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel.

Best Cheap Travel Insurance

• HTH Worldwide Travel Insurance : Best overall
• GoReady travel insurance : Best for trip cancellation 
• Nationwide Travel Insurance : Best value
• Trawick International Travel Insurance : Most popular

Compare the Top Cheap Travel Insurance Plans

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

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. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Affordable Travel Insurance Reviews

So you're planning a big family vacation—if you're lucky, the trip of a lifetime. Travel costs can skyrocket quickly, leaving you feeling a bit overwhelmed. At this point, travel insurance starts to look like a potentially unnecessary cost, but is it really?

The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

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

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

**Enrollment required.

• Main content