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Travel insurance for seniors is a must-have if you’re doing any traveling as a senior citizen. After all, you’re probably planning more international adventures than ever now that you have the financial resources and free time. Whether you’ll be traveling with a tour group, going on a cruise, or embarking on a solo adventure, you still need to make sure that you’re covered by senior travel insurance when you go abroad.
Best Travel Insurance for Seniors – Plans & Cost
Getting coverage for pre-existing conditions is especially important at this age. If you have any kind of long-term health condition, be sure to purchase travel insurance for pre-existing conditions because, unfortunately, not every travel insurance offers this type of coverage.
Fortunately, however, all four of the best senior travel insurance plans I’ll be discussing below include pre-existing condition coverage. I’ll also explain coverage and age limits, deductibles, and extra features, including cruise coverage, so you can select the travel insurance for seniors that best suits your needs and budget.
Best travel insurance companies for seniors
In summary, these are the companies that offer the best senior travel insurance plans:
- Trawick International, the best travel insurance for seniors
- IMG, an inexpensive travel medical insurance for seniors
- AIG Travel Guard, a good basic travel insurance for seniors
- World Trips, a great travel insurance for the elderly
How much does travel insurance cost for seniors?
The price of senior travel insurance is based on a number of factors, including your age, nationality, and destination. The length and cost of your trip will also affect your senior travel insurance price.
Moreover, each company that offers travel insurance for seniors determines prices differently, so some may be more inherently expensive than others. I’ve used the example of a 70-year-old American from Pennsylvania who is going to Mexico for a week and whose trip costs $2,500 in order to generate quotes.
Price | $148.91 | $65.63 | $170.01 | $185 |
Emergency Medical | $150,000 | $100,000* | $15,000 | $25,000 |
Repatriation | $1,000,000 | $250,000 | $150,000 | $250,000 |
Trip Cancellation | 100% of $2,500** | Not covered | 100% of $2,500** | 100% of $2,500** |
Baggage Loss | $2,000 | $250 | $750 | $1,000 |
COVID Coverage | Yes | Yes | Yes | Yes |
Pre-existing Condition Coverage | Yes | Yes | Yes | Yes |
Age Limit | 100 | 100+ | 100+ | 100+ |
BEST TRAVEL INSURANCE FOR SENIORS |
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*choice of maximum amounts of coverage and this is the highest option with a $0 deductible
1. Trawick International, the best travel insurance for seniors
If you want senior travel insurance with quality coverage for a relatively affordable price, look no further than Trawick International. Out of all the plans I compared, Trawick’s Safe Travels First Class plan offers the highest amount of coverage in all categories. Even better, it also includes cruise coverage and pre-existing condition coverage (as long as the plan is purchased within 14 days of your initial trip deposit).
Other perks of this travel insurance for seniors include COVID-19 coverage and a $0 deductible for medical expenses. You can even add CFAR coverage, otherwise known as cancel for any reason coverage if you’d like to be able to cancel your trip for any reason that would otherwise not be covered by your insurance.
With a maximum age limit of 100 for customer coverage, the Safe Travels First Class plan is suitable for just about any senior who wants foreign travel insurance for senior citizens. However, if you’d like to save a little money, IMG may be a better choice for you, particularly if you only need travel medical insurance for seniors.
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2. IMG, an inexpensive travel medical insurance for seniors
Another top-rated travel insurance for seniors is IMG’s GlobeHopper Senior Single-Trip plan. This affordable travel medical insurance for seniors gives you the flexibility of choosing your deductible (the amount of money you have to pay before insurance will cover your medical bills) and maximum amount of coverage, so you can customize the plan to fit your needs and budget.
Seniors of any age can choose from deductibles of $0, $100, $250, $500, $1,000, or $2,500. 65- to 79-year-olds can opt for maximum coverage amounts of $50,000, $100,00, $500,000, or $1,000,000, while seniors who are 80+ can only choose between $50,000 and $100,000 worth of coverage. Generally, the higher the deductible you select, the more affordable your senior travel insurance price will be, whereas the higher the coverage amount you choose, the more expensive your travel insurance will be.
Just keep in mind that certain amounts of coverage automatically come with a deductible (for example, with $1,000,000 worth of coverage, you must have a deductible of at least $250). Additionally, you can only select a $0 deductible for plans with $50,000 or $100,000 worth of coverage.
Beyond providing flexible deductible and coverage options, the GlobeHopper Senior Single-Trip plan also offers cruise, COVID-19, and pre-existing condition coverage. However, because this plan is travel medical insurance, trip cancellation coverage is not included. This isn’t a problem if you just need travel medical coverage, but if you’d like the added security of knowing you can get reimbursed for canceling your trip, go for Trawick’s senior travel insurance.
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3. AIG Travel Guard, a good basic travel insurance for seniors
AIG Travel Guard’s Essential plan is perfect for any retiree looking for reliable travel insurance for seniors over 65. This plan not only provides a decent amount of coverage in all categories, but it also features a $0 deductible for medical expenses.
Moreover, the Essential plan includes COVID-19, pre-existing conditions, and cruise coverage. Best of all, travelers of any age can purchase this plan, since customers aged 100 and over are covered.
Even with all of these benefits, you can, in fact, get senior travel insurance with a higher amount of coverage for a more affordable price with Trawick. As such, I would only recommend purchasing travel insurance for seniors from AIG if you are over the age of 100 since Trawick only covers customers up to age 100.
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4. World Trips, a great travel insurance for the elderly
Travel insurance isn’t just for international travel. World Trips offers both great domestic travel insurance and international travel insurance for seniors. Their Atlas Journey Economy plan includes good coverage in all categories, a $0 deductible, and COVID-19 coverage.
Furthermore, the plan also provides cruise coverage and coverage for pre-existing conditions as long as the plan is purchased within 21 days of your initial trip payment. Even better, travelers of any age can purchase this senior travel insurance plan.
However, World Trips’ Atlas Journey Economy plan is the most expensive of the four I compared, so if you want to save money and get even better medical expense coverage, Trawick and IMG are better options.
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What is the best travel insurance for seniors?
Ultimately, the best travel insurance for seniors is the plan that fits your needs, budget, and travel itinerary. Generally speaking, however, Trawick International offers the best all-around senior travel insurance plan, since it offers good value for money while still being affordable.
What is the best travel insurance for seniors?
On the other hand, if you want affordable travel medical insurance for seniors, IMG is your best bet. No matter what plan you select, be sure to purchase at least some kind of senior travel insurance coverage before your trip. After all, having travel insurance is almost always worth it.
Enjoy your world travels!
Hi Ascen, I am a 70 year old UK based very experienced world traveller finding difficulty getting cover that suits me? Any recommendations? I have been using annual travel insurance policies however these all require me to be in the UK for half the year, which is longer than I now want to be.
I am currently using a travel insurance policy through my bank. I have a low cost UK medical insurance cover which covers only things the NHS cannot do quickly. Both are very good value but do not quite meet my needs.
I typically spend the entire winter ( 4 months and it will be more if I can get medical cover) in Thailand, Cambodia, Vietnam, maybe Indonesia, Laos, Malaysia etc. I then spend 4 to 6 weeks in each of Spring and Autumn away, usually in Greece.
So basically I want to be free to travel as and when I wish to, but will not be visiting USA and Caribbean. Apart from medical cover for critical incidents I am content not to insure for other travel risks and was thinking a worldwide medical insurance policy would allow me to cease the UK one, but soooo expensive!
Hi Keith!
That’s a tough situation. Even the best travel insurance companies have limitations, and some only cover travelers up to age 69. One option I found was IMG Global’s Patriot International Lite plan, but even that is in the $700’s. I think you’ll end up paying quite a bit for coverage no matter where you get the insurance.
Ascen