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Written byAnna Baluch
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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.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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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.
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Table of contents
Travel insurance can come in very handy if you’re a senior who travels frequently. It provides a financial safety net that lets you recoup your money if a trip doesn’t go as planned. Travel policies cover various expenses, like doctor visits, ambulance services, medical treatment, lost baggage, and more.[1]
Seniors have many options for travel insurance. To help you choose the travel insurance company that’s best for your needs, Insurify reviewed five companies. Here’s what you need to know about the best travel insurance for seniors.
Quick Facts
Many travel medical insurance policies exclude coverage for pre-existing conditions.
In most situations, Medicare won’t cover medical expenses outside the U.S.
It’s a good idea to buy travel insurance soon after you book your trip.
5 best travel insurance plans for seniors
If you’re looking for travel insurance as a senior, start your search with the companies below.
Insurance Company  | Sample Cost | Best For |
|---|---|---|
| Allianz Travel | $1,036 | Traveling with grandkids |
| Battleface | $1,322 (multi-trip cost) | Frequent travelers |
| Faye | $571 | Pet parents |
| Seven Corners | $768 | Cruise vacations |
| Travelex Insurance | $856 | Affordability |
Allianz: Good for traveling with grandchildren
Allianz has 4.1 (out of 5) stars on Trustpilot, where many reviewers praise the company’s speedy and easy claims service. The company has an A+ financial stability rating from AM Best, indicating it’s well-positioned to pay customer claims.
The company’s OneTrip Premier plan can be a good choice for seniors traveling with their minor grandchildren. The plan covers children 17 and younger for free when they travel with a grandparent or parent (except for policies issued in Pennsylvania).
The plan offers the following maximum coverage limits:
Emergency medical coverage: $75,000 (includes up to $750 for dental emergencies)
Trip cancellation: $200,000
Trip interruption: $300,000
Emergency transportation coverage: $1 million
Baggage loss/damage: $2,000
Baggage delay: $600
Travel delay: $1,600 ($200 per day)
Inconvenience payment: $100 per person, per day
Battleface: Good for frequent travelers
Globe-trotting seniors who take multiple trips per year can save money — and time — by purchasing multi-trip protection. Battleface offers a robust and competitively priced multi-trip package that ensures you won’t have to worry about buying travel insurance again for 12 months.
Battleface has a 4.6-star rating on Trustpilot, with many reviewers praising the company’s prices, claims processing, and customer service. Its multi-trip plan provides the following coverages per trip:
Emergency medical coverage: $250,000 (includes up to $750 for dental emergencies)
Trip cancellation: $1,500, $3,000, or $5,000
Trip interruption: 150% of trip cancellation limit
Emergency transportation coverage: $500,000
Baggage loss/damage: $2,000
Baggage delay: $750
Travel delay: $1,000 ($200 per day)
Single occupancy: $3,000 if your traveling companion cancels and you choose to still go
Faye: Good for senior pet parents
Faye Travel Insurance has 4.7 stars and more than 1,300 reviews on Trustpilot. Reviewers appreciate the company’s easy claims process and strong customer service. Faye can be a good choice for senior travelers because of the unique customization options it offers, including coverage for pet care.
If you take your pet on your trip, Faye offers coverage for veterinary expenses due to sickness or injury, kenneling costs, travel medical expenses for covered pets, and quarantine kenneling expenses.
Coverages and limits include:
Emergency medical coverage: $250,000 (COVID-19 included)
Trip cancellation: Up to 100% of non-refundable trip costs
Trip interruption: 150% of non-refundable trip costs
Emergency transportation coverage: $500,000
Baggage loss/damage: $2,000
Travel delay: $2,100 ($300 per day)
Non-medical emergency evacuation: Up to $100,000 (for covered events like natural disasters or political or security evacuations)
Seven Corners: Good for seniors on cruise vacations
With an overall rating of 4.4 stars and more than 5,400 reviews on Trustpilot, Seven Corners wins high praise for customer service, value, and claims processing. It’s an especially appealing choice for seniors who enjoy cruise vacations.
Seven Corners offers specialized cruise insurance that includes standard travel insurance components plus trip inconvenience coverage if your cruise diverts or the ship is disabled and leaves you without power, food, water, or restroom facilities for more than 24 hours.
Coverages and limits include:
Emergency medical coverage: $250,000 (emergency dental up to $1,000)
Trip cancellation: Up to 100% of non-refundable trip costs (capped at $30,000)
Trip interruption: 150% of non-refundable trip costs
Emergency transportation coverage: $500,000
Baggage loss/damage: $2,000
Travel delay: $1,000 ($250 per day)
Missed tour or cruise connection: Up to $1,500 ($250 per day)
Travelex: Good value for the price
Travelex has mixed reviews and a star rating of 3.9 on Trustpilot. Customers seem satisfied with the company’s easy buying process and product offerings, but many complain about claims processing and denials. But Travelex may still be worth a look for seniors who want extensive coverage at an affordable price.
Our model travelers received a quote of $856 to insure a $10,000 trip to Spain. Travelex’s Ultimate plan includes a waiver for pre-existing conditions and competitive limits for medical coverages.
Emergency medical coverage: $250,000 (emergency dental up to $500)
Trip cancellation: Up to 100% of trip costs (capped at $50,000)
Trip interruption: 150% of trip costs (up to $75,000)
Emergency transportation coverage: $1 million
Baggage loss/damage: $2,000 ($500 per item)
Travel delay: $2,000 ($250 per day)
Cancel for any reason upgrade: Up to 75% of trip cost (capped at $7,500)
To identify the best travel insurance for seniors, Insurify considered availability, value (cost vs. coverage), available policies, reimbursement levels, coverage limits, range of deductibles, industry ratings (when available), and customer reviews from sources such as Trustpilot, Better Business Bureau, and consumer review sites.
To find sample quotes, we requested quotes for a male traveler, age 65, spending $10,000 on an overseas trip and seeking a comprehensive travel plan with $75,000 in medical coverage and a $500 deductible, trip delay and interruption coverage, trip cancellation, and baggage protection. Quotes shown represent each insurer’s top-tier plan.
How to find the best travel insurance for seniors
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 you can purchase them.
Factors to consider when choosing travel insurance for seniors
Not every travel insurance policy is right for everyone. Seniors often have special considerations when shopping for 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 healthcare 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.
Cost
Travel insurance is generally affordable, especially compared to the cost of the trip it protects. Still, budget-minded seniors should compare policies and quotes from multiple travel insurance companies to find the best plan at the best price available.
Coverages
Most travel insurance policies include the same basic coverages, such as emergency medical expenses, trip interruption, and trip cancellation. But many customization options are available that can help seniors maximize the benefits of their coverage.
For example, seniors with pre-existing conditions that might cause a problem during their travel should consider requesting a pre-existing condition waiver. And seniors who’ll be traveling with a pet might want to add a veterinarian expense benefit to their policy.
Cost of travel insurance for seniors
Generally, you’ll pay anywhere from 4% to 10% of your trip’s cost for travel insurance. Seniors may pay at the higher end of that range due to their higher risk of illness and injury.
For example, if you’re 65 and want to insure your $7,000 trip to Cancun, your travel insurance premium will probably be around $700. Adding a pre-existing waiver to the policy will typically bump the price higher.
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 situation.
Best travel insurance for seniors FAQs
Below are answers to a few commonly asked questions about travel insurance for seniors.
Will Medicare cover you if you travel to a foreign country?
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.
Is high blood pressure a pre-existing condition for travel insurance?
Yes, high blood pressure is a pre-existing medical condition that most travel insurance policies won’t cover. But if you have pre-existing conditions that might cause problems during your trip, it’s a good idea to see if you can qualify for a pre-existing conditions waiver.
Can you get travel insurance for an 84-year-old?
You may have to search for it, but it’s possible to find travel insurance for seniors 80 and older. Your travel agent or a specialized travel insurance agent may be able to help you find coverage for an 84-year-old traveler.
Sources
- Centers for Disease Control and Prevention. "Travel Insurance."
- Travel Guard. "Pre-existing medical condition waiver."
- U.S. Department of Health & Human Services. "Medicare Coverage Outside the United States."
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Anna BaluchInsurance Writer
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.
Anna has been a contributor at Insurify since December 2022.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
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.