- Best Travel Insurance Overall: Allianz (100 claims and service score)
- Best Medical Coverage: Tin Leg (up to $500,000 medical coverage)
- Best for Pre-Existing Conditions: Generali (24-hour purchase window)
- Best for Adventurous Seniors: World Nomads (flat-rate pricing, 200+ activities)
- Best Cancel-for-Any-Reason (CFAR) Coverage: Allianz Prime/Premier (80% "Cancel Anytime")
- Best for 75+ Seniors: Travel Insured (most affordable rates(
Best Travel Insurance for Seniors: Top-Rated Companies & Plans
We analyzed 43 plans from 13 companies to find the best travel insurance plans for seniors aged 65, 70, 75 and 80.
Find the best travel insurance plan for seniors below.
Updated: November 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
Allianz offers the best travel insurance coverage for seniors with perfect claims and service scores (100), comprehensive pre-existing condition waivers and no upper age limits.
Medical coverage protects seniors over 65 when Medicare doesn't cover international travel. Plans range from $25,000 to $500,000 in emergency medical benefits, with higher limits recommended for trips abroad.
Travel insurance costs increase with age, with seniors aged 65 paying twice as much as younger travelers. The most affordable options start at $81 for 65-year-olds and increases in cost as you get older.
Best Travel Insurance Companies and Plans for Seniors
How We Ranked Senior Travel Insurance Plans: Our Methodology
Our Research Approach
Seniors face higher travel insurance costs than any other age group, sometimes double or triple what younger travelers pay. We analyzed 43 travel insurance plans from 13 companies to find which offer fair pricing and strong coverage for older travelers.
We collected actual premium quotes for 65 and 75-year-olds at different trip prices. Our research focused on medical coverage that works when Medicare doesn't, pre-existing condition waivers that cover existing health conditions and claims service that responds during international emergencies.
Our Scoring Methodology:
Cost (35%): We compared real quotes at different trip values ($5,000 cruises to $15,000 extended trips). Companies with fair pricing for seniors scored higher than those imposing steep age penalties.
Coverage (35%): We examined 15+ features, weighting emergency medical limits (Medicare pays nothing overseas), evacuation coverage (seniors need specialized transport) and pre-existing condition waivers heavily. CFAR flexibility also factors into scoring.
Company Stability (10%): We checked AM Best and Standard & Poor's financial strength ratings to ensure insurers can pay expensive senior claims.
Claims Handling and Service (20%): We reviewed Trustpilot and Better Business Bureau feedback on claims processing and customer support availability for older travelers.
Our methodology addresses senior-specific concerns like Medicare gaps, health-related cancellations and age restrictions. Rankings reflect actual value for older travelers based on independent research with no payment from insurance companies.
Allianz
Allianz earns perfect scores for claims and service (100 on both) with no age limits and comprehensive pre-existing condition coverage. The company's global network and fast claims processing provide reliable support during international medical emergencies.
Prime (92 score) and Premier (91 score) plans offer the best value for seniors.
Prime Plan Key Features:
- 80% "Cancel Anytime" reimbursement up to $16,000
- Emergency medical coverage: $50,000
- Emergency evacuation: $500,000
- 14-day purchase window for pre-existing condition waiver
- 24/7 multilingual support
Premier Plan includes $200,000 trip cancellation coverage and $75,000 emergency medical benefits for expensive trips like river cruises or extended international travel.
Allianz costs more than budget options but delivers superior claims service and global support.
Tin Leg
Tin Leg offers the highest medical coverage available at $500,000, addressing Medicare's lack of overseas coverage for international travelers. Seven plans provide medical limits from $25,000 to $500,000 with reasonable pricing across all options.
Gold (91 score) and Silver (93 score) plans provide the strongest medical protection for seniors.
Gold Plan Key Features:
- Emergency medical: $500,000 (highest available)
- Emergency evacuation: $500,000
- 75% CFAR with no trip cost cap
- 100% trip cancellation and interruption coverage
- 14-day pre-existing condition waiver
Silver Plan offers $250,000 emergency medical coverage at lower cost, providing strong protection for most senior travelers.
Tin Leg's claims and service scores (89) are lower than Allianz but remain solid.
Generali Global Assistance
Generali offers the most flexible pre-existing condition waiver with a 24-hour purchase window after booking, compared to the 14 to 21 days most companies require. All Generali plans cover 100% of trip costs with no caps, providing comprehensive protection for expensive senior travel.
Preferred (93 score) and Premium (90 score) plans offer the strongest pre-existing condition coverage.
Preferred Plan Key Features:
- 100% trip cost coverage with no caps
- Emergency medical: $150,000
- Emergency evacuation: $500,000
- No geographic restrictions
- 24-hour pre-existing condition waiver window
Premium Plan adds 75% CFAR with no dollar cap, providing additional flexibility for last-minute health concerns.
Generali's claims and service scores (89) are lower than Allianz.
World Nomads
World Nomads offers built-in adventure sports coverage for 200+ activities without age-based pricing penalties or surcharges. Flat-rate pricing means 65-year-olds pay the same rates as 30-year-olds for activities like skiing, hiking and water sports.
Epic (94 score) and Explorer (93 score) plans provide the strongest adventure coverage for active seniors.
Epic Plan Key Features:
- Coverage for 200+ adventure activities with no surcharges
- Flat pricing for ages 18 to 70 (no age-based increases)
- 75% CFAR up to $11,250
- Emergency medical: $250,000
- Emergency evacuation: $1 million
- Extended trip coverage for digital nomads
Explorer Plan provides 50% CFAR and $150,000 medical coverage at lower cost for adventure protection.
Coverage ends at age 70. Travelers over 70 must use the "Silver Nomads" program through partner TripAssure with different terms and potentially higher costs.
Allianz
Allianz offers 80% CFAR reimbursement through "Cancel Anytime," the highest rate available. This coverage addresses health concerns, family emergencies and travel discomfort that don't qualify under standard cancellation policies.
Prime (92 score) and Premier (91 score) plans both include 80% CFAR up to $16,000.
Key CFAR Features:
- 80% reimbursement on nonrefundable costs (highest available)
- Covers minor health concerns that don't meet medical necessity requirements
- Protects against family emergencies requiring cancellation
- No requirement to prove medical necessity
- Available on both Prime and Premier plans
Allianz requires purchase within 14 days of initial deposit, a shorter window than some competitors' 21-day deadlines.
Travel Insured
Travel Insured offers the most affordable rates for seniors 75 and older, with Essential starting at $381 compared to competitors charging $500 to $700+. All three plans (Essential, Deluxe and Platinum) cover 100% of trip costs with comprehensive medical benefits.
Essential ($381) and Deluxe ($438) plans provide the best value for travelers 75 and older.
Essential Plan Key Features:
- 100% trip cancellation and interruption coverage
- Emergency medical: $50,000
- Emergency evacuation: $200,000
- Baggage coverage: $750 ($250 per item limit)
- 14-day pre-existing condition waiver
Deluxe Plan increases medical coverage to $250,000 and evacuation to $500,000, with CFAR options for health-related flexibility.
Travel insurance for seniors 75+ costs substantially more than coverage for younger travelers across all companies.
Best Travel Insurance Rates for Seniors (65-Year-Olds)
Senior travelers have higher premiums than younger travelers due to increased health risks and claim frequency. Travel insurance costs for 65-year-olds with $5,000 trip coverage range from $81 for World Nomads Standard to $690 for IMG LX.
- World Nomads offers the lowest rates but limits coverage to travelers under 70 with lower medical coverage limits
- Mid-tier options range from $230 to $350 with comprehensive coverage
- Premium plans range from $248 to $690 with higher medical coverage and evacuation limits
Rate Factors for Seniors:
- Costs increase after age 50, with 65-year-olds paying 200% more than 30-year-olds
- Trip value affects base costs more significantly for seniors
- Pre-existing condition waivers add 10% to 15% to premiums
- Remote international destinations increase costs
Best travel insurance rates by plan for those aged 65:
World Nomads | Standard | $81 | Budget |
World Nomads | Explorer | $135 | Mid-tier |
Travel Insured | Essential | $234 | Basic |
Generali | Standard | $239 | Mid-tier |
IMG | Choice | $247 | Mid-tier |
World Nomads | Epic | $248 | Premium |
Generali | Preferred | $260 | Mid-tier |
Travel Insured | Deluxe | $266 | Mid-tier |
Tin Leg | Basic | $281 | Budget |
Travel Guard | Essential | $302 | Basic |
AXA | Silver | $307 | Basic |
Tin Leg | Platinum | $310 | Mid-tier |
Nationwide | Essential | $312 | Basic |
Tin Leg | Economy | $318 | Budget |
BHTP | ExactCare Value | $322 | Basic |
Allianz | Basic | $323 | Basic |
Seven Corners | Basic | $330 | Basic |
AXA | Gold | $340 | Mid-tier |
World Trips | Escape | $341 | Basic |
Generali | Premium | $371 | Premium |
Tin Leg | Standard | $376 | Basic |
Tin Leg | Silver | $377 | Premium |
Tin Leg | Gold | $381 | Premium |
IMG | Lite | $388 | Budget |
BHTP | ExactCare Extra | $389 | Mid-tier |
Tin Leg | Luxury | $391 | Mid-tier |
BHTP | Plan 2 | $402 | Mid-tier |
World Trips | Explore | $404 | Mid-tier |
AXA | Platinum | $408 | Premium |
Travel Guard | Preferred | $411 | Premium |
World Trips | Elevate | $411 | Mid-tier |
Travel Insured | Platinum | $413 | Premium |
IMG | SE | $415 | Mid-tier |
BHTP | LuxuryCare | $420 | Premium |
Allianz | Prime | $429 | Premium |
Travelex | Essential | $442 | Budget |
Nationwide | Prime | $450 | Premium |
Seven Corners | Choice | $453 | Premium |
Travelex | Advantage | $463 | Mid-tier |
Travel Guard | Deluxe | $484 | Premium |
Travelex | Ultimate | $527 | Premium |
Allianz | Premier | $547 | Premium |
IMG | LX | $690 | Premium |
Best Travel Insurance Rates for Ages 70 to 80
Travelers aged 70 to 80 pay the highest travel insurance costs, with some companies no longer offering coverage at this age.
- Travel Insured's Essential plan costs $381 for 75-year-olds, the lowest rate available, with 100% trip cost coverage and $50,000 medical protection
- Generali's Standard plan costs $410 with comprehensive benefits and no coverage caps
- Prices for 75+ seniors start at $381 and exceed $1,200 for premium plans
Best travel insurance rates for seniors 70 to 80-year-olds:
Travel Insured | Essential | $381 | Basic |
Generali | Standard | $410 | Mid-tier |
Generali | Preferred | $416 | Mid-tier |
IMG | Choice | $418 | Mid-tier |
Travel Insured | Deluxe | $438 | Mid-tier |
Travel Guard | Essential | $456 | Basic |
Travel Guard | Preferred | $469 | Premium |
Allianz | Basic | $511 | Basic |
Nationwide | Essential | $528 | Basic |
Travel Guard | Deluxe | $555 | Premium |
Seven Corners | Basic | $578 | Basic |
Tin Leg | Silver | $619 | Premium |
Allianz | Prime | $671 | Premium |
Tin Leg | Economy | $677 | Budget |
BHTP | ExactCare Value | $687 | Basic |
AXA | Silver | $713 | Basic |
Generali | Premium | $715 | Premium |
AXA | Gold | $716 | Mid-tier |
Tin Leg | Gold | $736 | Premium |
Nationwide | Prime | $752 | Premium |
BHTP | LuxuryCare | $766 | Premium |
Travel Insured | Platinum | $774 | Premium |
World Trips | Escape | $779 | Basic |
BHTP | ExactCare Extra | $783 | Mid-tier |
Seven Corners | Choice | $792 | Premium |
Tin Leg | Standard | $794 | Basic |
Tin Leg | Luxury | $832 | Mid-tier |
BHTP | Plan 2 | $836 | Mid-tier |
Allianz | Premier | $865 | Premium |
AXA | Platinum | $865 | Premium |
World Trips | Elevate | $886 | Mid-tier |
World Trips | Explore | $889 | Mid-tier |
Travelex | Advantage | $902 | Mid-tier |
IMG | SE | $915 | Mid-tier |
IMG | Lite | $930 | Budget |
Travelex | Essential | $970 | Budget |
Travelex | Ultimate | $1,133 | Premium |
Tin Leg | Platinum | $1,199 | Mid-tier |
IMG | LX | $1,213 | Premium |
Tin Leg | Basic | $1,292 | Budget |
*World Nomads isn't included due to its 70-year age limit.
What Coverage Types Are Best for Seniors?
Senior travelers need different coverage than younger travelers due to higher medical risks, expensive trips and Medicare's lack of international coverage.
This table shows recommended minimum coverage levels for seniors:
Emergency Medical | $100,000 domestic, $250,000+ international | Medicare doesn't cover international travel; higher medical risk. |
Emergency Evacuation | $500,000+ | Seniors may need specialized medical transport and helicopter evacuations. |
Trip Cancellation | 100% of trip cost | Health issues are more likely; expensive senior-focused trips. |
Trip Interruption | 150% of trip cost | Medical emergencies may require early return with additional costs. |
CFAR Coverage | 75–80% reimbursement | Health concerns, family emergencies, comfort issues are more common. |
Baggage Coverage | $1,500+ | Seniors pack medications, medical devices and hearing aids. Losing a bag costs more than clothes. |
Pre-existing Conditions | Full waiver | Most seniors have at least one ongoing condition. Get the waiver. |
Additional Coverage Options:
- Primary medical coverage: Eliminates coordination with Medicare supplements
- Extended trip delay: Provides protection when mobility issues extend travel time
- Adventure sports: Required for river cruising, hiking and active travel
- Work-related cancellation: Not needed for retired travelers
PRIMARY VS. SECONDARY MEDICAL COVERAGE
Secondary medical coverage pays after other insurance, but Medicare provides no coverage outside the U.S., so secondary travel insurance becomes the primary payer for international medical expenses. Primary coverage works better domestically since Medicare covers treatment there, eliminating the need to coordinate claims across multiple insurers.
Why Is Travel Insurance Important for Seniors?
Seniors have unique travel risks that make insurance coverage more valuable than for younger travelers. Medicare doesn't cover international medical care, seniors invest more in trips and health conditions create higher cancellation risks.
- 1Higher Medical Risks
Seniors experience more health complications while traveling, including heart conditions, diabetes, mobility issues and medication management. A medical emergency abroad can cost $50,000 to $200,000 without insurance coverage.
- 2Medicare Limitations
Medicare covers medical care within the United States but provides no coverage for international travel. Most Medicare supplement plans also exclude overseas care, leaving seniors responsible for all foreign medical expenses.
- 3Expensive Trip Investments
Senior travelers invest more in trips than younger travelers, with river cruises costing $8,000 to $15,000 per person, African safaris costing $12,000+ and extended European tours reaching $20,000. Cancellation two days before departure results in complete loss of nonrefundable deposits without trip cancellation coverage.
- 4Pre-Existing Health Conditions
Most seniors have pre-existing conditions like high blood pressure, arthritis or previous surgeries. Standard travel insurance excludes problems related to these conditions unless travelers purchase a pre-existing condition waiver within the required time window.
- 5Fixed Income Considerations
Most seniors live on fixed incomes from Social Security, pensions and retirement savings. A $75,000 hospital stay abroad or a $15,000 trip cancellation represents substantial financial impact that travel insurance protects against.
Senior Age Restrictions by Travel Insurance Company
Some insurers limit coverage at age 70, others at 80 and some have no age limits. The table below shows maximum age limits and special senior programs by company:
Allianz | No limit | None | All plans available regardless of age |
IMG | 99 years | None until 99 | GlobeHopper Senior (65+), reduced limits after 80 |
Seven Corners | 99 years | Coverage available to 99 | Acute onset coverage varies by age |
World Nomads | 70 years | Coverage ends at 70 | Silver Nomads program via TripAssure for 70+ |
Generali | Not specified | No restrictions found | Coverage available at all ages |
Travel Guard | Not specified | Age affects pricing | Higher premiums after 75 |
Travel Insured | Not specified | None found | Comprehensive plans available |
BHTP | Not specified | None found | Medical limits may vary by age |
Tin Leg | Not specified | None found | Coverage available for seniors |
AXA | Not specified | None found | Premium increases with age |
Nationwide | 70 years | Limited after 70 | Some plans restrict at 70 |
Travelex | Not specified | None found | Age affects pricing |
World Trips | Not specified | None found | Higher premiums for seniors |
FAQ: Travel Insurance for Seniors
These frequently asked questions address seniors' most common concerns when shopping for travel insurance, from understanding age-related pricing to navigating Medicare coverage gaps abroad.
At what age do travel insurance premiums increase sharply?
Travel insurance premiums increase starting around age 50 and continue rising with age. Some companies impose additional charges or coverage restrictions for travelers over 75 or 80.
Does Medicare cover medical emergencies while traveling abroad?
Medicare provides no coverage outside the United States, leaving seniors completely responsible for international medical costs. Even Medicare supplements typically exclude overseas coverage.
Can I get travel insurance if I have pre-existing medical conditions?
Yes. Travel insurance plans offer pre-existing condition waivers if you purchase coverage within 14 to 21 days of your first trip payment and meet other requirements. Companies like Generali offer more flexible purchase windows.
Is CFAR coverage worth the extra cost for seniors?
CFAR coverage is valuable for seniors because health concerns, family caregiving needs or comfort issues arise more frequently. Reimbursement rates of 50% to 80% can save thousands when standard covered reasons don't apply.
Can seniors over 80 still get travel insurance?
Yes, though options become more limited and expensive after age 80. Companies like Allianz and Generali have no upper age limits, while others may restrict coverage or require medical questionnaires.
Should seniors buy annual travel insurance or per-trip coverage?
Annual travel insurance provides good value for seniors who take multiple trips yearly. Per-trip coverage offers better customization for expensive once-in-a-lifetime trips that many seniors prefer.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.