We analyzed 43 travel insurance plans from 13 companies to find the best travel insurance seniors aged 65, 70, 75 and 80. Our research focused on companies that offer comprehensive medical coverage, flexible age limits, and pre-existing condition benefits that seniors need most.
Find the best travel insurance plan for seniors below.
Updated: September 20, 2025
Advertising & Editorial Disclosure
Allianz has the best travel insurance coverage for seniors with perfect claims and service scores (100), comprehensive pre-existing condition waivers, and no upper age limits on most plans. See all the best travel insurance companies below to find the best travel insurance for your specific needs.
Medical coverage is the most important travel insurance coverage after 65. Plans range from $25,000 to $500,000 in emergency medical benefits, with higher limit needs for international travel where Medicare doesn't apply.
Travel insurance cost increases for older travelers. 65-year-olds pay 2 times more than younger travelers, making value-focused plans like Generali Standard and Travel Insured'd Deluxe plan best for budget-conscious senior travelers.
Here are the best travel insurance companies and specific plans for seniors:
We analyzed 43 travel insurance plans from 13 companies specifically through a senior lens to create these rankings. Our research team collected actual premium quotes for 65 and 75-year-olds, evaluated coverage that matters most to older travelers, and assessed which companies offer the best senior-specific benefits.
We evaluated every plan across four key categories, weighted based on senior priorities:
Why These Rankings Are Trustworthy: We gathered actual quotes using real senior traveler profiles across multiple ages and analyzed company age restrictions and senior-specific policies. We didn't accept payment from insurance companies to influence rankings. Our methodology specifically addresses senior travel concerns like Medicare gaps and health-related cancellations. Rankings reflect real value for older travelers, not just general travel insurance quality
Allianz has the best senior-friendly experience with perfect claims and service ratings (100), comprehensive pre-existing condition coverage, and no upper age limits that restrict older travelers. The company has three plans: Basic, Prime, and Premier, each designed with features that address common senior travel concerns like medical emergencies and trip changes. Allianz's strength lies in their established global network, 24/7 emergency assistance, and streamlined claims process that's crucial when dealing with medical emergencies abroad.
We believe the Prime plan (92 total score) and Premier plan (91 total score) offer the best senior value. The Prime plan provides:
The Premier plan offers maximum protection with $200,000 in trip cancellation coverage and $75,000 in emergency medical benefits, ideal for expensive senior travel like river cruises or extended international trips.
Allianz's main con is cost, with lower affordability scores that make it more expensive than budget alternatives, though higher prices are justified by the superior service when seniors need help most.
Tin Leg provides the best emergency medical coverage available with plans offering up to $500,000 in medical benefits which is important for seniors traveling internationally where Medicare provides no coverage. The company has seven plans with varying medical limits (from $25k to $500k), allowing seniors to match their coverage to their health needs and travel destinations. Tin Leg's strength is comprehensive medical protection while maintaining competitive pricing across their plan portfolio.
We found the Gold plan (91 total score) and Silver plan (93 total score) offer the best medical protection for seniors. The Gold plan provides:
The Silver plan offers excellent value with $250,000 in emergency medical coverage and a higher total score while maintaining strong medical protection that covers most senior travel scenarios.
Tin Leg's weakness is in claims and service ratings (89) compared to companies like Allianz.
Generali has the best flexible pre-existing condition coverage with their Premium plan allowing purchase up to 24 hours after final payment, significantly longer than most competitors' 14-21 day windows. All three Generali plans (Standard, Preferred, Premium) feature 100% trip cost coverage with no arbitrary dollar caps, making them ideal for seniors taking expensive trips. The company has solid comprehensive medical condition coverage and flexible purchase timing that accommodates seniors who need more time to make insurance decisions.
We believe the Preferred plan (93 total score) and Premium plan (90 total score) offer the best pre-existing condition benefits. The Preferred plan provides:
The Premium plan adds 75% CFAR coverage with no dollar cap and extends the purchase window to 24 hours after final payment, giving seniors maximum flexibility for health-related cancellations.
Generali's limitation is in claims and service (89 score), trailing behind senior-focused companies like Allianz in customer support quality.
World Nomads stands out as the only company offering built-in adventure sports coverage for seniors without age-based pricing penalties. While most companies either exclude adventure activities or charge significant surcharges, World Nomads includes coverage for 200+ activities like skiing, hiking, and water sports as a standard benefit. Their unique flat-rate pricing means a 65-year-old pays the same as a 30-year-old, making adventure travel more accessible for active seniors.
We believe the Epic plan (94 total score) and Explorer plan (93 total score) are ideal for adventurous seniors. The Epic plan offers:
The Explorer plan provides solid adventure coverage with 50% CFAR and $150,000 in emergency medical protection, ideal for seniors who want comprehensive adventure coverage without premium pricing.
World Nomads' main limitation is their age restriction at 70, requiring travelers over 70 to use their "Silver Nomads" program through partner TripAssure with different terms and potentially higher costs.
CFAR (cancel for any reason) coverage is important for seniors because health issues, family emergencies, or comfort concerns can arise unexpectedly, making standard covered reasons insufficient. Allianz offers the industry's highest CFAR percentage at 80% through their "Cancel Anytime" benefit, providing maximum flexibility for seniors who may need to cancel trips for reasons like minor health concerns, family caregiving needs, or simply feeling uncomfortable traveling.
Both Allianz Prime (92 total score) and Premier (91 total score) plans offer 80% CFAR reimbursement up to $16,000 with a 14-day purchase window. This coverage allows seniors to:
The main limitation is the 14-day purchase window, requiring faster decision-making than some competitors, though the superior reimbursement percentage often makes up for the shorter timeline.
Travel Insured is ranked the best option for seniors aged 75 and older, offering the most affordable pricing in a challenging age category where most companies impose substantial cost increases. With their Essential plan starting at $381 for 75-year-olds and comprehensive coverage options up to their Platinum plan, Travel Insured provides reasonable rates when other companies become very expensive. The company offers three plans (Essential, Deluxe, Platinum) with 100% trip cost coverage and solid medical benefits.
We believe the Essential plan ($381) and Deluxe plan ($438) offer the best value for 75+ seniors. The Essential plan provides:
The Deluxe plan increases medical coverage to $250,000 and evacuation to $500,000, plus adds bundle CFAR options for seniors who need maximum flexibility for health-related cancellations.
Travel Insured's limitation is that even their "best" pricing reflects the industry reality that 75+ travelers have higher premiums, with costs that are still double or triple what younger travelers pay for equivalent coverage.
Senior travelers have higher premiums than younger travelers due to increased health risks and claim frequency. Travel insurance cost for 65-year-olds with $5,000 trip coverage range from $81 for World Nomads Standard to $690 for IMG LX.
Rate Factors for Seniors:
Here are the 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 |
Travelers aged 70 to 80 have the highest travel insurance cost, with some companies no longer offering coverage at this age.
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 |
Seniors have different coverage needs than younger travelers due to higher medical risks, expensive trip investments, and Medicare limitations abroad. The table below can help you choose appropriate protection levels without overpaying for unnecessary benefits.
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, helicopter evacuations |
Trip Cancellation | 100% of trip cost | Health issues 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 more common |
Baggage Coverage | $1,500+ | Seniors often travel with medications, medical devices, valuable items |
Pre-existing Conditions | Full waiver | Essential for seniors with ongoing health conditions |
Additional Coverage Considerations:
Secondary medical coverage pays after your other insurance, but since Medicare provides no coverage outside the U.S., secondary travel insurance becomes the primary payer for international medical expenses. Primary coverage can be beneficial for domestic travel where Medicare might apply, or if you want to avoid any potential coordination issues with Medicare supplement plans.
Seniors have increased likelihood of medical emergencies while traveling, from heart conditions and diabetes complications to medication-related issues and mobility problems. Without travel insurance, a medical emergency abroad can cost $50,000 to $200,000+ out-of-pocket.
Medicare doesn't provide coverage outside the United States, leaving seniors exposed to international medical costs. Even Medicare supplements typically don't cover overseas emergencies.
Seniors often take once-in-a-lifetime trips like river cruises, safaris, or extended European tours costing $5,000 to $25,000+ per person. Without trip cancellation coverage, illness or family emergencies can result in loss of these non-refundable investments.
Many seniors have at least one ongoing health condition that could affect travel plans. Travel insurance with pre-existing condition waivers ensures coverage even if existing conditions cause trip cancellations or medical emergencies during travel.
Many seniors live on fixed retirement incomes, making unexpected travel-related expenses impactful.
Age limits help senior travelers avoid coverage gaps, as many companies impose restrictions or stop offering coverage entirely after certain ages. Based on our analysis of company websites and policies, here are the age restrictions by provider:
Allianz | No limit | None stated | 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 | Likely no restrictions | Standard coverage appears available at all ages |
Travel Guard | Not specified | Age affects pricing | Higher premiums after 75 |
Travel Insured | Not specified | Standard coverage | Comprehensive plans available |
BHTP | Not specified | Standard coverage | Medical limits may vary by age |
Tin Leg | Not specified | Standard coverage | Coverage available for seniors |
AXA | Not specified | Standard coverage | Premium increases with age |
Nationwide | 70 years | Limited after 70 | Some plans restrict at 70 |
Travelex | Not specified | Standard coverage | Age affects pricing significantly |
World Trips | Not specified | Standard coverage | Higher premiums for seniors |
Travel insurance premiums increase starting around age 50, and increase more as you age. Some companies impose additional charges or coverage restrictions for travelers over 75 or 80.
Medicare provides no coverage outside the United States, leaving seniors completely responsible for international medical costs. Even Medicare supplements typically exclude overseas coverage.
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.
CFAR coverage is valuable for seniors because health concerns, family caregiving needs, or comfort issues arise more frequently. The 50% to 80% reimbursement can save thousands when standard covered reasons don't apply.
Yes, but 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.
Annual travel insurance can provide good value for seniors who take multiple trips per year, but per-trip coverage offers better customization for expensive once-in-a-lifetime trips that many seniors prefer.
