Seniors pay higher premiums for travel insurance because of age-based medical risk. Affordable coverage remains accessible despite these increases. Several providers offer comprehensive benefits at accessible prices for a 65-year-old traveler taking a 7-day, $2,500 trip.
Cheapest Travel Insurance for Seniors
Starting at $81, World Nomads Standard and four other providers deliver the cheapest travel insurance for seniors age 65+.
Find affordable travel insurance options for seniors below.
Updated: December 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
World Nomads Standard is the cheapest travel insurance for seniors, starting at $81 for a 65-year-old traveler on a one-week, $2,500 trip.
Generali Global Assistance Standard and Travel Insured Essential follow, both priced near $130 for seniors looking for low-cost coverage.
Seniors can save more by purchasing early to qualify for pre-existing conditions and Cancel for Any Reason (CFAR) benefits.
Summary of the Cheapest Plans by Category
World Nomads | Standard | $81 | $100,000 | 50-75%, 7-day window |
Generali Global Assistance | Standard | $125 | $50,000 | Available (Premium tier) |
Travel Insured International | Essential | $132 | $100,000 | 14-21-day window |
IMG | Choice | $132 | $500,000 | 21-day window |
Travelex | Essential | $136 | $100,000 | Available |
Allianz | Premier | $213 | $150,000 | Cancel Anytime |
AXA | Platinum | $202 | $250,000 | 14-day window |
These prices reflect worldwide eligibility and represent the most recent MoneyGeek data for 2025. For a comprehensive comparison of the best travel insurance options for seniors age 65 and older, including coverage features and customer satisfaction ratings, see our detailed senior travel insurance guide.
Why costs vary: Travel insurance prices increase with age, trip duration, total cost, and coverage amount. A 70-year-old traveler might pay 40-60% more than someone aged 60-64 for identical coverage. Medical and evacuation limits are particularly important for older travelers, as international care and transport costs can increase significantly.
Cheapest Travel Insurance Plans for Seniors
These plans balance affordability and reliability across three coverage tiers.
Cheapest Basic Coverage Plans for Seniors
Entry-level plans offer essential trip cancellation, delay and medical benefits at the lowest cost. They work best for healthy seniors taking short trips with limited prepaid expenses.
World Nomads Standard: $81
World Nomads Standard remains the most affordable choice for younger seniors who meet its age eligibility. It includes emergency medical, evacuation and trip coverage at a fraction of competitor costs. World Nomads caps enrollment at certain ages travelers above that limit must look for other suitable options.
Generali Global Assistance Standard: $125
Generali's Standard plan covers trip cancellation, interruption and medical emergencies at an affordable rate. The insurer's higher-tier options include CFAR and more extensive baggage benefits, though even the base plan offers solid value for cost-focused seniors.
Travel Insured Essential: $132
Travel Insured's Essential plan delivers core coverage at a fair price and comes from one of the most recognized brands in the industry. Seniors benefit from dependable claims service and the ability to upgrade later if needed.
Cheapest Comprehensive Coverage for Seniors
Mid-tier plans combine strong medical and evacuation benefits with broader trip coverage at reasonable prices.
IMG Choice: $132
IMG Choice includes up to $500,000 in medical coverage and $1 million in evacuation benefits, exceeding what most entry-level plans provide. Seniors who buy within the 21-day window qualify for pre-existing condition waivers, making this a strong choice for those with ongoing health concerns.
Travelex Essential: $136
Travelex Essential sits comfortably in the affordable range and offers a solid mix of trip cancellation, delay, and medical coverage. Seniors traveling domestically or on cruises prefer this plan for its flexibility and straightforward claims process.
Tin Leg Gold: $145
Tin Leg's Gold plan costs slightly more but offers flexible add-ons, including adventure coverage and CFAR. For seniors who want to customize coverage, this plan strikes a practical middle ground.
Cheapest Premium Coverage Plans for Seniors
Premium plans deliver maximum medical and evacuation coverage for international travelers, especially those taking multiple trips yearly or needing higher medical limits.
Allianz Premier: $213
Allianz is one of the most trusted names in travel insurance. The Premier plan offers up to $1 million in evacuation and $150,000 in medical coverage. Seniors can add the Cancel Anytime feature, which reimburses up to 80% of nonrefundable trip costs for any reason.
AXA Platinum: $202
AXA's Platinum plan provides high medical and evacuation coverage ($250,000 and $1 million, respectively) and includes built-in adventure and ski coverage, which is important for seniors planning active trips abroad. The policy also offers CFAR when purchased within 14 days of the first trip deposit.
Travel Guard Deluxe: $216
Travel Guard's Deluxe plan is known for its comprehensive coverage and reputation for fast claims. It includes $150,000 in medical coverage and $1 million evacuation. While not the cheapest, it delivers peace of mind for seniors with higher health or cancellation risks.
Cheapest Travel Insurance for Seniors by Age
As travelers age, premiums rise in predictable increments. Based on Dan’s dataset, here’s what seniors can expect to pay for a one-week, $2,500 trip:
60-64 | $70-$125 | World Nomads Standard ($81) |
65-69 | $125-$150 | Travel Insured Essential ($132) |
70-74 | $150-$185 | IMG Choice ($132) or Travelex Essential ($136) |
75+ | $190-$215+ | Generali Standard ($205) or AXA Silver ($198) |
Age 65 marks a key inflection point where insurers begin adding higher surcharges to reflect medical and evacuation risk. Those over 70 see the largest premium increases and fewer options, as some insurers, including World Nomads, reduce or cap coverage eligibility for higher age brackets.
For seniors 70 and older, companies such as IMG, Travelex, and Generali remain consistent in underwriting coverage, though premiums rise alongside medical limits.
Cheapest Travel Insurance for Seniors by Destination
Travel insurance costs also depend on where you're going. Regions with higher medical and evacuation costs drive higher premiums.
Japan (Asia) | World Nomads Standard | $81 | Excellent for active travelers but limited to younger seniors. |
Europe | Generali Standard | $125 | Strong for trip interruption and medical coverage. |
Domestic (U.S.) | Travel Insured Essential | $132 | Great for simple trips and U.S.-based coverage. |
Caribbean / Cruise | Travelex Essential | $136 | Popular with seniors on cruise packages. |
Australia / Oceania | IMG Choice | $132 | Offers high evacuation limits for remote destinations. |
International travel, especially to regions like Japan or Europe, increases both medical and evacuation costs. Seniors traveling domestically or within North America pay less but should still prioritize emergency medical and trip interruption coverage.
How Seniors Can Save on Travel Insurance
Age increases premiums, but practical strategies exist to save without giving up important coverage.
Buy within 14-21 days to waive pre-existing conditions.
Seniors with pre-existing conditions must purchase insurance within 14-21 days of their first trip deposit to qualify for coverage. This window also unlocks Cancel for Any Reason (CFAR) options, which refund 50-80% of nonrefundable trip costs. Waiting beyond this window can disqualify you from both benefits or require expensive medical riders.
Prioritize medical and evacuation limits over trip cancellation.
For seniors, emergency medical and evacuation coverage drives premiums more than trip cancellation amounts. A 70-year-old traveler pays 40-60% more than someone aged 60-64 for identical coverage because of medical risk. Compare plans based on medical limits ($100,000 minimum recommended) and evacuation coverage ($500,000+ for international trips), then adjust trip cancellation coverage to match your actual prepaid, nonrefundable expenses.
Consider annual policies if you're under 70 and travel frequently.
Seniors aged 60-69 who take multiple trips yearly save more with annual multi-trip policies. One flat premium covers unlimited trips up to 30-45 days each. Travelers over 70 face more restrictions and higher annual premiums, making per-trip policies more practical.
Skip add-ons that don't match your travel style.
Adventure sports coverage, rental car collision damage waivers, and gear insurance add 10-30% to premiums. Most seniors don't need these extras. Also, skip Cancel for Any Reason coverage as it costs 40-50% more than standard plans and refunds only 50-75% of trip costs.
Affordable Senior Travel Insurance: Bottom Line
Senior travelers can still find affordable travel insurance that meets their health and trip needs.
- World Nomads Standard remains the cheapest at $81 for eligible ages, followed by Generali Standard, Travel Insured Essential, and IMG Choice, all clustered around the $130 range.
- Premium plans like Allianz Premier and AXA Platinum cost more but deliver higher medical and evacuation limits for seniors needing added peace of mind.
- Comparing providers, buying early and focusing on necessary benefits (not extras) can keep travel insurance affordable at any age.
Cheap Travel Insurance for Seniors: FAQ
What's the cheapest senior travel insurance right now?
World Nomads Standard is the cheapest plan for seniors under its age cap, starting at $81 for a one-week, $2,500 trip. Older seniors may find better access through Generali or Travel Insured plans.
Which travel insurance covers older seniors over 70?
Providers like IMG, Travelex and Generali continue offering policies to travelers well into their 70s and 80s, though prices increase with age.
Do seniors need CFAR coverage?
CFAR coverage helps when plans may change unexpectedly. It reimburses 50-80% of trip costs if you cancel for non-covered reasons and is available when purchased soon after booking.
How much should seniors budget for travel insurance?
Expect to pay around 4-8% of your total trip cost. For example, a $2,500 trip can cost between $81 and $213 depending on provider and coverage tier.
Are pre-existing conditions covered for seniors?
Yes, if you buy within the provider's early-purchase window, usually 14-21 days after your first trip payment, to qualify for the pre-existing condition waiver.
Is Medicare valid abroad?
No. Medicare generally doesn't cover international medical costs, which makes travel insurance with medical and evacuation coverage essential for seniors traveling overseas.
How We Decided the Cheapest Companies for Seniors
MoneyGeek's analysis used a verified dataset, comparing more than a dozen major insurers for a 7-day, $2,500 trip profile.
- We calculated average premiums for a 65-year-old traveler and ranked providers by cost, coverage value, and accessibility.
- Only plans available to U.S. residents and eligible for seniors were included. Prices and eligibility may vary by state, age, and trip details.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.