Travel is an exciting adventure, but it also carries risks. As people age, they are more prone to unexpected health problems and accidents. Travel insurance covers medical emergencies, trip cancellation or interruption, lost luggage, and other travel mishaps. By purchasing insurance, you can gain peace of mind and financial protection.
This guidebook was created by analyzing statistical data from over 70 companies. We have meticulously compared the top providers of travel insurance for seniors, delving into the most important coverage options, explaining pre-existing conditions and age restrictions, verifying costs, the claims process, COVID-19 considerations, and more. With this information, seniors can travel with confidence knowing they have found an affordable policy that meets their needs.
| Company | Age Limit | Medical Expense Limits | BBB Rating | Policy Cost | Claim Process | Exclusions and Limitations | Policy Flexibility |
| Travel insurance for seniors | No | $200,000+ | A+ | $100-400 | Online portal
Phone Documentation required |
– High-risk activities limitations
– Pre-existing conditions limitations |
Customizable coverage options available |
| Allianz | 84 | $50,000+ | A+ | $200-$500 | Online portal
Phone Documentation required |
– Excludes pre-existing conditions
– Age limit of 84 years old |
Customizable coverage options available |
| IMG | No | $50,000+ | A | $150-$400 | Online portal
24/7 hotline Documentation required |
– Excludes pre-existing conditions
– High-risk activities limitations |
Add-ons available for tailored coverage |
| Seven Corners | No | $50,000+ | A- | $250-$600 | Online portal
Phone Documentation required |
– Excludes high-risk activities
– Pre-existing conditions limitations |
Add-ons available for tailored coverage |
| Trawick International | No | $250,000+ | A+ | $300-$800 | Online portal
Phone Documentation required |
– Excludes pre-existing conditions
– Age limit for certain benefits |
Customizable coverage options available |
Best Senior Travel Insurance Companies
When purchasing travel insurance for seniors, it is essential to find a reputable provider that offers comprehensive coverage options tailored to your needs. Here are some top providers to consider:
Travel insurance for seniors
– 24/7 Emergency Assistance
– Emergency Medical Coverage
– Cancellation for any reason
Travel Insurance for Seniors provides extensive coverage, including COVID-19 coverage, foreign emergency assistance, and hospital and medical coverage, that is specifically designed to meet the needs of elders. The coverage can be quickly applied for online and has an AA+ rating. The best annual travel insurance policies provide 24-hour emergency support, safe transportation, and limitless medical payment coverage. Traveling the world is easy for seniors thanks to attentive customer service.
Advantages
- Comprehensive coverage for medical emergencies and trip cancellation/interruption.
- Specially designed coverage for senior travelers, including coverage for pre-existing conditions.
- No age restrictions on many AARP travel insurance plans, making them available to those over 70 or 80 years of age.
Disadvantages
- Limited coverage for pre-existing conditions may leave some seniors unprotected.
- Trip length and destination restrictions may limit travel flexibility for seniors.
- Certain adventurous activities and extreme sports are excluded and may not be to the liking of senior travelers.
Other Services
- Emergency evacuation
- Travel Insurance
- Domestic Travel Insurance
Ready to safeguard your travels with reliable coverage? Explore our comprehensive travel insurance plans for seniors today for peace of mind and financial protection for your next adventure.
Allianz
– Emergency Medical Benefits
– Benefits for Trip Cancellation
– Age-Friendly Regulations
Senior travelers up to 85 years old can choose from a variety of travel insurance policies designed especially for them by Allianz Global Assistance. These regulations cover a wide range of needs, including shortened trips, delayed personal items, and delayed departures. Allianz provides alternatives for individual travel as well as yearly coverage, with plans catered to both incoming and outward travel. Their insurance provides peace of mind for seniors traveling around Europe and the world, with an age limit that promotes safe and secure travel.
Advantages
- Broad selection of products, encompassing both annual and single-trip coverage.
- Coverage for canceled flights, lost luggage, and delayed departures.
- Accessible for travel both in and out of the country.
- Coverage throughout the world, including Europe.
Disadvantages
- Certain policies have strict age restrictions that limit older seniors’ access to coverage.
- Senior travelers may pay a greater premium.
- Travel restrictions may restrict the availability of some plans.
Other Services
- Coverage for Trip Interruptions
- Services for Concierge
IMG
– Global Network Assistance
– Adventure Sports Coverage
– Emergency Medical Coverage
Serving clients in more than 190 countries for more than 20 years, International Medical Group (IMG) is a respectable supplier of travel and international medical insurance. They provide a range of policies to meet different needs, such as insurance for retirees, travelers, students, and foreign nationals. IMG distinguishes itself from several competitors by offering emergency treatment and medical evacuation coverage up to $8 million. Their insurance have higher coverage limits than most other providers, with medical limits of up to $8 million. In addition, IMG offers extra coverages that may differ depending on the plan, such as reimbursements for missed flights and pet kennel expenses.
Advantages
- Over 20 years of customer service experience in the field.
- More than 190 nations are covered.
- provides emergency medical care and medical evacuation coverage up to $8 million.
- Offers a wide variety of plans for senior citizens and other needs.
Disadvantages
- A number of negative customer evaluations exist regarding the handling of claims and customer support.
- Benefits for baggage delays are not included in many basic plans.
Other Services
- Beyond Emergencies
- Assistance with Travel
- Referrals for Medical Care
Seven Corners
– Flexible coverage options
– Round-the-clock emergency assistance
– Emergency medical coverage
Renowned travel insurance company Seven Corners has several senior-focused plans to choose from. Comprehensive coverage for lost possessions, medical situations, and travel cancellations is included by these plans. Due to their affordable costs and extensive coverage limitations, which cover pre-existing diseases and medical evacuation alternatives, these plans are well-liked by elderly travelers. Seven Corners is a dependable option for senior travelers due to its effective claims procedure and top-notch customer support.
Advantages
- Full coverage for lost property, medical situations, and travel cancellations.
- Reasonably priced with ample coverage limits.
- Pre-existing condition policies and medical evacuation options.
- Excellent customer service and a smooth claims process.
Disadvantages
- Some insurance have age restrictions or have restricted coverage for specific conditions.
- Increased rates for elderly passengers.
- Seniors must carefully check the contents of their plans to make sure their needs are covered.
Other Services
- Legal Support
- Services for Medical Translation
Trawick International
– Comprehensive benefits
– Plans that can be customized
– Emergency medical coverage
For seniors traveling outside of the United States who are over 70, Trawick International is a great alternative because it provides senior travel insurance plans with greater features than other senior travel insurance options. Their insurance address the special requirements of senior travelers by offering complete coverage for medical emergencies, trip cancellations, and lost belongings. Trawick International is distinguished by its affordable rates and extensive coverage limitations, which include choices for medical evacuation and pre-existing condition coverage.
Advantages
- Greater advantages compared to other senior travel insurance programs.
- Comprehensive protection against lost personal property, medical situations, and trip cancellations.
- Reasonably priced with ample coverage limits.
- Pre-existing condition policies and medical evacuation options.
Disadvantages
- Only insured individuals up to age 65 may access it.
- Certain factors may limit the coverage available under certain policies.
- Seniors must carefully check the contents of their plans to make sure their needs are covered.
Other Services
- Medical Disturbance
- Services for Medical Monitoring
What Is Covered by Senior Travel Insurance?
Senior citizen travel insurance typically includes coverage for medical emergencies, trip delays or cancellations, and delayed or lost luggage.
In terms of medical coverage, senior travel insurance abroad frequently comes with travel medical insurance, which provides hospitalization, emergency medical evacuation, and emergency medical expense coverage. Seniors should give their travel insurance policy’s medical coverage first priority.
Seniors’ travel insurance also covers interruptions or cancellations of trips brought on by unanticipated events like illness, injury, or a family member’s death. Coverage for non-refundable costs, including as pre-paid airfare, hotel, and tour fees, is available.
Seniors can also anticipate luggage loss or delay coverage, which pays for the expense of buying necessary clothing and toiletries and replaces any lost or damaged belongings.
How Much Does Travel Insurance for Seniors Cost?
The average cost of senior travel insurance ranges from $416 to $434 per trip. Age, destination, length of trip, coverage limitations, and any pre-existing medical issues, however, may all affect the price. It is advised that you compare quotations from several insurance companies, taking into account your unique travel requirements and circumstances, in order to receive an exact cost estimate.
It’s important to note that different insurance providers could have varying coverage options and cost structures for low-cost senior travel insurance, so it’s best to research your options before making a decision.
How Do I Select Travel Insurance for Seniors?
Take into account the following elements while selecting the finest senior travel insurance:
- Pre-existing Medical Condition Coverage: This is important for seniors, so look for policies that include coverage for pre-existing medical issues. Make that emergency medical evacuation and full medical coverage are included in the policy.
- Age Restrictions and Eligibility: Verify the senior population’s age restrictions and eligibility. Selecting an insurance provider that specializes in serving elders is crucial because certain policies may have age limitations.
- Coverage for Trip Cancellation and Interruption: Determine whether the policy provides sufficient coverage for delays or cancellations of travel, including payment of pre-paid and non-refundable travel expenses resulting from unanticipated events.
- Emergency Assistance Services: Verify if the insurance offers access to a worldwide network of healthcare providers as well as round-the-clock emergency assistance services.
- Benefit Limits and Deductibles: Examine the benefit limits and deductibles to make sure the coverage is adequate and meets your travel requirements.
- Flexibility and Customization of Policies: Seek out policies that enable customization according to the particulars of the trip and the person’s medical requirements.
- Examine client testimonials and ratings: To determine dependability and level of satisfaction, look for customer reviews and ratings for various insurance providers.
- Compare Multiple Quotes: Request quotes from various insurance companies and evaluate the prices, policies, and extra features each one offers.
Seniors can select the finest travel insurance by taking these elements into account.
It’s crucial to remember that the best travel insurance for seniors over 70 may differ depending on certain conditions, so it’s ideal to carefully go over the specifics of the policy and, if needed, get advice from the insurance company.
Frequently Asked Questions
Is travel insurance necessary for seniors?
Yes, seniors should definitely consider purchasing travel insurance. It offers protection against a variety of unforeseen circumstances, including lost luggage, medical problems, and more.
What age group does travel insurance consider senior?
Insurance companies may have different definitions of what constitutes a senior, but generally speaking, it is 65 years of age or older.
Does purchasing travel insurance for overseas trips cost a lot for seniors?
Seniors may pay a little bit more for travel insurance because of things like age and possible health risks. It is advised, therefore, that you evaluate quotes from several insurance companies in order to identify the finest coverage at a reasonable cost.
Which insurance does elderly travelers need to have the most?
For elderly travelers, medical insurance—more especially, emergency medical evacuation and travel medical insurance—is the most crucial type of coverage. When traveling, these coverages offer financial security and peace of mind in the event of unanticipated medical problems.
Do pre-existing diseases get covered by senior travel insurance?
Pre-existing medical conditions are often not covered by travel insurance for seniors, however certain policies allow you to get coverage for pre-existing conditions by waiving the exclusion for pre-existing conditions. Pre-existing conditions may be covered by this waiver, subject to specific limitations.
