The best senior travel insurance policy can give you the confidence to take a chance on booking a trip you might otherwise be nervous to plan. For older travelers, this may mean travel insurance that can get you emergency health care at your destination, or get you back home quickly to your own doctors. You’ll also want a plan that limits your financial losses if you have to cancel or interrupt your trip for health or other reasons.
Why trust our insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 2,332 coverage details evaluated
- 385 rates reviewed
- 5 levels of fact checking
- Trawick International offers the best travel insurance for seniors with its Safe Travels First Class plan.
- Travel insurance for senior citizens should have high coverage limits for travel medical insurance, emergency medical evacuation and trip interruption.
- The best trip insurance for seniors will cover preexisting conditions and COVID-19.
Best travel insurance for seniors at a glance
Compare the best travel insurance for seniors
What is covered by travel insurance for seniors?
The best travel insurance bundles several types of insurance to provide financial protection before and during your trip.
A comprehensive senior travel insurance plan will include the following coverage types:
What to look for when choosing senior travel insurance
Older travelers shopping for travel insurance should look for plans with these benefits:
- Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19.
- Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery.
- Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
- Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%.
- “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.
How much does senior travel insurance cost?
The average cost of senior travel insurance is $434 per trip, based on our analysis of rates. The average cost of travel insurance for seniors who add CFAR coverage is $629.
Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 40% or more to that cost.
How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.
Average cost of travel insurance for seniors
Is CFAR worth it for senior travelers?
CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Cat 70 and Tin Leg travel insurance.
CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.
When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.
Our insurance experts analyzed data from the travel insurance comparison website Squaremouth to find the best senior travel insurance plans. For this rating, we only scored travel insurance plans that offer a “cancel for any reason” (CFAR) optional upgrade.
The benefits we scored out of a possible 100 points include:
Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:
- Couple, age 65, for a 17-day trip to Italy costing $6,000.
- Couple, age 70, for an 8-day trip to Mexico costing $3,000.
- Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage.
- Couple, age 70, for an 8-day trip to Mexico costing $3,000, with CFAR coverage.
Medical expenses: 10 points. Travel insurance plans that offer travel medical expense benefits of $250,000 or more per person were given the highest amount of points.
Medical evacuation: 10 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.
Covers COVID: 10 points. Travel insurance plans that cover COVID-related medical issues under medical expense coverage earned points.
Trip interruption: 10 points. Travel insurance plans with trip interruption reimbursement of 150% or higher were given points.
Preexisting medical condition exclusion waiver: 10 points. Travel insurance plans that cover preexisting medical conditions if the policy is purchased within a required timeline received points.
Why some companies didn’t make the cut
Travel insurance plans that don’t offer a “cancel for any reason” (CFAR) upgrade were not considered. Of the 21 plans we scored, those with an above-average price for senior travel insurance did not make the cut unless they balanced the additional cost by offering exceptional medical benefits.
More travel insurance for seniors resources
Frequently asked questions (FAQs)
Health is a top concern when it comes to travel insurance for seniors.
“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and preexisting conditions,” Clark said.
More: Best COVID travel insurance companies
Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.
Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others.
More: What does travel insurance cover?
If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.
“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com.
To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.
Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.
More: Is travel insurance worth it?
Trawick International’s Safe Travel First Class plan provides the best travel insurance for seniors for the price, according to our analysis. This is the only plan to merit 5 stars in our rating.
Yes, you can get travel insurance over 80, but it will cost you more.
80-year-old travelers pay an average of 18% of their total trip cost for a senior travel insurance policy. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.
Age limits for senior travel insurance vary by insurer. If you are concerned about finding the best travel insurance for seniors over 70, start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.