Best travel insurance for seniors 2024
Tags: travel, health
Published: 2024-05-10 12:49:24

Traveling can be an exciting adventure, but it also comes with risks. As we age, unexpected health issues or accidents become more likely when away from home. Travel insurance provides seniors coverage for medical emergencies, trip cancellations or interruptions, lost luggage, and other travel mishaps. Having a policy can provide peace of mind and financial protection.

- Best Senior Travel Insurance Companies
- What Does Travel Insurance For Seniors Cover?
- How Much Does Senior Travel Insurance Cost?
- How To Choose Senior Travel Insurance?
- Frequently Asked Questions

This guide was compiled after analyzing statistics from over **50 companies**. We've meticulously compared the top travel insurance providers for seniors, delving into the most critical coverage options, discussing pre-existing conditions and age limits, examining costs, the claims process, COVID-19 considerations, and more. With this information, seniors can confidently find an affordable policy that aligns with their needs and embark on their travels with assurance.

| Company                | Age Limit | Medical Expense Limits | BBB Rating | Policy Cost | Claim Process                           | Exclusions and Limitations                                        | Policy Flexibility                   |
|------------------------|-----------|------------------------|------------|-------------|-----------------------------------------|--------------------------------------------------------------------|--------------------------------------|
| Travel insurance for seniors | No Limit  | $200,000+              | A+         | $100-$400   | Online portal, Phone, Email, Documentation required | - High-risk activities limitations, - Pre-existing conditions limitations | Customizable coverage options available |
| AARP                   | No Limit  | $250,000+              | A+         | $300-$600   | Online portal, Phone, Email, Documentation required | - Excludes high-risk activities, - Pre-existing conditions limitations | Customizable coverage options available |
| IMG                    | No Limit  | $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 |
| 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 |
| Seven Corners          | No Limit  | $50,000+               | A-         | $250-$600   | Online portal, Phone, Email, Documentation required | - Excludes high-risk activities, - Pre-existing conditions limitations | Add-ons available for tailored coverage |
| Tin Leg                | No Limit  | $250,000+              | A+         | $250-$700   | Online portal, Phone, Documentation required | - Excludes pre-existing conditions, - Age limit for trip cancellation | Customizable coverage options available |
| Trawick International  | No Limit  | $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 buying travel insurance for seniors, finding a reputable provider that offers comprehensive coverage options tailored to your needs is essential. Here are some top providers to consider:

### [Travel insurance for seniors](https://seniors-travel-insurance.ca/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/9bxg5niw8c2pp95hzo9r.jpg)

- Emergency Medical Coverage 
- 24/7 Emergency Assistance 
- Cancel for Any Reason 

Travel insurance for seniors provides comprehensive coverage tailored to their needs, including COVID-19 coverage, overseas emergency assistance, and medical/hospital coverage. The policy has an AA+ rating and fast online processing. The best annual travel insurance plans offer unlimited medical expense coverage, safe transportation, and 24-hour emergency assistance. With dedicated customer service, seniors can enjoy a seamless travel experience worldwide.

Pros:
- Comprehensive coverage for medical emergencies and trip cancellations/interruptions
- Policies designed specifically for senior travelers, including coverage for pre-existing conditions
- No age limit on many AARP travel insurance plans, providing options for those over 70 and 80

Cons: 
- Limited coverage for pre-existing conditions may leave some seniors unprotected
- Restrictions on trip duration or destinations may limit travel flexibility for seniors
- Exclusions for certain adventurous activities or extreme sports may only suit some senior travelers' preferences

Additional Services:

- Emergency Evacuation
- Single Trip Travel Insurance
- Domestic Travel Insurance

Ready to safeguard your travels with reliable coverage? Explore our comprehensive [travel insurance plans for seniors](https://seniors-travel-insurance.ca/) today for peace of mind and financial protection for your next adventure. 

### [AARP](https://www.aarp.org/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/q6qt2zfi19xbbeu0eyic.png)
- Emergency Medical Coverage 
- Trip Cancellation 
- Baggage Loss 
- Emergency Evacuation 
- Repatriation

AARP offers travel insurance specifically designed for seniors, catering to the unique requirements of older travelers. Their insurance plans include coverage for medical emergencies, trip cancellations, lost luggage, and other unexpected events that may occur during travels. This insurance is crucial for seniors as it provides peace of mind and financial protection in case of health emergencies or unforeseen circumstances while abroad.

Pros:

- Comprehensive coverage for medical emergencies and trip cancellations/interruptions
- Policies tailored to the needs of senior travelers, including coverage for pre-existing conditions
- No age limit on many AARP travel insurance plans, providing options for those over 70 and 80

Cons:
- AARP life insurance products, including final expense policies, may be more expensive than other providers
- AARP term and whole life insurance plans can be problematic for seniors to qualify for due to health questions and waiting periods
- Some negative customer feedback on sites like ConsumerAffairs, though AARP's underwriter, New York Life, has average complaint ratios

Additional Services:
- Concierge Services 
- Medical Assistance Hotline 
- Travel Planning Assistance

### [IMG](https://www.imglobal.com/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/0bqudicham0cfd8cgpx1.jpg)

- Emergency Medical Coverage 
- Adventure Sports Coverage 
- Global Network Assistance

International Medical Group (IMG) is a reputable provider of international medical and travel insurance, serving customers for over 20 years in more than 190 countries. They offer various plans catering to various needs, including coverage for students, travelers, expats, seniors, and more. IMG stands out for providing up to $8 million in emergency care and medical evacuation coverage, significantly higher than many competitors. Their policies offer extensive coverage limits, with medical limits reaching up to $8 million, surpassing what most other providers offer. IMG also provides additional coverages like benefits for missed flights and pet kennel bills, although these may vary by plan.

Pros:
- Extensive experience in the industry, serving customers for over 20 years.
- Coverage available in over 190 countries.
- Offers up to $8 million in emergency care and medical evacuation coverage.
- Provides a diverse range of plans for seniors and other needs.

Cons:
- Negative customer reviews regarding claims processing and customer service.
- Some basic plans do not include baggage delay benefits.

Additional Services:
- Travel Assistance Beyond Emergencies 
- Medical Referrals

### [Allianz](https://www.allianztravelinsurance.com/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/xu1wv5ye0yegpctl8mcu.jpg)

- Emergency Medical Coverage 
- Senior-Friendly Policies 
- Trip Cancellation Benefits

Allianz Global Assistance offers a range of travel insurance products designed for seniors, catering to travelers up to 85 years old. Their policies cover various needs, including trip curtailment, delayed personal possessions, and missed departures. Allianz's senior travel insurance is available for both inbound and outbound travel, with options for single trips and annual coverage. The company's age limit allows seniors to travel safely and with peace of mind, covering them in Europe and the rest of the world.

Pros:

- Offers a range of products, including single trip and annual coverage.
- Provides coverage for trip curtailment, delayed personal possessions, and missed departures.
- Available for both inbound and outbound travel.
- Covers Europe and the rest of the world.
Cons:
- Some policies may have strict age restrictions, limiting coverage for older seniors.
- The cost of premiums may be higher for older travelers.
- The availability of certain policies may be limited due to travel restrictions.

Additional Services:
- Trip Interruption Coverage 
- Concierge Services

### [Seven Corners](https://www.sevencorners.com/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/y9a4d0yevyuqaqddwq35.jpg)

- Emergency Medical Coverage 
- 24/7 Emergency Assistance 
- Flexible Coverage Options

Seven Corners is a well-known travel insurance provider offering a variety of plans tailored for seniors. These plans provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their plans are popular among senior travelers due to their competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options. Seven Corners stands out for its efficient claims process and excellent customer service, making it a reliable choice for older travelers. 

Pros:
- Comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.
- Competitive prices and generous coverage limits.
- Options for pre-existing conditions and medical evacuation.
- Efficient claims process and excellent customer service.

Cons:
- There are age restrictions or limited coverage for certain conditions in some policies.
- Higher premiums for older travelers.
- Seniors need to review plan details carefully to ensure coverage meets their needs.

Additional Services:

- Legal Assistance
- Medical Translation Services

### [Tin Leg](https://www.tinleg.com/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/lz6w6xuaq8vf7qooopn7.jpg)

- Emergency Medical Coverage 
- Cancel for Any Reason 
- Enhanced Medical Coverage

Tin Leg offers a variety of travel insurance plans tailored for seniors, providing comprehensive coverage for medical emergencies, trip cancellations, and lost belongings. Their policies are known for high coverage limits, particularly in medical and medical evacuation coverage. Tin Leg's customer service operates 24/7, offering assistance for various issues beyond medical emergencies. Additionally, they offer a range of deductible options, allowing seniors to customize their coverage to fit their budget.

Pros:
- High coverage limits, especially for medical and medical evacuation.
- Competitive premiums and budget-friendly plans.
- Comprehensive coverage at a lower cost compared to other providers.
- 24/7 customer service for various travel-related issues.

Cons:
- Limited customizability in plans.
- Limited rental car coverage.

Additional Services:

- Trip Delay Benefits
- Emergency Reunion
- Concierge Services

### [Trawick International](https://www.trawickinternational.com/)

![Image description](https://dev-to-uploads.s3.amazonaws.com/uploads/articles/su5z1wy3vaitoiy3br1i.jpg)

- Emergency Medical Coverage 
- Customizable Plans 
- Comprehensive Benefits

Trawick International offers senior travel insurance plans with higher benefits than other senior travel insurance options, making it an excellent choice for non-U.S. travelers over 70. Their policies provide comprehensive coverage for medical emergencies, trip cancellations, and lost belongings, catering to the unique needs of older travelers. Trawick International stands out for its competitive prices and generous coverage limits, including pre-existing conditions and medical evacuation options.
Pros of Trawick International Travel Insurance for Seniors:
Higher benefits than other senior travel insurance plans.
Comprehensive coverage for medical emergencies, trip cancellations, and lost belongings.
Competitive prices and generous coverage limits.
Options for pre-existing conditions and medical evacuation.

Cons:

- Limited availability to insureds up to age 65.
- Some policies may have restrictions on coverage for certain conditions.
- Seniors must review plan details carefully to ensure coverage meets their needs.

Additional Services:

- Medical Evacuation
- Medical Monitoring Services

## What Does Travel Insurance For Seniors Cover?

Travel insurance for seniors citizens typically covers medical emergencies, trip cancellations/interruptions, and baggage loss or delay.
Regarding medical coverage, international travel insurance for seniors often includes travel medical insurance, which covers emergency medical expenses, hospitalization, and emergency medical evacuation. Seniors need to prioritize the medical coverage aspect of their travel insurance policy.
Travel insurance for seniors also covers trip cancellations or interruptions due to unforeseen circumstances such as illness, injury, or death of a family member. This coverage can reimburse non-refundable expenses like prepaid flights, accommodation, and tour fees.
Moreover, seniors can expect baggage loss or delay coverage, which provides compensation for replacing essential items and covers the cost of purchasing necessary clothing and toiletries while waiting for delayed baggage.
It's essential for seniors to carefully review travel insurance policies to ensure that their specific needs and requirements are adequately covered during their trips.
Please note that the coverage and specific terms of travel insurance policies for seniors may vary depending on the insurance provider and policy chosen. It is recommended to thoroughly read and understand the policy details before purchasing.

## How Much Does Senior Travel Insurance Cost?
Senior travel insurance costs approximately $416 to $434 per trip. However, the cost may vary depending on age, destination, trip duration, coverage limits, and any pre-existing medical conditions. To get an accurate cost estimate, it is recommended that you obtain quotes from various insurance providers, considering your specific travel needs and circumstances.

It's worth mentioning that different insurance companies may offer other coverage options and pricing structures for cheap travel insurance for seniors, so it's advisable to compare multiple options before deciding.

## How To Choose Senior Travel Insurance?

To choose the best seniors travel insurance, consider the following factors:

- Coverage for Pre-existing Medical Conditions: Look for policies that offer coverage for pre-existing medical conditions, as this is crucial for seniors. Ensure the policy includes comprehensive medical coverage and emergency medical evacuation.
- Age Limits and Eligibility: Check the age limits for coverage and eligibility for seniors. Some policies may have age restrictions, so it's important to find an insurer that caters specifically to seniors.
- Trip Cancellation and Interruption Coverage: Evaluate if the policy offers adequate coverage for trip cancellations or interruptions, including reimbursement for pre-paid and non-refundable trip expenses due to unforeseen circumstances.
- Emergency Assistance Services: Ensure the policy provides 24/7 emergency assistance services and access to a global network of healthcare providers.
- Benefit Limits and Deductibles: Assess the benefit limits and deductibles to ensure they align with your travel needs and provide sufficient coverage.
- Policy Flexibility and Customization: Look for policies that allow customization based on the specific requirements of the trip and the individual's health needs.
- Review Customer Reviews and Ratings: Research customer reviews and ratings of different insurance companies to gauge satisfaction and reliability.
- Compare Multiple Quotes: Obtain quotes from different insurance providers and compare the cost, coverage, and additional benefits offered.

Considering these factors, seniors can make informed decisions when choosing the best travel insurance.
It's important to note that the best travel insurance for seniors over 70 may vary based on individual circumstances, so it's advisable to carefully review policy details and consult with the insurance provider if necessary.


## Frequently Asked Questions

### Do seniors need travel insurance?
Yes, travel insurance is highly recommended for seniors. It provides coverage for a range of unexpected events such as medical emergencies, trip cancellations, lost baggage, and more.

### What age is considered senior for travel insurance?
The age at which someone is considered a senior may vary among insurance providers, but it is typically around 65 years and older.

### Is it expensive for seniors to purchase travel insurance abroad?
Travel insurance premiums for seniors may be slightly higher due to factors such as age and potential health risks. However, it is recommended that you compare quotes from different insurance providers to find the best coverage at a competitive price.

### What insurance coverage is the most important for senior travelers?
The most important insurance coverage for senior travelers is medical coverage, specifically travel medical insurance and emergency medical evacuation coverage. These coverages provide financial protection and peace of mind in case of unexpected health emergencies while traveling.

### Does senior travel insurance cover pre-existing conditions?
Travel insurance for seniors typically excludes coverage for pre-existing conditions, but some policies offer the option to obtain coverage for pre-existing conditions through a pre-existing medical condition exclusion waiver. This waiver can provide coverage for pre-existing conditions under certain conditions and restrictions.