Our desire to explore the world doesn’t fade as we age. In fact, seniors are a significant travel demographic, often with more time and resources to dedicate to fulfilling travel dreams. Retirement can be the perfect opportunity to embark on long-awaited adventures and create lasting memories across the globe.
However, traveling in later years can present unique considerations. Health concerns and financial security become even more important. Fortunately, Seniors Travel Insurance is designed to address these concerns, providing a safety net for unexpected events such as medical emergencies, trip cancellations, and lost baggage.
To help you navigate the options, we’ve analyzed data from numerous senior travelers to identify the leading travel insurance providers and plans for 2025. This guide will highlight the best seniors travel insurance options to ensure your journeys are protected and enjoyable.
Understanding Seniors Travel Insurance
Seniors travel insurance is specifically designed to meet the needs of travelers aged 65 and older. These policies offer tailored coverage and benefits that acknowledge the specific risks seniors may encounter while traveling. The goal is to enable seniors to travel with confidence and peace of mind, knowing they are protected against unforeseen circumstances.
A key aspect of seniors travel insurance is often enhanced coverage for pre-existing medical conditions. This is particularly vital for older travelers who are more likely to have existing health issues. The best seniors travel insurance plans will also offer substantial coverage limits for emergency medical expenses and medical evacuations, ensuring access to necessary care throughout the duration of a trip.
Top-Rated Seniors Travel Insurance Plans in 2025
Seniors have a wide array of travel insurance options available to safeguard their trips. Based on our analysis of senior traveler preferences, here are some of the most highly recommended providers.
Best Overall Travel Insurance for Seniors
Seven Corners
- Recognized as a ‘Best Travel Insurance Company’ by Forbes for its robust coverage and customer satisfaction.
- Offers a variety of optional add-ons, including the valuable Cancel For Any Reason (CFAR) benefit for maximum flexibility.
- Provides specialized travel insurance plans designed for cruise vacations, catering to specific cruise-related concerns.
Seven Corners is a popular choice among senior travelers due to its comprehensive policies that address key concerns such as overseas medical costs and unexpected trip disruptions. Their Trip Protection Choice plan, a favorite among seniors, includes coverage for pre-existing medical conditions under certain conditions and optional add-ons like CFAR and Rental Car Damage coverage, providing extensive protection. Seniors appreciate the flexibility and comprehensive nature of Seven Corners’ plans.
Tin Leg
- Rated as the ‘Top Overall Travel Insurance Company’ on Squaremouth, reflecting high customer satisfaction and comprehensive coverage.
- Offers up to $500,000 in Emergency Medical coverage, providing substantial financial protection for medical emergencies.
- Known for its award-winning customer service and efficient claims process, ensuring a smooth experience for travelers.
Tin Leg is a highly regarded travel insurance provider trusted by travelers of all ages. Their policies are developed using industry-leading data and insights to meet the evolving needs of modern travelers. The Tin Leg Gold plan, their most popular option, is particularly appealing to seniors due to its generous coverage limits for essential benefits like Emergency Medical and Medical Evacuation & Repatriation. Seniors value Tin Leg for its comprehensive coverage and excellent customer support.
Generali Global Assistance
- Provides Emergency Medical coverage starting at $50,000 per traveler, offering a solid base level of medical protection.
- Includes up to $2,000 in Baggage Loss protection, helping to mitigate financial losses from lost or stolen luggage.
- Offers Concierge Services with every policy, providing valuable assistance with travel arrangements and emergencies.
Generali Global Assistance is a leading and well-recognized travel insurance provider. They offer a tiered system of comprehensive policies: Standard, Preferred, and Premium, each providing increasing levels of coverage for common travel disruptions. Seniors often choose Generali Global Assistance for their strong industry reputation and competitive pricing. All Generali plans also include generous Accidental Death & Dismemberment (AD&D) coverage at no extra cost, adding an extra layer of protection.
Most Affordable Travel Insurance for Seniors
Berkshire Hathaway Travel Protection
- Features an average premium of $215.87 among senior travelers, making it a budget-friendly option without compromising quality.
- Recognized as ‘Best Overall Travel Insurance Company’ by NerdWallet, highlighting its excellent value and coverage.
- Backed by Berkshire Hathaway, a globally respected and financially strong insurance brand, ensuring reliability.
Berkshire Hathaway Travel Protection, part of the renowned Berkshire Hathaway group, offers affordable trip protection through their ExactCare and LuxuryCare product lines. These plans are ideal for seniors seeking cost-effective travel insurance, whether they need travel medical insurance or comprehensive coverage. All policies also include AD&D protection, enhancing their value. Seniors appreciate the balance of affordability and strong coverage from a reputable brand.
GeoBlue
- Offers an average premium of $221.90 for senior travelers, positioning it as a highly affordable option for international travel.
- Ranked as the ‘Most Affordable International Travel Insurance Company’ of 2025, specifically catering to budget-conscious global travelers.
- Holds the ‘Highest Rated’ travel insurance provider status on Squaremouth, reflecting exceptional customer satisfaction.
GeoBlue specializes in providing affordable travel medical insurance for seniors traveling both domestically and internationally. Known for its combination of low premiums and high customer satisfaction, GeoBlue is a great choice for seniors seeking reliable medical coverage that fits their budget. GeoBlue also offers one of the best Free Look Periods, allowing travelers to cancel their policy for a full refund up until the day before departure, providing added flexibility.
Detour Insurance
- Features an average premium of $226.59 for senior travelers, offering competitive pricing for robust coverage.
- Provides extensive coverage for adventure sports, including hiking, skiing, and scuba diving, appealing to active senior travelers.
- Offers generous Baggage Delay and Baggage Loss coverage, providing peace of mind for luggage handling concerns.
Detour Insurance is an innovative travel insurance company focused on adventure tourism, but their plans are versatile enough to suit all types of travelers. The @the edge and @the edge plus plans offer coverage limits and price points that are attractive to a broad audience. Both plans include up to $1,000,000 in Medical Evacuation coverage, $2,000 for significant travel delays, and $3,000 for Baggage Loss, providing comprehensive protection at a competitive price.
Best Medical Travel Insurance for Seniors
Seven Corners
- Recognized by Forbes as ‘Best Value for Robust Coverage’ in travel medical insurance, emphasizing its strong medical benefits.
- Offers Emergency Medical coverage starting at $50,000, providing substantial financial protection for medical emergencies.
- Includes up to $20,000 in Non-Medical Evacuation coverage, addressing needs beyond just medical emergencies.
Seven Corners is a leading provider of travel medical insurance, especially popular among seniors. All of their plans meet rigorous criteria for overseas health insurance. Many plans also include financial protection for Non-Medical evacuations and extend medical coverage to eligible travelers for pre-existing conditions, making them a comprehensive choice for health-focused seniors.
Berkshire Hathaway Travel Protection
- Voted ‘Best Value Pre-Existing Condition Coverage’ by Squaremouth, highlighting its strength in covering pre-existing medical conditions.
- All policies hold a high AM Best Rating of A++, indicating strong financial stability and reliability.
- No plans require a medical deductible to be met, meaning coverage starts immediately without out-of-pocket expenses before benefits are paid.
Berkshire Hathaway Travel Protection is not only affordable but also a top choice for senior travel medical insurance. Their ExactCare Value and ExactCare Lite policies offer cost-effective medical coverage without sacrificing essential benefits. The absence of a medical deductible and a generous 15-day Free Look Period are particularly appreciated by customers, offering both immediate coverage and flexibility.
Trawick International
- Provides Medical Evacuation coverage starting at $200,000 per person, offering high limits for critical emergency transportation.
- Offers up to $250,000 in Primary Emergency Medical coverage, ensuring extensive medical expense protection.
- Features an extensive worldwide healthcare network, facilitating access to medical care globally.
Trawick International plans are consistently favored for travel insurance, including medical coverage. They offer both comprehensive and travel medical plans designed to address the common concerns of senior travelers. The Safe Travels Voyager plan is their most robust option, offering up to $1,000,000 in Medical Evacuation coverage and $250,000 in Emergency Medical protection, making it ideal for seniors prioritizing high medical coverage limits.
Best Cruise Insurance for Seniors
Seven Corners
- Offers a dedicated cruise-specific travel insurance plan, acknowledging the unique needs of cruise travelers.
- Provides up to $1,500 in Missed Connection coverage if a cruise departure is missed due to travel delays, addressing a common cruise travel concern.
- Coverage extends to cruise excursions such as snorkeling and scuba diving, ensuring protection during onboard and off-board activities.
Seven Corners recognizes the specific disruptions cruise travelers can face and that standard travel insurance may not always be sufficient for cruise vacations. They are among the few providers offering a policy specifically for cruise insurance. Their Cruise policy includes essential benefits like Trip Cancellation, Trip Interruption, ample evacuation coverage, and a variety of optional upgrades, making it a comprehensive choice for senior cruisers.
Tin Leg
- Named ‘Best Adventure Travel Insurance Company’ by Squaremouth, indicating broad coverage suitable for adventurous cruise activities.
- Offers Medical Evacuation coverage starting at $100,000, providing significant protection for onboard medical emergencies.
- Includes Identity Theft coverage in select plans, an added benefit that addresses modern travel risks.
Tin Leg provides excellent coverage for all types of adventures, including cruises. Their plans cover over 400 adventure sports and activities, making them ideal for active seniors on cruise getaways. Tin Leg Gold is a popular choice for cruise travelers, offering generous coverage for unexpected medical expenses, evacuations, and cancellations. Tin Leg policies can also be extended for up to 7 days if a traveler is unable to return home as scheduled at the end of their cruise due to medical reasons.
IMG
- Offers a wide range of policy options to suit different budgets and cruise itineraries, providing flexibility for senior travelers.
- Provides up to $2,000,000 in Medical Evacuation coverage, offering extremely high limits for critical medical transport.
- Popular among seniors traveling with pre-existing medical conditions due to their comprehensive coverage options.
IMG is a well-established and reputable travel insurance provider with over 30 years of experience. They offer a broad selection of comprehensive plans that prioritize the needs of international travelers, including cruise passengers. IMG’s Patriot International Platinum policy is particularly robust, offering strong protection for medical expenses and evacuations, along with $25,000 in non-medical evacuation coverage, ensuring comprehensive emergency assistance for cruisers.
Best Travel Insurance for Seniors with Pre-Existing Conditions
IMG
- Pre-existing Condition coverage is available with most plans, making them accessible for seniors with ongoing health concerns.
- Offers up to $2,000,000 in Pre-Ex coverage, providing high limits for medical emergencies related to pre-existing conditions.
- Includes 24-Hour Emergency Assistance Services with every plan, ensuring continuous support for medical and travel emergencies.
IMG provides numerous coverage options for seniors traveling with pre-existing medical conditions. They offer a wide variety of plans with strong pre-existing condition coverage and some of the highest coverage limits available in the market. Travelers also benefit from IMG’s excellent customer support, providing peace of mind with access to emergency assistance before and during their trips.
Tin Leg
- Offers a variety of plans that include pre-existing condition waivers, potentially waiving exclusions for pre-existing conditions under certain circumstances.
- All policies hold an “Excellent” rating from AM Best, indicating financial strength and reliability.
- Underwrites the top-selling policy on Squaremouth (Gold), demonstrating customer trust and satisfaction.
Tin Leg policies are consistently popular among seniors, especially those needing pre-existing medical condition protection. Select plans offer up to $500,000 in Emergency Medical coverage, which is substantial for both international and domestic travel. A key benefit appreciated by customers is that no Tin Leg plans require a medical deductible to be met to receive coverage, making healthcare access more immediate.
Trawick International
- Pre-existing Condition coverage is available with most plans, catering to seniors with existing health issues.
- Recognized as a ‘Best Travel Insurance Company’ by Forbes, highlighting its overall quality and customer satisfaction.
- Multiple plans offer up to $1,000,000 in Med Evac coverage, providing high limits for medical evacuation needs.
Trawick International has extensive experience in providing travel insurance to a diverse clientele, including seniors. Their policies are designed to serve tourists, business travelers, and groups. While known for comprehensive coverage, Trawick International’s travel medical plans are particularly popular among seniors seeking health insurance that includes coverage for pre-existing conditions, offering both robust protection and peace of mind.
Understanding the Cost of Seniors Travel Insurance
Typically, comprehensive travel insurance costs between 5-10% of the total trip cost. For seniors, this means you can generally expect to pay around $400-$450 for comprehensive coverage for an international trip, though this is an average and can vary.
Several factors influence the price of travel insurance, including the traveler’s age, destination, trip duration, and the desired coverage amounts. Policy add-ons and upgrades will also affect the overall cost.
For seniors who travel frequently, annual travel insurance plans, also known as multi-trip plans, can be a cost-effective option. These plans offer similar benefits to single-trip policies but cover multiple trips within a 12-month period. Annual plans are often beneficial for those planning three or more international trips per year.
Is Seniors Travel Insurance a Worthwhile Investment?
Yes, travel insurance is highly recommended for seniors, especially for international travel from the U.S. Many domestic health insurance policies, including Medicare, typically do not provide coverage outside the United States.
The cost of travel insurance is often minimal compared to the potential expenses of medical treatment abroad or the financial losses from trip cancellations.
Most reputable travel insurance companies offer 24/7 emergency assistance services, which can be invaluable for senior travelers, providing support and peace of mind should unexpected issues arise during their travels.
Optimal Timing for Purchasing Seniors Travel Insurance
It’s advisable for seniors to purchase travel insurance as soon as possible after booking their trip, particularly if cancellation concerns are present. Early purchase is crucial for accessing time-sensitive benefits such as Pre-Existing Condition coverage and Cancel For Any Reason (CFAR) upgrades.
Purchasing insurance early also maximizes coverage if unforeseen events such as medical emergencies, natural disasters, or other covered incidents occur before the trip, ensuring financial protection from the moment of purchase.
Recommended Travel Medical Insurance Coverage Amounts for Seniors
Medical coverage levels can vary significantly between different plans. Given the importance of health protection for senior travelers, it’s essential to carefully review coverage limits when comparing policies.
For seniors, aiming for at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage is generally recommended. These coverage amounts typically provide adequate financial protection for most travel scenarios. Always review policy exclusions, deductibles, and eligibility requirements to fully understand the coverage details.
Does Medicare Extend Coverage to International Travel?
No, Medicare and most U.S. domestic health insurance plans generally do not cover medical expenses incurred outside of the United States. This is a primary reason why travel insurance with medical coverage is particularly important for seniors traveling internationally.
While Medicare typically does not cover international medical costs, it may cover emergencies within the U.S. or its territories, such as Puerto Rico, Guam, and the U.S. Virgin Islands. Limited coverage might also be available in Canada under specific circumstances. It’s important to review your specific healthcare plan documentation for detailed information.
Are There Age Limits for Travel Insurance?
Generally, most travel insurance providers do not impose strict age limits and offer policies to travelers of all ages. Providers that do have age restrictions will typically specify them within their policy details, such as in the Certificate of Insurance. For example, a policy might state that it does not cover travelers over the age of 100. However, most seniors should be able to find suitable travel insurance coverage regardless of their age.
Essential Benefits to Look for in the Best Seniors Travel Insurance
Approximately 40% of travelers insured through Squaremouth are seniors, highlighting the value of travel protection for older adults. When selecting the best seniors travel insurance, consider policies that include the following key benefits:
- Emergency Medical Coverage: Essential for covering medical expenses due to illness or injury while traveling.
- Medical Evacuation: Crucial for transporting you to a suitable medical facility if local care is inadequate.
- Trip Cancellation: Protects your prepaid, non-refundable trip costs if you have to cancel your trip for a covered reason.
- Trip Interruption: Reimburses unused, prepaid trip costs and additional expenses to return home early due to a covered reason.
- Baggage Loss and Delay: Provides compensation for lost, stolen, or delayed baggage.
- Pre-Existing Condition Coverage: Important for seniors with existing health conditions, ensuring coverage for related medical issues during travel (often requires purchasing the policy within a specific timeframe of initial trip booking).
- 24/7 Emergency Assistance: Provides access to support services for medical and travel emergencies at any time.
- Cancel For Any Reason (CFAR): An optional upgrade that allows you to cancel your trip for reasons not typically covered, offering maximum flexibility (usually reimburses a percentage of trip cost and has specific requirements).
By carefully considering these benefits and comparing policies from reputable providers, seniors can find the best travel insurance to suit their needs and travel confidently in 2025.
