Senior Travel Insurance

Top Senior Travel Insurance – July 2023


As seniors embark on new adventures and explore the world, having comprehensive travel insurance becomes increasingly important. Senior travel insurance provides valuable coverage specifically tailored to the unique needs and considerations of older travelers. From medical emergencies to trip cancellations, travel insurance offers financial protection and peace of mind during senior journeys.

In this article, we will delve into the world of senior travel insurance, exploring its benefits, coverage options, and considerations. We will discuss the importance of senior travel insurance in providing assistance and protection against unforeseen events that can disrupt travel plans and incur significant expenses.

When you are prepared for the worst, traveling can be more fun. A good insurance policy can help you feel more confident when booking a trip, whether you are planning a river cruise along the Danube River or a walking tour of Rome’s historical sites.

What is the cost of senior travel insurance?

According to a Forbes Advisor study of the rates of travel insurance for seniors, the average cost is $499 for each trip.

The cost of travel insurance is generally determined by the age, duration and cost of your trip.

Our analysis shows that travel insurance for seniors can cost between 7% and 9% of trip costs. You should only insure the parts of your trip that have been pre-paid or are non-refundable.

The Best Senior Travel Insurance: What to Look For

For seniors, medical problems are more common than for younger travelers. Therefore, superior medical coverage and evacuation cover is essential. Forbes Advisor’s rating of the best senior travel coverage included only those plans that provided the following.

Minimum $150,000 per person in coverage for medical expenses

Travel Medical Insurance covers everything from ambulance bills to hospitalizations, diagnostic tests, and prescription medication. Seniors should consider a higher level of insurance because these expenses can quickly add up.

Medical evacuation coverage of at least $250,000

Medical Evacuation Coverage will pay for a medevac that takes you to a more suitable hospital. Medical evacuation insurance can be used to help you get to a more advanced medical facility to treat your condition. A rural clinic in Italy, for example, may not have the equipment to treat a cardiac condition. Your travel insurance company can also arrange medevac transport, so that you do not have to deal with it in a foreign land.

Coverage of Covid-19

Even seniors who are fully immunized may wish to be on guard in case of a Covid breakthrough. Only travel insurance policies that cover medical and trip cancellation expenses related to Covid were included.

More: The best Covid-19 travel insurance plans

Pre-existing conditions covered by insurance

Check to see if your plan includes a waiver of pre-existing conditions. This will remove exclusions from existing conditions. In order to receive the waiver, you must purchase a travel plan within two or three months of your first deposit. The travel insurance company may not cover medical problems that you experienced 60-180 days prior to departure if the waiver isn’t provided. This look-back period varies from provider to provider. Only plans with this waiver were included.

Add “cancel at any time” coverage

Travel insurance policies typically include a list of acceptable reasons for cancellations, including common issues such as sickness, injury or severe weather. Some plans provide an ” cancel at any time” option for extra flexibility.

If you purchase this upgrade, you will be able to get a partial refund (often up to 75% of the trip cost) in case you have to cancel your trip for any reason that is not included in your base policy. If you learn that your granddaughter will be celebrating her birthday during your trip, for example, you can make an insurance claim under “cancel at any time”.

The average cost of travel insurance increases by 50% when this upgrade is added. Only plans with this option were included.

Consider a Plan Annual

Are you retired and plan to travel multiple times in one year? Consider a annual plan. You can cover all your trips under one policy. You will save time by not having to buy a separate policy for each trip. It’s also cheaper than purchasing multiple policies in a year.


Based on data from Squaremouth, an insurance comparison service, Forbes Advisor ranked the top travel insurance for seniors.

Average Price (up to 25% of Score): For two trips with and without CFAR, we compared travel insurance quotes to determine the average price.

  • Couple aged 65 for Italy trip that costs $6,000
  • Couple, age 70, for Mexico trip costing $3,000

Waiver of exclusion for pre-existing conditions (20% score): Scores were awarded to policies that covered pre-existing conditions when purchased within the required timeframe.

Medical expenses (10% score): Travel insurance coverage was evaluated based on the amount covered. Travel insurance policies that provide travel medical expenses of at least $250,000 per person received the highest scores.

Medical evacuation (10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. The highest scores were awarded to travel insurance policies that provide medical evacuation benefits up to $500,000 per person.

Travel insurance policies that cover Covid issues are worth points.

Travel insurance with “Cancel For Any Reason” (10% of the score): Policies that offer a “cancel any reason upgrade” earned points. Those policies offering 75% reimbursements for canceled trips received the most points.

Minimum waiting period to receive travel delay insurance benefits (5% score): A minimum waiting period of six hours was required for the travel delay insurance coverage to kick in.

Travel insurance for trip interruption (5% of the score): The points were awarded if the trip interruption was reimbursed at 150% or more.

Travel insurance for “interruptions for any reasons”: (5% score): Plans received points if a “interruptions for any reasons” upgrade was offered.

Average cost of senior travel insurance

Company Plan name Average travel insurance cost for seniors, per trip
Trawick International Safe Travels First Class $382
Travel Insured Worldwide Trip Protector $431
Cat 70 Travel Plan $436
Tin Leg Gold $436
John Hancock Insurance Agency Silver $436
USI Affinity Ruby $440
Seven Corners RoundTrip Choice $483
WorldTrips Atlas Journey Preferred $483
Nationwide Cruise Luxury $498
Travelex Travel Select $521
HTH Travel Insurance Trip Protector Preferred $533
USI Affinity Diamond $560
John Hancock Insurance Agency Gold $563
TravelSafe Classic $569
WorldTrips Atlas Journey Premier $590
AXA Assistance USA Platinum $622
Source: Squaremouth, a travel insurance comparison provider. Average costs are based on rates for two different trips for travelers ages 65 and 70, both with CFAR coverage and without. Note that plans have different levels of benefits, which can account for price differences.


  1. Extensive Market Research: We conducted thorough research to identify a wide range of senior travel insurance providers available in the market. This involved analyzing industry reports, insurance company websites, customer reviews, and expert opinions to create a comprehensive list of potential candidates.
  2. Coverage Evaluation: We assessed the coverage options offered by each senior travel insurance provider, considering factors such as medical expenses, emergency medical evacuation, trip cancellation/interruption, baggage loss/delay, and other essential features to ensure comprehensive protection for senior travelers.
  3. Age Limitations and Eligibility: We examined the age limitations and eligibility criteria set by each insurance provider, focusing on companies that offer insurance plans specifically designed for seniors and have higher age acceptance limits.
  4. Policy Features and Flexibility: We evaluated the policy features and flexibility of each senior travel insurance plan, including options for trip duration, multiple trips within a specific timeframe, and customization possibilities to meet the diverse needs of senior travelers.
  5. Pre-Existing Conditions Coverage: We considered the extent of coverage provided for pre-existing medical conditions by each insurance provider, looking for companies that offer comprehensive coverage or have favorable policies regarding pre-existing conditions.
  6. Price Analysis: We compared the pricing structures of senior travel insurance plans, considering factors such as coverage limits, deductibles, and overall value for the premium paid. Our aim was to identify insurance providers that offer competitive pricing while delivering excellent coverage and benefits.
  7. Customer Feedback and Satisfaction: We reviewed customer reviews and feedback from reputable sources to gauge the overall satisfaction and experience with each senior travel insurance provider. This involved considering factors such as customer service, claims handling, and overall reliability.
  8. Financial Strength and Stability: We assessed the financial strength and stability of each insurance company, considering their credit ratings, industry reputation, and ability to fulfill their obligations in the event of a claim.
  9. Assistance Services: We examined the availability and quality of assistance services provided by each senior travel insurance company. This included assessing 24/7 emergency assistance, travel support, and access to medical professionals to ensure seniors receive adequate support during their travels.
  10. Expert Opinion: We consulted with industry experts, insurance professionals, and travel advisors to gather insights and opinions on the reputation and performance of each senior travel insurance provider.
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