Travel Insurance for Seniors
Plans with age brackets and underwriting built for older travelers, where Medicare stops at the US border and standard policies often cap out or price out anyone past 70. Look here for higher age limits and clearer pre-existing condition terms.
- 1
Five travel plans with cruise-specific options, minimum $75,000 emergency medical, and 24-hour support with A+ financial strength.
- 2
Senior-specific plans with customizable add-ons, 24/7 emergency assistance, and medical evacuation from Zurich Insurance Group
- 3
Three coverage tiers with trip cancellation coverage up to $100,000 and annual plans for 365-day protection
- 4
Independent traveler insurance with 300+ activity coverage and flexibility to buy or extend coverage even after trip departure
- 5
Up to $500,000 emergency medical coverage and $1,000,000 evacuation with flexible annual plans and age-based pricing
- 6
One of the most widely bought travel insurance brands in the US, with plans (OneTrip Basic through OneTrip Premier) that scale medical and cancellation coverage without the harder underwriting some competitors apply once a traveler passes 65 or 70.
- 7
A long-running US travel insurer whose Select and Flex plans include a cancel for any reason upgrade and coverage for pre-existing conditions when bought early enough, two features that matter more to older travelers weighing a bigger, less refundable trip.
- 8
The US travel insurance arm of AXA, one of Europe's largest insurers, with plans underwritten by Nationwide Mutual and a straightforward trip cancellation plus emergency medical package. Its size and reinsurance backing are a reasonable comfort factor for a traveler wary of a smaller, newer brand.
- 9
Medjet's upper membership tier, adding worldwide security and crisis response on top of its standard air medical transport benefit. It's popular with retirees who travel frequently or spend extended stretches abroad and want one membership covering an entire year rather than buying a new plan per trip.
- 10
Premium coverage up to $1,000,000 medical evacuation with 24-hour pre-existing condition window and protection for ages up to 100
- 11
No age limit on coverage with optional pre-existing condition waiver and 24/7 multilingual assistance including emergency cash transfers
- 12
Customizable plans with primary medical coverage, evacuation support, and pre-existing condition waivers since 1994
- 13
Three-tier plans backed by A.M. Best A-rated Starr Indemnity, America's oldest travel insurance since 1862.
- 14
Worth a second look specifically for its age eligibility. GeoBlue's single-trip Voyager plan accepts applicants up to age 95, well past where several competitors stop selling new short-term policies, without a separate senior underwriting track or extra questionnaire.
- 15
The top tier of IMG's Patriot line, built for travelers who want a higher medical maximum and lower deductible options than the entry-level Patriot plans offer, a combination that tends to matter more the older you are and the more cautious you want your coverage to be.
- 16
Indiana-based insurer offering Liaison travel medical plans with no maximum age limit on select tiers, ideal for retirement travelers.
- 17
Comprehensive coverage up to $500,000 emergency medical and evacuation with 300+ sports activities for travelers 70+
- 18
Multiple specialty plans including WaveCare for cruises and AdrenalineCare for adventure activities with straightforward claims
- 19
Zurich-owned provider serving 15 million travelers with 24/7 emergency assistance and instant online coverage
- 20
Three plan tiers for travelers up to age 85, with International Travel Medical Premium offering $1,000,000 emergency medical and evacuation coverage.
- 21
Established 2012 with Pro and Pro Plus plans, 24/7 assistance, 14-day free look period, and A+ BBB rating
- 22
Founded 1971; offers customizable plans with cancel-for-any-reason coverage and niche options for golfers and Canadians
- 23
Underwrites Atlas America and Atlas International plans that cover travelers into their 90s, popular with expat retirees and snowbirds.
- 24
Membership-based air medical transport with annual, short-term, and expatriate options, underwritten by Lloyd's of London, covers hospital-to-hospital transfer.
- 25
Digital-first insurance with three customizable tiers, 24/7 telemedicine in 21+ languages, underwritten by United States Fire
- 26
Customizable travel insurance for individuals and groups, featured on 2022 Forbes Advisor Best Senior Travel Insurance list.
- 27
UK-founded 2018 insurer with customizable pick-and-choose coverage for 185+ destinations and 24/7 Robin Assist emergency support.
- 28
Pennsylvania-based insurer offering TripProtector travel medical plans with no upper age cap for medical-only coverage and extensive global support.
- 29
Adventure-focused travel insurance covering 400+ sports and activities with up to $1,000,000 medical evacuation, underwritten by Nationwide and Axis.
- 30
Base, Plus, and Luxe plans with Luxe tier offering $1,000,000 medical evacuation, 120-day trip maximum, and 60-day pre-existing condition look-back.
- 31
Safe Travels First Class and Elite plans specifically designed for older travelers, with eligibility extending to age 99.
Frequently asked questions
Are there any plans that offer coverage for people over 80 or 90?
Yes. Some providers offer protection for travelers up to age 100, and others have no age limit at all. You should check specific plan terms to find the best fit for your age bracket.
How can I ensure my pre-existing medical conditions are covered?
Look for plans that offer a pre-existing condition waiver or specific coverage if you purchase your policy early enough. Some companies provide a 24-hour window to secure this coverage, while others offer optional waivers to protect your health history.
What kind of medical evacuation coverage can I expect?
Options vary widely from standard emergency medical benefits to high-limit coverage. Some plans offer up to $500,000 in emergency medical coverage and $1,000,000 for evacuation, while premium options can provide up to $1,000,000 for medical evacuation alone.
Can I get insurance if I'm planning a long trip or traveling multiple times a year?
You can choose annual plans that provide 365-day protection for frequent travelers. Some providers also offer the flexibility to extend your coverage even after your trip has already departed.