Michelle MegnaLead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.
Michelle Megna
Michelle MegnaLead Editor, Insurance
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.
Lead Editor, Insurance
Joe CroninTravel and Health Insurance Expert
Joe Cronin is the president of International Citizens Insurance, a subsidiary of International Citizens Group Inc. He is responsible for all aspects of International Citizens Insurance operations, including strategy, marketing and sales. An expert in international health, life and travel insurance plans, Cronin is focused on providing international citizens, expatriates and global nomads with the best advice on ensuring they are covered for medical emergencies worldwide. International Citizens Insurance is that resource. Having lived and traveled throughout the world, his vast experience is now available to visitors researching global insurance plans for all situations.
With his expertise in international financial services, travel and new media, he founded and grew Edvisors, Envisage International and the International Education Finance Corporation into multimillion dollar businesses.
Cronin has lived in or traveled to every corner of the globe, including Moscow, Tokyo, Mexico City, Sydney, London, Argentina and Athens. He believes that an essential benefit of international travel is how it brings different cultures together. Cronin is passionate about helping expatriates with their international relocation and helping travelers of all types secure safe, affordable and effective global insurance for their international adventures.
Expert Reviewed
Joe Cronin
Joe CroninTravel and Health Insurance Expert
Joe Cronin is the president of International Citizens Insurance, a subsidiary of International Citizens Group Inc. He is responsible for all aspects of International Citizens Insurance operations, including strategy, marketing and sales. An expert in international health, life and travel insurance plans, Cronin is focused on providing international citizens, expatriates and global nomads with the best advice on ensuring they are covered for medical emergencies worldwide. International Citizens Insurance is that resource. Having lived and traveled throughout the world, his vast experience is now available to visitors researching global insurance plans for all situations.
With his expertise in international financial services, travel and new media, he founded and grew Edvisors, Envisage International and the International Education Finance Corporation into multimillion dollar businesses.
Cronin has lived in or traveled to every corner of the globe, including Moscow, Tokyo, Mexico City, Sydney, London, Argentina and Athens. He believes that an essential benefit of international travel is how it brings different cultures together. Cronin is passionate about helping expatriates with their international relocation and helping travelers of all types secure safe, affordable and effective global insurance for their international adventures.
Travel and Health Insurance Expert
Expert Reviewed
Updated: Jun 1, 2024, 10:39am
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
We analyzed 26 policies and found that PrimeCover and Seven Corners offer the best senior travel insurance, earning five out of five stars in our analysis.
Not all travel insurance policies provide top-rated coverage for senior travelers. When shopping for travel insurance, you’ll want to look for a policy that provides robust travel medical expenses and coverage for pre-existing conditions. You can also use travel insurance to protect your trip investment if delays and emergencies derail your trip.
Considering Travel Insurance?
See How Much It Costs To Protect Your Next Trip
Via Forbes Advisor's Website
Read more
Summary: Best Senior Travel Insurance Companies
| Top-scoring policy for seniors | Company | Company - Logo | Forbes Advisor Rating | Forbes Advisor Rating | Travel medical/emergency evacuation coverage limit per person | Travel medical insurance primary or secondary coverage? |
|---|---|---|---|---|---|---|
| Luxe | PrimeCover |  | 5.0 |  | $250,000/$1 million | Primary |
| Trip Protection Choice | Seven Corners |  | 5.0 | | $500,000/$1 million | Primary |
| Gold | Tin Leg |  | 4.8 |  | $500,000/$500,000 | Primary |
| Worldwide Trip Protector | Travel Insured |  | 4.8 | | $100,000/$1million | Primary |
| Ruby | USI Affinity |  | 4.8 | | $250,000/$500,000 | Primary |
| Premium | Generali Global Assistance |  | 4.5 |  | $250,000/$ 1 million | Secondary |
| Cruise Luxury | Nationwide |  | 4.5 | | $150,000/$1 million | Secondary |
| GoReady Pandemic Plus | Aegis (formerly GoReady) |  | 4.2 |  | $50,000/$500,000 | Secondary |
| TripProtector Preferred | HTH Worldwide |  | 4.2 | | $500,000/$1 million | Primary |
| Atlas Journey Preferred | WorldTrips |  | 4.2 | | $100,000/$1 million | Secondary |
| Silver | John Hanco*ck Insurance Agency |  | 4.1 | | $100,000/$500,000 | Primary |
| Diamond | USI Affinity | | 4.1 | | $500,000/$1 million | Primary |
| Prime | Nationwide | | 4.0 | | $150,000/$1 million | Primary |
How We Chose the Best Senior Travel Insurance
Best Senior Travel Insurance Companies
PrimeCover
5.0
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Luxe
Average price for seniors per trip
$579
Medical & evacuation limits per person
$250,000/$1 million
Via Forbes Advisor's Website
Luxe
$579
$250,000/$1 million
Editors’ Take
We like the Luxe policy because it has superior benefit limits for most core coverage types. We recommend it because of its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.
- Travel medical coverage provides “hospital of choice,” so you can choose the medical facility to be transported to rather than going to the nearest adequate treatment center.
- Includes search and rescue benefits of $5,000 and non-medical evacuation benefits of $100,000.
- Superior trip interruption reimbursem*nt of 200%, twice that of many competitors.
- “Interruption for any reason” upgrade available.
More:PrimeCover Travel Insurance Review
Drawbacks
- Medical expense travel insurance limits of $250,000 per person are excellent, but some competitors provide $500,000.
Closer Look
Here’s a look at the top coverage types in the Luxe policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $250,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 21 days of first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | $100,000 |
CFAR reimbursem*nt | 75% |
Travel delay | $3,000 per person |
Concierge services | Yes |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Seven Corners
5.0
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Trip Protection Choice
Average price for seniors per trip
$483
Medical expenses/medical evacuation limits per person
$500,000/$1 million
Via Forbes Advisor's Website
Trip Protection Choice
$483
$500,000/$1 million
Editors’ Take
We picked Seven Corners’ Trip Protection Choice as the top scoring plan for seniors because it has the lowest average price among top-rated policies and has an all-around exceptional package of benefits. We also like its optional add-on coverage choices, which include sports equipment rental coverage, event ticket coverage and rental car coverage.
- “Interruption for any reason” and “cancel for any reason” upgrades available.
- Pet kennel benefit of $500 if your return home is delayed by six hours or more due to qualifying interruption, missed connection or delay problems.
- Change fee compensation of $300 per person if you have to change your flight or travel arrangements because of a qualifying event.
More: Seven Corners Travel Insurance Review
Expert’s Take
Seven Corners stands out for its variety of plan options, which can be tailored to suit the needs of a wide range of travelers, from students to seniors. Their specialty plans—like those catering to frequent travelers—offer great value, although navigating the options can sometimes be complex for new users.
– Jim Campbell, independent travel agent and founder of Honeymoons.com
Drawbacks
- The average cost for seniors for the Trip Protection Choice plan was about average among the top plans we evaluated, but it provides superior levels of coverage.
Closer Look
Here’s a look at the top coverage types in the Trip Protection Choice policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $500,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 20 days of your first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | $20,000 per person |
CFAR reimbursem*nt level | 75% |
Travel delay | $2,000 per person |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Tin Leg
4.8
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Gold
Average price for seniors per trip
$436
Medical expenses/medical evacuation limits per person
$500,000/$500,000
Via Forbes Advisor's Website
Gold
$436
$500,000/$500,000
Editors’ Take
We like Tin Leg’s Gold plan for its good medical benefits and competitive price—its average cost for seniors is the fourth-cheapest policy among the top-scoring policies.
- Excellent medical evacuation coverage limits.
- Great travel medical expense coverage limits.
- Airline ticket change fee benefits of $200 with a minimum delay of one hour.
More: Tin Leg Travel Insurance Review
Expert’s Take
This plan is competitively priced for all-around coverage.
– Timon van Basten, tour guide and founder of Travel Spain 24.
Drawbacks
- Baggage delay coverage doesn’t kick in until 24 hours of delay.
- Baggage loss reimbursem*nt is on the low end at $500 per person.
Closer Look
Here’s a look at the top coverage types in the Gold policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $500,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days from your initial trip deposit |
Medical evacuation & repatriation | $500,000 per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt level | 75% |
Travel delay | $500 per person |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Travel Insured International
4.8
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Worldwide Trip Protector
Average price for seniors per trip
$431
Medical & evacuation limits per person
$100,000/$1 million
Via Forbes Advisor's Website
Worldwide Trip Protector
$431
$100,000/$1 million
Editors’ Take
We picked the Worldwide Trip Protector plan because of its robust evacuation benefits: $1 million for medical and $150,000 for non-medical. We also like that it’s the third cheapest plan, on average, among those we evaluated. If you have pets, we recommend this policy because pet kennel benefits of up to $500 are included if you return three hours or more later than your planned return date.
- “Interruption for any reason” upgrade available.
- Offers travel inconvenience benefits that reimburse you for closed attractions and beaches, rainy weather, tarmac delays and more.
- Offers ticket protection that pays up to $1,000 if you can’t attend due to a problem covered by your policy.
- Offers bed rest benefits that pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.
More: Travel Insured Travel Insurance Review
Expert’s Take
As a veteran travel insurance company of over 25 years, I think Travel Insured offers a wide range of customizable plans to meet diverse traveler needs. Their quality coverage and excellent customer service ensure policyholders feel secure while exploring internationally.
– Timon van Basten, tour guide and founder of Travel Spain 24
Drawbacks
- Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
Closer Look
Here’s a look at the top coverage types in the Worldwide Trip Protector policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $100,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 21 days of your first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | $150,000 per person |
CFAR reimbursem*nt level | 75% |
Travel delay | $1,500 per person |
Concierge services | Yes |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
USI Affinity
4.8
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Ruby
Average price for seniors per trip
$440
Medical & evacuation limits per person
$250,000/$500,000
Via Forbes Advisor's Website
Ruby
$440
$250,000/$500,000
Editors’ Take
We’re impressed with USI’s Ruby plan for its variety of top-level benefits, including excellent coverage for medical and evacuation expenses. We also like its competitive average cost. The Ruby plan is the fifth-cheapest among 12 top-scoring policies we assessed.
- Excellent coverage limit of $250,000 for medical expenses.
- Excellent coverage limit of $500,000 for medical evacuation.
- Good travel delay coverage of $1,000 per person.
- Decent missed connection coverage for cruise and tours of $750 per person after 3-hour delay.
More: USI Affinity Travel Insurance Review
Expert’s Take
Personalized attention and modifiable coverage make USI Affinity a top resource.
– Timon van Basten, tour guide and founder of Travel Spain 24
Drawbacks
- Baggage delay coverage is on the low side at $300 per person and requires a 12-hour delay for benefits to start.
Closer Look
Here’s a look at the top coverage types in the Ruby policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $250,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days of your first trip deposit |
Medical evacuation & repatriation | $500,000 per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt level | 75% |
Travel delay | $1,000 per person |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Generali Global Assistance
4.5
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Premium
Average price for seniors per trip
$445
Medical expenses/medical evacuation limits per person
$250,000/$1 million
Via Forbes Advisor's Website
Premium
$445
$250,000/$1 million
Editors’ Take
We recommend seniors take a look at Generali’s Premium plan for its good prices, excellent trip interruption insurance and superior medical evacuation benefits. Those with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit.
- You can qualify for coverage of pre-existing medical conditions if you buy the policy prior to or within 24 hours of making your final trip payment, as opposed to a deadline of 10 to 20 days after making your first trip deposit, which is typical from top competitors.
- Excellent trip interruption coverage of up to 175% of your trip costs.
- Very good baggage loss coverage at $2,000 per person.
More: Generali Global Assistance Travel Insurance Review
Expert’s Take
Generali has a very good reputation. Their policies usually have generous medical benefits and provide rescue flights. But some plans cost too much without adding value. I heard it’s not always easy to get money back for claims, too, so do your homework.
– Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk
Drawbacks
- You must buy “cancel for any reason” coverage within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
- Baggage delay benefits kick in only after a 12-hour delay.
Closer Look
Here’s a look at the top coverage types in the Premium policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $250,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Prior to or within 24 hours of your final trip payment |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt level | 75% |
Travel delay | $1,000 per person $300 daily limit Covered after 6 hour delay |
Concierge services | Yes |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Nationwide
4.5
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Cruise Luxury
Average price for seniors per trip
$498
Medical & evacuation limits per person
$150,000/$1 million
Via Forbes Advisor's Website
Cruise Luxury
$498
$150,000/$1 million
Editor’s Take
We like Nationwide’s Cruise Luxury plan for its array of generous evacuation benefits at a decent price. It has great baggage delay benefits of $1,000 per person, and good travel delay benefits of $1,000 per person covered after only a 6-hour delay.
- “Interruption for any reason” upgrade available.
- Excellent medical evacuation coverage, and includes $25,000 in non-medical evacuation benefits.
- Excellent missed connection coverage of $2,500 per person after only a 3-hour delay.
More: Nationwide Travel Insurance Review
Expert’s Take
Nationwide’s variety of plans allows tailoring coverage to different budgets. As someone who’s traveled on a tight budget before, Nationwide’s competitive rates were very appealing.
– Kelly Duhigg, travel expert and founder of Girl with the Passport
Drawbacks
- Medical coverage of $150,000 is lower than most other top-rated plans but might be sufficient for your needs.
- A 24-hour delay is required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.
Closer Look
Here’s a look at the top coverage types in the Cruise Luxury policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $150,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days of your first trip deposit. |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | $25,000 per person |
CFAR reimbursem*nt | 75% |
Travel delay | $1,000 per person $200 daily limit Covered after 6 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Aegis (formerly GoReady)
4.2
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
GoReady Pandemic Plus
Average price for seniors per trip
$390
Medical & evacuation limits per person
$50,000/$500,000
Via Forbes Advisor's Website
Editors’ Take
We choose GoReady Pandemic Plus because of its competitive cost. It has the second lowest average cost for seniors among the policies we looked at. If you want a bargain and aren’t concerned about very low coverage amounts for some core benefits, the GoReady Pandemic Plus plan is worth checking out.
- Decent medical evacuation benefits of $500,000.
- Very good trip interruption benefits of 150% of insured trip cost.
- Decent baggage insurance of $2,500.
More: Aegis Insurance Agency Travel Insurance Review
Expert’s Take
Aegis is affordable for basic protection. They explain clearly what’s covered and what isn’t. People say claims go smoothly, too. Just know deductibles may be higher or payout limits lower than other insurers charging more.
– Jenoa Matthes, travel expert, gastronomy trips organizer and the founder of The Travel Folk
Drawbacks
- Travel medical insurance coverage of just $50,000 per person is low compared to many competitors.
- Missed connection benefits of $250 is pretty skimpy compared to many other top-rated policies evaluated.
Closer Look
Here’s a look at the top coverage types in the GoReady Pandemic Plus policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $50,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days of first trip deposit |
Medical evacuation & repatriation | $500,000 per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt | 75% |
Travel delay | $1,000 per person $200 daily limit Covered after 6 hour delay |
Concierge services | none |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
HTH Worldwide
4.2
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
TripProtector Preferred
Average price for seniors per trip
$533
Medical expenses/medical evacuation limits per person
$500,000/$1 million
Via Forbes Advisor's Website
TripProtector Preferred
$533
$500,000/$1 million
Editors’ Take
We recommend seniors take a look at the TripProtector Preferred plan for its high level of medical coverage and a superior compensation level if your trip is interrupted. If you travel with your pet, we suggest you consider this policy because it includes pet medical expense coverage of $250 if your cat or dog traveling with you gets sick or injured during your trip.
- Includes rental car theft and damage coverage of $35,000.
- Excellent trip interruption coverage of 200% of the trip cost.
- Great hurricane and weather benefits apply after only a 6-hour delay.
More: HTH Worldwide Travel Insurance Review
Expert’s Take
HTH Worldwide includes a direct pay option to avoid upfront payments for services. But there are no waivers for pre-existing conditions on the lower-level plans.
– Arsen Misakyan, co-founder of LAXcar
Drawbacks
- Baggage delay coverage requires a 12-hour delay
Closer Look
Here’s a look at the top coverage types in the TripProtector Preferred policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $500,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 21 days of first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt | 75% |
Travel delay | $2,000 per person $200 daily limit Covered after 6 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
WorldTrips
4.2
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Atlas Journey Preferred
Average price for seniors per trip
$483
Medical expenses/medical evacuation limits per person
$100,000/$1 million
Via Forbes Advisor's Website
Atlas Journey Preferred
$483
$100,000/$1 million
Editors’ Take
We like the Atlas Journey Preferred plan for its solid coverage across the board. This policy is especially worth considering if you’re interested in upgrades or are a pet owner. Available upgrades include extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more.
The Atlas Journey Premier plan earned 4 stars in our analysis—it costs about $110 more than the Preferred plan but provides higher limits for medical expenses ($150,000) and missed connection coverage ($2,000). Premier also offers an “interruption for any reason” upgrade.
- Includes travel inconvenience benefits of $750 per person.
- Superior medical evacuation benefits of $1 million per person.
- Very good missed connection coverage of $1,500 per person after 3 hours.
More: WorldTrips Travel Insurance Review
Expert’s Take
WorldTrips has established a strong reputation for thoroughly personalized plans paired with reliable 24/7 support for any emergency abroad. Customization allows you to tailor protection perfectly for each explorer’s unique adventures.
– Timon van Basten, tour guide and founder of Travel Spain 24
Drawbacks
- Medical expense coverage limits of $100,000 aren’t as high as some other policies but might be enough for you.
- Baggage delay benefits have a 12-hour waiting period.
Closer Look
Here’s a look at the top coverage types in the Atlas Journey Preferred policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $100,000 per person |
Deadline for pre-existing medical condition waiver | Within 21 days of first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | No coverage but upgrade available |
CFAR reimbursem*nt | 75% |
Travel delay | $2,000 per person $150 daily limit Covered after 5 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
John Hanco*ck Insurance Agency
4.1
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Silver
Average price for seniors per trip
$436
Medical expenses/medical evacuation limits per person
$100,000/$500,000
Via Forbes Advisor's Website
Silver
$436
$100,000/$500,000
Editors’ Take
We recommend seniors take a look at John Hanco*ck’s Silver plan for decent coverage at a low average price. It has the fourth-lowest average cost for seniors of the 12 top-scoring policies we evaluated.
The John Hanco*ck Gold plan costs $100 more than the Silver plan but is also worth checking out if you want higher limits for travel medical expenses ($250,000) and medical evacuation ($1 million).
- Excellent evacuation coverage limits.
- Decent missed connection benefits of $750 per person after a 3-hour waiting delay.
- Very good trip interruption reimbursem*nt of 150% of insured trip cost.
More: John Hanco*ck Insurance Agency Travel Insurance Review
Expert’s Take
John Hanco*ck is highly regarded for its customer service and comprehensive coverage options. Their policies are particularly strong in medical and emergency services, which adds an extra layer of security for travelers.
– Jim Campbell, independent travel agent and founder of Honeymoons.com
Drawbacks
- Medical expense limits of $100,000 are lower than many other travel insurance plans.
- “Interruption for any reason” upgrade not available.
Closer Look
Here’s a look at the top coverage types in the Silver policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $100,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days of first trip deposit |
Medical evacuation & repatriation | $500,000 per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt | 75% |
Travel delay | $750 per person $150 daily limit Covered after 6 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
USI Affinity Travel Insurance Services
4.1
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Diamond
Average price for seniors per trip
$560
Medical & evacuation limits per person
$500,000/$1 million
Via Forbes Advisor's Website
Diamond
$560
$500,000/$1 million
Editors’ Take
We like USI’s Diamond plan for its variety of top-level benefits, although its pricing is higher than the other top travel insurance policies for seniors.
- Superior coverage levels for medical expenses and evacuation.
- Very good travel delay coverage of $1,500 per person.
- Superior baggage loss coverage of $2,500 per person.
More: USI Affinity Travel Insurance Review
Expert’s Take
USI Affinity’s attentive customer service provides a more tailored solution aligned with my needs and goals for each journey.
– Stephanie Rytting, travel expert, travel author and the founder of France Adventurer
Drawbacks
- Baggage delay coverage is good at $500 per person but requires a 12-hour delay for benefits to start.
- Pricing is on the high side compared to some other top plans.
Closer Look
Here’s a look at the top coverage types in the Diamond policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $500,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 14 days of first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt | 75% |
Travel delay | $1,500 per person $250 daily limit Covered after 6 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details. | |
Nationwide
4.0
Our ratings take into account a product's benefits and coverage levels. All ratings are determined solely by our editorial team.
Best plan for seniors
Prime
Average price for seniors per trip
$446
Medical expenses/medical evacuation limits per person
$150,000/$1 million
Via Forbes Advisor's Website
Prime
$446
$150,000/$1 million
Editor’s Take
We recommend senior travelers take a look at Nationwide’s Prime plan for its solid core benefits at a decent price.
- Top-notch medical evacuation coverage.
- Great travel delay coverage of $2,000 after a 6-hour wait period.
- Excellent trip interruption benefits of 200% of insured trip cost.
More: Nationwide Travel Insurance Review
Expert’s Take
Nationwide could include clearer upfront information about policy limitations and more accessible direct contacts for immediate support. These changes could significantly bolster its already commendable service offerings.
– John Crist, founder of Prestizia Insurance
Drawbacks
- Missed connection coverage is only OK at $500.
Closer Look
Here’s a look at the top coverage types in the Prime policy.
| Coverage type | Coverage limit |
|---|---|
Emergency medical | $150,000 per person |
Deadline for pre-existing medical condition exclusion waiver | Within 21 days of first trip deposit |
Medical evacuation & repatriation | $1 million per person |
Non-medical evacuation | No coverage |
CFAR reimbursem*nt | 75% |
Travel delay | $2,000 per person $250 daily limit Covered after 6 hour delay |
Concierge services | None |
We’re showing top coverage types that can be important to seniors. Other benefits are also included in this plan. Check the policy for more details.</small | |
EXPERT TIPS
What to Look for in the Best Senior Travel Insurance
Joe Cronin
Forbes Advisor insurance advisory board member
Michelle Megna
Insurance Lead Editor
Jason Metz
Insurance Lead Editor
Penny Gusner
Insurance Senior Writer
Les Masterson
Insurance Editor
Ashlee Valentine
Insurance Editor
Repatriation Coverage
Repatriation coverage is particularly important for seniors. It provides assistance and financial support for returning home in case of death while traveling abroad. Ensure that the policy you choose includes adequate repatriation coverage. Verify the coverage limits and any exclusions related to repatriation to ensure you’re adequately protected.
Joe Cronin
Forbes Advisor insurance advisory board member
Superior Medical Insurance
Senior travelers may have more medical issues than younger travelers, so superior medical coverage is a must. I recommend at least $150,000 in travel medical insurance per person.
Michelle Megna
Insurance Lead Editor
Evacuation Coverage
A medevac ride won’t be on your original travel itinerary, but I wouldn’t skimp on emergency medical evacuation coverage. This coverage pays the cost of getting to an adequate medical facility if you’re in a remote area or somewhere with poor medical care.
Jason Metz
Insurance Lead Editor
Coverage for Pre-Existing Conditions
I would make sure your policy offers a pre-existing medical condition exclusion waiver, which removes coverage exclusions for conditions you already have. You typically need to buy travel insurance soon after your first deposit to get the waiver, such as two to three weeks.
Penny Gusner
Insurance Senior Writer
“Cancel for Any Reason” Upgrade
When life throws you a curveball, you’ll appreciate flexibility, which is why I recommend buying a policy that offers a “cancel for any reason” upgrade. This upgrade reimburses you a portion of your trip costs (often 75%) if you cancel for any reason not listed in the base policy.
Les Masterson
Insurance Editor
Annual Plan for Frequent Travelers
I recommend an annual travel insurance plan to senior travelers who are planning multiple trips in a year. All your trips will be covered under one policy and it’s more affordable than buying multiple policies during one year.
Ashlee Valentine
Insurance Editor
How Much Does Senior Travel Insurance Cost?
The average cost of senior travel insurance is $420 per trip, based on our analysis of rates for the best travel insurance policies for seniors. Your exact cost for travel insurance will generally depend on the travelers’ ages, length of trip and trip cost.
In our analysis, travel insurance for seniors often costs around 7% to 9% of the trip cost being insured. Remember that you’re insuring only the portions of the trip that are prepaid and non-refundable. You can’t make a claim on expenses that you can get refunded, like refundable airline tickets.
Average Cost of Senior Travel Insurance
| Company | Travel insurance policy name | Average travel insurance cost for seniors per trip |
|---|---|---|
Seven Corners | Trip Protection Choice | $317 |
Aegis (formerly GoReady) | GoReady Pandemic Plus | $390 |
Travel Insured | Worldwide Trip Protector | $431 |
John Hanco*ck Insurance Agency | Silver | $436 |
Tin Leg | Gold | $436 |
USI Affinity | Ruby | $440 |
Generali Global Assistance | Premium | $445 |
Nationwide | Prime | $446 |
WorldTrips | Atlas Journey Preferred | $483 |
Nationwide | Cruise Luxury | $498 |
PrimeCover | Plus | $532 |
HTH Worldwide | TripProtector Preferred | $533 |
USI Affinity | Diamond | $560 |
PrimeCover | Luxe | $579 |
Source: Forbes Advisor research of travel insurance sales data. 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. | ||
| Case Study: Unexpected Vet Visit in Portugal | ||
|---|---|---|
 | During a flight from Israel to Portugal, my dog Coco developed an eye infection. I was worried about finding a reliable vet in a foreign country, but thankfully, I located a highly-rated clinic near my Airbnb. The visit and prescription cost me 45 euros out of pocket, but filing a claim through my travel insurance app was a breeze. I gave details about the incident and uploaded the vet's note and prescription receipt. To my surprise, my claim was approved just three business days later—over the Thanksgiving weekend. I was reimbursed 100% directly to my digital wallet. The claims process ended up being the easiest part of the entire situation. -Lauren G., California | |
ASK THE EXPERT
We Answer Your Questions
Jason Metz
Insurance Lead Editor
Michelle Megna
Insurance Lead Editor
Les Masterson
Insurance Editor
How are “pre-existing conditions” defined for travel insurance?
Charles K., Columbus, Ohio
Generally, a pre-existing condition is an illness, injury or medical condition that caused you to seek treatment, experience symptoms or take medication before buying a travel insurance policy within a specified amount of time, such as 90 days.
Jason Metz
Insurance Lead Editor
How does buying a multi-trip plan save me money?
Diana N., Metairie, LA
If you plan on taking more than one trip, buying a multi-trip plan—also called an annual plan—can be cheaper than buying individual single-trip plans for multiple trips. Also, age doesn’t affect the price of annual travel insurance, so you may pay less than if you buy individual plans.
Michelle Megna
Insurance Lead Editor
Are there age limits on travel insurance?
James B., San Diego
There can be age limits and they can vary by the type of policy you buy and by the travel insurance company. Many standard travel insurance plans don’t have a maximum age, but others may not cover people over certain ages, such as 75 or 80. Travel medical plans usually cover senior travelers, but at lower limits than younger travelers. I recommend that you work with a travel insurance agent to find the best options for your age.
Les Masterson
Insurance Editor
Methodology
Using travel insurance sales data for policies offering CFAR, we scored the best travel insurance policies for seniors based on:
| Average price (up to 35% of score): We analyzed travel insurance quotes for two different trips, both with CFAR coverage and without, for travelers ages 65 and 70, to develop an average price for each plan: • Couple, age 65, for Italy trip costing $6,000 |
| Pre-existing medical condition exclusion waiver (20% of score): Points were given to policies that cover pre-existing medical conditions if purchased within a required timeline. |
| Medical expenses (10% of score): Travel medical insurance was evaluated by coverage amount. Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points. |
| Medical evacuation (10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points. |
| “Cancel for any reason” travel insurance (10% of score): Policies offering a “cancel for any reason” upgrade with 75% reimbursem*nt for canceled trips were awarded the most points. | |
| Required waiting period for travel delay benefits (5% of score): Points were awarded for a required waiting period of 6 hours or less for travel delay insurance to kick in. | |
| Trip interruption travel insurance (5% of score): Points were given if trip interruption reimbursem*nt was 150% or higher. |
| “Interruption for any reason” travel insurance: (5% of score): Plans earned points if an “interruption for any reason” upgrade was available. |
Read more: How Forbes Advisor rates travel insurance companies
Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.
Other Senior Travel Insurance Companies We Rated
| Company | Top scoring policy for seniors | Forbes Advisor rating |
|---|---|---|
TravelSafe | Classic |
3.8 stars |
AIG | Travel Guard Deluxe |
3.6 stars |
Travelex | Travel Select |
3.6 stars |
AIG | Travel Guard Preferred |
3.5 stars |
PrimeCover | Plus |
3.5 stars |
Trawick International | Safe Travels First Class |
3.5 stars |
AXA Assistance USA | Platinum |
3.4 stars |
Seven Corners | Trip Protection Basic |
2.9 stars |
Tin Leg | Luxury |
2.8 stars |
Berkshire Hathaway Travel Protection | LuxuryCare |
2.0 stars |
Aegis | GoReady Choice |
1.0 stars |
Best Senior Travel Insurance Frequently Asked Questions (FAQs)
What’s the most important insurance coverage for senior travelers?
Seniors should put priority on the medical coverage within a travel insurance policy—specifically travel medical insurance and emergency medical evacuation coverage. This is especially important if you’re traveling outside the U.S., where Medicare will work only in very limited situations.
Look for high maximum limits for these two coverage types. For example, you can find plans that offer $500,000 for medical expenses and $1 million for emergency medical evacuation.
Repatriation can be expensive, so seniors should also consider the repatriation benefits included in any policy they purchase. These benefits provide financial assistance for bringing the insured individual back to their home country if they pass away while traveling.
How can seniors save money on travel insurance?
Comparison shopping to find cheap travel insurance can save you money without sacrificing coverage. If you want to lower costs even more, though, focus on getting trip cancellation and good medical coverage, and de-prioritize coverage for baggage, missed connections and other non-medical coverage.
Remember to insure only the prepaid and non-refundable parts of your trip. For example, if your plane tickets are fully refundable, don’t pay to insure those. Travel insurance won’t reimburse you for deposits that were refundable.
Does Medicare cover me when I’m traveling outside of the U.S.?
Medicare generally does not cover your health care when you’re traveling outside of the U.S. That means if you get sick or injured while vacationing in another country, you usually won’t be covered.
Medicare Advantage (Part C) plans may offer some coverage for emergency care received outside the U.S., but this can vary by plan and is often limited. You should check your specific Medicare Advantage plan for details on international coverage while traveling abroad.
We recommend seniors buy travel insurance with generous amounts of travel medical insurance and emergency medical evacuation coverage. For example, look for plans that offer $500,000 for medical expenses and $1 million in emergency medical evacuation coverage.
Does travel insurance for seniors cover pre-existing conditions?
Travel insurance for seniors typically excludes coverage for pre-existing conditions, but you can get pre-existing conditions covered with a pre-existing medical condition exclusion waiver. You can generally only get this waiver within 14 to 21 days of making your initial trip deposit and only if you insure the full nonrefundable costs for your trip.
Some problems are not covered by travel insurance for pre-existing conditions, such as Alzheimer’s disease, anxiety, dementia, depression, or any illness or injury related to alcohol or drug abuse.
Does senior travel insurance cover my grandchildren?
A standard travel insurance policy covers up to 10 travelers and typically any traveling companion can be included on a travel insurance policy, including your grandchildren. But some travel insurance may require everyone on the policy to live in the same household.
Some policies cover children for free as long as they’re under a certain age and accompanied by an adult. For example, the Allianz One Trip Premier plans cover children age 17 and under if they’re traveling with a parent or grandparent.
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