Best Travel Insurance for Seniors in 2025

Our passion for travel doesn’t diminish with age. In fact, seniors currently represent the largest travel demographic and spend more on trips than any other age group, with many using their retirement to explore the world and create new memories.

While traveling later in life does come with higher risks, both health-related and financially, there are ways for seniors to protect themselves if their trips take a turn for the worse. Senior travel insurance covers a wide-range of travel disruptions, including medical emergencies, trip cancellations, and lost belongings.

Squaremouth analyzed data from thousands of senior travelers to uncover the most popular travel insurance providers and plans in 2025.

What is Senior Travel Insurance?

Senior travel insurance refers to policies that specifically appeal to the needs and requirements of older travelers, typically those aged 65 years old and above. They offer coverage and benefits tailored to address the unique risks faced by seniors while traveling, allowing them to explore the world with peace of mind.

Senior travel insurance policies often provide extended coverage for pre-existing medical conditions, which is important for older travelers who may have underlying medical issues. The best travel insurance plans for seniors will also include high coverage limits for medical expenses and emergency medical evacuations for the duration of their trip.

Best Senior Travel Insurance in 2025

When it comes to trip protection, seniors have plenty of travel insurance options to choose from. Squaremouth reveals the most popular providers among older travelers.

Best Overall Travel Insurance for Seniors

Seven Corners
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Seven Corners is popular among seniors travelers because they offer a wide-range of policies that address their most pressing concerns, such as overseas medical expenses and unexpected trip cancellations. Some options, such as their popular Trip Protection Choice plan, feature protection for pre-existing medical conditions and optional add-ons such as CFAR and Rental Car Damage.

Tin Leg
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Tin Leg is a top-selling travel insurance provider that is trusted by vacationers of all ages and demographics. Their policies are backed by industry-leading data and insights, and are built to address the changing needs of today’s travelers. Their Gold policy is currently the most popular plan on Squaremouth, and comes with generous coverage limits for key benefits like Emergency Medical and Medical Evacuation & Repatriation.

Generali Global Assistance
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Generali Global Assistance is one of the nation’s largest and most recognizable travel insurance providers. They currently offer three core comprehensive policies, named Standard, Preferred, and Premium, that offer varying degrees of coverage for common trip disruptions. Many travelers gravitate towards Generali Global Assistance due to their industry reputation and competitively priced policies. All plans also come with generous AD&D coverage at no additional cost.

Most Affordable Travel Insurance for Seniors

Berkshire Hathaway Travel Protection
  • Average premium among senior travelers: $215.87
  • Voted ‘Best Overall Travel Insurance Company’ by NerdWallet
  • Globally recognized insurance brand
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Berkshire Hathaway Travel Insurance is part of one of the world’s largest and most recognizable insurance brands. Their two product lines, ExactCare and LuxuryCare, offer seniors affordable trip protection, whether they’re in search of travel medical insurance or comprehensive coverage. In addition, all of their policies come with AD&D protection to provide further protection against travel accidents.

GeoBlue
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GeoBlue specializes in affordable travel medical insurance for seniors traveling domestically or abroad. The provider is known for low premiums and high customer satisfaction, which is a great combo for travelers looking for reliable medical coverage that fits their budgets and meets their medical coverage needs. GeoBlue also boasts one of the best Free Look Periods on Squaremouth, allowing travelers to cancel their policy for a full refund up until the day before their departure date.

Detour Insurance
  • Average premium among senior travelers: $226.59
  • Extensive coverage for adventure sports like hiking, skiing, and scuba diving
  • Generous Baggage Delay and Baggage Loss coverage
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At its core, Detour Insurance is an innovative travel insurance company that caters to the coverage needs and challenges of adventure tourism. With that said, their @the edge and @the edge plus appeal come with coverage limits and price points that appeal to all types of travelers. As an example, both plans come standard with up to $1,000,000 in Medical Evacuation coverage, $2,000 in reimbursement for significant travel delays, and $3,000 Baggage Loss protection.

Best Medical Travel Insurance for Seniors

Seven Corners
  • Named ‘Best Value for Robust Coverage’ by Forbes
  • Emergency Medical coverage starts at $50,000
  • Up to $20,000 in Non-Medical Evacuation coverage
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When it comes to travel medical insurance coverage, Seven Corners is the most popular provider among seniors. All of their plans meet Squaremouth’s criteria for overseas health insurance. The majority of plans also include financial protection for Non-Medical evacuations and extend medical coverage for pre-existing conditions to eligible travelers.

Berkshire Hathaway Travel Protection
  • Voted ‘Best Value Pre-Existing Condition Coverage’ by Squaremouth
  • All policies currently hold an AM Best Rating of A++
  • No plans require a medical deductible to be met
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Berkshire Hathaway Travel Protection is not only the most affordable travel insurance company for seniors this year, but they are also among the most popular when it comes to senior travel medical insurance. They offer a variety of affordable options, such as their ExactCare Value and ExactCare Lite policies, that provide reasonable medical coverage without breaking the bank. The lack of a medical deductible and generous 15 day Free Look Period are also appreciated by customers.

Trawick International
  • Medical Evacuation coverage starting at $200,000 per person
  • Up to $250,000 in Primary Emergency Medical coverage
  • Extensive worldwide healthcare network
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Trawick International plans are consistently among the most popular travel insurance policies for globetrotters of all ages. They offer both comprehensive and travel medical plans that address the most common concerns of senior travelers. Trawick International’s ‘Safe Travels Voyager’ plan is the most robust of any of their policy options, offering up to $1,000,000 in Medical Evacuation coverage and $250,000 in Emergency Medical protection.

Best Cruise Insurance for Seniors

Seven Corners
  • Offers a cruise-specific travel insurance plan
  • Up to $1,500 in Missed Connection coverage if cruise departure is missed
  • Coverage available for excursions such as snorkeling and scuba diving
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Seven Corners understands that cruisers encounter unique disruptions and that standard travel insurance is sometimes not enough for high sea adventures. They are one of the few providers on Squaremouth to create a policy specifically for travelers insuring a cruise, and their Cruise policy comes complete with key benefits like Trip Cancellation, Trip Interruption, ample evacuation coverage, and a wide-range of optional policy upgrades available.

Tin Leg
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When it comes to adventures, whether they be on water or land, Tin Leg has you covered. Their plans cover more than 400 unique adventure sports and activities, and provide adequate coverage for any cruise getaway. Many cruise travelers opt for Tin Leg Gold, which provides generous coverage for unexpected medical expenses, evacuations, and cancellations. Each Tin Leg policy can also be extended for up to 7 days if you’re unfit to travel home at the end of your cruise.

IMG
  • Wide-range of policy options to cater to different budgets and itineraries
  • Up to $2,000,000 in Medical Evacuation coverage
  • Popular among seniors traveling with pre-existing medical conditions
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IMG is a reputable travel insurance provider that has been trusted by travelers around the world for more than 30 years. They offer a wide-range of comprehensive plans that prioritize the needs of international travelers, including cruisers. IMG’s Patriot International Platinum policy offers among the strongest protection for medical expenses and evacuations, as well as $25,000 in coverage for non-medical evacuations, to help cruisers that need emergency transportation while away from home.

Best Travel Insurance for Seniors with Pre Existing Conditions

IMG
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Seniors traveling with pre-existing medical conditions have multiple coverage options to choose from with IMG. In addition to having some of the most choices among providers on Squaremouth, IMG also offers some of the highest Pre-Existing Condition coverage limits. Travelers also benefit from the provider’s best--in-class customer support if they need emergency assistance before or during their trips.

Tin Leg
  • Variety of plans allow for pre-existing condition waivers
  • All policies hold an “Excellent” rating from AM Best
  • Insurer behind top-selling policy on Squaremouth (Gold)
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Tin Leg’s policies are consistently among the most popular travel insurance plans among seniors, especially those that require pre-existing medical condition protection. Select plans offer up to $500,000 in Emergency Medical coverage, which is ample for most international and domestic travelers. Another popular feature among customers is that no Tin Leg plans require a medical deductible to be met in order to receive coverage.

Trawick International
  • Pre-existing Condition coverage available with most plans
  • Named a ‘Best Travel Insurance Company” by Forbes
  • Multiple plans offering up to $1,000,000 in Med Evac coverage
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Trawick International has been protecting the global travel community for more than 25 years. Their policies are designed to serve a diverse range of customers, including tourists, business travelers, seniors, and large groups. While known for their comprehensive coverage, Trawick International’s travel medical plans are consistently among the most popular for globetrotters seeking health insurance with pre-existing condition coverage.

How Much Does Travel Insurance Cost for Seniors?

On average, comprehensive travel insurance premiums cost roughly 5-10% of a traveler’s total trip cost. With that in mind, seniors can expect to pay $400-$450 for comprehensive coverage for their trips abroad.

The cost of travel insurance is determined by a variety of factors, including a traveler’s age, destination, trip length, and coverage amounts. Add-ons and policy upgrades can also increase the cost of a travel insurance plan.

Frequent travelers may benefit from an annual travel insurance plan, also known as multi-trip insurance. These plans provide many of the popular benefits found in standard travel insurance, but provide coverage for a 12-month period regardless of the amount of trips taken.

Annual policies are often cost effective for travelers that plan to take at least three international trips in a year.

Is Senior Travel Insurance Worth It?

Yes, travel insurance is strongly recommended for senior travelers taking a trip, especially if they are a U.S. resident planning international travel. This is due to the fact that most domestic healthcare policies, such as Medicare, do not provide medical coverage overseas.

The cost of travel insurance is often small compared to the high costs of receiving medical care abroad or having to cancel a trip before it begins.

All major travel insurance companies offer 24/7 emergency assistance services. This can provide senior travelers with peace of mind and critical support if their trip takes an unexpected turn for the worse.

When Should Seniors Purchase Travel Insurance?

As with any age group, seniors should purchase travel insurance as early as possible, especially if they have cancellation concerns going into their trip. This is especially true for those that wish to include time-sensitive benefits as part of their coverage, such as Pre-Existing Condition and Cancel For Any Reason.

Purchasing travel insurance early will also maximize coverage for travelers in the event a medical emergency, natural disaster, or other covered event happens leading up to a trip.

How Much Travel Medical Insurance is Recommended for Seniors?

Medical coverage can range drastically from one plan to the next. Given the importance of medical coverage for older travelers, it’s crucial to pay attention to coverage limits when comparing policies.

For senior travelers, we recommend having at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. This amount of coverage generally offers enough medical protection for most trips. Keep in mind that exclusions, deductibles, and eligibility requirements may apply.

Does Medicare Cover International Trips?

No, Medicare and other types of domestic healthcare plans do not typically cover bills relating to overseas medical treatment, which is why many seniors opt for travel insurance to cover potential overseas medical bills.

With that said, Medicare may cover medical emergencies that happen on U.S. soil or in U.S. territories such as Puerto Rico, Guam, and the U.S. Virgin Islands. Limited coverage may also be available for seniors traveling to Canada. This information may be found in the fine print of your healthcare documentation.

Is There an Age Limit on Travel Insurance?

For the most part, travel insurance providers allow travelers of all ages to be covered by a policy. Providers that do enforce age restrictions will note them in their policy details if any apply. For example, a provider may state in their Certificate of Insurance that they don’t cover seniors that are over 100 years old. With that said, most seniors should be able to find a policy regardless of their age.

What Benefits Does the Best Senior Travel Insurance Include?

Almost 40% of all travelers insured through Squaremouth are seniors. The stat highlights the value of trip protection for those traveling later in life. Seniors looking for the best coverage for their upcoming trip should consider a policy with the following benefits.

  • Trip Cancellation: If a traveler gets injured or falls ill before a trip starts, Trip Cancellation can reimburse their trip costs if they are forced to cancel their vacation and focus on recovery.
  • Trip Interruption: Emergencies can happen when you are on vacation. Trip Interruption benefits can help you cover the costs of returning home early for a covered reason. Most plans offer coverage between 100% and 150% of the insured trip cost.
  • Emergency Medical Coverage: With medical coverage through a travel insurance policy, travelers may be reimbursed for costs related to treatment overseas, such as hospital bills, x-rays, ambulance services, and lab costs.
  • Medical Evacuation: In the event of a medical emergency, a doctor may order a traveler to be transported to another medical facility or return home to receive adequate treatment. Medical Evacuation insurance can cover these transportation costs, which can easily rise to tens of thousands of dollars.
  • Travel Delay: If a traveler’s flight is delayed, the Travel Delay benefit will cover food and accommodation expenses throughout the duration of the delay. To be eligible, the delay must meet the minimum amount of time outlined in the policy details, typically 3-12 hours.
  • Missed Connection: Airline and railway delays can happen at any time, causing travelers to miss their connecting flights. Missed Connection coverage can help reimburse travelers the costs to catch up to their trip and make it to their destination.
  • Baggage Delay: Luggage can get lost anytime it’s checked, whether it is on an airplane or aboard a cruise ship. Baggage Delay benefits may help travelers pay for emergency replacement items, including clothes and personal items, if their bags are lost for an extended period of time.
  • Cancel for Any Reason: CFAR benefits helps travelers recover a portion of their non-refundable costs if they decide not to go for most uncovered reasons. This can include anything from canceling due to a grandson’s birthday party to bad weather reports.
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