IMG
iTravelInsured Choice
After evaluating all 20+ providers and 100+ plans on the Squaremouth marketplace, IMG stands out as the best travel insurance company for seniors in 2025. Here is a look at all of the best senior travel insurance plans for this year, by category:
Unlike other websites, our list is built around real customer purchase habits. These plans are among the top-selling senior policies on Squaremouth’s marketplace. Our team of editors reviewed each plan versus competing plans on our marketplace to assign an award based on policy highlights.
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties.
IMG’s iTravelInsured Choice is the best travel insurance for seniors because of its extensive medical benefits, flexibility, and accessibility. At around $400 per trip, it provides competitive cruise insurance pricing and significant medical and cancellation flexibility.
This plan provides $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, fulfilling the recommended amount for comprehensive protection. With over 30 years of experience, IMG is a trusted provider for seniors, especially those with pre-existing conditions looking for dependable coverage. Unlike many policies imposing age restrictions, iTravelInsured Choice has no age limits, making it accessible for senior travelers.
We chose Tin Leg—Luxury as the best travel insurance for its affordability and comprehensive coverage. This option provides medical benefits and trip protection at a lower price than many top-tier plans, making it ideal for budget-conscious travelers.
Tin Leg – Luxury includes $100,000 in Emergency Medical and $250,000 in Medical Evacuation coverage, ensuring protection against serious illness or injury abroad—benefits that exceed industry recommendations. The plan reimburses 100% of prepaid, non-refundable trip costs for covered cancellations and offers 150% Trip Interruption coverage for unexpected changes. Tin Leg – Luxury balances affordability and high-value coverage at a competitive price, making it an outstanding choice for those needing solid medical protection and trip cancellation benefits.
We chose Seven Corners – Trip Protection Choice as the best senior travel insurance for cruises due to its excellent medical and evacuation coverage at sea. It offers primary medical benefits for faster claims without other insurance. With $500,000 in Emergency Medical coverage and $1,000,000 for Medical Evacuation, the most of any comprehensive plan, making it an excellent option for seniors, especially those traveling to remote areas. It also covers pre-existing conditions if purchased within 20 days of the trip deposit.
IMG’s iTravelInsured Choice policy is our pick for the best cruise travel insurance for seniors. This popular plan provides $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation, surpassing industry standards and meeting our recommendations for cruisers. For seniors who purchase within 21 days of their first trip payment, this plan also covers pre-existing conditions.
Unlike many plans with age restrictions, iTravelInsured Choice has no age limits, making it highly accessible for senior cruisers. At around $400 per trip, this plan offers broad protection, cancellation flexibility, and affordability—making it a top choice for seniors seeking peace of mind at sea.
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.
Yes, travel insurance is strongly recommended for senior travelers, especially if they are planning an international trip. This is due to the fact that most domestic healthcare policies, such as Medicare, do not provide medical coverage overseas. In addition, overseas travel typically comes with higher trip costs and greater risks of delays, baggage loss, and other disruptions.
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.
As with any age group, seniors should purchase travel insurance as early as possible. We typically recommend buying your trip protection within 10-14 days of making your initial trip payment, whether that be your airfare, hotel accommodations, or cruise booking.
This is especially important 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.
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.
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.
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.
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.
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:
Have questions about travel insurance coverage? Call us!
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