The Best Travel Insurance for Seniors Over 70
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: December 2, 2025
Key Takeaways
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After reviewing plans from the country’s top travel insurance providers, we found the best plans for seniors over 70 are offered by IMG, Tin Leg, and Seven Corners.
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You still have access to a wide range of travel insurance policies past your seventies, but you should expect higher premiums.
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Travel insurance is especially important when traveling later in life due to the increased risk of injury and illness while away from home.
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If you’re over 70 years old, we suggest looking for plans that offer at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage.
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We recommend using our travel insurance quote tool to compare plans & prices from multiple providers at once, or speak with an agent at 1-800-240-0369.
Our Top Over-70 Travel Insurance Plans
The Best Travel Insurance Plans for Seniors Over 70 in Detail
Best Overall Travel Insurance For Seniors Over 70
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
A top-selling plan among senior travelers, and our pick for the Best Overall Senior Travel Insurance policy.
Provides up to $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, exceeding our minimum medical coverage recommendations for travelers over 70.
Provides pre-existing condition coverage if you purchase coverage within 21 days of your initial trip payment, which is generous compared to the typical 15-day time-sensitive period offered by most providers.
IMG’s iTravelInsured Choice is our top pick for travelers over 70 because of its popularity, medical coverage limits, and its generous 21-day pre-existing condition eligibility window. The policy includes up to $100,000 in Emergency Medical protection to cover unforeseen medical expenses, as well as up to $500,000 in Medical Evacuation coverage, which is twice as high as what’s recommended for senior travelers.
In addition to dependable medical coverage, both of which exceed our coverage recommendations for senior travelers.
Most Affordable Travel Insurance For Seniors Over 70
Medical / Med Evac Coverage
$100,000 / $250,000Cancellation / Interruption Limits
100% / 150% of trip cost
The most affordable comprehensive plan for travelers over 70, with an average premium of $175.
Provides up to $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage, meeting our minimum coverage recommendations for senior travelers.
Covers up to $30,000 in prepaid, non-refundable travel expenses in the event of an unforeseen cancellation, making it a great option if your trip involves significant upfront costs.
Tin Leg’s Luxury plan is currently the most affordable for travelers over 70. At an average premium of $175, it is more than $350 cheaper than the average plan for travelers in this age group. Despite its name, Tin Leg Luxury provides cost-effective coverage that protects against some of the most common travel disruptions.
Tin Leg Luxury includes $100,000 in Emergency Medical and $250,000 in Medical Evacuation coverage, benefits that meet or exceed our recommended reimbursement rates. The plan also reimburses 100% of prepaid, non-refundable trip costs for covered cancellations and offers 150% Trip Interruption coverage for unexpected changes.
Best Travel Medical Travel Insurance For Seniors Over 70
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Providers $500,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage, the most robust medical coverage of any comprehensive plan found on Squaremouth
Covers up to $100,000 in travel expenses per person, making it a smart choice if you’re taking a luxury trip or bucket list vacation.
Offers the option to add Cancel For Any Reason and Interruption For Any Reason coverage, which can add additional flexibility and peace of mind heading into a trip.
Seven Corners’ Trip Protection Choice policy is highly recommended if you’re looking for comprehensive trip protection with the highest available medical coverage. The policy comes standard with up to $500,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation protection, which is more than enough to cover just about any medical emergency you may face overseas or abroad. Trip Protection Choice also offers Pre-Existing Condition coverage if you purchase your policy within 20 days of your initial trip deposit.
This plan also features great cancellation benefits, with Trip Cancellation covering up to $100,000 in travel expenses per person and the option to add CFAR during the checkout process.
Compare Costs for the Best Travel Insurance Plans for Seniors Over 70
Your age is one of the biggest factors travel insurance providers will consider when determining policy premiums. Generally, coverage becomes more expensive as you age due to rising health risks.
Other factors, such as your travel expenses, trip length, destination, and the number of travelers in your group, can also impact pricing.
To help you better understand what to expect when shopping for travel insurance, we created sample quotes for the top travel insurance plans for seniors over 70. The table below shows pricing for a weeklong trip to Greece, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$347.00 |
$571.00 |
$704.00 |
Get Quotes | |
388.00 |
$558.00 |
$716.00 |
Get Quotes | |
$688.00 |
$1,078.00 |
$1,248.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary depending on your age, trip length, state of residence, and more. These prices are for example purposes only. For exact pricing, get a quote using your unique trip details.
The table above shows that IMG and Tin Leg both offer comparable pricing, and their policies are a good fit if you’re seeking affordable coverage with well-rounded benefits. According to the sample quotes, IMG provides better value for solo travelers and families, while Tin Leg offers more cost-effective protection for couples.
However, choosing the lowest-priced plan may not be the best strategy if you’re looking for the best available coverage. For example, Trip Protection Choice by Seven Corners is almost double the cost of other plans featured on this page, but also offers some of the most robust medical coverage available on Squaremouth.
Compare Popular Benefits for the Top Over-70 Travel Insurance Plans
The best travel insurance plan for your upcoming trip is the one that provides you with peace of mind for the entirety of your trip. This is achieved by reviewing coverage limits for key benefits across multiple policies.
When traveling past your seventies, ensure your policy offers strong Emergency Medical and Medical Evacuation coverage. These benefits will financially protect you if you get ill or injured while traveling.
In the chart below, we highlight each plan’s medical coverage, as well as other important benefits you should consider ahead of your next trip.
| IMG iTravelInsured Choice |
Tin Leg Luxury |
Seven Corners Trip Protection Choice |
|
|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $100,000 | Up to $500,000 |
| Medical Evacuation | Up to $500,000 | Up to $250,000 | Up to $1,000,000 |
| Pre-Existing Condition | Covered if purchased within 21 days of trip deposit | Covered if purchased within 15 days of trip deposit | Covered if purchased within 20 days of trip deposit |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $2,000 per person after an 6-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | (Cruise and tour only) $500 per person after a 6-hour delay | $100 per person after a 3-hour delay | (Cruise and tour only) $1,500 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $500 per person | $2,500 per person |
| Baggage Delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay | $500 per person after a 6-hour delay |
Seven Corners’ Trip Protection Choice policy is the standout policy when it comes to travel medical insurance. It offers up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which is among the highest reimbursement rates for these benefits of any comprehensive plan on Squaremouth. Compared to the other policies highlighted on this page, it also offers higher coverage limits for other key benefits, including Baggage Loss, Baggage Delay, and Travel Delay.
While policies with high coverage limits can offer the most peace of mind, they can also be expensive compared to other options. In most cases, plans like IMG iTravelInsured Choice and Tin Leg Luxury can offer adequate coverage for most international and domestic trips.
Tin Leg Luxury offers up to $2,000 in Travel Delay coverage, which can be valuable if your trip involves a strict schedule or multiple flights. It also covers up to $30,000 in travel expenses in the event of a trip cancellation, which is a plus if you’re taking a luxury or bucket list trip.
Compare Customer Satisfaction Ratings
When you’re choosing a travel insurance plan, price and coverage aren’t the only factors that matter. The way a company supports its customers, both before and after a claim, can make a big difference in your experience.
To help you make a confident choice, we’ve compared customer satisfaction ratings for the top travel insurance companies featured on this page. These scores reflect real travelers’ experiences with claims, communication, and overall support, giving you a clear picture of how each insurer performs when you need them most.
| Customer Satisfaction | IMG | Tin Leg | Seven Corners |
|---|---|---|---|
| Overall Rating | 4.2 / 5 | 4.5 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.3 / 5 | 4.6 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 3.7 / 5 | 4.1 / 5 | 3.9 / 5 |
| Customer Service After a Trip | 3.4 / 5 | 4.1/ 5 | 3.5 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Among the top travel insurance providers for seniors, Tin Leg holds the highest ratings with an overall score of 4.5 out of 5. Tin Leg’s strong customer service both before and after a trip has landed them as one of the top-rated travel insurance providers on the Squaremouth marketplace.
Both Seven Corners and IMG have respectable overall scores and have a good track record when it comes to delivering top-notch pre-trip assistance. However, these providers possess slightly lower ratings for their customer service after a trip is complete. These scores generally indicate customers’ experience during the claims process, with low scores highlighting room for improvement.
For a deeper dive into what customers are saying, you can visit our reviews pages, where we break down ratings and share detailed feedback for every insurer on our marketplace.
How Reliable Are The Top Over-70 Travel Insurance Providers?
Our expert product team carefully vets every every travel insurance company that we list on Squaremouth to ensure reliability and is backed by our Zero Complaint Guarantee.
When comparing travel insurance plans, the two most common measures of reliability are A.M. Best financial strength ratings, which assess the insurer’s ability to pay claims, and BBB ratings, which reflect how providers handle customer complaints.
In the chart below, we’ve outlined the Better Business Bureau (BBB) ratings and AM Best financial strength scores for the top providers offering plans to seniors.
| Reliability | IMG iTravelInsured Choice |
Tin Leg/a> Luxury |
Seven Corners Trip Protection Choice |
|---|---|---|---|
| A.M. Best Rating | A- (Excellent) | A++ (Superior) | A (Excellent) |
| BBB Rating | A+ | A++ | A+ |
As you can tell from the table, all three providers are considered financially strong, with A.M. Best scores ranging from A- to A++. High grades in this category indicate that an insurer is dependable when it comes to paying out claims.
BBB ratings are also favorable, with IMG and Seven Corners both receiving an A+, and Tin Leg earning an impressive A++. These ratings reflect each company’s responsiveness to customer concerns and its overall business practices.
Taken together, we can see that seniors shopping for travel insurance can feel confident with any of the providers listed on this page.
Which Over-70 Travel Insurance Plan is Right For Me?
Any of the plans listed above can help you travel with confidence, knowing you’re protected against the unexpected. The best policy for you will depend on your travel plans, health needs, and desired coverage.
For even more options, you can enter your trip details on Squaremouth to compare quotes from multiple insurers and find the policy that fits your next adventure perfectly.
- For affordable travel protection from a highly-rated provider, consider Tin Leg Luxury. It not only meets our medical coverage recommendations for senior travelers, but also matches higher-priced policies when it comes to its Travel Delay protection. This cost-effective plan is also backed by Tin Leg, who have a long track record of providing its customers with superior customer service before, during, and after their trips. While this plan does offer pre-existing condition coverage, it’s important to note it has a short, 15-day eligibility window.
- For the most robust medical protection, consider Trip Protection Choice by Seven Corners. It offers some of the highest Emergency Medical and Medical Evacuation coverage limits available on Squaremouth, along with a generous 20-day eligibility window for pre-existing condition coverage. Strong medical coverage is especially important when traveling internationally, where U.S. health insurance plans, like Medicare, may not be accepted. This policy is among the more expensive options available and may provide more coverage than your trip requires.
- If pre-existing condition coverage is a priority, IMG iTravelInsured Choice stands out with one of the longest eligibility windows on the market. Through this plan, you can qualify for coverage up to 21 days after your trip deposit date. This flexibility can be important if you want additional time to secure your coverage. While it doesn’t boast the highest medical limits or the lowest premiums, IMG iTravelInsured Choice provides solid medical and cancellation coverage at an affordable price point, especially if you are traveling with family.
Special Considerations When Purchasing Travel Insurance Over 70
When taking a trip in your later years, it’s important to consider the unique risks and challenges that you may face along the way. As you compare policies for your upcoming adventure, be sure to take into account the following factors:
Pre-Existing Medical Conditions
When exploring the world later in life, it’s possible you may be traveling with a chronic or existing health issue. Unfortunately, many travel insurance policies exclude coverage for pre-existing medical conditions, leaving you financially responsible if a flare-up occurs during your trip.
However, some travel insurance plans offer a Pre-Existing Condition waiver, which removes this exclusion from the policy and extends medical coverage to your pre-existing health issues. To qualify for a waiver, you must meet your plan’s eligibility requirements. This may include the following:
- Purchase Plan During Time-Sensitive Window: Most plans require you to buy your travel insurance within 10 to 21 days of your first trip payment
- Insure 100% of Your Travel Expenses: You must purchase a comprehensive travel insurance plan and insure all of your prepaid, non-refundable trip costs
- Be Medically Stable During Lookback Period: There can be no changes to your condition during your lookback period, which is typically 60-180 days before your departure date
- Be Fit to Travel: You cannot be experiencing symptoms, receiving treatment, or under medical advice that would reasonably prevent you from taking your trip at the time you purchase your policy
Plan Types
When searching for travel insurance, be aware that there are multiple types of plans to choose from. The best plan for you is one that meets your travel needs, fits your budget, and provides peace of mind for the duration of your trip.
- Comprehensive: This is the most popular and expensive type of coverage available to travelers over 70, as it provides financial protection for your trip costs, plus coverage for medical expenses, emergency evacuations, delays, and other common disruptions.
- Travel Medical: These policies place a focus on medical coverage abroad, and are not designed to protect your travel investments in the event of a cancellation. This results in cheaper premiums, but less robust protection.
- Annual: These plans provide coverage for multiple trips over a 12-month period, usually with a limit on the duration of each trip (typically 30 to 90 days). This plan type is ideal if you travel often and are looking for continuous protection without the need to buy a new policy for every trip.
The vast majority of travelers over 70 opt for comprehensive plans with high medical coverage. This type of coverage is highly recommended due to the unpredictable nature of travel and the high cost of receiving medical treatment while traveling away from home.
Price Factors
There are multiple factors that can impact your travel insurance premium, including your age, trip length, travel expenses, and destination. Another determining factor is whether or not you choose to apply add-ons or upgrades to your plan.
Some travel insurance companies allow you to enhance your policy through optional add-ons and coverage upgrades during the checkout process. Some of the more popular ways to enhance coverage among senior travelers include:
- Cancel for Any Reason: Provides partial reimbursement for your insured travel expenses if you choose to cancel your trip for a reason not already covered by standard trip cancellation coverage.
- Interruption for Any Reason: Provides partial reimbursement if you choose to end your trip early for an uncovered reason.
- Rental Car Damage Protection: Covers the cost of damage to, or theft of, a rental vehicle during your covered trip.
- Coverage Upgrades: Allows you to increase coverage limits for select benefits, like Emergency Medical and Medical Evacuation, for a small fee.
FAQs: Travel Insurance for Seniors Over 70
Can I Get Travel Insurance if I’m Over 70?
Yes, getting travel insurance in your 70s and beyond is typically a quick and straightforward process. In fact, more than 25% of all travelers who purchase travel insurance are at least 70 years old.
While some providers offer protection to travelers regardless of their age, there are companies that impose age restrictions that may limit your options. Depending on your age, you might see fewer plans available compared to younger travelers.
Age also significantly impacts the cost of travel insurance. Generally, the older you are, the higher your premium will be. This is largely due to the increased health and safety risks associated with traveling later in life.
Which Travel Plans Cover Pre-Existing Medical Conditions for Seniors Over 70?
IMG iTravelInsured Choice, Tin Leg Luxury, and Seven Corners Trip Protection Choice all provide coverage for pre-existing conditions. Plans that offer this protection can provide reimbursement if a flare-up of an existing health issue disrupts your trip and results in unexpected medical expenses.
To qualify for pre-existing condition coverage, you must meet certain eligibility requirements. You can find a full list of these requirements and plans that offer this coverage on our Pre-Existing Condition benefit page.
What Does Over-70s Travel Insurance Cover?
For travelers over 70, travel insurance is particularly important, as it can help offset the high costs of medical care abroad and provide peace of mind throughout your trip.
Below are the benefits you can expect in a comprehensive travel insurance plan, regardless of age.
- Trip Cancellations: Coverage if you are forced to cancel your trip due to a covered reason, such as an unexpected illness, injury, inclement weather, or family emergency.
- Medical Emergencies: Coverage for unexpected medical expenses that arise during your trip, including hospital bills, doctor visits, and prescription medications.
- Medical Evacuations & Repatriation: Reimbursement for emergency transportation services like air ambulance rides to a nearby medical facility.
- Travel Delays: Coverage for meals, accommodation, and other reasonable expenses if your trip is significantly delayed by a delay of a common carrier
- Missed Connections: Covers the cost to book new travel arrangements if a previous delay forces you to miss a connecting flight or cruise departure.
- Baggage Loss: Reimbursement for personal items that get lost, stolen, or damaged during a covered
What Is Not Covered by Over-70s Travel Insurance?
While travel insurance offers critical trip protection, it does have its limitations. Most standard policies for travelers will not cover the following:
- Known events: If a disruption, such as a hurricane, airline strike, or pandemic outbreak, is publicly known before you purchase your policy, related claims may not be eligible for coverage.
- Pre-existing medical conditions: Unless you purchase a plan with a pre-existing condition waiver, most policies will not cover medical treatment related to existing health issues. This is especially important for seniors managing chronic conditions.
- Government travel advisories or bans: If the U.S. government issues a travel advisory or ban for your destination before or during your trip, your policy may not cover cancellations or other disruptions related to that advisory.
Reading the fine print found within your policy’s Certificate of Insurance and understanding policy exclusions is especially important when traveling later in life. Comparing providers can help you find a policy that provides coverage for your entire itinerary.
How Much Coverage Do Travelers Over 70 Need?
Traveling in your seventies and beyond can be full of twists and turns. To mitigate the financial impact that disruptions have on you and your family, it’s always recommended to purchase a comprehensive travel insurance plan before you leave for your adventure.
When comparing different policies, it’s important to make sure they include the following coverage:
- Trip Cancellation: Choose a plan that covers all of your prepaid, non-refundable travel expenses.
- Emergency Medical: Look for a policy that covers at least $100,000 in unforeseen medical expenses.
- Medical Evacuation: Opt for plans that include at least $250,000 in coverage for emergency evacuation services.
- Pre-Existing Condition: If you have an existing health issue, you should purchase a policy that offers a pre-existing condition waiver within its respective time-sensitive period.
- Sports & Activities: If you plan on participating in hiking, scuba diving, or other high-risk sports, you must find a plan that includes coverage for those activities.
- Travel Delay: Consider plans that provide coverage after delays of 6 hours or less.
What is the Maximum Age for Buying Travel Insurance?
There is currently no universal age restriction for travel insurance. However, providers can impose their own age limits and restrictions. For example, some travel insurance companies may decide not to cover any travelers over the age of 75, while others stop offering coverage once you hit 80.
Age restrictions can vary significantly between providers. Even policies offered by the same insurer can have different age limits. Age restrictions for a specific policy can be found in the Certificate of Insurance.
Is Travel Insurance Necessary if I’m Over 70 and Have Medicare?
Yes, travel insurance is still strongly recommended if you are over 70 years old and traveling overseas, even if you have Medicare.
Since Medicare typically does not cover medical expenses abroad, you will be financially responsible for any medical costs incurred overseas. Traveling without the right coverage can result in thousands, or even hundreds of thousands, of dollars in out-of-pocket costs.
Even if you are planning a domestic trip, a travel insurance plan with primary Emergency Medical coverage can address claims before your Medicare policy. This can result in faster reimbursement and avoid changes to your Medicare premiums.
With a dedicated travel insurance plan, you will be financially covered for unexpected travel expenses up to your policy’s coverage limit.
Can Travelers Over 70 Buy Cruise Insurance?
Yes, of course! Although a few plans may impose age restrictions, cruise insurance is generally widely available to travelers over 70. In fact, travelers in this age group account for more than 35% of all cruise insurance sales on the Squaremouth platform.
The best way to find these plans is to enter your cruise details into our cruise insurance comparison tool. From there, you will be shown a list of reliable policies that can provide trusted trip protection both on land and at sea.
I’m Over 70 and Traveling With My Family. Can We All Be On the Same Policy?
Yes, adding family members to your plan is simple when done during the initial purchase. Most insurance providers allow you to include up to 10 travelers on your policy, as long as you have the same travel dates and state of residence.
To add travelers to your plan, you will need to provide basic information such as their age, name, date of birth, and state of residence. Your premium will likely increase with each additional traveler you add.