Best Travel Insurance for Seniors Over 70 in 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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Travelers over 70 have fewer travel insurance policies available to them than younger travelers, due to age restrictions.
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Our analysis found that the best travel insurance for seniors over 70 comes from: IMG, Tin Leg, Travel Insured & International, and Seven Corners.
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All of these policies are eligible for people over the age of 70 and offer the most important benefits for older travelers, including primary medical coverage, cancellations for medical reasons, pre-existing condition coverage, & optional CFAR upgrades.
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The price of travel insurance increases with age, meaning people over 70 tend to pay some of the highest premiums of any age group.
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Comparing policies from several providers is the best way to save on price while still securing coverage with adequate limits.
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If you need personalized assistance finding a policy that suits your budget, call us at 1-800-240-0369.
Can I Get Travel Insurance if I’m Over 70?
Yes, people over 70 can still buy travel insurance. In fact, over 25% of all people who buy travel insurance through Squaremouth are over 70. The only caveats to know are that prices typically increase as you age, and there are fewer plans to choose from.
That said, Squaremouth offers a great solution to older travelers by bringing together plans from 20 top travel insurance companies. This makes it easy to find eligible travel insurance policies at any age.
Our Top Over-70 Travel Insurance Plans
The Best Travel Insurance for Over 70 in Detail
Great for Seniors On A Budget
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The top-selling plan among travelers 70 and older
Provides up to $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage
Provides pre-existing condition coverage if you purchase coverage within 21 days of your initial trip payment
IMG’s iTravelInsured Choice is the number one selling policy on Squaremouth among travelers over the age of 70. This policy is also the most affordable option on our list, and offers comprehensive medical, cancellation, interruption, delay, and baggage protection, at limits that are adequate for most types of trips.
You’ll get Medical coverage limits of up to $100,000, and Medical Evacuation limits of up to $500,000. The primary medical coverage means you won’t have to file with Medicare or private health insurance before making a travel insurance claim, meaning faster overall reimbursement time.
This policy offers pre-existing condition coverage and optional Cancel For Any Reason Coverage when purchased within 21 days of your initial trip deposit.
Other highlights include 100% trip cancellation protection, 150% trip interruption protection, and 24/7 emergency assistance.
Great Value For The Money
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The second most popular plan among travelers 70 and older.
Provides up to $500,000 in Emergency Medical coverage & $500,000 in Medical Evacuation coverage
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 high upfront costs
The Tin Leg Gold plan is the second most popular policy on our site among travelers over 70. It offers solid value for the money, with higher-than-average medical coverage limits and strong cancellation and interruption protection.
It includes $500,000 in Emergency Medical and $500,000 in Medical Evacuation coverage, which should be enough to cover you for far-off destinations as well as trips close to home. You’ll be covered for 100% of prepaid, non-refundable trip costs for covered cancellations, and it offers 150% Trip Interruption coverage for unexpected changes.
Best for Customization
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150%
Customizable coverage limits allow you to raise Medevac to up to $1,500,000
Offers CFAR and IFAR coverage to give you the most flexibility for your trip
Can cover up to 9 grandkids under age 18 for free, with each insured adult
Travel Insured International’s FlexiPAX is the third most frequently chosen policy among seniors over 70 on our platform. This policy is popular thanks to its high coverage limits, affordable pricing, and options for customization.
FlexiPAX comes with Primary Medical coverage limits of $100,000 and Medical Evacuation limits of $500,000 and includes 100% trip cost reimbursement for cancellations, and 150% reimbursement for trip interruptions.
With FlexiPAX, you can adjust the limits on the policy to get medical coverage up to $500,000, medevac coverage up to $1,500,000, and Trip Delay, Baggage Delay, and Baggage Loss coverage up to $2,500.
You can also add the following optional coverages: Cancel For Any Reason & Interruption For Any Reason, $30,000 of rental car damage, or Cancel for Work Reasons.
Additionally, this plan can cover pre-existing medical conditions when purchased within 21 days of your initial trip deposit. If you plan to travel with grandchildren under the age of 18, this policy also offers exceptional value by allowing you to include them on your policy at no additional cost.
Highest Medical Coverage Limits
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers some of the highest coverage limits of any policy on the market
Covers trips costing up to $100,000 per person
Offers both Cancel For Any Reason and Interruption For Any Reason
If your main concern is top-tier medical coverage, Seven Corners’ Trip Protection Choice is an excellent option. This policy offers some of the highest medical limits of any policy on the market with $500,000 of Emergency Medical protection, and a whopping $1,000,000 of Emergency Medical Evacuation Protection. Although some policies allow you to pay extra to raise your limits to these levels, these limits come standard with this policy.
As a comprehensive policy, Seven Corners Trip Protection choice also reimburses up to 100% of your trip costs for covered cancellations, and up to 150% for trip interruptions. It stands out for its ability to reimburse you for trips costing up to $100,000 per person.
While it’s not the cheapest option on our list, you’ll find this plan offers higher-than-average limits on almost all of its main coverage categories, making it an ideal option for people who are comfortable spending slightly more to secure a policy with all the bells and whistles.
Other notable benefits include rental car damage protection, optional CFAR and IFAR upgrades, and Accidental Death & Dismemberment protection.
How Much Does Travel Insurance Cost for Seniors Over 70?
Comprehensive travel insurance for people over 70 costs about $746 on average according to our internal sales data from the past 12 months, or about $53 per day for an average trip length of 15 days.
Your age is one of the biggest factors for travel insurance pricing. Generally, coverage becomes more expensive as you age, due to the increased health and safety risks. Other factors, such as your trip cost, trip length, destination, and the number of travelers in your group, can also impact pricing.
For example, we pulled sample quotes for a weeklong trip to Mexico, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$348.00 |
$571.00 |
$704.00 |
Get Quotes | |
560.00 |
$880.00 |
$1,112.00 |
Get Quotes | |
524.00 |
$848.00 |
$776.00 |
Get Quotes | |
$684.00 |
$1,072.00 |
$1,242.00 |
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.
IMG iTravelInsured Choice, the most budget-friendly option for people over 70, costs around 7% of the trip cost for both solo travelers and couples over 70. On the high end, Seven Corners Trip Protection Choice costs around 13% of the trip cost for people over 70 because it offers very robust medical coverage. However, for family groups that include younger travelers, including 2 children under 18, premiums range from just 5% to 8% of the trip cost because premiums are lower for younger travelers and FlexiPAX includes children at no extra cost.
Compare Popular Benefits for the Top Over-70 Travel Insurance Plans
Here is a look at how each of the best travel insurance policies over 70 compares on the most common coverage benefits.
| Travel Insurance Benefit | IMG iTravelInsured Choice |
Tin Leg Gold |
Travel Insured International FlexiPAX |
Seven Corners Trip Protection Choice |
|---|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $500,000 | Up to $100,000 | Up to $500,000 |
| Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $1,000,000 |
| Pre-Existing Condition | Covered if purchased within 21 days of trip deposit | Covered if purchased within 14 days of trip deposit | Covered if purchased within 21 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 | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $500 per person after a 6-hour delay | $1,000 per person after a 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 | $500 per person after a 3-hour delay | $500 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 | $1,000 per person | $2,500 per person |
| Baggage Delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay | $300 per person after a 6-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.
However, it is also the most expensive of the top policies. If you don’t need such high coverages, IMG iTravelInsured Choice meets our recommended limits for Emergency Medical and Medical Evacuation for nearly half the price.
How Reliable Are The Top Over-70 Travel Insurance Providers?
All of our top providers for people over 70 have excellent customer service track records. Tin Leg, one of our top-rated providers, scores the highest for customer satisfaction, with excellent marks across the board, including customer service before, during, and after the trip. The other providers also have excellent ratings in most areas, although they possess slightly lower ratings than Tin Leg for customer service after a trip is complete.
| Customer Satisfaction | IMG | Tin Leg | Travel Insured International | Seven Corners |
|---|---|---|---|---|
| Overall Rating | 4.2 / 5 | 4.5 / 5 | 4.4 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.3 / 5 | 4.6 / 5 | 4.5 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 3.6 / 5 | 4.1 / 5 | 4.1 / 5 | 3.9 / 5 |
| Customer Service After a Trip | 3.5 / 5 | 4.1/ 5 | 3.7 / 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.
Our top providers also get excellent marks for reliability and trustworthiness. They have an excellent to superior A.M. Best rating, which assesses the insurer’s ability to pay claims. And they all have A+ or A++ BBB ratings, which indicates strong responsiveness to customer complaints and fair business practices.
| Reliability | IMG | Tin Leg | Travel Insured International | Seven Corners |
|---|---|---|---|---|
| A.M. Best Rating | A- (Excellent) | A++ (Superior) | A+ (Superior) | A+ (Superior) |
| BBB Rating | A+ | A++ | A+ | A+ |
Ultimately, these scores speak for themselves. You should feel confident buying a policy from any of the providers listed on this page, as they are all highly reputable.
Our expert product team carefully vets every every travel insurance company that we list on Squaremouth to ensure it meets our rigorous standards and Zero Complaint Guarantee.
Which Over-70 Travel Insurance Plan is Right For Me?
The best policy for you depends on your travel plans, health needs, and desired coverage.
- Choose IMG iTravelInsured Choice if you want the most affordable policy with solid medical and cancellation coverage. It also lets you qualify for pre-existing condition coverage up to 21 days after your trip deposit, one of the longest eligibility windows on the market .
- Choose Travel Insured International FlexiPAX for fully customizable coverage with solid coverage limits.
- Choose Tin Leg Gold to get above-average protections across the board and strong customer service.
- Choose Seven Corners Trip Protection Choice if you plan to travel a long distance and need the highest Emergency Medical and Medical Evacuation limits available.
For even more options, start a quote to view eligible policies for your trip.
Special Considerations When Purchasing Travel Insurance Over 70
Traveling over 70 comes with unique risks and challenges. Be sure to take into account the following factors when comparing plans:
Pre-Existing Medical Conditions
When exploring the world later in life, you may be traveling with a chronic or existing health issue. While travel insurance policies typically exclude pre-existing conditions, some may offer a Pre-Existing Condition waiver if you meet the following requirements:
- 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
There are multiple types of plans to choose from. Look for one that meets your travel needs, fits your budget, and covers the full duration of your trip.
- Comprehensive: This is the most popular and expensive type of coverage for travelers over 70. It provides financial protection for your trip costs, plus coverage for medical expenses, emergency evacuations, delays, and other common disruptions. We highly recommend comprehensive coverage due to the unpredictable nature of travel and the high cost of medical treatment away from home.
- Travel Medical: These policies strictly provide medical coverage abroad, and don’t reimburse you for cancellations. Premiums are much cheaper, but coverage is very narrow.
- 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, trip cost, destination, and add-ons or upgrades to your plan.
Popular add-ons 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: Some plans let you increase coverage limits for select benefits, like Emergency Medical and Medical Evacuation, for a small fee.
Timing
It’s easy to miss the window for time-sensitive benefits like pre-existing condition coverage and CFAR. Travelers often make a deposit on a cruise, group tour, or safari months or even years in advance and don’t start thinking about travel insurance until later, only to discover they’ve missed the boat.
Travel insurance should be one of the first things you purchase after making your initial trip deposit. You should plan to purchase coverage within 14-21 days of your deposit to assure your eligibility for time-sensitive benefits. Note that many travel insurance providers allow you to modify your trip costs up until your departure date, if you’re unsure about your final trip cost.
FAQs: Travel Insurance for Seniors Over 70
Which Travel Plans Cover Pre-Existing Medical Conditions for Seniors Over 70?
IMG iTravelInsured Choice, Tin Leg Gold, Travel Insured International FlexiPAX, and Seven Corners Trip Protection Choice all provide coverage for pre-existing conditions.
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?
Below are the benefits you can expect in a comprehensive travel insurance plan for travelers over 70:
- Trip Cancellations: Reimburses you for cancellations due to a covered reason, such as an unexpected illness, injury, inclement weather, or family emergency.
- Medical Emergencies: Covers unexpected medical expenses, including hospital bills, doctor visits, and prescription medications.
- Medical Evacuations & Repatriation: Reimburses you for emergency transportation services like air ambulance rides to a nearby medical facility.
- Travel Delays: Covers 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: Reimburses you for personal items that get lost, stolen, or damaged during a trip.
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, your policy may exclude it.
- 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: Your policy may not cover cancellations or interruptions due to a travel advisory or ban from the U.S. government.
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?
We strongly recommend that you purchase a comprehensive travel insurance plan that includes sufficient limits for Emergency Medical and Medical Evacuation for your trip.
Make sure the plan includes:
- Trip Cancellation: Choose a plan that covers 100% 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, look for a plan with a pre-existing condition waiver and make sure you’re within its time-sensitive period
- Sports & Activities: If you plan on participating in hiking, scuba diving, or other high-risk sports, you must find a plan with adventure sports coverage.
- Travel Delay: Consider plans that cover 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, which can vary by policy. For example, some travel insurance companies won’t cover travelers over the age of 75, while others won’t cover people over 80.
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, we strongly recommend travel insurance 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 may be out-of-pocket for thousands, or even hundreds of thousands, of dollars in costs in case an emergency.
Even for domestic trips, a travel insurance plan with primary Emergency Medical coverage can reimburse you for claims faster than your Medicare policy and help you avoid changes to your Medicare premiums.
Can Travelers Over 70 Buy Cruise Insurance?
Yes, cruise insurance is widely available to travelers over 70. In fact, travelers in this age group account for more than 35% Squaremouth’s cruise insurance sales.
You can use our cruise insurance comparison tool to locate policies for your age group.
I’m Over 70 and Traveling With My Family. Can We All Be On the Same Policy?
Yes, you can include family members on your policy when you purchase travel insurance. 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.
What Is Primary vs. Secondary Medical Coverage and Which Should People Over 70 Buy?
A travel insurance policy with secondary medical insurance means you must file through your primary insurance provider, including Medicare, ahead of submitting a travel insurance claim, even if your primary provider won’t cover the claim.
A primary medical policy allows you to immediately file a claim with your travel insurance. People over 70, who are at higher risk of having a medical event, should look for plans with primary coverage to help get a faster payout of any claims.