The Best Travel Insurance for Seniors Over 80

Our Top Over-80 Travel Insurance Plans

The Best Travel Insurance Plans for Seniors Over 80 in Detail

Best Overall Travel Insurance For Seniors Over 80

IMG
iTravelInsured Choice

4.2

(2,710 reviews)

• Medical / Med Evac Coverage
  $100,000 / $500,000

• Cancellation / Interruption Limits
  100% / 150% of trip cost

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Why Our Customers Like This Plan

• The most popular comprehensive policy among travelers over the age of 80, accounting for roughly 29% of policy sales

• Offers $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage, exceeding our minimum policy recommendations for senior travelers

• Provides pre-existing condition coverage to travelers who purchase a plan within 21 days of their initial trip payment, which is generous compared to the typical 15-day time-sensitive period offered by most providers

IMG’s iTravelInsured Choice plan gets our pick for the best policy for seniors over 80 because of its popularity, medical coverage limits, and generous pre-existing condition eligibility window. Through this plan, you can travel with the peace of mind that you are financially protected in the event you get sick or injured while away from home.

This well-rounded policy also offers great coverage for other common travel disruptions, including trip delays, baggage loss, and missed connections.

Most Affordable Travel Insurance For Seniors Over 80

Generali Global Assistance
Preferred

4.32

(5,077 reviews)

• Medical / Med Evac Coverage
  $150,000 / $500,000

• Cancellation / Interruption Limits
  100% / 150% of trip cost

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Why Our Customers Like This Plan

• The most affordable comprehensive plan for travelers over 80, with an average premium of $355

• Provides up to $150,000 in Emergency Medical coverage, which is more protection than what’s offered by higher-cost policies

• Includes additional support through unique benefits like concierge services and identity theft protection

Generali’s Preferred plan currently averages a premium of $355, which is less than half the price of the average premium for travelers over the age of 80. Despite its affordability, it still manages to deliver coverage limits that exceed our minimum medical protection recommendations for senior travelers.

If you are traveling with pre-existing health conditions, it’s important to note that this policy will not cover any flare-ups you experience while traveling.

Best Travel Medical Travel Insurance For Seniors Over 80

Seven Corners
Trip Protection Choice

4.38

(4,475 reviews)

• Medical / Med Evac Coverage
  $500,000 / $1,000,000

• Cancellation / Interruption Limits
  100% / 150% of trip cost

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Why Our Customers Like This Plan

• Providers $500,000 in Emergency Medical coverage and $1,000,000 in Medical Evacuation coverage, which is greater coverage than any other comprehensive plan

• Covers up to $100,000 in travel expenses per person, making it a great option for seniors taking a luxury trip

• Offers the option to add Cancel For Any Reason and Interruption For Any Reason coverage to eligible travelers, which can add additional flexibility and peace of mind heading into a trip

When it comes to medical coverage, no comprehensive plan offers more protection than Seven Corners’ Trip Protection Choice policy. It 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 any trip abroad. The policy also offers Pre-Existing Condition coverage if you purchase their 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 80

The cost of travel insurance typically rises with age, but the increase becomes much steeper once you reach your 80s. Insurers view this age group as higher risk due to elevated medical concerns, making premiums significantly more expensive compared to younger seniors.

Other factors that may impact your travel insurance premiums include your destination, policy type, the number of travelers in your group, and the amount of coverage you choose.

To help you get a clearer idea of what to expect, we’ve used our comparison platform to create sample quotes for the top travel insurance plans for seniors over 80. The table below shows ballpark costs for a weeklong trip to Canada , broken down by traveler type.

Methodology: ⌄

The table above shows that Generali Preferred provides the most affordable coverage of the top plans listed on this page. This policy is a great choice if you’re looking to keep costs down, but still have strong coverage while away from home. It’s important to note that this plan doesn’t cover pre-existing conditions, so you may want to consider other options if you are traveling with health issues.

Trip Protection Choice by Seven Corners is, by far, the most expensive plan on our list. This is largely because it offers the highest amount of built-in medical coverage of any comprehensive plan on Squaremouth. While this level of coverage is not always necessary, it can provide valuable peace of mind if you are concerned about getting sick or injured while traveling.

Compare Popular Benefits for the Top Over-80 Travel Insurance Plans

Regardless of your age, it’s always important to find a plan that provides adequate coverage for your upcoming itinerary. Traveling with the wrong policy could leave you exposed to out-of-pocket expenses if your trip takes a sudden turn for the worse.

When traveling past your eighties, it’s important to 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	Generali Preferred	Seven Corners Trip Protection Choice
Emergency Medical	Up to $100,000	Up to $150,000	Up to $500,000
Medical Evacuation	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	No Coverage	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
Cancel for Any Reason	75% of trip cost if purchased within 21 days of initial trip deposit	50% of trip cost if purchased within 15 days of initial trip deposit	75% of trip cost if purchased within 20 days of initial trip deposit
Travel Delay	$1,000 per person after a 6-hour delay	$1,000 per person after an 8-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	(Cruise and tour only) $750 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	$1,500 per person	$2,500 per person
Baggage Delay	$300 per person after a 6-hour delay	$300 per person after an 18-hour delay	$500 per person after a 6-hour delay

When it comes to travel medical insurance, no policy comes close to Seven Corners Trip Protection Choice. With up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, it offers more than enough protection while you’re away from home. Other standout features of this plan include high Travel Delay reimbursement rates and strong coverage for lost or stolen personal items.

IMG’s iTravelInsured Choice plan offers the most generous eligibility window if you’re looking for pre-existing condition coverage. With this policy, you can qualify for coverage if you purchase your plan within 21 days of your trip deposit date. For context, the majority of plans will only provide this coverage if you purchase after just 15 days of your initial trip payment.

All plans on this page offer comparable Trip Cancellation and Trip Interruption coverage. These benefits are especially important if you’re taking an expensive trip, as they can reimburse your prepaid, non-refundable trip costs if you need to cancel or interrupt your trip due to a covered reason.

Compare Customer Satisfaction Ratings

Traveling with a provider you can trust can make all the difference. That’s why we only list the best travel insurance companies and plans on our comparison platform.

Ratings for the top travel insurance companies for seniors over 80 can be found below. These scores shed light on how travel insurance companies serve their customers before, during, and after their trips.

These scores reflect real customer experiences on topics like customer support and claims handling. For further insight, visit our Travel Insurance Reviews section, where you can read all reviews submitted by Squaremouth customers for each provider’s plans.

Customer Satisfaction	IMG	Generali	Seven Corners
Overall Rating	4.2 / 5	4.3 / 5	4.4 / 5
Customer Service Before a Trip	4.3 / 5	4.4 / 5	4.5 / 5
Customer Service During a Trip	3.7 / 5	3.9 / 5	3.9 / 5
Customer Service After a Trip	3.4 / 5	3.9 / 5	3.5 / 5

Methodology: ⌄

Seven Corners is the highest-rated provider among past customers, especially when it comes to pre-trip customer assistance. Having a provider that can offer exceptional support before a trip can be a huge bonus if you have questions about your policy or need to make last-minute changes to your coverage.

Of the providers featured on this page, Generali ranks the highest for post-trip customer service. This score usually refers to the customer experience throughout the claims process. Providers that rank high in this category usually have quick resolution times and are strong communicators.

For a deeper dive into what customers are saying, you can visit our reviewspages, where we break down ratings and share detailed feedback for every insurer on our marketplace.

How Reliable Are The Top Over-80 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.

Reliability	IMG iTravelInsured Choice	Generali Preferred	Seven Corners Trip Protection Choice
A.M. Best Rating	A- (Excellent)	A+ (Superior)	A (Excellent)
BBB Rating	A+	A	A+

Every plan highlighted on this page comes from a reputable provider with strong financial backing. All policies receive an A.M. Best score of Excellent or better, which indicates that the company is financially strong and highly likely to meet its obligations to policyholders, including paying claims.

The BBB scores also highlight that each provider has a track record of responding to customer complaints promptly, which can provide you with peace of mind knowing your claim will be handled fairly and taken seriously.

Which Over-80 Travel Insurance Plan is Right For Me?

Any of the plans listed above can provide you with the coverage you need to travel with peace of mind. The right policy for you will depend on your specific travel plans and coverage needs.

If you want more options to choose from, you can use your trip details to compare quotes on Squaremouth to find the perfect policy for your next adventure.

• If you’re looking for a great value plan that mixes well-rounded coverage with affordable pricing, consider IMG iTravelInsured Choice. This popular option may not provide the highest coverage limits or lowest premiums, but it does offer well-rounded protection at a reasonable price point. It offers adequate medical coverage, as well as strong protection against unexpected flight delays. It also offers one of the longest Pre-Existing Condition eligibility windows on the marketplace, allowing you to qualify for coverage up to 21 days after your initial trip deposit. All of this coverage comes at just a slightly higher price tag than Generali’s Preferred plan.

• If affordability is top priority for you, we suggest Generali’s Preferred policy. Not only is it the least expensive plan discussed on this page, but it also offers well-rounded protection against common disruptions you may face throughout your trip. Its medical benefits surpass our minimum coverage limit recommendations for seniors over 80, which isn’t always the case with low-cost plans. Generali also receives high ratings for its customer service after a trip, which can be valuable if you need to file a claim when you return home. However, since this plan does not cover pre-existing medical conditions, it may not always be the best choice for you if you have a condition that may require treatment while you travel.

• For the best medical coverage, opt for Trip Protection Choice by Seven Corners. It not only offers among the highest Emergency Medical and Medical Evacuation coverage limits found on Squaremouth, but it also offers a generous 20-day eligibility window if you need pre-existing medical condition coverage. Choosing a policy with strong medical coverage is so important, especially if you’re visiting an international destination that does not accept U.S. health insurance policies, such as Medicare. Trip Protection Choice is an expensive option, and may offer more coverage than you truly need, depending on your itinerary.

Special Considerations When Purchasing Travel Insurance Over 80

Traveling later in life comes with a unique set of challenges, many of which require specialized coverage.

Medical Coverage

If you experience a flare-up of a chronic or existing health issue while traveling, it’s not a guarantee that your provider will reimburse related expenses, as pre-existing conditions are typically excluded from coverage.

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. Always check if the plan includes this waiver, as not all providers offer it.

We recommend selecting a policy with Primary Emergency Medical coverage rather than Secondary coverage. With primary coverage, you’ll file claims directly with your travel insurance company first, rather than your domestic health insurance provider. This often leads to a quicker, more streamlined claims process.

Type of Policy

Some travel insurance providers exclude coverage for travelers over a certain age, which can leave you with fewer coverage options. However, customers in this demographic still have the option to choose from various types of coverage:

• Comprehensive: This is the most popular, and most expensive, type of coverage as it provides financial protection against last-minute cancellations, medical expenses, emergency evacuations, delays, and other common disruptions.
• Travel Medical: Focused primarily on emergency medical coverage while abroad, these policies are often more affordable than comprehensive plans as they are not designed to protect your travel investments in the event of a cancellation.
• Annual: These plans cover multiple trips within 12 months and are a good option if you travel frequently and want consistent protection without purchasing separate policies for each trip.

Due to the unpredictable nature of traveling later in life, we strongly recommend comprehensive policies to all senior travelers due to the depth of coverage they provide.

Add-Ons & Upgrades

Many travel insurance companies provide the option to enhance your coverage with optional add-ons and policy upgrades during the checkout process. For a small fee, you can achieve stronger coverage where it matters most, allowing you to explore the world with greater peace of mind.

Below are some of the most common ways you can improve your travel protection before departing for your trips.

• Cancel for Any Reasons: 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: Select policies allow you to increase coverage limits for select benefits, like Emergency Medical and Medical Evacuation, for a small fee.

FAQs: Travel Insurance for Seniors Over 80

Which Travel Plans Cover Pre-Existing Medical Conditions for Seniors Over 80?

IMG iTravelInsured Choice and Seven Corners Trip Protection Choice both 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.

To qualify for pre-existing condition coverage, you must meet certain eligibility requirements. You can find a full list of these requirements and all other plans that offer this coverage on our Pre-Existing Condition benefit page.

Is Primary or Secondary Medical Insurance Better for Seniors Over 80?

In general, primary medical coverage is the better option for seniors over 80 because it allows claims to be processed more quickly. Instead of waiting for your regular health insurance, such as Medicare, to handle the bill first, primary coverage pays for unexpected medical expenses directly. This often results in faster resolution and reimbursement.

Secondary plans are often cheaper, but will require you to file a claim with your main health insurance before filing with your travel insurance provider. Even if you already know your health insurance won’t offer coverage, such as getting injured overseas, you still have to go through that process before submitting a claim with your travel insurer. This extra step can add both complexity and time when trying to get reimbursed.

Read our recent article for a full breakdown of the difference between primary and secondary travel insurance coverage.

What Does Over-80s Travel Insurance Cover?

Comprehensive travel insurance is designed to cover a wide range of common disruptions and emergencies that may arise while you’re away from home.

For travelers over 80, this type of coverage is especially important, as it can help offset the high costs of medical care abroad and provide peace of mind throughout your trip.

Most comprehensive plans will cover:

• If you need to cancel your trip: 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.
• If you get sick or injured: Coverage for unexpected medical expenses that arise during your trip, including hospital bills, doctor visits, and prescription medications.
• If you require medical transportation: Reimbursement for emergency transportation services like air ambulance rides to a nearby medical facility.
• If your flight or cruise is delayed: Coverage for meals, accommodation, and other reasonable expenses if your trip is significantly delayed by a delay of a common carrier.
• If you miss a connecting flight or cruise departure: Covers the cost to book new travel arrangements if a previous delay forces you to miss a connecting flight or cruise departure.
• If your personal Items are damaged or go missing: Reimbursement for personal items that get lost, stolen, or damaged during a covered

What Is Not Covered by Over-80s Travel Insurance?

While travel insurance offers critical protection, it’s important to understand its limitations. Most standard policies do 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 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 More Expensive is Travel Insurance Over 80?

On average, comprehensive travel insurance for travelers over the age of 80 costs $60 per day.

This figure is based on proprietary Squaremouth data that takes into account travel insurance sales to individuals over 80 years old in the past 12 months. On average, travelers in this demographic spend $905 on travel insurance to protect a 15-day trip.

Travel insurance premiums for seniors over 80 years old are as much as double the price of what a traveler in their 60s can expect to pay for comprehensive trip protection. This figure is also slightly higher than other senior age groups:

• Over 60: Premiums average $493, or $33/day
• Over 70: Premiums average $550, or $36/day
• Over 80: Premiums average $905, or $60/day

If cancellation coverage is not a priority, you may opt for a basic travel medical plan for more affordable protection. This type of policy is much less expensive, averaging just $263 per trip.

Is There Cost-Effective Travel Insurance for People Over 80?

Yes, there are affordable travel insurance options for seniors over 80, but finding them requires a bit more research and flexibility.

Here are some strategies you can deploy to get cheaper travel insurance premiums for your upcoming trip:

• Compare providers: Using a comparison site is the best way to find the best coverage at the lowest price.
  Consider travel medical insurance: If you’re not worried about losing prepaid expenses, you might opt for a medical-only policy for cheaper premiums.
• Avoid unnecessary add-ons: Skip rental car coverage, Cancel For Any Reason, or policy upgrades if they don’t apply to your trip, as they may significantly increase travel insurance costs.
• Only insure non-refundable expenses: If purchasing comprehensive coverage, you should only insure trip costs that can’t be recovered if your trip is cancelled or interrupted.
• Consider secondary coverage: Primary coverage pays your claims before any other insurance, but it’s generally more expensive. Secondary coverage kicks in after you file a claim with Medicare or other health insurance and is often more affordable.

How Much Coverage Do Seniors Over 80 Need?

Having the right coverage can make all the difference in an emergency. At this stage of life, certain benefits are especially critical, while others may be optional based on your trip and health profile.

A comprehensive travel insurance plan will include all the necessary coverage you need to adventure with peace of mind. Here are the must-have travel insurance benefits for travelers over 80:

• 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.
• Travel Delay: Consider plans that provide coverage after delays of 6 hours or less.

What is the Maximum Age for Travel Insurance?

While there’s no universal maximum age limit for travel insurance, each provider sets their own restrictions for who is eligible for coverage. Age limits can vary significantly between providers and plans.

Some travel insurance companies cap eligibility at 70, 75, or 80, meaning travelers above that age won’t qualify for coverage under certain policies. However, other insurers do offer coverage with no maximum age, making it possible for travelers well into their 80s or even 90s to get insured.

Details regarding maximum age limits can be found within each policy’s Certificate of Insurance.

Is Over-80 Travel Insurance Necessary if I Have Medicare?

Yes, travel insurance is still strongly recommended if you are over 80 and traveling overseas, even if you have Medicare.

That’s because Medicare typically does not cover medical care outside of the United States. While some Medicare Advantage or Medigap plans may offer limited international coverage, it’s often capped at low reimbursement limits and may not include emergency evacuation or trip protection.

For travelers over 80, this gap in coverage is especially risky. If you become ill or injured abroad, you could face thousands, or even hundreds of thousands, of dollars in out-of-pocket costs without a dedicated travel insurance plan.

Can I Get Travel Insurance for a Cruise Over 80?

Yes, many travel insurance companies offer policies that can protect a cruise, even if you are over 80 years old. The best way to find these plans is to enter your cruise details into a travel insurance comparison site. From there, you will be shown a list of reliable policies that can provide trusted trip protection both on land and at sea.

Can Trip Insurance for Over 80s Cover Golf Rounds?

Yes, there are a variety of travel insurance benefits that can help protect your golf vacation. In order to get the best coverage, you may need to purchase a policy designed for sports and activities.

These plans can include a wide range of unique benefits, such as:

• Sports Accident Coverage: Covers medical costs if you get injured while participating in a covered sport or activity.
• Sports Fees: Reimburses your green fees if your trip is significantly delayed or you’re forced to cancel your trip for a covered reason.
• Sports Equipment Loss: Reimburses the cost of your clubs or other sports equipment that gets lost, damaged, or stolen during a trip.
• Sports Equipment Delay: Covers the cost of rental clubs if your golf bag is delayed en route to your final destination.
• Concierge Services: A dedicated support number available through some providers that can help arrange golf tee times, purchase event tickets, and make dinner reservations.

Do I Have to Pass a Medical Test to Get Travel Insurance Over 80?

No, you do not have to pass a medical test to get travel insurance if you’re over 80. Travel insurance policies, regardless of age, are issued without requiring a physical exam or medical screening.

However, in the event you file a medical claim, you may need to prove that you were physically fit to travel before departing for your trip. Visiting a doctor or licensed physician prior to your trip and getting a note that says you are fit to travel is always a smart decision when traveling later in life.

Meet Our Team

James Clark Author

About James Clark is an in-house Senior Copywriter at Squaremouth with over a decade of writing experience across industries like travel, hospitality, and FinTech.
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Steven Benna Editor

About Steven Benna is the Senior Marketing Manager at Squaremouth, where he oversees the production, review, and editing of the company’s travel insurance content.
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Arielle Turriff Product Specialist

About Arielle is the Product Development Manager at Squaremouth, where she is responsible for evaluating and selecting the travel insurance plans offered on Squaremouth’s marketplace.
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