Best Travel Insurance for Seniors for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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We analyzed sales data for the most popular travel insurance plans among older travelers on Squaremouth and found that the best travel insurance plans for seniors are offered by IMG & Tin Leg.
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All of the top senior travel insurance policies on our list are eligible for travelers over the age of 60, include a minimum $50,000 of emergency medical coverage, $100,000 of medical evacuation coverage, and were chosen by at least 500 customers over the age of 60 in the past month.
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Comprehensive travel insurance for seniors costs $40 per day on average. Seniors tend to pay the most for travel insurance due to increased age, longer trips, and higher trip costs.
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It is still possible to find cheap travel insurance for seniors by comparing policies and providers or opting for a medical-only travel insurance policy.
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Seniors traveling internationally should consider opting for policies with at least $100,000 of Emergency Medical coverage, $250,000 of Medical Evacuation and repatriation coverage, and coverage for pre-existing medical conditions.
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We recommend using our quote tool to compare plans and prices from multiple providers at once, or speak with an agent at 1-800-240-0369 for help choosing a plan.
What Is the Best Travel Insurance for Seniors Over 60?
While there are many great options available, I IMG’s iTravelInsured Choice plan stands out as the best trip insurance for seniors in 2026 due to its generous medical limits, attainable pre-existing condition coverage, and lack of age restrictions. Here is a look at all of the best senior travel insurance plans for this year, by category:
- Best Travel Insurance for Seniors Overall, IMG – iTravelInsured Choice
- Best Medical Coverage for Seniors, Tin Leg – Gold
- Best Cruise Travel Insurance for Seniors, IMG iTravelInsured Choice Cruise
- Best Adventure Travel Insurance for Seniors, Detour – Access
Visit our Best Travel Insurance for Seniors Over 70 and Best Travel Insurance for Seniors Over 80 pages for age-specific recommendations.
To maintain complete transparency when selecting the best travel insurance for travelers over 60, we created our rankings based entirely on Squaremouth sales data from the previous month. Our rankings are unbiased, without any influence from the insurance companies on our site, business relationships, affiliates, or other external parties. We compared pricing, benefits, and popularity for nearly 100 plans to make our top picks.
Each senior travel insurance award is given to the top-selling plans that meet the specific criteria outlined below.
- Best Overall Travel Insurance for Seniors: Over 500 sales, travelers aged 60 or older, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted from the highest to lowest number of policies sold.
- Best International Medical Coverage for Seniors: Over 250 sales, travelers aged 60 or older, trip cost insured equal to $0, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, with both primary medical and pre-existing conditions filters selected, sorted by the highest to lowest number of policies sold.
- Best Plan for Senior Cruisers: Over 250 sales, travelers aged 60 or older, cruise filter selected, with both primary medical and pre-existing conditions filters selected, sorted by the highest to lowest number of policies sold.
- Best Adventure Plan for Seniors: The plan that’s available to the widest age range and covers the widest range of hazardous activities (cycling, hiking, scuba).
The Best Senior Travel Insurance Plans in Detail
Best Overall Travel Insurance For Seniors
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
With 30 years of experience providing reliable travel insurance at competitive prices ($400 per trip), IMG plans are popular among seniors with pre-existing medical conditions
The most affordable plan for seniors of our top providers, with an average price of around $400 per trip
Offers $100,000 in Emergency Medical coverage, meeting our medical recommendation, with Primary coverage to ensure more efficient claims
Offers up to 75% of CFAR coverage, as an add-on, if purchased within 21 days of your initial trip deposit
The top-selling travel insurance policy for seniors over 60 in 2026 is IMG’s iTravelInsured Choice plan. This plan offers up $100K of Primary Emergency Medical Protection and $500K of Medical Evacuation and repatriation coverage. These limits should satisfy your protection needs, whether you’re traveling internationally or domestically.
This policy also gives you the best chance at qualifying for pre-existing condition coverage of any other plan on our list, as it has one of the widest qualification windows, allowing you to purchase up to 21 days after your trip deposit date. The iTravelInsured Choice plan also has no age restrictions, meaning it’s a good fit for seniors over 70, and even more elderly travelers over 80.
Best International Medical Travel Insurance for Seniors
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Provides the most built-in travel medical protection of any comprehensive plan on the market
The top-selling plan on the Squaremouth marketplace, known for its well-rounded protection against common trip disruptions
Covers up to $30,000 in prepaid, non-refundable travel expenses per person, making it a great option if your trip involves high upfront costs
Offers up to 75% of CFAR coverage, as an add on, if purchased within 14 days of your initial trip deposit
If you’re over 60 and heading abroad, choosing the best international travel insurance for seniors is critical, as Medicare and most U.S. health plans do not provide coverage overseas. From medical expenses to logistics, even a minor medical issue can be a costly and stressful situation. Tin Leg’s Gold policy can provide peace of mind by offering leading medical coverage and customer support. This popular policy comes standard with up to $500,000 in Emergency Medical and Medical Evacuation coverage, keeping you safe from out-of-pocket health-related expenses while traveling. If you purchase the plan within 15 days of your initial trip deposit, you may also qualify for a pre-existing condition waiver.
In addition to financial protection, Tin Leg offers some of the best customer support on the market. You can contact its 24/7 emergency assistance department for help with medical referrals, coordinating evacuations, and translation services if you need help communicating with a medical professional.
Best Cruise Travel Insurance for Seniors
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
With an average price per trip of $527, IMG’s cruise plan covers all your cruise needs for a relatively low price
Covers medical emergencies on your cruise, including up to $100,000 of Emergency Medical coverage and up to $500,000 of Medical Evacuation coverage
Get pre-existing condition waiver if you purchase a policy within 21 days of your initial trip deposit
Covers other potential cruise mishaps, including delays and missed connections
IMG iTravelInsured Choice Cruise is the best cruise travel insurance for seniors because it offers strong coverage for cruising for a reasonable price. You’ll get $500,000 worth of Medical Evacuation coverage, which is crucial in case you need to be airlifted from your cruise ship in an emergency. It offers a generous 21-day window to purchase coverage for pre-existing conditions. And, you’ll get other cruise-specific benefits, like missed connection coverage, and coverage for bankruptcy and financial default in case your cruise line goes under.
Best Adventure Travel Insurance for Seniors
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 100% of trip cost
One of the few plans available to people over 70 that covers risky activities, like scuba diving and skiing
Strong coverage for medical risks, including up to $100,000 of Emergency Medical and up to $1,000,000 for Medical Evacuation
Detour Access is our top pick for senior travelers who are in good physical shape for riskier activities like scuba diving and cycling. It offers a very generous $1,000,000 limit on medical evacuations, which is a critical benefit in case you need an evacuation from a boat or a remote locale. You’ll also get a $100,000 limit for emergency medical care and $5,000 in sports equipment rental coverage for things like bikes, skis, and diving equipment.
Note, this plan has no pre-existing coverage and has a 60-day lookback window, so it is not a good fit for seniors managing chronic conditions like diabetes or heart disease.
How Much Does Travel Insurance Cost for Seniors?
In 2026, comprehensive travel insurance for senior citizens over 60 costs roughly $371 on average, according to Squaremouth sales data from the past year.
As a rule of thumb, comprehensive coverage will cost roughly 4-10% of your insured travel expenses. Other factors that impact premiums include your age, trip length, and coverage needs.
To offer concrete examples, we sampled quotes for a solo traveler, a couple, and a family and found that premiums for our four top plans ranged from around $230 for a solo traveler to $1,200 for an Adventure sports plan for a full family. IMG iTravelInsured Choice was the lowest-cost plan for all three scenarios:
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$229.00 |
$695.00 |
$704.00 |
Get Quotes | |
$376.00 |
$1016.00 |
$1,112.00 |
Get Quotes | |
$270.00 |
$780.00 |
$690.00 |
Get Quotes | |
$360.00 |
$1120.00 |
$1200.00 |
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 based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
Tip: If you’re traveling internationally and want to minimize your travel insurance costs, consider purchasing Medical Only travel insurance for seniors. These plans cost much less than comprehensive travel insurance.
What Does Travel Insurance for Seniors Cover?
All of our top plans for seniors feature at least $250,000 of Medical Evacuation coverage and at least $100,000 of emergency medical protection, meeting the CDC’s recommendation for international travel. 3 out of 4 of our top policies cover pre-existing conditions, which is a key benefit of travel insurance for older people, who are more likely to be traveling with illnesses like heart disease and diabetes.
All policies on this page feature comparable Trip Cancellation and Trip Interruption benefits. Strong coverage in this department will ensure your prepaid, non-refundable travel expenses are protected if you’re forced to cancel or interrupt your trip for a covered reason.
Our top plans also offer high coverage limits for benefits like Travel Delay and Lost Baggage.
| Travel Insurance Benefit | IMG iTravelInsured Choice |
Tin Leg Gold |
IMG iTravelInsured Choice Cruise | Detour Access |
|---|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $500,000 | Up to $100,000 | Up to $100,000 |
| Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $1,000,000 |
| Pre-Existing Condition Waiver | Within 21 days of trip deposit | Within 14 days of trip deposit | Within 21 days of trip deposit | No Coverage |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Cancel For Any Reason | 75% of trip cost if purchased within 21 days of initial deposit | 75% of trip cost if purchased within 14 days of initial deposit | No Coverage | No Coverage |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 100% 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 12-hour delay |
| Missed Connection | (Cruise and tour only) $500 per person after a 6-hour delay | $500 per person after a 3-hour delay | (Cruise and tour only) $500 per person after a 6-hour delay | No Coverage |
| Baggage Loss | $1,000 per person | $500 per person | $1,000 per person | $3,000 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 | $750 per person after a 12-hour delay |
How Reliable Are The Top Seniors Travel Insurance Providers?
All of our top providers have strong reputations for reliability and customer service. IMG, Tin Leg, and Detour all have an excellent customer satisfaction rating, with Detour scoring the highest for customer satisfaction. Tin Leg has the highest rating for customer service before and during a trip, while Detour scores the best for customer service after a trip.
| Customer Satisfaction | IMG | Tin Leg | Detour |
|---|---|---|---|
| Overall Rating | 4.2 / 5 | 4.5 / 5 | 4.6 / 5 |
| Customer Service Before a Trip | 4.3 / 5 | 4.6 / 5 | 4.6 / 5 |
| Customer Service During a Trip | 3.7 / 5 | 4.1 / 5 | 3.6 / 5 |
| Customer Service After a Trip | 3.4 / 5 | 4.1 / 5 | 4.2 / 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.
All of our top providers have excellent or superior ratings from A.M. Best financial strength ratings, which assesses an insurer’s ability to pay claims. They also have an A+ or A++ rating from the BBB for effectively handling consumer complaints.
| Reliability | IMG iTravelInsured Choice |
Tin Leg Gold |
Detour Access |
|---|---|---|---|
| Underwriter | SiriusPoint America Insurance Company | Starr Indemnity & Liability Company | Nationwide Mutual Insurance Company and Axis Insurance Company |
| A.M. Best Rating | A- (Excellent) | A (Excellent) | A (Excellent) |
| BBB Rating | A+ | A++ | A+ |
All the policies that you purchase on Squaremouth are backed by our Zero Complaint Guarantee.
Do Seniors Need Travel Insurance?
Yes, we strongly recommend that seniors purchase insurance for travel. Travel insurance is worth it for seniors who are more likely to make a claim, given their advanced age and potential health concerns. You should at least purchase a medical travel insurance policy for the following reasons:
- Higher health risks: Many seniors are traveling with pre-existing conditions and generally have a higher risk of needing medical care while traveling.
- Medical care can be expensive abroad: If you end up in the hospital due to an illness or injury, the costs could be catastrophic. Medical Evacuations from remote areas and cruises can be especially expensive, sometimes ranging over $100,000.
- Medicare won’t cover you outside the U.S.: Traditional Medicare doesn’t cover medical expenses abroad. Medicare Advantage and Medicare Supplement plans may cover some medical costs outside the U.S., but there are gaps in this coverage. No Medicare plan covers medical evacuations.
- High trip costs: Senior travelers tend to have higher trip costs, which means there is more money on the line if you run into issues like delays, baggage loss, and other disruptions.
How to Choose the Right Plan for Your Trip
Determine What Coverage You Need
Start by identifying what kind of travel insurance you need. This depends on where you’re traveling, what you’ll be doing on your trip, and what you want to cover. Your options include:
- Comprehensive travel insurance: Full-fledged travel insurance that covers trip cancellation and medical costs
- Medical only travel insurance: For international travelers who don’t need to insure trip costs
- CFAR: Gives you the flexibility to cancel for any reason
- Annual travel insurance: More cost-effective if you’re taking multiple trips in a year
- Cruise insurance: Includes special coverage for cruise disruptions like missing your cruise departure
- Adventure sports coverage: Covers risky activities like cycling, hiking, and scuba diving
Prioritise Plans With Primary Medical Coverage
If you’re traveling with any kind of medical condition, a travel insurance plan with Primary Medical insurance can save you a lot of hassle if you need to visit the doctor. With primary coverage, you can make a claim directly to your travel insurance. With secondary coverage, you have to make a claim through your primary insurance first, even if it doesn’t cover international care, which can delay reimbursement.
Buy Within the Pre-Existing Condition Window
Make sure you purchase travel insurance soon after you make the first purchase for your trip, especially if you have a pre-existing condition. Many travel insurance plans offer Pre-Existing Condition Waivers, but you usually have to purchase the plan within 14-21 days of your initial trip deposit.
Calculate Your Non-Refundable Trip Costs
Before you get a travel insurance quote, calculate the total non-refundable trip costs that you need to insure. This will help you pick plans with a sufficient amount of trip cancellation and interruption coverage without overpaying. To calculate your total trip costs, add up all qualifying trip costs, including:
- Flights
- Hotels and other accommodations
- Excursions
- Event tickets and activities
Exclude any purchase that’s refundable. Note, if you make additional trip purchases later, many policies will allow you to update your trip cost.
Compare Plans on Squaremouth
Use our quote form to search for plans with the exact amounts and types of coverage that you need. You can compare policies side-by-side and pick the lowest-priced plan that fits your needs.
Be sure to read your plan certificate closely for limitations and exclusions before you purchase it. Our customer service team is available seven days a week to help.
FAQs: Top Senior Insurance Plans
Is Travel Insurance Necessary if I’m Over 65 and Have Medicare?
Yes, even if you have Medicare, travel insurance is still a wise investment. Medicare is not accepted outside of the country. Without proper health coverage, you will be financially responsible for any medical costs incurred internationally, which can easily rise to over $10,000.
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 in Canada.
Which of the Best Senior Travel Insurance Plans Cover Pre-Existing Medical Conditions?
IMG iTravelInsured Choice, Tin Leg Gold, and IMG iTravelInsured Choice Cruise all offer protection for pre-existing medical conditions. Given the heightened health risks for seniors, this protection is an important safeguard in the event you have a flare-up during 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 plans that offer this coverage on our Pre-Existing Condition benefit page.
When Should Seniors Purchase Travel Insurance?
You should purchase travel insurance as early as possible, generally within 10-14 days of making your initial trip payment, including airfare, hotel accommodations, or cruise bookings. This will help you meet the window for time-sensitive benefits like Pre-Existing Condition and Cancel For Any Reason coverage.
Purchasing travel insurance early will also maximize coverage in the event of a medical emergency, natural disaster, or other covered event that happens leading up to a trip.
Which Travel Insurance Plan is Best For Seniors Over 60?
IMG’s iTravelInsured Choice policy is the best travel insurance for seniors, if you’re looking for reliable trip protection with great medical coverage. However, there are plenty of other options available that may better fit your specific needs, travel habits, and budget.
Every policy on Squaremouth comes with a unique combination of benefits and coverage limits, making it easy to find a plan for your upcoming trip. Each provider on our marketplace also offers dedicated 24-Hour Emergency Assistance services to support you throughout your entire journey.
We recommend using our comparison platform to discover options from multiple top-rated insurers at once. You may also contact our award-winning customer service team for personalized assistance in finding the perfect protection for your travel plans.
How Much Travel Medical Insurance is Recommended for Seniors?
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 seniors for most trips. Keep in mind that exclusions, deductibles, and eligibility requirements may apply.
Is There an Age Limit on Travel Insurance?
Not always, but some travel insurance providers put age limits on their policies, which means seniors typically have fewer options available to them as they age.
Squaremouth offers a list of the best travel insurance for seniors over 70 and for seniors over 80 to help you find options available to you.
That said, any age restrictions will be noted within the policy’s Certificate of Insurance.
What Is The Best Annual Travel Insurance for Seniors?
Our pick for the best annual travel insurance policy for seniors is Trawick International’s Safe Travels Annual Prime.
It’s well-suited to elderly travelers as it is a comprehensive annual policy that covers medical protection, trip cancellations, and interruptions.
Trawick uses a flat-rate pricing model that doesn’t increase with age, making it a strong value for older travelers. It doesn’t cover pre-existing conditions, but if you have a stable condition that hasn’t required treatment within the policy’s 90-day lookback window, it may still be covered.
Trawick International’s Safe Travels Annual Prime offers the following benefits:
- Emergency Medical: $50,000, secondary coverage
- Medical Evacuation: $250,000
- Cancellation: $10,000 per year
- Interruption: $10,000 per year
- Trips Per Year: Unlimited
Should I Buy Trip Cancellation Coverage or Just Make Refundable Bookings?
In most cases, purchasing a comprehensive travel insurance policy with trip cancellation coverage is a better value than a refundable booking.
Hotels and airlines frequently mark up prices for refundable bookings. Travel insurance policies often cost less than the extra cost of a refundable booking and they apply to 100% of your trip, rather than just an individual booking. Plus they come with other essential coverages like Emergency Medical insurance.
Do I Need Medical Evacuation Coverage?
Medical Evacuation coverage is essential for seniors planning international travel, especially for cruises and remote destinations. The cost of an air ambulance can be financially catastrophic, often amounting to $50,000 or more, depending on the remoteness of your destination. Seniors face a higher likelihood of serious medical events, and, as mentioned, evacuations aren’t covered by Medicare.
Should I Use My Cruise Line’s Travel Insurance or Buy My Own?
You will likely pay less by purchasing an outside travel insurance policy that covers cruises than by purchasing the cruise line policy. We always recommend comparing quotes from at least three insurance companies before purchasing a policy to ensure you get the best price and all the coverage that you need.
Is Diabetes Considered a Pre-Existing Condition for Travel Insurance?
Yes, diabetes is considered a pre-existing condition by travel insurance companies. It’s a chronic condition that requires ongoing treatment, medication, and doctor appointments, which will fall within most policies’ lookback periods for pre-existing conditions. If you are traveling internationally with diabetes, look for travel insurance policies with pre-existing condition waivers.
Does Travel Insurance Go Up at Age 70?
Yes, the cost of travel insurance goes up as you age, especially once you get into your 70s. At 70, you’ll pay a 11% higher premium on average than a 60-year-old. On average, at 80, you’ll pay twice as much for travel insurance versus what a 60-year-old pays. That said, you can find affordable plans for your age range by comparing quotes on Squaremouth.