Best Travel Insurance For Seniors Review

For many people, the best times of their lives is their retirement. The children are out of the house, they’re no longer tied down to working hours, and they’re free to do whatever they want. For many retirees, this is when the travel bug bites!

Whether it’s a foodie trip to India or a cruise on a luxury liner, seniors are booking exciting holidays, solo or with their partner or group of friends. Are you planning for your next trip? Do you fall into the “oldies” category but have the energy many youngsters would envy? And have you decided to purchase the best travel insurance for seniors available?

With numerous reviews of travel insurance for seniors easy to find, you could be overwhelmed by the choices. Use our review to make your decision-making process a breeze.

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Product Name Top Features Average Rating (out of 5)
Travelex Insurance – Travel Select (Best Overall)
  • 21-day pre-existing condition waiver exclusion available
  • Covers seniors up to 85+
  • Customized upgrades available
IMG – Globehopper Senior Single-Trip (Best Budget)
  • Temporary health insurance for travelers 65+
  • Plans for single trip and multi-trips
  • Affordable, market-related plans
Seven Corners – Liaison Travel Plus (Best for Coronavirus Coverage)
  • Includes coronavirus coverage
  • Options for 65–69 years old & 70–74 years old
  • Acute onset of pre-existing conditions included
Travel Guard – Deluxe Plan

(Best Comprehensive Plan)

  • Comprehensive package for travel and assistance services
  • Pre-existing condition exclusion waiver
  • Additional travel inconvenience benefits
Allianz – One Trip Prime Plan (Best for Family Vacations)
  • Designed for trips up to 180 days
  • Smart Benefit plan for travel inconveniences optional
  • Pre-existing medical condition coverage available

Product Review

Travel Select (Travelex Insurance)

This plan has a wide range of coverages. Their easy-to-use table indicates what these include and the premiums for different age groups. Seniors are covered with ages going over 85 years old. What’s even better, you can take your grandkids under the age of 17 with you and pay no additional costs!

Key Features

  • Trip cancellation covered up to $50,000
  • Trip interruption covered up to $75,000
  • Trip delay covered up to $750
  • Baggage loss/damage covered up to $1,000
  • Medical expenses maximum of $50,000
  • Emergency evacuation and repatriation up to $500,000
  • If plan is purchased within 21 days of initial deposit the pre-existing medical condition exclusion waiver is included

Is This The Right Plan For You?

This plan is perfect for retirees no matter how old you are! The sky’s the limit with this insurance package. What’s more, you can include rental car collision coverage and adventure sports coverage as optional add-ons. Other customizable coverages are available.


  • Medical evacuation with hospital of choice
  • Missed connection benefit included
  • Fast online claims


  • Coverage and rates may vary depending on states
  • Pre-existing medical condition exclusion waiver included only if full trip cost is insured

If you’re looking for comprehensive travel insurance that includes the pre-existing medical condition exclusion waiver, you won’t go wrong with this plan.

Globehopper Senior Single-Trip (IMG)

Offering one of the best-priced travel insurance plans for those over 65, this product will have you covered for those unexpected medical bills. Additional benefits include coverage for those hiccups that happen when a trip is delayed or your luggage goes missing.

Key Features

  • Maximum medical limits up to $1,000,000 for 65–79 years old and $100,00 for age 80+
  • Deductibles from $0 to $2,500
  • Sudden recurrence of pre-existing medical condition covered up to $2,500
  • Emergency evacuation covered up to $250,000 (lifetime)
  • Trip interruption covered up to $5,000
  • Lost luggage covered up to $250

Is This The Right Plan For You?

If it’s medical coverage you’re looking for at affordable costs, this plan is yours to take. Terrorism, natural disasters and identity theft coverage are some of the other additional benefits included. For general peace of mind while you’re traveling, you can count on this plan.


  • This plan has been specifically designed with the senior in mind and their medical concerns
  • Access to global, multilingual customer service
  • Over 17,000 providers outside of the U.S.


  • Only provides coverage for U.S citizens traveling outside the U.S.

If you’re a senior who likes to travel the world, whether single-trip or multi-trip, these plans will have you covered when those medical emergencies crop up.

Liaison Travel Plus (Seven Corners)

Whether we like it or not, the way we travel has changed because of the coronavirus pandemic. As a senior, this matters even more if you’re suffering from any comorbidities listed as high risk. This plan is for travel outside of your home country.

Key Features

  • Medical maximum limits range from $50,000 to $5,000,000 (depending on age and if it includes/excludes the U.S.)
  • Deductible options range from $0 to $5,000
  • Coinsurance is covered 100% outside of the U.S.
  • Acute onset of pre-existing medical condition ages 65 years to 74 years old up to $5,000 (worldwide including U.S) and $10,000 (worldwide excluding U.S.)
  • Emergency evacuation up to $500,000 coverage
  • Loss of checked baggage covered up to $500
  • Travel interruption up to $5,000
  • Personal liability coverage up to $50,000
  • Coronavirus protection up to $100,000

Is This The Right Plan For You?

If you’re looking for coverage of up to 180 days while traveling, this plan could be your best pick. It includes coverage for dental and vision emergencies. Other additional benefits are included to make your trip less of a worry, leaving you free to focus on the fun.


  • 24/7 travel assistance services included
  • Coverage for mortal returns included
  • Local cremation or burial coverage included
  • Coverage for natural disaster events included


  • Pre-certification with 25% penalty required for traveling inside of the U.S.

If the coronavirus is your main concern when traveling, this plan will have you covered.

Deluxe Plan (Travel Guard)

It can be challenging to understand just what coverage your insurance plan offers you. This plan is not only comprehensive but it’s easy to use. At a glance on their website, you’ll get a full overview of all coverages included.

Key Features

  • Trip cancellation up to $150,000
  • Trip interruption covered up to $225,000
  • Unexpected trip changes caused by weather or common carrier covered up to $2,500
  • Trip delay covered up to $1,000
  • Baggage covered up to $2,500
  • Medical expenses covered up to $100,000
  • Emergency evacuation and repatriation of remains covered up to $1,000,000
  • Security evacuation covered to $100,000

Is This The Right Plan For You?

This plan allows you to travel knowing your medical and travel expenses are covered if issues crop up unexpectedly. Best of all, if the plan is purchased within 15 days of the initial trip payment, your pre-existing medical condition exclusion is waived.


  • 24/7 assistance service available before and during the trip
  • Includes family coverage for one child under the age of 17
  • Travel inconvenience benefits included
  • Additional medical coverage for any accidents incurred while flying or boarding an aircraft


  • Does not apply to NY residents
  • Only applicable for U.S. citizens
  • Not all enhancement options available online

If it’s the highest level of primary medical coverage you’re looking for, this plan has you covered for most unplanned eventualities.

One Trip Prime Plan (Allianz)

Here’s another plan to include your grandchildren when you’re traveling. This is one plan you’ll see on most senior travel insurance reviews too. Which must mean it gives most seniors peace of mind if they choose this one.

Key Features

  • Trip cancellation up to $100,000
  • Trip interruption up to $150,000
  • Emergency medical coverage up to $25,000
  • Emergency medical transportation up to $500,000
  • Baggage loss/damage covered up to $1,000
  • Baggage delay expenses up to $300
  • Travel delay up to $800
  • Inconvenience pay of $100/day
  • Change fee coverage of $500

Is This The Right Plan For You?

If your main concern is trip interruption or cancellation costs or exorbitant unexpected medical bills, then you’ll be safe on this plan. Pre-existing medical condition coverage is also available.


  • Kids 17 years and under are covered for free when traveling with you
  • Loyalty Program fees reimbursed
  • Concierge included for those restaurant and golf game bookings you don’t want to be bothered with
  • 24-hour hotline assistance service


  • Rental car damage coverage is not included but can be optional
  • Pre-existing medical condition exclusion waiver only for U.S. residents

This is another comprehensive plan that has you covered with some smart additional benefits.

Reviews Of Travel Insurance For Seniors

Every review has its own list of benefits, advice, and tips when looking to buy travel insurance. As a senior, the most important feature to look out for is the pre-existing medical condition exclusion waiver. For most people who’ve reached their golden years, living with a pre-existing medical condition is almost the norm!

Comprehensive medical coverage is vital for seniors venturing out on any form of travel. And to make your life simpler while on vacation, get covered for those mishaps such as baggage loss or flight delays.

Senior travel insurance reviews give you the opportunity to compare the plans available and to highlight the features you need to know about at a glance. Let them guide you in the right direction for the best travel insurance for seniors.

YouTube Live: Travel Advice For Retirees & Baby Boomers


Dealing with insurance matters can be intimidating. When it comes to your holiday, making sure you’re covered for any unfortunate scenario is vital. The last thing you want to do is place an unnecessary financial burden on your family. Put their minds at ease (and yours) when you take out the best travel insurance for seniors. You’ll be glad you did and so will your family!

Also remember that some countries require international health insurance for entry, so you may want to brush up on your insurance knowledge before traveling overseas.