Best Travel Insurance for
"US Seniors"
Best for comprehensive comparison of senior travel insurance plans
Best for simple comparison and excellent customer reviews
Note: Top insurers like Allianz and Travel Guard may not always be listed on comparison sites.
For personalized senior coverage, consider working with a licensed travel insurance broker.
Never choose on price alone. The cheapest policy may have restrictive conditions that could leave you unprotected in an emergency.
Best travel insurance providers for US seniors
Leading provider with excellent senior coverage. Strong financial backing (AM Best A+). Robust medical and evacuation benefits.
AIG-backed provider with excellent pre-existing condition waivers. Comprehensive medical benefits and emergency support.
Medical travel insurance specialist. Global healthcare network with direct payment to hospitals worldwide.
Affordable coverage designed for Medicare beneficiaries. Solid medical coverage and competitive pricing.
Specialized coverage for older seniors. Generous age limits with comprehensive medical protection.
Affordable protection with straightforward medical questionnaires. Competitive pricing and solid coverage.
Avoid claim denials! Download our comprehensive checklist of critical questions you must answer correctly when applying for senior travel insurance.
Incomplete or incorrect answers on your insurance application are the top reason senior travel insurance claims get denied. Our comprehensive checklist ensures you provide accurate information.
Do you have any pre-existing medical conditions?
Heart disease, diabetes, COPD, arthritis...
What medications are you currently taking?
List ALL prescriptions with dosages
Do you use mobility aids?
Cane, walker, wheelchair, balance issues
Do you want CFAR coverage?
Cancel for ANY reason - 50-75% refund
FREE
100%
Insurance companies WILL verify your answers
Seniors face extra scrutiny. Use this checklist to avoid $50,000+ claim denials.
Your condition must be stable (no changes in medication or treatment) for 60-180 days before travel. Be honest on medical questionnaires.
Aim for at least $250,000 in emergency medical coverage for international travel.
If you travel 3+ times per year, an annual plan may save money. Age limits typically apply (usually 70-75).
This is the most critical policy wording. You must understand the required stable period (e.g., 60, 90, 180 days) for each of your pre-existing conditions. "Stable" usually means:
Do not buy from the first company you see. Get detailed, written quotes from at least 3-4 of the companies above (e.g., Allianz, Travel Guard, GeoBlue, John Hancock). Compare the stability clauses and pre-existing condition waivers side-by-side.
Withhold nothing. Declare every condition, medication, and doctor's visit. An undisclosed condition related to a claim will lead to denial.
For expensive, non-refundable trips, this rider (usually adding 40-50% to the trip cancellation cost) provides ultimate flexibility if you need to cancel for a reason not listed in the standard policy. Must typically be purchased within 10-21 days of initial trip deposit.
Start your search with Allianz and Travel Guard to set your benchmarks, then compare with GeoBlue and John Hancock. Use comparison sites like Squaremouth or InsureMyTrip to see multiple quotes side-by-side for your specific health profile and travel plans.
For seniors 65-75: Allianz and Travel Guard offer excellent comprehensive plans with pre-existing condition waivers and high medical limits. Compare plans on Squaremouth or InsureMyTrip.
For seniors 70-80+: John Hancock specializes in coverage for older travelers with competitive rates. If you have pre-existing conditions, Travel Guard offers some of the best coverage options with generous waivers.
For Medicare travelers: Travelex provides affordable plans that supplement Medicare for international travel where Medicare doesn't provide coverage.
Seniors should seek at least $250,000 in emergency medical coverage and $500,000+ in medical evacuation for international travel. These limits are higher than younger travelers need due to increased health risks.
Medicare typically doesn't cover healthcare outside the US. Medical costs abroad can be extremely expensive—a hospital stay in Europe or Asia can cost $10,000-$50,000+. Medical evacuation from remote locations can exceed $150,000. Always prioritize comprehensive medical coverage when traveling internationally as a senior.
Most senior travel insurance policies offer pre-existing condition waivers if you purchase within 10-21 days of your initial trip deposit. This is critical for seniors, as many have chronic conditions like diabetes, heart disease, or high blood pressure.
To qualify: (1) purchase insurance within 10-21 days of your first trip payment, (2) insure 100% of prepaid, non-refundable costs, and (3) be medically stable during the "look-back period" (usually 60-180 days). Travel Guard and Allianz offer some of the best pre-existing condition coverage for seniors.
Important: Always disclose all medical conditions and medications. Review the policy's definition of "stable" carefully—some providers are more lenient than others.
No, Medicare provides very limited or no coverage outside the United States. This is one of the most important reasons for seniors to purchase travel insurance.
Medicare Part A and Part B generally don't cover healthcare services when traveling outside the US. Some Medicare Advantage plans offer limited foreign travel emergency coverage, but it's usually inadequate. Medigap (Medicare Supplement) Plans C, D, F, G, M, and N provide some foreign travel emergency coverage, but only up to $50,000 lifetime maximum after a $250 deductible—not enough for serious medical emergencies abroad.
Solution: Purchase a comprehensive senior travel insurance policy from providers like Travelex, Allianz, or Travel Guard to supplement Medicare when traveling internationally.
Yes, most providers have age limits, typically ranging from 80-90 years old. Some providers stop offering comprehensive coverage at age 80, while others extend to 85 or 90.
Age 65-75: Most providers offer full coverage with standard premiums increasing gradually. Allianz, Travel Guard, and John Hancock all provide excellent options.
Age 75-80: Premiums increase significantly. John Hancock specializes in this age range with competitive rates. Some providers may require medical questionnaires.
Age 80+: Coverage becomes more limited and expensive. Some providers may cap medical limits or exclude certain benefits. Always compare multiple providers and read policy terms carefully.
Senior travel insurance typically costs 8-15% of your total trip cost for travelers 65-75, and 15-20%+ for travelers 75 and older. This is significantly higher than younger travelers due to increased health risks.
Cost factors: Your age, trip cost, trip length, destination, medical coverage limits, and pre-existing conditions all affect pricing. For example, a $5,000 two-week international trip might cost $400-$750 to insure for a 70-year-old, or $750-$1,000+ for an 80-year-old.
Senior tip: Annual multi-trip plans can save money if you travel frequently (3+ trips per year). Always compare quotes from Squaremouth or InsureMyTrip to find the best value for your specific situation.