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Seniors can find affordable travel insurance by searching early, getting multiple quotes and supplementing protection with Medicare coverage.
Best Travel Insurance For Seniors Over 70
Many seniors find themselves eager to travel the world after retirement, finally having the funds and time to take it for themselves. Seniors planning a trip abroad may be interested in purchasing a senior travel insurance plan to protect their investment.
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The best travel insurance for seniors complements Medicare coverage and provides affordable inclusions similar to those found on travel insurance plans for younger adventurers. However, travel insurance plans for seniors can be more expensive due to increased risks and higher cost medical expenses.
We at the Guides Home Team have researched dozens of top travel insurance companies to identify the best in the industry. Find the best senior travel insurance companies and policies with our guide below.
Unless otherwise stated, quotes listed in the cost sections were collected directly from each company’s website and are for an eight-day trip in November. The total cost of the trip was $5,000, and the residence of the traveler was in Montgomery, Ala.
Berkshire Hathaway caters to senior luxury travelers as it offers a LuxuryCare plan with extended cancellation coverage. This plan covers more reasons for trip cancellation than any other Berkshire Hathaway plan and those of other insurers as well. This plan offers the cancellation for any reason (CFAR) upgrade and covers almost any medical reason that suddenly pops up in your life and would cause you to cancel your expensive trip.
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The LuxuryCare plan offers comprehensive travel insurance coverage with trip interruption and cancellation limits of up to $100,000 per traveler. Multiple coverage options are available, and the company offers policies for adventure enthusiasts and luxury globetrotters.
Pros 24/7 emergency travel assistance and concierge services Claims paid up to five times faster than other insurers Coverage limits up to $100,000 per person
Cons Baggage delay coverage begins 12 hours after delay Plan does not cover non-medical evacuation or repatriation of remains
According to Berkshire Hathaway’s plan descriptions, the cost for the LuxuryCare plan ranges from 5% to 10% of your total travel cost.
Geoblue Travel Insurance
Nationwide is well known for insurance in the United States, but many people don’t know that they offer affordable travel insurance specifically for cruises.
Nationwide offers three different cruise insurance plans: universal, choice and luxury. His cruise insurance policy includes coverage for features unique to cruise vacations, such as mechanical problems with the ship, pre-paid excursions missed due to the tour operator, and onboard disruptions for services you’ve already paid for.
The primary differences between Nationwide’s three cruise travel plans include varying medical and travel expense coverage levels. The cost of medical evacuation coverage, as well as sickness-and-accident coverage, is lower than many of the other travel insurance options out there. However, they still go up to $1 million for medevac and $150,000 each in both accident and sickness coverage.
Benefits Affordable plans for seasoned and new cruise goers Three levels of cruise plan coverage available Trip interruption coverage available up to 200% of the trip cost
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Cons Baggage delay coverage not available until after a 12-hour delay Higher prices on some cruise plans for seniors
A 67-year-old traveler insuring a $5,000 cruise can expect to pay between $406 and $498 for coverage, depending on their inclusions and plan level. A 74-year-old traveler can expect to pay between $510 and $698 for the same coverage.
Generali Global Assistance is our favorite travel insurance company for emergency assistance. Their team can help connect you with medical services, translation, help you replace medicines, emergency cash transfers and even find replacement glasses at any hour.
Each of their plans offers significant medical evacuation and care on a per person basis. Emergency medical coverage starts at $50,000 and goes up to $250,000 on Generali’s Premium plan. Medical evacuation ranges from $250,000 to $1 million per person. This is an excellent travel insurance option if you are going somewhere where you think medical coverage is likely to be needed or if you need peace of mind for your domestic or international trip. Remember that only the Premium plan includes the pre-existing condition waiver; Standard and Preferred plans do not.
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Generali’s 24/7 customer assistance is also ideal for seniors traveling internationally, as Generali is one of the best travel insurance companies in terms of customer service responsiveness and specialization.
Pros 24/7 travel assistance hotline and emergency assistance Higher than average medical coverage Premium plan includes $2,000 per person baggage loss coverage
Cons Must purchase CFAR add-on within 24 hours of initial policy purchase No pre-existing condition waiver on two out of three plans
A 67-year-old traveler spending a week in Japan with a total travel cost of $5,000 can expect to pay $360.37 for Premium level coverage. A 75-year-old traveler can expect to pay $518 for the same international travel coverage.
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As we age, we can’t afford to take chances on our health, so AXA’s Platinum Plan is excellent for the experienced traveler looking for leisure cover and international health insurance. Unlike many travel insurance plans, AXA’s Platinum Plan covers up to $1 million in emergency medical evacuation and repatriation costs. It also includes $250,000 in coverage for emergency medical expenses arising from an illness or accidental injury abroad.
The Platinum Plan includes trip interruption cover, which is all inclusive of special events such as concert tickets, tee times and unused sporting appointments. It also offers trip cancellation protection (if you cancel, your travel partner cancels, or your flight is cancelled) with full reimbursement with the Platinum Plan. Finally, AXA has a CFAR add-on allowance for up to 75% of your travel costs, which extends coverage to a wider range of circumstances.
Pros CFAR upgrade available Lost baggage coverage of $3,000 per person Trip interruption reimbursement of 150% of trip cost
Disadvantages Delays and baggage coverage starts after 12 hours of delay. Medical travel insurance does not cover dental accidents
Best ‘cancel For Any Reason’ Travel Insurance Plans
AXA offers plans that refund you 100% on your trip if it is interrupted or canceled due to COVID-19. If you get COVID before your departure date, you can also get a full refund on your trip if that is included in your plan’s coverage. They also offer the following add-on cover on any travel insurance policy.
A 67-year-old traveler spending a week in Japan with a total travel cost of $5,000 can expect to pay $506 for platinum-level coverage. A 75-year-old traveler can expect to pay $627 for the same international travel coverage.
Seven Corners’ Wander Frequent Traveler Plus plan is like no other for those – from 14 days to 74 years – who travel frequently within the United States and internationally. This travel insurance covers you for an entire year, which can be ideal for seniors who explore the world without a strict schedule.
The COVID-19 treatment plan included in the Wander plan covers up to $50,000 in COVID-related medical bills for those 65 to 74 years old. You can also easily add coverage for travel within the US with one click.
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The Wander Frequent Traveler Plus annual plan offers comprehensive emergency medical coverage, with benefits for dental accidents, emergency eye exams, a $200 per day emergency medical reunion fee, and multi-million dollar medical evacuation and repatriation coverage separate from the medical maximum. This plan even includes $10,000 for political evacuation and repatriation coverage.
Pros 24/7 travel assistance services Affordable long-term Wander Frequent Traveler Plus plan Wander plan covers acute onset of pre-existing conditions
Disadvantages You must be under the age of 75 to purchase the Wander plan. You must maintain continuous medical insurance in the United States
The Wander Frequent Traveler Plus plan is an annual package for multi-trip coverage. A 64-year-old and 74-year-old traveler can expect to pay about $400 annually for coverage under this plan. However, the cover is not renewable after age 75.
Img Patriot Platinum
HTH Travel Insurance is our top company for group travel options. As long as you are traveling as a group of five people or more, you qualify for group travel insurance rates up to 10% lower than other travel insurance plans.
Group travel insurance plans are a great idea because the more people you have, the more variables you add to your trip and things that can go wrong before or during. You can also protect your policy with up to 200% of the cost in the event of trip interruption, which can be ideal for groups leaving together.
With HTH’s group plan, medical limit choices range from $50,000 to $1 million per person. It also covers 100% of the cost of prescription drugs you may need on your trip and $500 of dental care per person. These benefits all require that the persons in your party have US health insurance. The plan is still available if you do not have primary health insurance; the benefits are just much lower coverage amounts.
Pros 24/7 travel assistance services $500,000 medevac coverage Mental health is treated like any other medical condition under
