Last Updated on December 20, 2024 by Lohanna Reis

Are you an elderly traveler with a trip planned? And are you perhaps in search of international travel insurance that covers seniors with pre-existing conditions? Then you’re in the right place! Just follow the list below to find out the top travel insurance policies for seniors 65 years of age and older.

 

 

 

Traveling is good for the soul, no matter who you are, your travel style, or even your age. It’s almost impossible to find someone who doesn’t like to travel, see new things, and breathe new airs. 

That said, there are some trip concerns we need to pay attention, especially for older travelers. As we get older and our health becomes more fragile and pre-existing conditions more common, the possibility of a health issue coming in and ruining your trip becomes much greater. 

That’s why today I’ve put together a list with the 7 best travel insurance companies for elderly travelers. Below, you’ll find a description of each of the companies including a table comparing them. 

 

Important update about travel insurance & coronavirus (COVID-19) 

Does travel insurance for seniors cover Coronavirus (COVID-19)? 

Everyone out there knows about the Coronavirus/COVID-19 pandemic. So if you’re planning to travel, you’re likely wondering whether or not your travel insurance will cover you if you catch the virus. 

You can find an article I wrote here covering the topic: Does Travel & International Insurance Cover Coronavirus (COVID-19)? 

In the case of the list you’ll find below, many of these travel insurance options for seniors DO cover Coronavirus. But I recommend you take a look at each company’s COVID-19 updates page to make sure your destination is covered before you buy your policy. 

 

Why get a senior travel insurance policy 

Truly, I’d recommend getting travel insurance for any international trip. And senior/65+ travelers are no exception! 

Here are 4 important reasons to get a policy: 

 

    1. Travel insurance is critical for any trip – especially for seniors who tend to be at higher risk for health issues (plus, it covers more than just healthcare!)   

Many people mistakenly mix up travel insurance with health insurance. Although they do share some commonalities, they aren’t the same thing. 

Yes, it’s true that travel insurance often covers health expenses that you may run into, but that’s not all it does. 

Travel insurance also covers costs incurred for things like late flights or lost baggage. The best way to think about it is as insurance that can give you overall peace of mind during your trip. 

 

    2. Healthcare costs in other countries can be very high 

In most places in the world, healthcare costs can be very expensive if you don’t have a basic health insurance plan. 

And naturally, this can be even more expensive for elderly travelers who need care. To give you an idea, if you need to be hospitalized in the United States, the average cost of a 3-day stay is around $30,000 USD!

In many European countries, the United Kingdom and Germany included, this amount isn’t much lower. 

So, getting a travel insurance plan as a senior traveler can give you peace of mind that you won’t have to deal with these costs if anything were to happen.

 

    3. Many destinations require you to have travel insurance to enter 

Another important reason to get a travel insurance policy is that you are required to have one to be let into the country, no matter how old you are. 

Some of the countries that have this requirement include Germany, Belgium, Spain, France, Greece, Hungary, Iceland, Cuba, Venezuela, Australia, and Switzerland. 

It’s worth pointing out that many of the countries that I mentioned above are part of the Schengen zone, an agreement between various European countries that include particular immigration rules, including obligatory travel insurance. 

Just keep in mind that the minimum insurance coverage to enter in the Schengen zone is 30,00 Euros, which is quite low for a policy. 

But regardless of whether or not travel insurance is a requirement to enter the country you’re traveling to, getting a policy is always a good idea. 

 

    4. Finding travel insurance that covers seniors is quite rare 

And lastly, there’s one important thing you should know: not ALL insurance companies have policies that cover elderly travelers as they believe the health costs and risks associated with them are too high. 

However, it is possible to find good travel insurance for senior travelers. But since they are harder to find, I think it’s extra important to take some time comparing the options. And that’s exactly what I’ll help you do right now! 

 

 

 

What are the best travel insurance companies for senior travelers? 

 And now, let’s get to the list of our top 4 best travel insurance options for senior travelers! 

Tip: I always recommend that you get a quick online quote for all of the options listed below. Believe me, you can save a lot of money just by doing efficient research.

 

    1. Tokio Marine

Tokio Marine HCC Medical Insurance Services is a group formed in 1998 in Indianapolis, United States. Currently, the company operates in more than 130 countries and offers many types of insurance policies. Some of these include: 

• Travel insurance for visitors to the United States 
• Travel insurance for students 
• Travel insurance for expats & immigrations
• Travel insurance for volunteer work 
• Travel insurance for adventure travel 
• Insurance for trip cancellation

 

When we talk about travel insurance companies that cover seniors, HCC is one of the best. Beyond offering coverage around the world, with options to include or exclude the United States, the insurance provider is one of the few out there that doesn’t have an age limit!   

However, the price of the policy does increase with the age of the traveler. 

That said, the prices for policies are still very reasonable. To give you an idea, the price for a 40-year-old traveler and a 75-year-old traveler will only vary by about 10%. 

Above 80 years of age, the policies began to get a little more expensive, which is quite common given the cost of healthcare for those in this age range. 

 

Pros of travel insurance for seniors from Tokio Marine: 

• There’s no age limit on their insurance policies (this is very hard to find!) 
• Their prices are very competitive and often the cheapest you’ll find 
• They have many different options for customer service (phone call, live chat, email, etc.) 

 

Cons of travel insurance for seniors from Tokio Marine: 

• Their website isn’t as easy to navigate as the others on the list, especially when it comes to finding the policies that cover seniors 
• To get a quote, you need to put in quite a bit of personal information 

 

 

    2. World Nomads

World Nomads is one of the most well-known and popular travel insurance companies out there. 

They do tend to have above-average prices. However, they also cover a number of other “adventurous activities” that most other companies won’t. Another unique feature is that you can buy your policy even after you’ve started your trip (great if you end up staying longer and need to extend part way through!). 

Most of their normal policies have an age limit of 70. 

However, if you’re a U.S. citizen or permanent resident, they have a special “Silver Nomads” policy, offered through a partnership with TripAssure, that covers senior travelers 70+.  

 

Pros of travel insurance for seniors from World Nomads:

• Ability to extend your policy and file a claim online 
• Covers most sports and adventure activities 
• Higher-than-average age limit of 70 (with no age limit if American) 

 

Cons of travel insurance for seniors from World Nomads: 

• A little more expensive than average 
• If not American, age limit of 70 for their policies 

 

 

    3. IMGlobal

IMGlobal is another well-known insurance provider for all kinds of policies around the world. 

With IMGlobal, you can get insurance policies for many types of travel including health insurance for international students, tourists of all ages, and even international insurance for expats and immigrants. 

Their website is very easy to use and you can find what you need with detailed filters. 

Like Tokio Marine, they do NOT have an age limit on many of their travel insurance policies (although there is a $100,000 coverage limit).   

If you’re above 65 and an American citizen or have a U.S. permanent residency, you also have the option of getting IMG’s special GlobeHopper Senior Plans for more senior-specific coverage.   

 

Pros of travel insurance for seniors from IMGlobal:

• Website that’s easy-to-use and navigate 
• Multilingual customer service (important if you’re buying a policy for a senior traveler who may be most comfortable in another language!)
• No age limit on their general plans
• Have a special “GlobeHopper” plan just for seniors 65+ (only available to U.S. citizens and permanent residents)  
• The company considers COVID-19 like any other illness and injury

 

Cons of travel insurance for seniors from IMGlobal:

• The price is a little above average when compared to most other travel insurance policies for seniors 
• To get a quote, you need to put in quite a bit of personal information  

 

 

    4. SafetyWing

Dreaming of international adventures during your golden years? SafetyWing’s Nomad Insurance Essential Plan is a budget-friendly, reliable travel insurance option designed to keep you protected wherever your journey takes you.

Why the Nomad Insurance Essential plan is perfect for Seniors:

• Medical Emergencies: Offers coverage for unexpected hospital stays, urgent care, and medical evacuation, so you’re prepared for the unexpected.
• Global Coverage: Perfect for exploring multiple destinations with seamless protection, no matter how many countries are on your itinerary.
• 24/7 Support: Access immediate assistance anytime, anywhere, ensuring peace of mind in any situation.
• Simple and Hassle-Free: Easy to sign up, manage your policy, and file claims using their intuitive platform.

 

Designed for Seniors on the Go:

• Comprehensive Medical Coverage: Tailored to handle travel-related health concerns, including those that seniors might face.
• Affordable Pricing: Essential coverage without unnecessary add-ons, keeping your costs manageable.
• Activity Coverage: Stay protected even if you’re enjoying light adventures or new experiences abroad.

 

What to Know About COVID-19 Coverage:

SafetyWing’s Nomad Insurance Essential Plan includes medical coverage for COVID-19-related expenses if you leave your home country within 10 days of a CDC Level 3 travel advisory. Beyond this period, medical costs tied to COVID-19 are not covered.

 

Key Considerations Before Signing Up:

• Premiums may be higher for destinations like the U.S. or Singapore due to elevated healthcare costs.
• Detailed pricing is accessible after logging in to their website.

 

For seniors 65 and older, the Nomad Insurance Essential Plan is the smart, straightforward choice. Whether you’re planning to visit loved ones, explore new cultures, or relax on a dream vacation, SafetyWing ensures you travel worry-free with essential protection tailored to your needs.

 

Comparative Table of the Best Travel Insurance Companies for Senior Travelers 65+ 

	Tokio Marine	IMGlobal	World Nomads	SafetyWing
Age limit	No age limit	No age limit	70 years for most nationalities, no age limit for Americans with “Silver Nomads 70+ Plan”	69 years
Has been operating for over 20 years	Yes	Yes	Yes	No
Allows quick quoting	Yes	Yes	Yes	No
Offers health insurance & travel insurance	No	No	Yes	Yes
Has special plans for seniors	No	Yes, but only for American citizens & residents (“Globehopper Senior” plans)	Yes, but only for American citizens & residents (“Silver Nomad 70+” plan)	No
Has live chat available on their website to help you choose a plan	Yes	Yes	No	Yes
Has 24/7 customer service	Yes	Yes	Yes	Yes

 

So, what’s the best travel insurance plan for senior travelers? 

After checking out the top 5 travel insurance companies for elderly travelers, you’ve probably come to some conclusions about which company may be best for you.

Below, I’ve ranked from worst to best which ones I personally believe to be the best choice for seniors, taking into account things like price, coverage, conditions, quality of services, and age limit for each. 

Of course, what is best for me may be different than what’s best for you. So I always recommend you spend some time getting a quote with each company to compare prices and see exactly what your coverage will be based on your age. 

Remember, spending a bit of time on research can save you a LOT of money down the line! 

 

    4. SafetyWing

Although SafetyWings may be in last place, this doesn’t mean they are a bad choice! Keep in mind that I’m talking about the top 5 travel insurance options for seniors here, so all of them are good options.  

However, what makes SafetyWings fall to the end of the list here is that they only cover individuals up to 69 years old, which limits many travelers.

That said, SafetyWings still stands out thanks to the ease of using their site and the customer service that’s consistently praised by customers.    

 

    3. IMGlobal 

Although IMGlobal may not have the best prices on the list, they get big points for being one of the few companies out there that DOESN’T have an age limit on their travel insurance policies (meaning it may be one of your only options if you’re above 70 years of age).

They also have multilingual customer service, which could be important if you’re buying a policy for an elderly relative or friend that may not speak English as their first language.  

 

    2. World Nomads

Although World Nomads doesn’t offer travel insurance for senior travelers above 70 unless you’re American, World Nomads still deserves recognition for being one of the most well-known and top-rated travel insurance providers out there. 

So if you’re under 70, they can be a really great option thanks to their ample coverage (often including many activities that other insurance providers won’t) and flexible policies.

 

    1. Tokio Marine    

Out of all the options above, my top choice for travel insurance for senior travelers would have to be Tokio Marine. 

Not only do they have great insurance options, but they also have some of the cheapest prices out there. Not to mention, they are one of few out there that don’t have age limits!

 

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Of course, the ranking above is my personal opinion, not a definitive rule. The only person who can know exactly which travel insurance plan is best for your particular situation is you. 

However, I hope the ranking above gives you a better idea of what each of these companies has to offer and has made your decision a bit easier.  

 

Alternative options to compare and search travel insurance for 65+ seniors

 

After reading all these options, are you still in doubt about the best travel insurance for people over 65? With that in mind we have brought up a few more options, but those from online travel insurance search aggregators.

These aggregators are great for researching and comparing different plans and companies. Just add your data, your destination, and the travel time you want to make and they will make a complete quote with several options for your choice.

 

    Travel Insurance

Travel Insurance is a great portal to compare and search for insurance, in addition to being super simple and intuitive, the entire quotation process is really fast.

When adding your information and what you are looking for in travel insurance, Travel Insurance will take into account past customer ratings and the price range of companies it will recommend to you.

One of the best things about Travel Insurance is that they have options for all customer profiles. In other words, it’s not a hindrance if you’re an elderly person, a practitioner of extreme sports, an immigrant, or a digital nomad. This portal will find the best plans on the market and compare them in a practical and fast way for you.

 

    AARDY

This is an option similar to Travel Insurance, AARDY is a travel insurance aggregator with the mission and objective of helping you choose the best insurance on the market for your profile.

This company primarily values ​​exceptional customer service. AARDY has one of the highest scores among US travel insurers. In addition to the online self-service options, it is also possible to contact a real broker by phone and email and resolve all your doubts before taking out insurance.

Another positive point of this company is that they carry out quotes quickly and without commitment. They compare the best options for you in a didactic way, which can help when taking out your insurance.

 

    InsureMyTrip

Finally, InsureMyTrip is a super practical insurance aggregator website. With it, it is possible to make quotes quickly and without the need to contact accountants or make long registrations.

InsureMyTrip’s biggest differential is, without a doubt, its strict evaluation policy. If an insurer has a negative assessment, it will be removed from the recommendations for new clients. With that, this portal guarantees a reliable product.

Despite being a great aggregator option, InsureMyTrip does not offer insurance for expatriates and digital nomads. If that’s your case, check out my article with the 7 Cheapest International Health Insurance Plans for Immigrants & Expats or 7 Best Global Health Insurance Companies for Digital Nomads. I believe they will be able to help you!

 

In conclusion…

I always recommend that EVERYONE planning a trip overseas gets a travel insurance plan, no matter their age or their destination. 

Because honestly, traveling with the knowledge that you’ll be covered if you run into any problems is priceless. Whether health concern, lost luggage, delayed flight, or just about anything else. 

So with that in mind…grab your travel insurance plan, and enjoy your trip! 

Do you have any final questions about getting travel insurance for seniors? Or about any of the companies above? Or about travel in general?

Let me know in the comments area below and I’ll get back to you!

 

Planning your next trip?

Then don’t forget travel insurance! You don’t want to get stuck paying a ton of money and ruining your trip if you get sick or have an accident without travel insurance. Our page with The 3 Best and Cheapest Travel Insurance on the Market can help you choose the right plan and will give you some discount coupons for the biggest insurance companies!

 

 Already reserved your hotel or hostel? If not, our article with The 6 Best and Cheapest Websites to Find & Reserve Accommodation can help you out. You’ll also find some promotions and discount codes.

 

 Still haven’t booked your plane ticket and want to save big? Take a look at our page with 16 Tips to Save on Flights where you’ll also find the 4 best websites to buy your plane tickets. 

 

And finally, will you need to rent a car during your trip? Then surely our page with The 5 Best and Cheapest Websites to Compare and Rent Cars Around the World will help you choose the best rental car and find a good deal.