Best Travel Insurance for Seniors – Plans & Cost

Travel protection for elderly individuals is absolutely essential if you’re taking any trips as a senior citizen. After all, you’re likely planning more worldwide adventures now more than ever as you have the financial means and free time available. Whether you’ll be traveling with an organized tour group, going on a cruise, or embarking on a solo experience, you still need to guarantee that you’re covered by senior travel coverage when you go abroad.

Securing coverage for pre-existing health issues is particularly significant at this stage of life. If you have any kind of longstanding medical condition, be certain to purchase travel insurance for pre-existing conditions because unfortunately not every travel insurance provides this type of protection.

Luckily, however, all four of the best insurance plans for seniors I’ll be discussing below feature pre-existing condition coverage. I’ll also explain what`s covered and age limits, deductibles, and extra features, like cruise coverage, so you can pick the travel insurance for seniors that best fits your needs and budget.

Best travel insurance companies for seniors

In summary, these companies offer the most suitable senior travel insurance plans:

1. Trawick International insurance plans for seniors
2. IMG, an affordable travel medical insurance for seniors
3. AIG Travel Guard, an adequate basic travel insurance plan for seniors
4. Global Journeys, an advantageous travel plan for seniors

How much does travel insurance cost for seniors?

The cost of senior travel insurance is based on a range of factors, covering your age, nationality, and place. The length and expense of your trip will too affect your senior travel insurance price.

Moreover, each insurance provider that offers travel coverage for seniors determines pricing differently, so some may be inherently more costly than others. I’ve used the example of a 70-year-old American from Pennsylvania who is going to Mexico for a week and whose trip costs $2,500 in order to generate quotes.

*option to select maximum coverage amounts and this offers the highest choice with a $0 deductible

** expense used for example

1. Trawick International, the best travel insurance for seniors

If you want senior travel insurance with quality protection for a relatively affordable price, look no even further than Trawick International. Out of all the plans I reviewed, Trawick’s Safe Travels First Class plan offers the highest amount of coverage in all categories. Even better, it also includes cruise protection and pre-existing condition coverage (as long as the plan is bought within 14 days of your initial trip deposit).

Additional advantages of this particular travel protection for elderly individuals include coverage for COVID-19 cases and a $0 deductible for medical expenses. You can even add protection known as cancelation due to any cause coverage if you wish to be able to cancel your trip for any motive that would otherwise not be protected by your insurance.

With an upper age limit of 100 for client coverage, the Safe Travels First Class plan is suitable for virtually any senior citizen interested in foreign travel insurance for elderly individuals. However, if saving a small amount of money is preferable, IMG may be a better option particularly if only travel medical insurance for seniors is needed.

2. IMG, an inexpensive travel medical insurance for seniors

Another highly rated travel insurance for seniors is IMG’s GlobeHopper Senior Single-Trip plan. This affordable travel medical coverage for seniors gives you the flexibility to select your deductible amount and maximum coverage level, allowing you to customize the plan to fit your needs and budget.

Seniors of any age on this insurance program can opt for deductible amounts including $0, $100, $250, $500, $1,000, or $2,500. Those between 65 and 79 years old can choose maximum coverage limits of $50,000, $100,000, $500,000, or $1,000,000, while seniors over 80 can only pick between $50,000 and $100,000 worth of protection. Generally, picking a higher deductible will make the cost of your senior travel insurance more affordable, whereas choosing a higher coverage amount will increase the expense of the travel insurance.

Keep in mind that certain amounts of coverage automatically include a deductible (for example, with $1,000,000 worth of protection, you must contribute at least $250). Additionally, you can only opt for a $0 deductible for plans with $50,000 or $100,000 worth of coverage.

Beyond offering adaptable deductible and coverage choices, the GlobeHopper Senior Single-Trip plan also provides cruise, COVID-19, and pre-existing condition coverage. However, as this plan is travel medical protection, trip cancellation protection is not covered. This isn’t an issue if you simply need travel healthcare, but if you would prefer the added security of knowing you can get reimbursed for canceling your trip, opt for Trawick’s senior travel insurance.

3. AIG Travel Guard, a good basic travel insurance for seniors

AIG Travel Guard’s Essential plan proves ideal for any retiree searching for dependable travel coverage for seniors over 65. This plan not only offers decent amounts of protection across all classes, but it also highlights a $0 deductible for medical costs.

Moreover, the Essential plan covers COVID-19, pre-existing conditions, and cruise trips. Best of all, travelers of any age can obtain this plan, since customers aged one hundred and over are protected.

Even with all of these advantages, you can indeed get senior travel insurance with higher levels of coverage at a more affordable price through Trawick. Therefore, I would only advise purchasing travel insurance for seniors from AIG if you are over 100 years old since Trawick only covers clients up to age 100.

4. World Trips, a great travel insurance for the elderly

If you are searching for additional beach tourism, the Albanian Riviera, with its exquisite Ionian Sea shores, is the best choice. My proposition is to initiate your experience in Berat and then spend a few days enjoying this coastal paradise, particularly in Sarandë. From Sarandë, you can undertake an excursion to the Butrint Archaeological Park, frequently referred to as the “Pompeii of Albania.”

Additionally, the program also offers cruise protection and coverage for pre-existing medical conditions as long as the plan is purchased within 21 days of your initial trip payment. Even better, travelers of any age can procure this senior travel insurance plan.

However, World Trips’ Atlas Journey Economy plan is the most costly of the four I evaluated, so if you want to save money and get even better medical expense protection, Trawick and IMG are superior alternatives.

What is the best travel insurance for seniors?

Ultimately, the best travel protection for seniors is the plan that fits your needs, budget, and travel itinerary. Generally, however, Trawick International offers the best all-around senior travel insurance plan, since it provides good value for money while still being affordable.

On the other hand, if affordable coverage for seniors` medical needs during travel is desired, IMG represents the most cost-effective choice. Regardless of the plan, it`s recommended to obtain some form of protection for seniors` healthcare before embarking. As is evident from arguments that insurance is usually worthwhile, covering medical costs overseas prevents potentially heavy expenses.

Appreciate your world trips!