Our desire to explore the world doesn’t fade as we age; in fact, older adults are currently the largest demographic of travelers. They also tend to spend more on travel than any other age group, using their retirement years to see new places and make lasting memories.
However, traveling in later life does come with increased risks, both concerning health and finances. Fortunately, older people can protect themselves from potential travel mishaps. Travel Insurance For Older People offers a wide range of protections against travel disruptions, including medical emergencies, canceled trips, and lost luggage.
Squaremouth’s analysis of data from thousands of senior travelers provides insights into the most popular travel insurance providers and plans in 2025, helping older people find the best coverage for their needs.
Understanding Travel Insurance for Older People
Travel insurance for older people refers to insurance policies specifically designed to meet the needs and concerns of older travelers, typically those aged 65 and above. These policies offer tailored coverage and benefits addressing the unique risks faced by seniors while traveling, giving them peace of mind as they explore new destinations.
A key feature of travel insurance for older people is often enhanced coverage for pre-existing medical conditions. This is particularly important for older travelers who are more likely to have underlying health issues. The best travel insurance plans for older people also include substantial coverage limits for medical expenses and emergency medical evacuations, ensuring they are protected for the duration of their trips.
Top Travel Insurance Choices for Older People in 2025
When it comes to protecting their trips, older people have a wide array of travel insurance options available. Squaremouth’s data reveals the most favored providers among this demographic.
Best Overall Travel Insurance for Older People
Seven Corners
- Recognized as one of the ‘Best Travel Insurance Companies’ by Forbes.
- Offers a variety of optional add-ons, including Cancel For Any Reason (CFAR) coverage.
- Provides specialized travel insurance plans for cruise vacations.
Seven Corners is a popular choice for older travelers due to their comprehensive policies that address key concerns such as medical expenses abroad and unexpected trip cancellations. Plans like their widely chosen Trip Protection Choice offer coverage for pre-existing medical conditions and optional add-ons like CFAR and Rental Car Damage protection.
Tin Leg
- Rated ‘Top Overall Travel Insurance Company’ on Squaremouth.
- Offers up to $500,000 in Emergency Medical coverage.
- Known for award-winning customer service and efficient claim processing.
Tin Leg is a leading travel insurance provider trusted by travelers of all ages. Their policies are developed using industry-leading data and insights to meet the evolving needs of today’s travelers. The Tin Leg Gold plan is currently the most popular on Squaremouth, providing generous coverage limits for crucial benefits like Emergency Medical and Medical Evacuation & Repatriation.
Generali Global Assistance
- Provides Emergency Medical coverage starting at $50,000 per traveler.
- Offers up to $2,000 in Baggage Loss protection.
- Includes Concierge Services with every policy.
Generali Global Assistance is a major and well-known travel insurance provider. They offer three main comprehensive policies: Standard, Preferred, and Premium, each providing different levels of coverage for common travel disruptions. Many travelers are drawn to Generali Global Assistance because of their strong reputation and competitive pricing. All plans also include valuable AD&D coverage at no extra cost.
Most Affordable Travel Insurance for Older People
Berkshire Hathaway Travel Protection
- Average premium for older travelers: $215.87.
- Recognized as ‘Best Overall Travel Insurance Company’ by NerdWallet.
- Globally recognized and reputable insurance brand.
Berkshire Hathaway Travel Insurance is part of one of the world’s largest and most respected insurance groups. Their ExactCare and LuxuryCare product lines offer affordable trip protection for older people, whether they need travel medical insurance or comprehensive coverage. Additionally, all of their policies include AD&D protection for added security against travel accidents.
GeoBlue
- Average premium for older travelers: $221.90.
- Ranked as ‘Most Affordable International Travel Insurance Company’ in 2025.
- Highest rated travel insurance provider on Squaremouth based on customer reviews.
GeoBlue specializes in providing affordable travel medical insurance for older people traveling both domestically and internationally. This provider is known for its low premiums and high customer satisfaction, making it an excellent choice for travelers seeking reliable medical coverage that fits their budget and health needs. GeoBlue also offers one of the best Free Look Periods on Squaremouth, allowing travelers to cancel their policy for a full refund up to the day before their departure.
Detour Insurance
- Average premium for older travelers: $226.59.
- Offers extensive coverage for adventure sports including hiking, skiing, and scuba diving.
- Provides generous Baggage Delay and Baggage Loss coverage.
Detour Insurance is an innovative company primarily focused on the needs of adventure travelers. However, their @the edge and @the edge plus plans offer coverage limits and price points that are attractive to a broad range of travelers, including older people. For example, both plans include up to $1,000,000 in Medical Evacuation coverage, $2,000 for significant travel delays, and $3,000 Baggage Loss protection as standard benefits.
Best Medical Travel Insurance for Older People
Seven Corners
- Named ‘Best Value for Robust Coverage’ by Forbes.
- Emergency Medical coverage starts at $50,000.
- Offers up to $20,000 in Non-Medical Evacuation coverage.
Seven Corners is the most popular provider among older people for travel medical insurance. All of their plans meet Squaremouth’s standards for international health insurance. Most plans also provide financial protection for Non-Medical evacuations and extend medical coverage for pre-existing conditions to eligible travelers.
Berkshire Hathaway Travel Protection
- Recognized as ‘Best Value Pre-Existing Condition Coverage’ by Squaremouth.
- All policies hold an AM Best Rating of A++.
- No plans require a medical deductible to be met.
Berkshire Hathaway Travel Protection is not only one of the most affordable travel insurance companies for older people this year but also a top choice for senior travel medical insurance. They offer several affordable options, such as their ExactCare Value and ExactCare Lite policies, which provide solid medical coverage without being overly expensive. The absence of a medical deductible and a generous 15-day Free Look Period are also appreciated by customers.
Trawick International
- Medical Evacuation coverage starts at $200,000 per person.
- Offers up to $250,000 in Primary Emergency Medical coverage.
- Features an extensive worldwide healthcare network.
Trawick International plans are consistently popular travel insurance options for globetrotters of all ages. They offer both comprehensive and travel medical plans designed to address the most common concerns of older travelers. Trawick International’s Safe Travels Voyager plan is their most robust option, offering up to $1,000,000 in Medical Evacuation coverage and $250,000 in Emergency Medical protection.
Best Cruise Insurance for Older People
Seven Corners
- Offers a dedicated cruise-specific travel insurance plan.
- Provides up to $1,500 in Missed Connection coverage if a cruise departure is missed.
- Coverage available for cruise excursions like snorkeling and scuba diving.
Seven Corners understands the unique challenges faced by cruisers and that standard travel insurance may not always be sufficient for ocean voyages. They are among the few providers on Squaremouth to offer a policy specifically for cruise travel. Their Cruise policy includes essential benefits like Trip Cancellation, Trip Interruption, substantial evacuation coverage, and a variety of optional policy upgrades.
Tin Leg
- Named ‘Best Adventure Travel Insurance Company’ by Squaremouth.
- Medical Evacuation coverage starts at $100,000.
- Identity Theft coverage included in select plans.
Tin Leg provides excellent coverage for adventures, whether on land or sea, making it a great option for cruise travel. Their plans cover over 400 adventure sports and activities and offer robust coverage for any cruise vacation. Many cruise travelers choose Tin Leg Gold for its generous coverage for unexpected medical expenses, evacuations, and cancellations. Additionally, every Tin Leg policy can be extended for up to 7 days if you are unable to return home at the end of your cruise due to medical reasons.
IMG
- Offers a wide range of policy options to suit different budgets and travel itineraries.
- Provides up to $2,000,000 in Medical Evacuation coverage.
- Popular among older people traveling with pre-existing medical conditions.
IMG is a respected travel insurance provider with over 30 years of experience serving travelers worldwide. They offer a variety of comprehensive plans that prioritize the needs of international travelers, including cruise passengers. IMG’s Patriot International Platinum policy offers some of the strongest protection for medical expenses and evacuations, along with $25,000 in coverage for non-medical evacuations, providing crucial support for cruisers needing emergency transportation while traveling.
Best Travel Insurance for Older People with Pre-Existing Conditions
IMG
- Pre-existing Condition coverage available with most plans.
- Offers up to $2,000,000 in Pre-Ex coverage.
- 24 Hour Emergency Assistance Services available with every plan.
Older people with pre-existing medical conditions have numerous coverage options with IMG. IMG not only provides a wide selection of plans on Squaremouth but also offers some of the highest Pre-Existing Condition coverage limits. Travelers also benefit from IMG’s excellent customer support for emergency assistance before or during their trips.
Tin Leg
- Variety of plans that offer pre-existing condition waivers.
- All policies hold an “Excellent” rating from AM Best.
- Insurer behind the top-selling policy on Squaremouth (Gold).
Tin Leg policies are consistently popular among older people, especially those needing pre-existing medical condition protection. Select plans offer up to $500,000 in Emergency Medical coverage, which is substantial for most international and domestic travelers. Another appealing feature for customers is that no Tin Leg plans require a medical deductible to be met to receive coverage.
Trawick International
- Pre-existing Condition coverage available with most plans.
- Recognized as a ‘Best Travel Insurance Company” by Forbes.
- Multiple plans offering up to $1,000,000 in Med Evac coverage.
Trawick International has been providing travel protection for over 25 years. Their policies are designed to serve a diverse customer base, including tourists, business travelers, older people, and large groups. While known for comprehensive coverage, Trawick International’s travel medical plans are consistently favored by globetrotters seeking health insurance that covers pre-existing conditions.
How Much Does Travel Insurance Cost for Older People?
Typically, comprehensive travel insurance premiums range from 5-10% of a traveler’s total trip cost. Based on this, older people can expect to pay approximately $400-$450 for comprehensive coverage for international trips.
The price of travel insurance is influenced by several factors, including the traveler’s age, destination, trip duration, and coverage levels. Policy add-ons and upgrades can also increase the overall cost of a travel insurance plan.
Frequent travelers might find an annual travel insurance plan, also known as multi-trip insurance, beneficial. These plans offer many of the standard travel insurance benefits but cover travel for a 12-month period, regardless of the number of trips taken. Annual policies are often cost-effective for travelers who plan to take at least three international trips within a year.
Is Travel Insurance for Older People Worth It?
Yes, travel insurance is highly recommended for older travelers, especially those who are U.S. residents traveling internationally. This is primarily because most domestic health insurance policies, including Medicare, generally do not provide medical coverage outside the U.S.
The cost of travel insurance is often minimal compared to the potentially high expenses of receiving medical treatment abroad or having to cancel a trip unexpectedly.
All major travel insurance companies offer 24/7 emergency assistance services. This provides older travelers with valuable peace of mind and crucial support if unforeseen issues arise during their trip.
When Should Older People Purchase Travel Insurance?
Like any age group, older people should purchase travel insurance as soon as possible, particularly if they have concerns about potential trip cancellations. This is especially important for those who want to include time-sensitive benefits in their coverage, such as Pre-Existing Condition waivers and Cancel For Any Reason coverage.
Purchasing travel insurance early also maximizes protection in case of medical emergencies, natural disasters, or other covered events that might occur before the trip begins.
How Much Travel Medical Insurance is Recommended for Older People?
Medical coverage limits can vary significantly between different plans. Given the importance of medical coverage for older travelers, it’s essential to carefully consider coverage limits when comparing policies.
For older travelers, it’s generally recommended to have at least $100,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. This level of coverage typically provides adequate medical protection for most trips. It’s important to remember that exclusions, deductibles, and eligibility requirements may apply.
Does Medicare Cover International Trips?
No, Medicare and most other domestic healthcare plans typically do not cover medical expenses incurred outside of the United States. This is a primary reason why many older people choose travel insurance to cover potential overseas medical bills.
However, Medicare may cover medical emergencies that occur within the U.S. or in U.S. territories such as Puerto Rico, Guam, and the U.S. Virgin Islands. Limited coverage may also be available for seniors traveling to Canada. Detailed information can be found in your healthcare policy documentation.
Is There an Age Limit on Travel Insurance?
Generally, travel insurance providers offer coverage to travelers of all ages. Providers that do have age restrictions will usually specify these in their policy details, if applicable. For example, a provider might state in their Certificate of Insurance that they do not cover individuals over 100 years old. However, the vast majority of older people should be able to find suitable travel insurance coverage regardless of their age.
What Benefits Does the Best Travel Insurance for Older People Include?
Nearly 40% of all travelers insured through Squaremouth are older adults. This statistic highlights the significant value of travel protection for those traveling in their later years. Older people seeking the best coverage for their upcoming trips should consider policies that include the following key benefits:
- Trip Cancellation: Reimburses prepaid, non-refundable trip costs if you have to cancel your trip for a covered reason, such as illness or injury.
- Trip Interruption: Provides reimbursement for unused, prepaid trip costs and additional transportation expenses if your trip is interrupted due to a covered reason.
- Emergency Medical Coverage: Covers medical expenses for illnesses or injuries that occur during your trip.
- Emergency Medical Evacuation: Arranges and pays for transportation to the nearest adequate medical facility and potentially back home if medically necessary.
- Baggage Loss/Delay: Compensates for lost, stolen, or damaged baggage, and may reimburse for essential purchases if your baggage is delayed.
- 24/7 Emergency Assistance: Provides access to support services for medical and travel-related emergencies at any time, from anywhere in the world.
- Pre-Existing Condition Coverage: Offers coverage for medical issues related to pre-existing conditions, often if the policy is purchased within a specific timeframe of booking your trip.
- Cancel For Any Reason (CFAR): An optional upgrade that allows you to cancel your trip for any reason not otherwise covered and receive a partial refund of your trip costs.
By understanding these benefits and considering their individual needs, older people can choose the best travel insurance for older people to protect their travels and enjoy their adventures with confidence.
