Tips & Advices
Best Senior Travel Insurance of 2025
Your health gets more unpredictable as you age, which makes travel insurance more important for seniors, though it’s also more expensive.
The best travel insurance for seniors won’t have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It’s also important that your travel insurance offers preexisting condition waivers, ideally at no extra cost to the traveler.
Here are our picks for the best travel insurance coverage for seniors in 2025.
Best Senior Travel Insurance
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Best Overall
- Good option for frequent travelers thanks to its annual multi-trip policies
- Doesn’t increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
- Some plans include free coverage for children 17 and under
- Concierge included with some plans
- Coverage for medical emergency is lower than some competitors’ policies
- Plans don’t include coverage contact sports and high-altitude activities
Product Details
- Single and multi-trip plans available
- Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
- Preexisting medical condition coverage available with some plans
Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.
Allianz also provides options for varying trip lengths. Its annual multi-trip policies, for example, cover any trip you make during your policy period, even if they aren’t yet planned, making it an excellent option for seniors who vacation multiple times per year.
Best for Expensive Trips
John Hancock Travel Insurance
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JD Power Customer Satisfaction Rating
Not rated
AM Best Financial Strength Rating
Not rated
- Offers 3 travel insurance plans
- Cancel for any reason rider available
- Affordable travel insurance premiums
- Reviews of claims process are mixed
- Buyers may not get specialty coverage for sports equipment and other high value items
Product Details
- Trip cancellation for 100% of the trip cost
- Trip interruption insurance for up to 150% of the trip cost
- Emergency medical coverage of up to $250,000 per person
- Medical evacuation coverage of up to $1,000,000
John Hancock Travel Insurance plans for seniors offer some of the best coverage available, with 100% trip cancellation coverage, up to 150% trip interruption, and up to $250,000 in medical expense coverage. All of John Hancock’s three tiers of coverage offer preexisting condition waivers, as long as you purchase your policy within 14 days of your initial trip deposit.
Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason).
Best for Age Limits
TravelSafe Insurance
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AM Best Financial Strength Rating
A
- Up to 120 days’ coverage available for travelers ages 79 and under (30 days for 80+)
- Up to $2,500 per person for missed connections over three hours or more
- Trip delay coverage of up to $150 per person per day kicks in after six hours or more
- Policy can be purchased by U.S. citizens living abroad
- Medical coverage ceiling of $100,000 may be low for some travelers’ needs.
- Claims reviews from customers say performance is not always the best
Product Details
- A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
- Classic and Basic travel insurance plans
- GolfSafe travel insurance plans provide coverage for you and your equipment
- Travel medical insurance through partner Trawick International
TravelSafe Insurance is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers preexisting condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit.
With a great deal of flexibility, travelers don’t have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers.
Best for Affordability
GeoBlue Travel Insurance
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AM Best Financial Strength Rating
A-
- A subsidary of Blue Cross Blue Shield
- Offers strong medical plans as long as you have a regular health insurance plan, but it doesn’t have to be through Blue Cross
- Offers long-term and multi-trip travel protection
- Multiple complaints about claims not being paid or being denied
- Does not provide some of the more comprehensive coverage like CFAR insurance
- Buyers who do get claims paid may need to file multiple claim forms
GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance. Because it doesn’t offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors, earning it a spot among the best cheap travel insurance.
GeoBlue’s policies cover travelers who are under 95 years old, offering sizable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It’s worth noting that while coverage for preexisting conditions are available, it costs extra.
Best for Annual Plans
Trawick International Travel Insurance
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- Useful for adventurous travelers headed to higher-risk destinations
- Affordable plans with varying levels of coverage
- 10-day free look option
- Generous baggage loss replacement policy
- Trip delay coverage kicks in after just six hours
- Some policies allow a CFAR add-on
- Up to $1 million medical evacuation coverage limit
- Baggage and trip delay coverages don’t kick in until after the 12-hour mark
- International student policies available for temporary stints abroad
- Complaints about claims not being paid or involving an intermediary to resolve claims
Product Details
- Travel medical insurance
- Trip protection and cancellation
- International student insurance
- Visitor medical insurance (for traveling to the US)
Trawick International Travel Insurance offers three tiers of coverage for annual multi-trip travel insurance: Basic, Deluxe, and Executive. Travelers up to 81 years old are eligible for coverage.
What sets Trawick’s annual plans apart from other providers is that it charges flat fees for its coverage: $163 for Basic, $421 for Deluxe, and $817 for Executive. As travel insurance premiums often rise for older travelers, the flat fee is great for older travelers who are looking for cheap annual travel insurance.
Its Basic plan offers coverage for multiple trips under 30 days with $2,500 of travel cancellation coverage over the policy term and $10,000 in emergency medical coverage.
Compare Travel Insurance for Seniors
Understanding Travel Insurance for Seniors
Before diving into the specifics, it’s essential to understand what travel insurance is and why it’s particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.
Types of coverage
- Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
- Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
- Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.
- Preexisting condition coverage: Can mean two different things: coverage for trip cancellations as a result of preexisting conditions or medical expenses as a result of preexisting conditions. Either way, policy must be purchased within a certain time frame from when you booked your trip, usually two or three weeks.
Benefits of travel insurance for seniors
- Peace of Mind: Knowing you’re covered in case of emergencies can make your travel stress-free.
- Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
- Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.
Making the Most of Your Senior Travel Insurance
After choosing a plan, it’s crucial to understand your policy fully and know what services are available to you in case of an emergency.
Understanding your policy
When you purchase a travel insurance policy, you’ll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you’re not blindsided by unexpected claim denials.
For example, if you’re canceling a trip because unexpected work, you may not be eligible for coverage if you haven’t worked at your company for long enough. Additionally, you should review your policy to ensure that your preexisting condition is covered, as companies often have very specific language around what qualifies as a covered preexisting condition.
Emergency assistance services
Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.
How to Pick Travel Insurance as a Senior Traveler
It’s wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.
That said, some of the more essential coverages to look for if you’re a senior citizen include:
- Travel medical coverage – This coverage will pay for your medical bills outside the U.S.
- Medical evacuation coverage – If you’re injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
- Preexisting conditions – Coverage for known health conditions. You’ll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver.
- Cancel for any reason (CFAR) – The name says it all! It’ll cost extra and you’ll need to purchase insurance early, but it’s the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
- Trip cancellation insurance – This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
- Baggage delay insurance – This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
- Lost luggage insurance – This coverage will reimburse you up to a specified amount if your bags get lost en route.
Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.
Some insurance companies offer a waiver that will cover preexisting conditions. You’ll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.
You’ll also want to find a policy with high maximum limits for travel medical insurance and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.
Why You Should Trust Us: How We Reviewed Senior Travel Insurance
When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:
- Coverage limits: We looked at each travel insurance company’s coverage amounts for benefits like medical emergencies and trip cancellation.
- Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers and how much coverage you receive. We also looked at the age limits for a company’s policy.
- Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
- Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates. We also looked at how travel insurance companies price senior travel insurance compared to travel insurance for younger travelers.
- Benefits for seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.
You can read more about Business Insider’s travel insurance rating methodology.
FAQs
The best travel insurance for seniors is Allianz due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies, which could make sense for seniors who travel frequently.
Yes, most travel insurance companies have an age limit, often insuring people up to 80 years old. However, many of the insurance companies in our guide have higher limits or no age limit at all.
Yes, the best travel insurance for seniors will cover preexisting medical conditions as long as you buy your policy within a certain time from when you placed your trip deposit.
Travel insurance can be worth the extra cost for older travelers, especially if they’re traveling internationally or are taking a particularly expensive, nonrefundable vacation.
No, AARP does not offer discounts on travel insurance. However, it offers a discount on Medjet, a medical transport and travel security service.
Once again this year, the Highway Patrol, in anticipation of the massive summer exodus, wants to disseminate the useful vademecum to tackle and reach holiday destinations safely, advice that remains valid for any movement. Before setting off, it is good practice, first of all, to check the vehicle’s efficiency, with particular attention to the tire pressure and tread conditions which must not be less than 1.6 millimeters. Equally important, if the vehicle is equipped, is to also check the conditions of the spare wheel or otherwise the inflation kit. Check the engine fluid levels, brake pad wear, and therefore the correct functioning of all the vehicle’s lighting devices such as headlights, rear lights, brake lights, and turn signals. Equally important is the condition of the front and rear windshield wipers, whose proper functioning is essential for optimal visibility even in case of rain. The arrangement of the luggage must also be taken care of in such a way that the distribution of the loads does not unbalance the stability of the vehicle and, if using roof racks, always ensure they are well anchored. In case of transport, pets must be secured in the appropriate carriers. Before departure, avoid consuming large meals or drinking alcoholic beverages and possibly check the traffic and weather conditions along the route to be traveled. It is also reminded that it is mandatory for passengers in the front and rear seats to always wear seat belts and secure children in appropriate approved seats. For those traveling on two wheels, it is important to fasten the protective helmet properly and use protective measures. During the journey, proceed at a moderate speed, respecting the limits set by the road owner, exercising maximum caution if you decide to overtake using the appropriate lane. Traffic on the highway, the red and black flag days for August 2025. Avoid any distraction during the journey, especially using the smartphone, even for a very short moment because hundreds of meters are covered without the necessary attention. On the highway, it is reminded that it is allowed to occupy the emergency lanes only in cases of actual necessity, and if so, position the emergency triangle at least 100 meters from the broken-down vehicle, always wearing the reflective vest. Where possible, however, it is better to stop in the appropriate service areas. In any case, without further delay, contact the single emergency number (112) indicating the exact position and wait for the arrival of assistance. At the same number, all possible issues such as accidents, vehicles in trouble, objects on the road, or fires must be reported; in this regard, it is absolutely forbidden to throw cigarettes or matches out of the windows. In case of fatigue, it is advisable to reach a safe place for a stop, so as to resume normal attention conditions for safe and responsible driving. On the State Police website, in the area reserved for Italy’s Viability (https://www.poliziadistato.it/articolo/1815cb58d622d6ac985858152) the ‘Summer Exodus Plan 2025’ has been published where it is possible to find: – the intense traffic calendar (flags); – the mapping of the road and motorway sections most subject to traffic issues and related alternative itineraries (north – center – south and islands); – the geographical areas ordinarily subject to overflight by State Police and Carabinieri aircraft; – the railway police surveillance plan; – the mapping of speed detection systems (tutors) located on the motorway network.
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This article is automatically translated
JACKSON, Miss. (WJTV) – Mississippi parents and students are encouraged to stay safe while going to school and back home.
AMR in central Mississippi advised parents to teach their children the following rules to stay safe when traveling to or from school.
Getting on or off the bus:
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Riders should stay outside the “danger zone” around the bus. The danger zone is ten feet wide all the way around the bus. For little children, say six “giant steps” At that distance from the bus, the bus driver can see a child.
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If you drop something near the bus, first signal the driver and tell him or her. Never try to pick it up first because the driver may not be able to see you.
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Always stay away from the wheels of the bus.
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Hold on to the handrail on the bus.
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Never assume other vehicles have stopped for the school bus. Keep watching for other vehicles as you walk in front of the bus.
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If you must cross the street in front of the bus, walk at least ten feet ahead of the bus until you can turn around and see the driver.
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Make sure the bus driver can see you.
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Wait for a signal from the bus driver before beginning to cross.
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When the bus driver signals for you to cross, walk across the road while also keeping an eye out for sudden traffic changes.
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If you leave something on the bus, never go back to get it. The bus may already be moving and the driver might not see the child.
Getting to the bus stop:
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Parents should walk smaller children to their stop.
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Each child should be dressed in contrasting bright colors.
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Leave home early enough to avoid running to the bus. Running to the bus can be dangerous.
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Older children should watch the younger ones closely.
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Children walking or standing in groups are easier for drivers to see than one child alone.
Waiting for the bus to arrive:
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Always stand at least ten feet from the curb or edge of the road.
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Do not run or play while waiting for the bus.
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Do not take anything out of backpacks while waiting. That way, nothing gets dropped or blows away in the wind.
Getting on the bus:
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Be sure the bus driver can see you and you can see the bus driver.
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Enter the bus in a single file with the younger children first.
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Never walk behind the bus.
While the bus is in motion:
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Stay seated, facing forward.
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Keep your hands to yourself.
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Talk quietly. Don’t talk at all near railroad crossings so the driver can listen closely for sounds of a train.
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Do not distract the driver.
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Keep the aisles clear. Keep your belongings on your lap.
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Do not block emergency exits with sports equipment or musical instruments.
Walking to and from school:
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Always walk on the sidewalk when one is available.
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Cross the street only at intersections or street corners. Do not “jaywalk.” If a crosswalk is painted on the street, use it.
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Before you begin to cross the street, stop and look left, right and left again to spot oncoming cars.
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If no cars are coming, it is safe for you to cross but continue looking left-right-left as you cross.
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Do not dart into the street between parked vehicles.
Riding a bicycle to school:
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Always wear a helmet when riding your bicycle.
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Make sure that your helmet fits correctly.
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Ride on the right side of the road in the same direction other vehicles are going.
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If two or more bikers are together, ride one behind the other, not side by side.
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Come to a complete stop before crossing each street.
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Make sure clothes, shoes and the bicycle have reflective materials on them so drivers can see you more easily.
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