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Seniors can find affordable travel insurance by applying early, getting multiple quotes, and supplementing coverage with Medicare.
Holiday Insurance For Over 75
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Is Travel Insurance Worth It These Days? What To Look Out For When Buying One
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Many retirees are eager to travel the world after retirement and finally have the money and time to spend on themselves. Seniors planning a trip abroad may be interested in purchasing senior travel insurance to protect their investment.
The best travel insurance for seniors supplements Medicare coverage and offers affordable inclusions similar to travel insurance plans for younger adventurers. However, travel insurance plans for seniors can be more expensive due to increased risks and higher medical costs.
We at 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.
Medical Evacuation Insurance
Best travel insurance companies Cheapest travel insurance companies How much does travel insurance cost? Cost guide The best travel health insurance company What does flight insurance cover?
Our pick for budget travelers 4.5/5 Affordable options for families and groups 15-day "free look" period 24/7 customer support
Our choice for luxury travelers 4.4/5 Multiple levels of cruise protection Flexible reasons for trip cancellation Different coverage add-ons
Our choice for cruises 4.5/5 Special plans for business travelers Includes coverage for unique destinations Offers annual plans and one trip coverage
Insurance: Don't Leave Home Without It
Unless otherwise stated, the offers listed in the cost items have been 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 passenger's overnight stay was in Montgomery, Ala.
Travelex is our top choice for retirees looking for flexibility and value. Travelex now covers up to 75% of travel expenses during cancellation for any reason (CFAR). Additionally, if you change your mind about your policy, you can cancel the order for a full refund within 15 days of purchase.
Travelex plans start at just $60 and can be shared with up to eight passengers, making it a great option for seniors traveling with a group. Travelex also prices coverage at a fixed price, so you know what to expect when you buy your plan.
Pros Deposit starts at just $60 per trip Offers up to $1,000 for lost or delayed luggage Free cancellation up to 15 days after purchasing insurance Cons Limited add-ons to basic plan. Insurances are only available for trips of up to two weeks
Sweden Travel Insurance
A 35-year-old traveler taking a $2,000 weeklong trip to Mexico would pay $63 to $100 for a Travelex plan.
Berkshire Hathaway caters to older luxury travelers by offering a LuxuryCare package with extended cancellation protection. This plan covers more reasons for trip cancellation than any other plan from Berkshire Hathaway and other insurance companies as well. This plan offers upgrade for any reason (CFAR) and covers almost any medical reason that suddenly pops up in your life and could cancel your expensive trip.
The LuxuryCare plan offers comprehensive travel insurance with trip interruption and cancellation limits of up to $100,000 per passenger. With several coverage options available, the company offers policies for adventure lovers and luxury globe-trotters.
Professional 24/7 emergency travel assistance and concierge services Claims are 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
Tips For Buying Travel Insurance Over 75
According to Berkshire Hathaway's plan descriptions, the cost of the LuxuryCare package ranges from 5% to 10% of the total cost of the trip.
Berkshire Hathaway caters to older luxury travelers by offering a LuxuryCare package with extended cancellation protection. This plan covers more reasons for trip cancellation than any other plan from Berkshire Hathaway and other insurance companies as well. This plan offers a cancellation for any reason upgrade (CFAR) and covers almost any medical reason that suddenly pops up in your life that would cause you to cancel your expensive trip.
The LuxuryCare plan offers comprehensive travel insurance with trip interruption and cancellation limits of up to $100,000 per passenger. With several coverage options available, the company offers policies for adventure lovers and luxury globe-trotters.
Nationwide is famous for its insurance in the US, but not many people know that they offer affordable travel insurance specifically for cruises.
What Is Travel Insurance And Is It Worth It?
Nationwide offers three different cruise insurance plans: Universal, Choice and Luxury. Its cruise policy includes coverage for features unique to cruise vacations, such as ship mechanical problems, pre-paid excursions that are missed due to the tour operator, and ship service disruptions in services you've already paid for.
The main differences between Nationwide's three cruise travel plans include variable medical and travel coverage. Medical evacuation costs and medical and accident insurance are lower than many other travel insurance options. But they still go up $1 million for medevac and $150,000 each for both accident and medical coverage.
Pros Affordable plans for seasoned and new cruise travelers Three cruise plan coverages available Trip interruption coverage available up to 200% of the trip price Cons Baggage delay coverage not available until after a 12-hour delay Higher prices on some cruise plans aimed at seniors
A 67-year-old traveler insuring a $5,000 cruise can expect to pay $406 to $498 for their coverage, depending on their coverage and plan level. A 74-year-old passenger can expect to pay $510 to $698 for the same coverage.
Best Health Travel Insurance Plans For Trips In 2023
Nationwide is known for insurance in the US, but many people don't know that they offer affordable travel insurance specifically for cruises.
Generali Global Assistance is our preferred travel insurance company for emergency assistance. Their team can help connect you to medical services, translate, assist with medication exchanges, emergency money transfers, and even find replacement glasses at any time.
Each of its plans provides significant emergency evacuation and treatment per person. First aid coverage starts at $50,000 and goes up to $250,000 on the Generalis Premium plan. Medical evacuation ranges from $250,000 to $1 million per person. This is a great travel insurance option if you're going somewhere you think you'll need health insurance, or if you need peace of mind before your domestic or international trip. Remember that only the Premium plan includes the pre-existing condition. Standard and Preferred plans do not.
Generali's 24/7 customer support is also perfect for seniors traveling internationally, as Generali is one of the best travel insurance companies in terms of customer service responsiveness and specialization.
Best Senior Travel Insurance Of September 2023
Professional 24/7 travel and emergency assistance Above average health insurance Premium package includes $2,000 per person lost baggage coverage Cons Must purchase CFAR add-on within 24 hours of original policy purchase. three planes
A 67-year-old traveler spending a week in Japan with total travel expenses of $5,000 can expect to pay about $360.37 for premium coverage. A 75-year-old traveler can expect to pay $518 for the same international trip.
Generali Global Assistance is our preferred travel insurance company for emergency assistance. Their team can help connect you to medical services, translate, assist with medication exchanges, emergency money transfers, and even find replacement glasses at any time.
Each of its plans provides significant emergency evacuation and treatment per person. First aid coverage starts at $50,000 and goes up to $250,000 on the Generalis Premium plan. Medical evacuation ranges from $250,000 to $1 million per person. This is a great travel insurance option if you're going somewhere you think you'll need health insurance, or if you need peace of mind before your domestic or international trip. Remember that only the Premium plan includes the pre-existing condition. Standard and Preferred plans do not.
Don't Let Age Or Illness Ground Your Travels: How To Find Travel Insurance For All Your Needs
Generali's 24/7 customer support is also perfect for seniors traveling internationally, as Generali is one of the best travel insurance companies in terms of customer service responsiveness and specialization.
As we age, we cannot afford to take risks with our health, so AXA's Platinum Plan is good for the seasoned traveler looking for leisure security and international health insurance. Unlike many travel insurance policies, AXA's Platinum Plan covers up to one million US dollars
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