Best Travel Insurance for Seniors in June 2024

Every policy differs, so consider your coverage priorities based on your travel plans and choose accordingly.
Lee Huffman
By Lee Huffman 
Updated
Edited by Meghan Coyle

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Traveling at any age can be a stress-inducing event, especially when you’re leaving the country. For that reason, many travelers opt to purchase travel insurance before they go.

Depending on your age, you may want to consider different types of coverage, whether that’s one oriented to emergency medical care or one refunding you in the event your plans change.

To make sure you’re covered, we’ve compiled a list of the best travel insurance for seniors. Here’s which companies made the cut:

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance plan can be overwhelming, especially when there are so many options. To whittle down the choices for top dog, we took a few factors into consideration:

  • Available policy types. Depending on the type of plan you’re interested in, not all insurance companies may work for you. Some won’t offer emergency medical coverage, while others provide only a fixed amount of reimbursement. 

  • Policy coverage limit. Are you interested in comprehensive coverage or the bare minimum? If you’re heading out on a longer trip, a higher maximum may be more prudent. 

  • Exclusions. Many travel insurance companies will exclude pre-existing conditions as well as coverage for risky activities. 

  • Cost. With a huge range in costs, we focused on plans that provided value for money. 

  • Website usability. Nothing is more frustrating than trying to make a claim through a clunky website, which is why we’ve included this. 

  • Customization. Cancel For Any Reason, rental car, accidental death and dismemberment (AD&D), sports coverage, rented electronics coverage — the more customizations a plan offers, the better. 

Of course, the most important thing is that you find a plan that suits your needs. If you’re not planning on taking a cruise, then choosing a plan with cruise coverage makes no sense.

What to know before you shop

No matter your age, you’ll want to make sure you compare a variety of plans before purchase. However, as an older adult, this advice is more pertinent than ever. As you’ll see below, coverage levels and costs can vary hugely between insurance companies.

Policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

A simple way to compare multiple quotes at once is through a travel insurance aggregator, such as Squaremouth. This website allows you to type in your details just once, then spits out plan options from multiple businesses so you can peruse them easily.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

An overview of the best travel insurance for older adults

To find the best travel insurance for seniors, we generated quotes from a variety of companies. Our sample trip consisted of a 65-year-old from California heading to Spain for 10 days in August 2024. The total trip cost was $8,000.

Among our top companies, the average cost for a plan cost $389. However, that number is skewed slightly by Travelex Insurance Services, whose Travel Med program offers medical protection but is otherwise limited.

Here is the basic coverage cost, broken down by provider.

Company name

Basic coverage cost

Recommended for …

Travelex

$62.

Travel medical insurance.

IMG

$217.

Low-cost trip protection.

Trawick International

$422.

Primary medical care.

AXA

$588.

Pre-existing conditions.

Nationwide

$515.

Cruisers.

Travel Insured International

$534.

Customizability.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different levels of coverage.

Comparing these coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

1. Travelex Insurance Services

Best for travel medical insurance
insurance-product-card-logo

Travelex Insurance Services

4.0

NerdWallet rating 
Travelex is a decent option for stand-alone flight insurance, which might be suitable for short trips.
Compare Rates
at Squaremouth

Pros

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.

Cons

  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.
Best for travel medical insurance
insurance-product-card-logo
Compare Rates
at Squaremouth

Travelex Insurance Services

4.0

NerdWallet rating 
Travelex is a decent option for stand-alone flight insurance, which might be suitable for short trips.

Pros

  • Top-tier plan doesn’t break the bank and provides more customization opportunities.
  • Offers a plan specifically for domestic travel.
  • Sells a post-departure medical coverage plan.

Cons

  • Fewer customization opportunities on the Basic plan.
  • Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

What makes Travelex great:

  • Plan is much cheaper than average.

  • Offers emergency medical insurance. 

  • Medical coverage is primary. 

Here’s a snippet from our Travelex review:

“Travelex’s primary goal is to provide travel insurance protection that’s personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from Travelex. However, keep in mind that its Travel Med plan doesn’t include trip cancellation insurance, and its policy limits are fixed rather than a percentage of what you’ve paid. This means you’ll get up to $1,000 for trip interruption and a maximum of $10,000 in emergency medical.

If you want insurance for things like baggage delay, you'll need to purchase a different plan.

2. IMG

Best for low-cost trip protection
insurance-product-card-logo

IMG

3.5

NerdWallet rating 
With a wide range of plans, choosing the right IMG plan might be overwhelming for some travelers.
Compare Rates
at SquareMouth

Pros

  • Annual or single-trip policies are available.
  • Coverage available for adventure travelers.
  • Offers direct billing.

Cons

  • Claim approval can be lengthy.
Best for low-cost trip protection
insurance-product-card-logo
Compare Rates
at SquareMouth

IMG

3.5

NerdWallet rating 
With a wide range of plans, choosing the right IMG plan might be overwhelming for some travelers.

Pros

  • Annual or single-trip policies are available.
  • Coverage available for adventure travelers.
  • Offers direct billing.

Cons

  • Claim approval can be lengthy.

What makes IMG great:

  • 100% reimbursement for trip cancellation.

  • 125% reimbursement for trip interruption.

  • Lower-than-average cost.

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

Be aware that IMG’s iTravelInsured Travel Essential plan, which we looked at, doesn’t include any emergency medical coverage, so you’ll want to make sure you’re protected elsewhere.

3. Trawick International

Best for primary medical care
insurance-product-card-logo

Trawick

5.0

NerdWallet rating 
Trawick is a reasonable option for adventure travelers; it includes for 450+ activities, including lost ski days, golf rounds and dives.

Pros

  • Many different plan options.
  • CFAR available as an add on.
  • Specialty coverage for adventure sports (SafeTreker Basic).

Cons

  • Reports of long resolution processes.
  • Low customer service rating on SquareMouth.
Best for primary medical care

Trawick

5.0

NerdWallet rating 
Trawick is a reasonable option for adventure travelers; it includes for 450+ activities, including lost ski days, golf rounds and dives.

Pros

  • Many different plan options.
  • CFAR available as an add on.
  • Specialty coverage for adventure sports (SafeTreker Basic).

Cons

  • Reports of long resolution processes.
  • Low customer service rating on SquareMouth.

What makes Trawick great:

  • Primary medical coverage.

  • High limit for medical evacuation.

  • Pre-existing conditions covered.

Here’s a snippet from our Trawick review:

“Trawick International has been in business for about 25 years and is a legitimate travel insurance provider. Trawick International reviews on Trustpilot and Squaremouth are generally good, with scores around 4.5/5 and 4.15/5, respectively.”

🤓Nerdy Tip

For those who aren’t familiar with these terms, primary coverage means this entity is the first one to pay out; secondary means the insurance will only cover costs not already paid for by other policies.

At the lower end of costs for our quote — though still above average — Trawick still provides a hefty $50,000 in primary medical coverage with its Safe Travels Defend plan.

4. AXA

Best for pre-existing conditions
insurance-product-card-logo

AXA

1.5

NerdWallet rating 
While offering multiple plans, AXA might not allow as many customizations compared to some competitors.

Pros

  • Lowest-cost plan includes some medical coverage.
  • Pre-existing conditions waiver add-on available for higher-cost plans.

Cons

  • No add ons are available for Silver-level policyholders.
  • CFAR upgrade is only available for highest-cost plan.
Best for pre-existing conditions

AXA

1.5

NerdWallet rating 
While offering multiple plans, AXA might not allow as many customizations compared to some competitors.

Pros

  • Lowest-cost plan includes some medical coverage.
  • Pre-existing conditions waiver add-on available for higher-cost plans.

Cons

  • No add ons are available for Silver-level policyholders.
  • CFAR upgrade is only available for highest-cost plan.

What makes AXA great:

  • Pre-existing conditions covered.

  • $100,000 emergency medical limit.

Here’s a snippet from our AXA insurance review:

“The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver. The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.”

With $100,000 in primary medical coverage and the inclusion of pre-existing conditions, those who have ongoing health issues may want to opt for AXA Gold’s comprehensive coverage.

5. Nationwide

What makes Nationwide great:

  • Reimburses cruise excursion changes.

  • 150% reimbursement for trip interruption. 

  • Eligible sports and other activities covered. 

Here’s a snippet from our Nationwide review:

“Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy.”

Nationwide’s Cruise Choice plan includes comprehensive coverage for all your trip needs. However, it’s at its best for those who plan to cruise, since it offers unique insurance should problems arise. This even includes a payment for you if you’re inconvenienced by a ship breakdown.

6. Travel Insured International

insurance-product-card-logo

Travel Insured International

4.0

NerdWallet rating 
Best for customizability

Pros

  • Annual or single-trip policies are available.
  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.

Cons

  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

Travel Insured International

4.0

NerdWallet rating 
Best for customizability

Pros

  • Annual or single-trip policies are available.
  • Higher-level plan include optional add-ons for event tickets and for electronic equipment
  • Rental car protection add-on for just $8 per day, even on lower-level plan.

Cons

  • Many of the customizations are only available on the higher-tier plan.
  • Coverage cost comes in above average in our latest analysis.

What makes Travel Insured International great:

  • Multiple customizations available.

  • Offers a Cancel for Work Reasons upgrade option.

  • Rental car insurance is included in the quote, but is generally sold as an upgrade. 

Here’s a snippet from our Travel Insured review:

“Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.”

Travel Insured International’s Worldwide Trip Protector Edge plan offers a great deal of flexibility. Along with full-scale trip protections and medical coverage, you can also choose to double your policy limit for medical care or add on Accidental Death and Dismemberment coverage for your flight.

Check your card for existing travel insurance

Many travel rewards cards, such as the Chase Sapphire Reserve® and The Platinum Card® from American Express, offer some kind of trip protection, see more on their benefits in the comparison module below. Terms apply.

Having one of these in your wallet is a good start to protecting your trip-related investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

Top cards with travel insurance
Chase Sapphire Preferred Credit Card
Chase Sapphire Preferred® Card
NerdWallet Rating
Apply now

on Chase's website

Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve®
NerdWallet Rating
Apply now

on Chase's website

The Platinum Card® from American Express
The Platinum Card® from American Express
NerdWallet Rating
Apply now

on American Express' website

Rates & Fees
Chase Ink Business Preferred Credit Card
Ink Business Preferred® Credit Card
NerdWallet Rating
Apply now

on Chase's website

Annual fee

$95.

$550.

$695.

$95.

Travel protections (not a comprehensive list)

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Lost luggage: Up to $3,000 per passenger.

Terms apply.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

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Best travel insurance for older adults recapped

We’ve done the work for you to figure out the best travel insurance for seniors, whether you’re looking to hop on a cruise or want comprehensive coverage for the trip you’re about to take.

To view rates and fees of The Platinum Card® from American Express, see this page.

American Express travel insurance disclosures

Insurance Benefit: Trip Delay Insurance

  • Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

  • Please visit americanexpress.com/benefitsguide for more details.

  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

  • The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

  • Please visit americanexpress.com/benefitsguide for more details.

  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

  • Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

  • Please visit americanexpress.com/benefitsguide for more details.

  • Underwritten by AMEX Assurance Company.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

85,000

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Points
See more cards
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