Travel Insurance
Travel Insurance

The Best Travel Insurance for Seniors

Traveling outside of US? Don’t forget travel insurance. Here are the best travel insurance for seniors.

For seniors who are traveling outside the US, travel insurance is a must. Because Medicare generally does not provide coverage outside the US.

Read: Best travel insurance for parents visiting USA

And seniors tend to have medical conditions, so the risks involved while traveling abroad are high.

During a trip, a good travel insurance plan generally covers seniors against the following risks.

Insurance for seniors against trip cancellations

Trip cancellations happen because of reasons beyond our control. Like bad weather conditions and other reasons. A good travel insurance plan for seniors will cover you against such uncertainties.

Tip: Don't Forget Travel Insurance
If you’re traveling this year, I recommend getting a good travel insurance plan, to get the right protection. Atlas America is a popular choice among recent travelers.  

Atlas America 100% Coverage, Comprehensive plan
Safe Travels USA 100% Coverage, Comprehensive plan
Patriot America Plus 100% Coverage, Comprehensive plan

Insurance against baggage loss

Baggage loss/theft is covered by most good travel insurance plans. But make sure you read the fine print as there are limitations or maximum you can claims. The limit is usually per baggage.

Acute onset of pre-existing conditions for seniors

If you have a pre-existing condition and there is an occurrence of it during travel, you can claim insurance. Please read the fine print and check with your insurer on which conditions are included and not.

Insurance for seniors during medical emergencies

A good travel insurance policy will cover you against medical emergencies. This involves hospitalization, medicine expense etc.

Emergency assistance

This includes all emergency assistance services, including transportation and treatment. Please double-check the inclusions and exclusions in the policy fine print.

Where can you get the best travel insurance for seniors?

Online, on price comparison sites such as Insubuy, Visitorscoverage or Insuremytrip.

Most online insurance price comparison/review websites can offer policies at less price than agents or travel companies because they sell directly from the insurers/providers.

They also tend to offer better customer service before and after the policy purchase.

Best Travel Insurance Plans for Seniors

Here are the best travel insurance plans for seniors.

Travel Guard

Travel Guard offers standard cancellation coverage, and features plans that cover pre-existing conditions (check fineprint) with full medical and emergency expenses incurred during the trip. Check out their plans here.

Travel Safe

Travel Safe offers travel insurance plans for seniors that offer full medical coverage and trip insurance (check fineprint and exclusions). Check their plans here.

Allianz Travel Insurance

Insurance plans from Allianz offers coverage against trip cancellations, medical emergencies and change fees. Check their plans here.

Seven Corners

This company provides many flexible travel insurance plans for seniors traveling abroad. They’re very popular for offering amazing customer service, especially in the claims department. Check plans here.

How much does senior’s travel insurance cost?

Travel insurance costs anywhere from 8 – 1-0% of your trip cost.

If you’re traveling in 2021, I recommend checking out the updated travel rules for USA.


Travel insurance is a must when you travel abroad. For seniors, who are prone to risks, there are plenty of insurance options. But choose well whom you buy insurance from. Most of the time, insurance looks good on paper, but it’s not a pleasant experience when you claim your expenses. Make sure you read the fine print in policy documents before purchase.

All the best!

Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US. Add me on WhatsApp if you have any queries (+1-408-489-4785)