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Senior Travel Insurance Finder

Looking for seniors travel insurance? Compare policies designed for travelers over 65.


Affectionate couple on a boat trip

Don’t pay more than you need to for seniors travel insurance. Whether you’re heading away on a cruise, visiting friends overseas or just looking for a new adventure, get the travel coverage you need at a cost that fits your budget. When comparing your options, make sure to ask whether your coverage meets the criteria you’re looking for:

  • For travelers of all ages.
  • No upfront medical assessments.
  • Unlimited protection against trip cancellation.
  • Specializes in cruise trips.
  • Free coverage for grandchildren.

Keep reading to find out more about how to compare different policy options for senior travelers.

  • Travel Accident Coverage : up to $50,000
  • Pre-Existing Medical Condition : Available
  • Concierge : Included

Our top pick: Allianz International Travel Insurance

Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.


How do I get the best policy as a retiree?

Providers usually apply a premium loading on policies as you get older. This makes it even more important for seniors to take the time to compare the different options available in order to get the best deal.

Tips to find the right policy for your trip

Although the cost of travel insurance for seniors tends to be considerably higher than the cost of travel insurance for younger people, it’s still possible to get some reasonable deals on this cover with a little research, particularly if you’re relatively fit and healthy. Ask yourself the following questions:

  • What company has the best policy for you? Many seniors are loyal and go for a provider they know and already have cover with — like health insurance. Unfortunately, this tactic is not the most effective way of finding the best value. It’s wise to go online and compare policies side by side and decide which policy is best suited to your needs.
  • Have you considered an age specialist? Although some providers avoid offering cover to seniors, there are others that specialize in policies for seniors. As these providers only offer seniors travel insurance policies, you may find the application process a little smoother.
  • How much cover do you need? Different providers offer different levels of cover. It is worth assessing what an appropriate amount of cover is for your needs. You may decide to take out a policy with a reduced amount of cover for a lower premium rate.
  • Are you eligible for the policy? It’s especially important to check the eligibility on the policy you are considering before you spend time checking coverage levels as you may be over the provider’s maximum age limit. When you compare policies, check the maximum age limit before you spend time checking the plan for suitability.
  • Should you select the optional extras? Most senior travel insurers offer a range of additional options — like rental — that you can add to the policy to give a more comprehensive range of cover.
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Compare travel insurance plans

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
Allianz Travel OneTrip Cancellation Plus Plan
Cover yourself with trip cancellation, trip interruption and travel delay incase the unexpected happens.
Allianz Travel OneTrip Basic Plan
A cost-effective policy with essential benefits for domestic and international travelers.
Allianz Travel AllTrips Basic Plan
Annual policy that offers affordable protection, but doesn't include trip cancellation or trip interruption.
Travelex Travel Basic
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Atlas Travel by Tokio Marine HCC – MIS Group
Customizable policy that balances basic essentials with premium coverage.

Compare up to 4 providers

How can I get cheap travel insurance?

While some travel insurers don’t offer discounted cover to people ages 60 or 70 or older, there are some ways to get cheap travel insurance as a senior.

  • Choose a lower level of cover. Instead of forking out for a comprehensive policy, consider a basic medical-only policy that only offers essential cover. Alternatively, mid-range policies offer many of the same benefits as comprehensive policies but usually have lower benefit limits and, therefore, a lower price.
  • Choose an annual multi-trip policy. If you’re a frequent traveler who takes two or more trips a year, you might be able to save a substantial amount of money by investing in an annual multi-trip policy. This covers all your trips over a 12-month period and is cheaper than taking out a single trip policy for each individual journey.
  • Don’t purchase additional options you don’t need. If you don’t really need additional cover for specified items or for a golfing holiday, don’t add these extra benefits to your policy.
  • Consider senior-specific travel insurance brands. Brands that claim to cater especially to seniors usually offer policies that are underwritten by the same insurers and have the same terms and conditions as other travel insurance brands.
  • Shop around. The most important thing you can do when hunting for discount travel insurance for seniors is compare your options and shop around.
  • Free cover for dependents. If you plan on traveling with younger grandchildren, you may be able to get free cover for additional travelers under 21.

I’m ready to apply for coverage

If you’re ready to compare policies from different insurance providers online, just put your travel details into the quote form above (no personal details are required until you’re ready to buy). Always remember to look through the conditions of each insurance policy before submitting your application to ensure that you have an adequate level of cover while traveling.

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2 Responses

  1. Default Gravatar
    SatishMay 2, 2019

    My wife and I are visiting our son who is USA citizen. We are Indian citizen. DOB 15th XX, 19xx and 24th xxx-19xx. Start date 13/05/2019, return 08/07/2019 from Boston MA. We need visitor insurance plan of $50000 with pre existing conditions- my self a) Diabetic B) undergone open heart surgery last year. Spouse a) operated for accidental bone surgery of knee (plate inserted) b) thired. Please email me the complete terms and conditions, premium etc.

    • Avatarfinder Customer Care
      MaiMay 2, 2019Staff

      Hi Satish,

      Thank you for reaching out to Finder.

      You a gentle reminder that we’re a financial comparison website and do not represent travel insurance companies hence we can help you with your comparison options.

      Since you and your wife are non US citizen, please refer to Travel insurance for visitors to the US and non-US residents for travel insurers you can contact. To request for quotes based on the information you provided for you and your wife you can click the Go To Site button from the page to receive a quotation.

      Hope this helps! 😊

      Kind Regards,

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