Most Popular Travel Insurance Options For Seniors in 2021

There are many benefits to traveling later in life, but for seniors, you need to take extra precautions. If you’re in your senior years, you may want to read this article. Today, we are reviewing the best travel insurance for seniors.

You can expect to find:

  • Our methodology
  • Individual reviews
  • Buyer’s guide
  • FAQ
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1. Imglobal

Imglobal offers both international travel and medical travel insurance for elders. For the GlobalHopper plan, you can get maximum limits between $50,000 and $1,000,000. You can also choose your coverage based on the type of traveler you are. Full Review

  • Offers multiple plans for travelers
  • Made for senior business executives
  • Single trip plan is extended to 12 months
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Imglobal offers both international travel and medical travel insurance for elders. For the GlobalHopper plan, you can get maximum limits between $50,000 and $1,000,000. You can also choose your coverage based on the type of traveler you are. Full Review

Coverage

4/5

Pricing

5/5

Discounts

4/5

Customer Ratings

4/5

2. AIG Direct

Do you want more options when it comes to senior travel insurance ? AIG Direct offers more plans that have a wide range of coverages. For seniors, the most useful travel packages to choose from are the Essential, Pack n’ Go, and Annual plans. Full Review

  • Offers more than one travel plan
  • Offers 24/7 assistance
  • Perfect for travelers with multiple destinations
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Do you want more options when it comes to senior travel insurance ? AIG Direct offers more plans that have a wide range of coverages. For seniors, the most useful travel packages to choose from are the Essential, Pack n’ Go, and Annual plans. Full Review

Coverage

5/5

Pricing

5/5

Discounts

5/5

Customer Ratings

4/5

3. Allianz Travel Insurance

Do you want to find travel insurance that offers perfect plans, including medical for seniors? If so, consider Allianz Travel Insurance, as they offer multiple packages for you to choose from. The company also offers a mobile app you can use to innovate the way you travel. Full Review

  • Offers plans for single and multiple destinations
  • Has an executive plan for business travelers
  • Offers 24/7 support
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Do you want to find travel insurance that offers perfect plans, including medical for seniors? If so, consider Allianz Travel Insurance, as they offer multiple packages for you to choose from. The company also offers a mobile app you can use to innovate the way you travel. Full Review

Coverage

4/5

Pricing

4/5

Discounts

5/5

Customer Ratings

5/5

4. Goodtogoinsurance

Goodtogoinsurance travel offers the best support to UK senior customers. Travel insurance forms are easy to complete online, and claims are handled swiftly. As you can see from our Goodtogoinsurance review, there are plans for you to choose from that offer medical and personal property coverage. Full Review

  • For seniors over 65
  • Offers 24 hour medical support
  • Covers personal property such as luggage
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Goodtogoinsurance travel offers the best support to UK senior customers. Travel insurance forms are easy to complete online, and claims are handled swiftly. As you can see from our Goodtogoinsurance review, there are plans for you to choose from that offer medical and personal property coverage. Full Review

Coverage

4/5

Pricing

5/5

Discounts

4/5

Customer Ratings

5/5

5. Reliance General Insurance

Some companies only have a maximum number of days they can cover while you’re on vacation. But with reliance general insurance you can extend your policy coverage days if you extend your trip. If you need to claim, this travel insurer can connect you to any network in the area. Full Review

  • Covers for accidental injury while on a trip
  • Four packages to choose from
  • Excellent customer support

Some companies only have a maximum number of days they can cover while you’re on vacation. But with reliance general insurance you can extend your policy coverage days if you extend your trip. If you need to claim, this travel insurer can connect you to any network in the area. Full Review

6. InsureandGo

InsureandGo is one of the popular companies for travel insurance suitable for seniors in the UK and the US because of its affordability and coverage of pre-existing medical ailments. In addition, it covers over 50 travel activities to protect you if you get injured during your vacation. Full Review

  • Affordable insurance coverage
  • Covers pre-medical conditions
  • Easy to apply for
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InsureandGo is one of the popular companies for travel insurance suitable for seniors in the UK and the US because of its affordability and coverage of pre-existing medical ailments. In addition, it covers over 50 travel activities to protect you if you get injured during your vacation. Full Review

Coverage

5/5

Pricing

5/5

Discounts

4/5

Customer Ratings

3/5

Our Methodology

To help you find the top-rated travel insurance for those over the 70s, we have done extensive research on the companies featured. In this section we’ll describe how we’ve chosen the following insurance companies for older citizens. Keep in mind that the final two companies cover UK seniors.

  • Coverage: Travel insurance for seniors should have special coverage, such as offering plans that insure pre-existing conditions. You’ll also need medical evacuation coverage if you fall ill on your travels. The companies we’ve chosen have a wide variety of coverages that are suitable for older travelers.
  • Destination: Where do you plan on traveling to? Some countries may be at a higher risk for seniors. The companies we reviewed cover you no matter where you’re traveling to.
  • Plan type: Most of the companies that offer travel insurance provide various plans based on your needs as a senior. The seniors’ medical travel insurance will cover you if you suffer from ailments, even if you’re on chronic medication. We looked at companies that offer accidental death or disablement. Some plans even cover theft of belongings!
  • Duration: Some companies for senior travel insurance have maximum cover durations of 31 days. This means the insurer will only cover you for those number of days. If you plan to go away for longer, try finding a travel insurer that provides longer coverage.
  • Sum insured: This is the maximum amount you’re entitled to when you file a claim to your travel insurance company. The most popular companies for travel insurance suitable for seniors will offer higher payouts.
  • Add-on features: There are some travel insurance options that offer add-on features such as trip cancelations. This is an important feature for seniors who don’t want to suffer financial loss.
  • Service efficiency: Most travel insurance solutions offer efficient services, but there are those exceptions. We’ve only selected companies that offer travel insurance options with excellent services suitable for those over 80.
  • Claims settlement: What is your travel insurance claims settlement policy? Is it easy to claim money from the company, or are there specific processes? Always read the fine print for claims settlements when picking a travel insurer.
  • Customer ratings and reviews: We’ve picked the senior travel insurance options with the highest ratings. Read other customer reviews on the insurer you select to ensure the company provides top-notch services.
  • Cancelation policy: The ideal travel insurance plans for those over 65+ will make it easy for you to cancel your policy at any time. Before choosing your travel insurance company, make sure you understand their cancelation policy.

Senior Travel Insurance Option

Imglobal
Imglobal
Imglobal

Imglobal offers medical travel insurance, regular travel insurance, and international travel insurance

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  • Made for senior business executives
  • Single trip plan is extended to 12 months
  • Offers multiple plans for travelers
  • Limited network of available doctors
  • You must be 65 years or older to apply

Imglobal, also known as IMG, is the travel medical insurance solution for 65+ as well as standard travel insurance. The insurer offers a travel plan specifically for seniors.

Imglobal offers medical travel insurance, regular travel insurance, and international travel insurance. Additionally, you can choose the type of coverage you need according to the type of travelers you are, such as a missionary or immigrant. Read the Imglobal review below for more information.

Plans and Pricing

The company offers multiple plans, including:

  • GlobalHopper: For senior travelers who are 65 years and older. This plan is designed for vacations, business travel, visitors, or immigrants. With this plan you get deductible options between $0 and $2500. They have two plans under this coverage: one for single and one for multiple trips.
  • Travel medical: This plan covers you for areas inside and outside the US. Offers COVID-19 coverage for travelers.
  • Travel insurance: Covers you for trip interruptions, lost baggage, and travel delays.
AIG Direct
AIG Direct
AIG Direct

AIG Direct offers more than one type of insurance policy, such as life insurance, personal liability, and of course travel insurance

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  • Perfect for travelers with multiple destinations
  • Offers more than one travel plan
  • Offers 24/7 assistance
  • Prices on plans aren’t shown
  • Not offered to people in New York

AIG Direct offers more than one type of insurance policy, such as life insurance, personal liability, and of course travel insurance. This is an international travel insurance provider that offers five plans for you to select from.

Plans and Pricing

Unfortunately, the company doesn’t show you exact prices on their website; you have to request a quote on the plan you choose. Here are the five travel insurance plans the company offers:

  • Delux plan: Offers 24/7 global travel assistance. It offers up to $1000 coverage for trip delays.
  • Preferred plan: Ideal for families and international travelers. It offers up to 50% for trip coverage.
  • Essential plan: Best for pre-existing medical conditions; it covers you for travel cancelations. It’s also ideal for lost or stolen luggage.
  • Pack n’ Go: This is a comprehensive package that is ideal travel insurance for seniors. It covers trip delays, travels medical expenses, and emergency evacuation. It also offers up to $1000 coverage on lost luggage.
  • Annual: This plan is great for seniors because it covers accidental death, emergency evacuation, and medical expenses. Up to $1500 trip delay coverage.
Allianz Travel Insurance
Allianz Travel Insurance
Allianz Travel Insurance

This insurer offers 24/7 assistance and a global network of hospitals.

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  • Has an executive plan for business travelers
  • Offers plans for single and multiple destinations
  • Offers 24/7 assistance
  • Coverages aren’t flexible
  • Cancelation can be difficult

Allianz Travel Insurance is a German-based company offering international services. Opt for this company if you are a senior wanting to cover your trip to any destination in the world. This insurer offers 24/7 assistance and a global network of hospitals. Take a look at the Allianz travel insurance review below for more information.

Plans and Pricing

This travel insurer offers valuable travel insurance choices for older citizens because their plans are feature-rich and affordable. There are multiple plans to choose from for single destinations such as the following:

  • OneTrip Prime: Up to $1000 coverage on trip cancelation and $25,000 for medical emergencies.
  • OneTrip Basic: Offers $10,000 coverage for trip cancelations and $10,000 for emergency medical.
  • OneTrip Premier: This plan offers $50,000 medical emergency coverage, $1,000,000 for emergency medical transportation.
  • OneTrip Emergency Medical: The plan offers $250,000 coverage for emergency transportation and $50,000 for medical.

If you’re going on multiple trips or you’ll be traveling annually, pick one of the AllTrip plans. There is also an AllTrip Executive plan for seniors who are still in business. Additionally, there is insurance to cover rental cars on your travels.

For seniors who want coverage for medical expenses choose the Emergency Medical plan. This covers you for medical expenses and travel mishaps such as lost luggage, trip cancelations, or delays.

Reliance General Insurance
Reliance General Insurance
Reliance General Insurance

The company offers a wide range of insurance that include car excess payments, health insurance, and travel insurance

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  • Excellent customer support
  • Covers for accidental injury while on a trip
  • Four packages to choose from
  • Does Not cover war threats in the country you’re traveling to
  • Doesn’t cover for mental disorders

Reliance General Insurance is an Indian based insurance company, but they also offer services to US senior citizens. The company offers a wide range of insurance that include car excess payments, health insurance, and travel insurance. Take a look at the Reliance General Insurance review below for more information.

Plans and Pricing

This travel insurer offers plans for students, business executives, and senior travelers. For older travelers, you’ll want to pick the senior travel package. This plan is designed for senior travelers between the ages of 61 and 70. There are four packages to choose from:

  • Standard: Covers loss of passport and delay of checked-in baggage.
  • Silver: Has a 5-day medical allowance for hospitalization. Offers financial emergency assistance.
  • Gold: Covers checked-in baggage delays, hijack distress allowance, 300 missed connections, and even home burglary when you’re on vacation.
  • Platinum: One of the most-used travel insurance plans for those between 61 and 70 age; this is because it covers up to $500,000 for medical expenses.
Goodtogoinsurance
Goodtogoinsurance
Goodtogoinsurance

The company offers insurance with medical cover and

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  • Covers personal property such as luggage
  • For seniors over 65
  • Offers 24 hour medical support
  • Plans are expensive for some
  • Refunds can be difficult to claim

Are you planning on going on a cruise? Goodtogoinsurance is the popular cruise travel insurance option for UK citizens over 70 because they have no age limit on their plans. The company offers insurance with medical cover and pre-existing medical conditions.

Plans and Pricing

Goodtogoinsurance offers plans for cruises, single trips, multiple trips, and even annual travel. For seniors over the age of 65, you can choose the following packages:

  • Single trip: Covers single trips for 94 days. Offers 24-hour medical support and £10 million in travel expenses.
  • Annual travel: Covers seniors for pre-existing medical conditions. Offers £300 for loss of medication and £10 million for any medical expenses.
  • Cruise travel: Specifically designed for the seas. It covers up to £10,000 for trip cancelations and another £10 million in medical expenses.
  • These plans offer 24-hour medical support, travel dispute cover, delay and cancelation cover, and loss of medication. There are no prices online, but you can request a quote.
InsureandGo
InsureandGo
InsureandGo

InsureandGo is a British based travel insurance company that offers its services to people around the globe including the US

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  • Easy to apply for
  • Affordable insurance coverage
  • Covers pre-medical conditions
  • No claims for canceled flights
  • Some customers had problems claiming

InsureandGo is a British based travel insurance company that offers its services to people around the globe including the US. There are many travel insurance packages you can choose from. Take a look at our InsureandGo reviews below for more information.

Plans and Pricing

This travel insurer offers packages for annual, multiple, and single destinations. If you’re a senior, choose the package that’s for older citizens 65 years and up. This package covers pre-existing medical conditions such as heart disease and cancer. What’s more, the plan covers single and annual trips, as well as travel disruptions such as loss of suitcases or tickets. The senior travel plan offers the following:

  • Covers you for up to 31 days per trip
  • Offers coverage for 50 recreational activities
  • Covers you for travel disruptions

What Is Travel Insurance?

Travel insurance is specifically designed for people traveling for business, vacations, or even missionary work in other countries. This type of insurance will cover you for:

  • Lost luggage
  • Damage to valuables
  • Canceled flights
  • Trip interruptions
  • Accidental death
  • Emergency medical expenses

This insurance will cover you for any costs or losses while you’re out of town. The travel insurance plan is designed to protect you from financial risks on the move.

These losses can be minor, such as delayed suitcases, or something major such as medical treatment overseas.

There are some insurance companies that offer more than one type of plan, such as car insurance or life insurance. You can take out multiple plans with the same company that provides your travel insurance. Take a look at our reviews above to see if there’s an insurer that offers more than one insurance plan!

How exactly does travel insurance work? When you take out a travel insurance plan, you’ll be reimbursed for any losses that you’re covered for, although you must file a claim and submit proof of your financial loss.

Some companies that provide travel insurance allow you to file claims online for a quicker response. Choose a company that has a quick claims process so you’re guaranteed a reimbursement even when you’re traveling.

What Is The Best Travel Insurance For Seniors?

A senior travel insurance plan offers essential benefits for older travelers. This type of insurance policy is designed for people who are 65 years old and above. There are companies that offer top travel health insurance options for elders by providing coverage for pre-existing medical conditions.

According to Travel Guard reviews from customers, for example, they offer useful options in their travel insurance plans because they cover full medical expenses. Other aspects seniors are covered for include:

  • Trip cancelations
  • Lost luggage
  • Trip delays
  • Missed connections
  • Accidental death
  • Personal liability
  • Disablement

If you’re looking for the best and most popular companies that offer travel insurance for elders, make sure to pick from one of the companies we’ve reviewed above!

Do Seniors Need Travel Insurance?

Elders experience more health issues than younger generations on average, so taking out a travel insurance plan specifically for seniors is essential. For older travelers, you must pick a plan that covers you for medical emergencies, as you can safeguard trips if you are at a higher risk for issues.

However, medical expenses aren’t the only thing that travel insurers will cover seniors for. If you’re an older traveler, choose a plan that covers you for other losses such as flight delays or stolen luggage.

If you’re a senior with pre-existing medical conditions, consider taking a medical alert systems with you on your travels. This device will set off an alarm when you’re having a medical emergency so that people around you can provide help.

In addition, many seniors live off a pension or have limited income due to retirement. Therefore, it’s important that you choose the most suitable travel insurance plan so that you don’t suffer a financial loss during your trip.

There are some traveling situations that are unpredictable, so you must have a travel policy that will protect you from unforeseen situations!

What Should Be Included In Travel Insurance Policies For Seniors?

Before choosing your travel insurance plan, there are a few aspects you should consider. Some travel insurers offer coverage for multiple or single trips, so make sure you pick the right plan for you. Here are a few features you should look for when choosing the excellent travel insurance for elders:

  • Luggage and personal items: The items inside your personal luggage are valuable. If you’re traveling with laptops, cameras, or other valuable items, you may want to choose a travel insurer that will cover you if your suitcase gets stolen or lost.
  • Medical costs (notably emergency transportation): If you’re a senior that’s on chronic medication for pre-existing medical conditions, you must take out a policy that covers you for emergency transportation. The policy will reimburse you for hospital stays, medication, and even disablement.
  • Delays: When cruises or flight delays occur, it can cost you thousands of dollars. Airlines in the US don’t compensate travelers for flight delays. Therefore, you’ll need a travel insurer for seniors who will cover you for any financial losses that happen if your flights are delayed.
  • Cancelation costs: Even when you plan a trip down to the last detail, there are unforeseen circumstances that can occur that force you to cancel your trip. Airlines won’t reimburse you for canceled flights. The perfect company that offers travel insurance solutions for seniors will offer plans that will cover you for flight cancelations.
  • Personal liability: A plan that offers personal liability will cover you for bodily injury, accidental death, illness, or any loss or damage to personal property. Since traveling can be unpredictable, make sure you opt for travel insurance that covers you for personal liability.

Senior Travel Insurance Exclusions

Before taking out a travel insurance plan with your chosen insurer, make sure you understand what exclusions are. These are aspects that the insurer won’t cover you for, or that you can’t claim.

Some travel insurers won’t cover you for self-inflicted injuries acquired out of town, such as trauma from taking part in extreme sports like bungee jumping. You also won’t be able to claim if you experienced financial loss due to intoxication of drugs or alcohol.

If you look at our Reliance General Insurance review, you’ll see that this insurer doesn’t cover any mental disorders such as anxiety or depression. To find out what’s excluded in your specific policy, you must read the fine print or speak to the insurer for more information.

Additionally, your travel insurer will carry a claims policy. When you file a claim, make sure you’re able to provide proof of any financial loss you’ve experienced on your trip. Fill out your paperwork accurately; if you don’t, you may experience delays with your claim.

Travel Tips For Seniors

Before anything else, find the most trusted company that offers senior travel insurance options so that you’re covered while on your travels. You must sign up and be approved for travel insurance before you leave for your journey! Here are other pieces of advice for you:

  • Insure your house: Since you’ll be away, you’ll want to protect your assets at home. Take out a home warranty that will cover for damages caused by water or wear, for example.
  • Reserve elderly accommodation: If you’re older and disabled, request seating on planes that will accommodate you. You’ll also want to take advantage of the free wheelchair services available at the airport. When booking accommodation, ensure the place has adequate access to rooms.
  • Prepare medical documentation: Besides preparing your visa, you also need to prepare your medical files before traveling. Request copies of medical statements or prescriptions. If you’re one of the Medicare cardholders, take photocopies of your card as well as your travel documentation insurance information so you always have proof, even without the originals.
  • Packing tips: Seniors should pack light and make sure to put medical documentation and medicine in a carry-on bag. This is so you can have easy access to your medicine or documents if you need them.

Wrap Up

Traveling shouldn’t be uncomfortable for elderly citizens. As a senior traveler, you should have peace of mind when going on vacation or business trips. You want to ensure that you have the best medical support, as well as a policy that will cover financial losses that may occur.

Choose travel insurance that covers you for medical treatments or loss of luggage. As a retired senior, you may also want to take out a travel insurance policy that offers claims for flight delays or cancelations.

Take a look at our reviews of travel insurance solutions to find a company that offers you a plan you know will be beneficial.

FAQ

What is the top-rated travel insurance option for seniors?

There are many companies that offer plans specifically for seniors 65 years or older. Depending on your exact itinerary and budget, one insurance might be better for some, while others work for someone else. Whichever business from our list you go for, you won’t go wrong.

How much does travel insurance cost for seniors?

This depends on the type of plan you choose, and which travel insurer you opt for. Typically travel insurance costs between 4% and 10% of your trips total cost. If you’re looking for an affordable travel insurance policy, ask a broker to assist you with finding a plan.

How to get travel medical insurance for seniors?

Most travel insurers offer medical coverage for senior travelers. When choosing a policy, take a look at what exactly the medical insurance covers, because there may be some exclusions. Ideally, you want to be covered if you have any pre-existing medical conditions or if you get injured during your trip.

Do seniors need travel insurance?

Yes! Seniors must consider travel insurance if they want to avoid experiencing major financial loss when traveling. Most seniors live off pensions, so protecting finances is vital. If you experience flight delays or stolen goods, the best travel insurance for seniors can help.