Traveling in later years involves fulfilling lifelong dreams, exploring new cultures, and reconnecting with loved ones. Having the right travel insurance ensures a safe and stress-free journey for seniors. Choosing cheap travel insurance for seniors means finding plans that provide robust coverage at a reasonable price. The ideal policies strike a balance between affordability and comprehensive coverage.

Seniors should choose plans that cover emergency medical care, repatriation, and trip cancellation, allowing travelers to focus on enjoying their adventures.

Below, you’ll find the most reliable and cost-effective insurance options for seniors.

 

1. Allianz Travel Insurance

Allianz is a global leader in travel insurance, offering plans designed with seniors in mind. It is known for its straightforward claims process and strong customer support, making it a reliable choice. With more than 157,000 workers worldwide, Allianz serves approximately 125 million customers in nearly 70 countries.

They provide extensive online tools and mobile apps to help policyholders manage claims and coverage on the go. Allianz’s reputation for transparency and timely assistance solidifies its position as a top choice for senior travelers. Additionally, their 24/7 global assistance ensures seniors are supported anytime, anywhere. With Allianz, travelers can embark on their journeys with confidence and peace of mind.

 

Plans –

• Essential Plan – $37, covering emergency medical expenses and transportation.
• Basic Plan – $44, with $10,000 of emergency medical coverage and $50,000 for medical transport.
• Classic Plan – $58, with $25,000 of emergency medical coverage and $500,000 for medical transport.

 

Strengths –

• Global leader with a trusted reputation.
• Comprehensive coverage for diverse travel needs.
• User-friendly policies designed for seniors.

 

Limitations –

• It may not cover all pre-existing conditions.
• Higher premiums for extended international trips.

 

 

2. Generali Global Assistance

Generali Global Assistance has built a strong reputation for offering comprehensive travel insurance with affordable pricing options, especially for senior travelers. Their plans provide extensive medical coverage, trip cancellation, and protection against delays, making them a reliable partner for worry-free travel. They are recognized for their efficient claims process, ensuring travelers get timely emergency support.

Its global network spans over 50 countries, with a proven track record of helping millions of travelers annually. Their focus on personalized assistance, such as 24/7 emergency hotlines and concierge services, ensures seniors feel supported at every step of their journey. Besides, they offer multilingual support to cater to travelers across diverse regions, enhancing their global appeal.

 

Plans –

• Standard Plan – Includes baggage delay coverage for $200 per person and missed connection coverage for $500 per person.
• Premium Plan – Covers baggage delays ($500), missed connections ($1,000), and medical/dental expenses ($250,000).
• Preferred Plan – Includes Standard Plan benefits plus sporting equipment coverage.

 

Strengths –

• Strong focus on customer service with 24/7 assistance.
• Competitive pricing tailored to seniors’ needs.
• Comprehensive plans for medical and trip-related coverage.

 

Limitations –

• Some plans may have lower coverage limits for specific benefits.
• Pre-existing condition coverage depends on strict eligibility criteria.

 

 

3. World Nomads

World Nomads also provides policies catering specifically to senior adventurers. Their flexible plans cover emergency medical expenses, trip delays, and evacuation, making them ideal for seniors seeking reliable and adaptable travel insurance options. The insurer’s simple online interface allows travelers to purchase and extend coverage quickly, even abroad.

It operates in over 140 countries and is fully committed to offering coverage tailored to various activities and destinations worldwide. Seniors engaging in hiking, cultural tours, or other unique travel experiences will appreciate their accommodating policies and benefits. They stand out as a trustworthy choice for comprehensive coverage and peace of mind when considering the benefits of travel insurance for an international trip.

 

Plans –

• Standard Plan – Covers emergency medical expenses up to $100,000, trip delays up to $250/day after 12 hours, and evacuation coverage.
• Explorer Plan – Provides higher limits with emergency medical expenses up to $500,000, trip delays up to $500/day after 6 hours, and comprehensive evacuation coverage.

 

Strengths –

• Flexible policies are suitable for adventurous seniors.
• Easy-to-use online platform for purchasing and managing insurance.
• Their plans cover a wide range of activities.

 

Limitations –

• Best suited for longer trips to maximize value.
• Ideal for travelers with standard medical needs, providing extensive general travel support.

 

💡Related – Is World Nomads a Good Travel Insurance? An In-depth Review

 

4. Travel Insured International

Travel Insured International caters to seniors seeking reliable, budget-friendly insurance. Their medical expense coverage is extensive, and they provide additional options like “cancel for any reason” for greater flexibility. Travel Insured International focuses on customizing unique plans. They ensure seniors can select coverage tailored to their specific travel needs.

It offers peace of mind for single trips, multi-trips, and adventure plans. Their commitment to customer service is evident through their 24/7 support and an easy-to-navigate claims process. Seniors can feel confident knowing that help is just a call away, making Travel Insured International a trusted choice for reliable and affordable travel insurance.

 

Plans –

• Essential Plan – Covers 100% trip cancellation, 100% trip interruption, $50,000 in medical expenses, and $750 for baggage.
• Deluxe Plan – Covers trip cancellation (100%), trip interruption (150%), medical expenses ($250,000), and baggage ($1,500), with an optional “cancel for any reason” bundle.
• Platinum Plan – Covers trip cancellation (100%), trip interruption (150%), medical expenses ($500,000), and baggage ($2,500), with an optional “cancel for any reason” bundle.

 

Strengths –

• Tailored options for budget-conscious travelers.
• Comprehensive coverage for trip interruptions and cancellations.
• It is ideal for seniors needing flexible policies.

 

Limitations –

• Higher costs for optional add-ons.
• Pre-existing condition coverage depends on specific eligibility criteria.

 

 

5. Seven Corners

Seven Corners offers affordable and reliable travel insurance options, including specific plans for seniors. Their policies deliver excellent medical coverage, ensure evacuation services, and address pre-existing conditions when you meet specific requirements. The user-friendly app simplifies policy management on the go. It selects coverage that fits its global health insurance needs and pays only for essential services.

With a strong emphasis on accessibility, Seven Corners makes it easy for seniors to navigate their policies, file claims, and access emergency assistance. With over 30 years of experience in the travel insurance industry, Seven Corners has earned the trust of millions of travelers worldwide. They are notably recognized for their 24/7 multilingual support, providing peace of mind to seniors traveling internationally.

 

Plans –

• Protection Basic – The costs are $26 for up to 180 days of coverage.
• Protection Choice – Costs $40 for up to 180 days of coverage, with additional benefits.
• Medical Global Basic – Offers maximum benefits of $50,000, $100,000, $500,000, or $1,000,000.
• Medical Basic – Includes maximum benefits of $50,000, $100,000, $500,000, or $1,000,000 for ages 14–69 and $50,000 or $100,000 for ages 70–79.

 

Strengths –

• Affordable and reliable for senior travelers.
• It includes comprehensive coverage for health and travel emergencies.
• Modern digital tools for convenience.

 

Limitations –

• Some plans require specific conditions to cover pre-existing conditions.
• There may be a lack of specialized coverage for niche travel needs.

 

 

6. AXA Assistance USA

AXA Assistance USA is a favorite for seniors. Their Platinum Plan offers comprehensive benefits, including coverage for pre-existing conditions if purchased within the required time frame. This plan also provides excellent coverage for trip cancellation, medical expenses, and emergency evacuations, making it ideal for those seeking extensive travel protection.

In addition to being affordable, AXA Assistance USA earns recognition for its reliable customer service and emergency assistance. With 24/7 support in multiple languages, travelers can feel secure knowing that AXA is just a call away. Whether handling flight cancellations or assisting with medical emergencies abroad, AXA’s dedicated team ensures a seamless travel experience.

 

Plans –

• Silver Plan – Protects trips up to $10,000 with basic coverage for cancellations, baggage, and medical expenses.
• Gold Plan – Up to $30,000 in coverage, adding airline change fees, pet boarding, and weather-related activity protection.
• Platinum Plan – Provides up to $50,000 in coverage, including all Gold benefits plus protection for lost ski days and golf rounds.

 

Strengths –

• Trusted brand with global reach.
• Comprehensive Platinum Plan for maximum protection.
• Transparent claims process with excellent customer service.

 

Limitations –

• Strict timeframes for pre-existing condition waivers.
• Limited customization options for basic plans.

 

💁‍♀ Also read – Travelex Insurance Review: Protecting Your Journey with Confidence

 

7. IMG (International Medical Group)

IMG provides tailored plans for senior travelers, focusing on medical coverage and evacuation. Their Patriot Travel Medical Insurance plan is cost-effective for seniors traveling internationally, providing peace of mind during extended trips. This plan covers emergency medical expenses, hospitalization, and evacuation, protecting seniors from unexpected health issues abroad.

It also offers 24/7 global assistance, with a network of over 17,000 medical providers worldwide, making it easier for seniors to access care during their travels. With customizable coverage options, including trip interruption and lost baggage protection, IMG ensures comprehensive travel support. They allow seniors to focus on enjoying their trips with peace of mind.

 

Plans –

• Patriot International Lite – $55/month
• Patriot Platinum America – $177/month
• Monthly – Rates range from $21 to $177 based on age, coverage, and deductible.

 

Strengths –

• Designed specifically for senior travelers.
• Competitive rates for international medical coverage.
• Flexible options for long-term trips.

 

Limitations –

• It may not cover all travel-related disruptions.
• Limited customer service availability during peak periods.

 

 

8. InsureMyTrip

InsureMyTrip is a comparison tool. It helps seniors find affordable travel insurance from multiple insurers. With filters for medical coverage, trip length, and pre-existing conditions, it simplifies choosing the best policy. Over 80 leading insurance companies offer seniors various options to suit their needs and budgets. It processes more than 1 million quotes annually.

They ensure users can access the most competitive rates and comprehensive coverage. Also, it features user-friendly tools such as policy reviews, expert advice, and a robust FAQ section to guide seniors through the selection process. Their Price Drop Guarantee ensures customers receive the lowest possible rates. It automatically updates quotes if a better price becomes available shortly after purchase.

 

Plans –

• Typically, it costs 4–10% of the total non-refundable trip price. For example, a $5,000 trip would have insurance priced between $250 and $500.

 

Strengths –

• An easy-to-use platform for comparing policies.
• Wide range of coverage options for various budgets.
• Saves time by offering tailored recommendations.

 

Limitations –

• They do not directly provide insurance.
• Requires additional effort to finalize and purchase a policy.

 

 

9. Berkshire Hathaway Travel Protection

Berkshire Hathaway stands out for its simplified claims process and affordable plans for older travelers. Their policies offer generous medical coverage, trip cancellation, and interruption benefits, ensuring a stress-free experience. Moreover, Berkshire Hathaway provides 24/7 customer support, ensuring that seniors can access assistance whenever they need it during their travels.

Their mobile app lets policyholders manage coverage, file claims, and access documents on the go, enhancing convenience. The company continuously updates its policies to cover travel-related issues, such as baggage loss, flight delays, and emergency medical evacuation. It provides comprehensive protection tailored to the needs of senior travelers.

 

Plans –

• The ExactCare – Essential travel insurance with coverage up to $15,000.
• ExactCare Value – Affordable complete coverage with benefits up to $25,000.
• ExactCare Extra® – Extensive protection and flight innovations covering up to $50,000.

 

Strengths –

• Trusted brand with a straightforward approach to travel insurance.
• Comprehensive protection for unexpected disruptions.
• It is ideal for seniors looking for user-friendly options.

 

Limitations –

• Limited options for niche travel coverage needs.
• The policy does not cover certain high-risk activities.

 

 

10. Squaremouth

Squaremouth is a leading comparison tool for seniors. It allows them to compare policies from 150+ insurers to find reliable and affordable travel insurance. With advanced filters for medical coverage, trip length, and pre-existing conditions, seniors can prioritize affordability without sacrificing coverage. Squaremouth processes millions of quotes annually and matches or beats lower rates with their Price Guarantee.

The platform features comprehensive policy reviews, detailed comparisons, and a user-friendly interface, earning a 4.7 out of 5-star customer satisfaction rating. Besides, they provide 24/7 customer support and a wealth of resources, including travel insurance guides and expert articles, empowering seniors to make informed decisions and secure the best coverage.

 

Plans –

• Comprehensive Plans – Trip cancellation, interruption, and emergency medical coverage for 5-10% of the trip cost ($350–$400).
• Travel Medical Plans – Emergency medical coverage only, priced between $75–$125.
• Domestic Travel Insurance – It covers domestic trips, averaging $200–$250 per trip.
• International Travel Medical Insurance – They are typically $75–$125, depending on age, trip length, and coverage level.

 

Strengths –

• It is ideal for finding cheap travel insurance for seniors.
• User-friendly platform with detailed comparisons.
• It saves time and helps make informed decisions.

 

Limitations –

• No direct policy underwriting.
• Requires users to research additional policy specifics.

 

Recommended read – Can I Buy Travel Insurance After Departure?

 

Average Costs of Travel Insurance for Seniors in 2025

For seniors, travel insurance costs depend on age, destination, trip length, and medical history. On average, seniors can expect to pay between 5% and 10% of their total trip cost for comprehensive coverage. Seniors over 70 may pay slightly higher premiums, but affordable options remain available by comparing plans and selecting tailored policies. Pre-existing conditions like diabetes or heart disease can raise premiums by 10–20%.

The destination also plays a crucial role in international travel to regions with higher healthcare expenses, such as Europe or Asia. It typically results in higher premiums, averaging $150–$300 compared to $100–$200 for domestic trips. Trip duration also affects pricing, where trips longer than two weeks may increase insurance costs by 15-25%.

Moreover, selecting higher coverage limits or adding optional benefits like adventure sports coverage can increase the overall cost by 5-10%.

With these factors and comparison tools, seniors can manage insurance costs and secure suitable, cost-effective coverage. Also, knowing the reasons to buy travel insurance can help seniors prioritize their health and safety while traveling.

 

Final Note!

Finding reliable and cheap travel insurance for seniors ensures peace of mind during any trip. Saving money matters, but balancing affordability with comprehensive coverage protects medical emergencies, cancellations, or unexpected events. Each insurer or policy comparison tool listed offers tailored options that cater to the specific needs of senior travelers.

To make the process even smoother, check the official websites of these providers for up-to-date plans and promotions.

 

Need Help to Choose Insurance and Relocation Support

If you need help choosing the best travel insurance fit for your budget, we’re here to guide you every step of the way. 🛡️

Also, if you fall in love with a city during your travels and decide to settle down permanently, we offer retirement relocation support to ensure a seamless transition.

Fix a meeting with us today, and let us handle the rest!