Seniors need travel insurance to cover the expense of any contingencies that may come up during their travels. These may include unexpected trip cancellations, pre-existing medical conditions, emergency assistance, stolen luggage, and medical evacuations. Fortunately, travel insurance providers and policymakers offer seniors various plans with different coverage, premium options, and benefits. So, seniors must read the fine print before choosing a plan based on their personal preferences and travel requirements.

Allianz Travel Insurance
Allianz Travel Insurance offers the best annual coverage when it comes to travel insurance. The company believes that the risk of medical emergencies increases as people age, which is why their coverage includes pre-existing conditions for seniors over 65.

Among their available single-trip and annual plans, the AllTrips Prime plan is a standout. It covers all eligible trips (up to 45 days long) for 365 days, including:

Trip cancellation coverage up to $3,000
Trip interruption coverage up to $3,000
Emergency medical coverage up to $20,000
Emergency medical evacuation coverage up to $100,000
Baggage loss coverage worth up to $1000
Baggage delay insurance worth up to $200
Travel delay coverage worth up to $600 (with a $200 daily limit)
Rental car damage and theft coverage worth up to $45,000
Travel accident coverage worth up to $25,000
Pre-existing condition coverage that must be added to the plan within the first 14 days of the first trip deposit or payment

WorldTrips
This company offers customizable deductibles and premiums so travelers can build their coverage based on their needs. WorldTrips offers great limits to travelers aged 65-79 under their Atlas plan. This applies to eligible doctor visits, required hospitalizations, outpatient physical therapy, accidental death, and more. It also includes:

Up to $1 million in case of emergency evacuation
Coverage for repatriation of remains
Up to $25,000 in personal liability coverage
Up to $10,000 in trip interruption coverage
Up to $1,000 in coverage for lost checked luggage
Up to $100 per day in coverage for travel days of 12 or more hours
Up to $1,500 in coverage for bedside visits
Up to $100,000 in coverage for emergency reunions

GeoBlue
For seniors under 74 who spend the majority of their time overseas, GeoBlue offers comprehensive coverage, including preventive and routine care, under their Explorer Essential plan. It is ideal for travelers who spend at least three months overseas per year, and it includes benefits such as:

Professional services such as surgery
Inpatient medical care
Ambulatory and therapeutic services
Rehabilitation and therapy
Pre-existing conditions under special circumstances

TraWick International
The Safe Travels First Class plan by TraWick International is ideal for luxury travelers and seniors looking to customize their cancel for any reason (CFAR) protection. For eligible travelers, it also offers coverage such as:

Up to $15,000 in trip cancellation coverage
Up to $22,500 in trip interruption coverage
Up to $1,000 for trip delays (with daily limits)
Up to $1,000 for missed connections
Up to $150,000 for emergency medical expenses
Up to $1 million in emergency medical evacuation coverage
$750 in emergency dental coverage
$2,000 in coverage for baggage and personal belongings
$400 in baggage delay coverage

IMG Travel Insurance
IMG Travel Insurance offers special plans curated with seniors and retirees in mind. Coverage may be purchased for single or multiple overseas trips. The GlobeHopper Senior is one of their most attractive offerings for seniors over 65. To avail of this plan, travelers must qualify for Medicare and be actively enrolled in Medicare Part A and B and a Medicare Supplement or Advantage plan.

Up to the age of 79, travelers can customize their limits and deductibles without requiring coinsurance. Some of the benefits include:

Inpatient and outpatient medical coverage
Emergency and non-emergency medical evacuation coverage
Coverage for emergency reunions
Return of mortal remains
Trip interruption coverage worth up to $5,000
Lost luggage coverage up to $250
Coverage for terrorism worth up to $50,000
Accidental death and dismemberment coverage worth up to $25,000

Travel Guard Travel Insurance
Travel Guard offers comprehensive plans covering cancellation, pre-existing conditions, and complete medical expenses. These plans may be tailored to match individual preferences. Insurance provided by this agency is underwritten by the National Union Fire Insurance Company, which has an excellent AM rating as well.

Travelsafe Travel Insurance
From affordable travel insurance for seniors to full-feature plans, Travelsafe offers various plans. Their plans offer travel and medical coverage, making them a crowd favorite.

Prices for each travel plan differ based on one’s age, pre-existing conditions, and coverage offered. To find the best rates for travel insurance plans, it is recommended to shop around. Travelers can also speak to brokers such as InsureMyTrip, TripInsuranceStore, QuoteWright, SquareMouth, and others to compare policies and prices and make better-informed decisions.

Before making a policy purchase, read the fine print carefully. Several policies require coverage to be purchased at least 10-14 days before travel. Others may also include exceptions, additional costs, and exclusions, such as self-inflicted injuries, trauma from extreme sports, etc. Keep all paperwork in order, as incomplete documentation may result in delayed or lost coverage.