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Top Travel Insurance for Seniors Companies of 2025
According to AARP, nearly 65% of Americans over age 50 had plans to travel in 2024. If trends continue, that number will increase this year. With so many planning to jet-set across our nation and around the world, dependable travel insurance for seniors is of the utmost importance.
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Trusted Company Reviews #1 Pick for 2025
- Affordable plans as low as $200/person
- Up to $250,000 of Emergency Medical Coverage
- Telemedicine available in 75 countries and 21 languages
Why we love it 💖
Faye travel coverage provides standard options that are only available as add-ons with other companies. Check Faye Travel Insurance Pricing
Our Highest Rated Travel Insurance for Seniors Companies
- Trip cancellation coverage
- Use Internationally and in the US
- 24/7 live support
- No waiting period
- No age restriction
- Car rental, pet care, and other add-ons
- 3 Policy tiers are available
- Up to $250,000 in medical and dental coverage
- Up to $10,000 companion fees for medical care
- Telemedicine available
- Pre-existing conditions accepted with the Premium plan
- Accidental death and dismemberment coverage
- 3 Plan tiers available, plus annual plans
- Medical coverage up to $500,000
- Evacuation and Repatriation up to $1,000,000
- Trip Cancellation and Delay Coverage
- 24/7 Helpline for eyeglasses and contact replacement
- Prescription medication procurement assistance
- Various plans to choose from, including Pack N’ Go & Annual Plan
- Extensive Coverage
- Add-ons for pet coverage, adventure sports, car rentals, & more
- Call collect to support
- Medical and dental coverage up to $100,000
- No age restrictions
- Highly customizable
- Many plans available
- Senior-specific plan options
- 24/7 live customer service
- Cruise plan options
- Concierge & Identity Theft Add-ons
What is Travel Insurance for Seniors?
Travel insurance for seniors are policies that cover medical and dental needs and unforeseen circumstances while traveling. These plans include coverage of evacuation during medical emergencies, medical benefits, and reimbursement for travel-related delays and interruptions. Policies must be purchased before the start of your trip and provide coverage from departure to arrival home. While the cost of travel insurance can add 4%-12% to your trip’s budget, it is essential for providing support, assistance, and reimbursement for hiccups in your journey.
Related Article: Why Is Travel Insurance Important?
What Does Travel Insurance for Seniors Cover?
Travel Insurance covers a wide range of needs during your trip, depending on what your chosen plan offers. Some coverage options to look for include:
MEDICAL NEEDS
- Medical and dental coverage
- Medical emergency evacuation
- Telehealth services
- Repatriation
- Accidental death & dismemberment coverage
TRAVEL NEEDS
- 24/7 travel support
- Security assistance
- Trip cancellation reimbursement
- Trip delay reimbursement
- Trip interruption reimbursement
- Missed connection assistance and reimbursement
- Lost or delayed baggage coverage
- Concierge services
- Identity theft restoration services
- Add-ons for rental car coverage, pet care, cruises, and more.
Why is Travel Insurance Essential for Seniors?
Seniors traveling domestically or abroad can benefit from a travel insurance policy for many reasons—namely, peace of mind. Anyone who has traveled knows that things can quickly go awry. From delayed flights and missed connections to illnesses and injuries, your trip can become a costly, upsetting experience without support. Having the 24/7 support of your travel insurance company behind you ensures that you have someone to call for help and that they will reimburse you for unforeseen expenses.
How to Purchase Travel Insurance for Seniors
Purchasing travel insurance for seniors is quite simple. Once you’ve made your initial trip payment, but before you have departed, contact your chosen travel insurance company by phone or visit their website for a free quote. Be sure to ask if your plan will cover pre-existing medical conditions and any other options that are important to you. Then, purchase your policy and enjoy the benefits.
Which is the Best Travel Insurance For Seniors?
Reviewing the best travel insurance for seniors, we found that Faye Travel Insurance is the best overall. While they only offer a single plan option, it provides comprehensive coverage and options for add-ons. They’re also one of the most affordable options on our list. Faye Travel Insurance provides simple, comprehensive, affordable coverage that’ll leave you enjoying your trip, knowing they’ve got your back if anything goes wrong.
What Does Travel Insurance for Seniors Cost?
In our sample below, we have two seniors, each aged 90+, who are traveling to Australia for two weeks at a trip cost of $20,000. However, if you are younger, are planning a shorter or less expensive trip, or are planning to travel domestically, your plan cost will be significantly reduced. Furthermore, some plans, such as those through IMG Travel Insurance, can be customized to cover only medical needs, resulting in a much more affordable plan.
Overall, you should plan to spend up to 12% of your trip’s cost on a travel insurance plan.
| Travel Insurance Cost | |||
| 2 Senior Travelers going to Australia for 2 weeks for $20,000 | |||
| Option 1 | Option 2 | Option 3 | |
| Faye Travel Insurance | $2,641 | N/A | N/A |
| Generali Travel Insurance | $2,163 | $2,509 | $4,369 |
| Travel Insured International | $2,780 | $3,146 | $4,392 |
| AIG Travel Guard | $8,914 | $10,500 | $12,075 |
| IMG Travel Insurance | $548* | 926* | $3,770 |
|
*Policies may cover only medical |
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Faye Travel Insurance
Best Overall
Trusted Company Reviews Rating Score for Faye Travel Insurance: 9.5
Review
We were blown away when we started our Faye Travel Insurance Review. With domestic travel coverage for as little as $200/person and their international coverage at or below the cost of others, we couldn’t believe how far the coverage extended. Features often built as add-ons only are standard with their policies, including pre-existing condition coverage, trip cancellation coverage, and 24/7 live support and concierge services. You won’t find a more comprehensive yet simple format for travel insurance anywhere else.
About
What started as a business venture in 2019 to create travel-assistive technology quickly shifted to fill the travel insurance needs of travelers during the COVID-19 pandemic. While Faye Travel Insurance is relatively new in the field, it didn’t take long to make its mark. By 2022, the Wall Street Journal named it the Travel Insurance Product of the Year, and in 2023, it was the Top Travel Insurance Provider.
Features and Benefits
- Affordable plans for as low as $200/person
- Up to $250,000 of Emergency Medical Coverage
- Up to $500,000 Emergency Medical Evacuation
- Telemedicine available in 75 countries and 21 languages
- Trip cancellation coverage
- No waiting period
- No age restrictions
- Use Internationally and in the US
- Trip delay coverage up to $300/day
- Trip interruption coverage up to 150% of non-refundable costs
- Trip inconvenience coverage up to $600
- Missed connection coverage up to $200
- Evacuation coverage up to $100,000
- Baggage loss/delay coverage up to $2,000
- 24/7 live support
Why We Chose
Faye Travel Insurance was the clear choice for the #1 spot on our Best Travel Insurance for Seniors review. A simplistic business model pairing comprehensive coverage with a single plan option makes it easy to understand, simple to purchase, and provides some of the best coverage we’ve seen.
Pros and Cons
Our reviews are always non-biased, so we outline everything you need to know, including the pros and the cons. With Faye Travel Insurance, we listed a few cons, but honestly, these cons are standard with all the travel insurance companies we reviewed. What’s impressive are the pros!
Pros
- Affordable plans as low as $200/person
- Up to $250,000 of Emergency Medical Coverage
- Telemedicine available in 75 countries and 21 languages
- Trip cancellation coverage
- Use Internationally and in the US
- 24/7 live support
- No waiting period
- No age restriction
Cons
- No extended trip coverage
- No senior discounts
- Must purchase an add-on for Cancel-For-Any-Reason coverage
- Cannot cancel once your trip begins
Faye Travel Insurance Cost |
|
| Sample Trip | Faye Travel Insurance |
| 2 travelers to Australia for 2 weeks on a $20,000 trip | $2,640.66 |
Generali Travel Insurance
Most Affordable
Trusted Company Reviews Rating Score for Generali Travel Insurance: 9.1
Review
Generali Travel Insurance came in second on our list of the top 5 travel insurance companies for seniors. With a three-tier system, they provide travelers with a long list of coverage options and allow you to choose between three price points. Furthermore, even the most affordable tier is a great deal with medical and dental coverage, travel cancellation, interruption, and delay, and their 24/7 assistance included.
One thing to watch for is their pre-existing coverage, which extends only to the top tier. If this feature is important to you, opt for their Premium package.
About
Generali Travel Insurance is a company under the Generali Global Assistance brand. The Generali brand has been providing insurance services in Spain since 1831. The United States branch is located in New York, so while they are an international company, you can rest assured that your assistance comes from home.
Features and Benefits
- 3 Policy tiers are available
- Up to $250,000 in medical and dental coverage
- Up to $10,000 companion fees for medical care
- Telemedicine available
- Pre-existing conditions accepted with the Premium plan
- Accidental death and dismemberment coverage
- Trip cancellation, interruption, or delay coverage
- Add-on to cover rental car damage
- Add-on to Cancel-any-reason
- Missed connections coverage
- Baggage loss and delay coverage
- Sporting equipment loss and delay coverage
- No age restrictions
- 24/7 live support
- Online claims portal
- Identity theft resolution services
- Concierge services
Why We Chose
We chose to include Generali on our list of the Top Travel Insurance for Seniors because they offer several options without making shopping confusing. With a three-tier system, you can easily compare each and decide which fits your budget best while providing the coverage you need.
Pros and Cons
Our reviews are fully transparent, providing you with the good and the bad aspects of each travel insurance option. Generali does have some cons, but nothing you won’t experience with other insurance providers.
Pros
- 3 Policy tiers are available
- Up to $250,000 in medical and dental coverage
- Up to $10,000 companion fees for medical care
- Telemedicine available
- Pre-existing conditions accepted with the Premium plan
- Accidental death and dismemberment coverage
Cons
- Standard and Preferred policies don’t include some coverage options
- No specialized senior plans
- Only 10-30 days to cancel the policy after purchase
- No trip extension options
Generali Travel Insurance Cost |
|||
| Sample Trip | Premium | Preferred | Standard |
| 2 travelers to Australia for 2 weeks on a $20,000 trip | $4,369 | $2,509 | $2,163 |
Travel Insured International
Best for Extreme Sports Lovers
Trusted Company Reviews Rating Score for Travel Insured International: 8.6
Review
While international is in the name, you should know that Travel Insured International covers both domestic and international travel. In fact, the cost structure is the same, based more heavily on the length and cost of your trip than the location. Keep in mind, however, that, like other travel insurance companies, there will be location exclusions based on a country’s safety and international relations.
About
Travel Insured International is a U.S.-based insurance company started in 1994 by Peter Gehris. Since then, the company has merged with Crum & Forster, an insurance firm in business since 1822.
Features and Benefits
- 3 Plan tiers available, plus annual plans
- Medical coverage up to $500,000
- Evacuation and Repatriation up to $1,000,000
- Trip Cancellation and Delay Coverage
- 24/7 Helpline for eyeglasses and contact replacement
- Prescription medication procurement assistance
- Bail bond
- Travel arrangements
- Passport/Visa assistance
- Security arrangements
- Emergency cash advances
- Telehealth services with all plans
- Pre-existing conditions covered under all plans
- Single supplement
- Baggage loss/delay coverage
- Concierge services
- Identity theft restoration services
- 24/7 traveler support services
- Pet coverage add-on
- Cruise bundle available
Why We Chose
Travel Insured International’s bundles stood out, earning them a clear spot on our list. If you’re a jet-setter always seeking your next extreme adventure, this company is for you. With an Extreme Sports Medical Upgrade bundle, you can participate in some seriously extreme sporting and know that Travel Insured Internationa will cover any injuries you sustain. While many other insurance companies exclude coverage related to these activities, Travel Insured International embraces them!
Pros and Cons
The list of pros with this outfit is almost too long to list, but we’ll give you the shortlist. When reviewing the cons, look out for the age limit on annual protection. If you’re over 80, you must purchase insurance for each trip individually.
Pros
- 3 Plan tiers available, plus annual plans
- Medical coverage up to $500,000
- Bundles add-ons for cruise, pet, rental car, and extreme sports coverage
- 24/7 Traveler support
- Pre-existing medical condition coverage with all plans
Cons
- Flight AD&D as an Add-on only
- Annual protection for those under 80 only
- No trip extension offers
- Trip Interruption as an Add-on only
Read Full Travel Insured International Review
Travel Insured International Travel Insurance Cost |
|||
| Sample Trip | Worldwide Trip Protector Platinum | Worldwide Trip Protector Deluxe | Worldwide Trip Protector Essential |
| 2 senior travelers to Australia for 2 weeks for $20,000 | $4,392.00 | $3,146.00 | $2,780.00 |
AIG Travel Guard
Best for Spontaneous Trips
Trusted Company Reviews Rating Score for AIG Travel Guard: 8.5
Review
Are you a spontaneous traveler? Do you love the idea of grabbing a bag and heading out at a moment’s notice? If this is you, AIG Travel Guard should be your go-to for travel coverage. While they offer the same standard coverages you’ll find with other companies, they also have a Pack N’ Go plan designed for those last-minute trips. It takes just a few minutes to hop on their website and get coverage, as long as you haven’t left yet. So, go ahead and get spontaneous, but purchase your policy before you board that flight!
About
Travel Guard was founded in 1985 and later sold to a company in Paris. In 1993, the founder reacquired the company and sold it to AIG, an American company that has provided insurance services since 1919. Travel Guard offices are now located in Wisconsin.
Features and Benefits
- Various plans to choose from, including Pack N’ Go & Annual Plan
- Extensive Coverage
- Add-ons for pet coverage, adventure sports, car rentals, & more
- Call collect to support
- Medical and dental coverage up to $100,000
- Medevac coverage up to $1,000,000
- Telemedicine services
- Pre-existing coverage with an upgrade
- Accidental Death & Dismemberment coverage
- Trip cancellation, interruption, and delay coverage
- Baggage loss, theft, damage, and delay coverage
- Missed connection reimbursement
- Evacuation and Repatriation reimbursement
- Concierge services
- Travel Assistance
- Medical Assistance
- Security Assistance
- No waiting period
- No age restrictions
Why We Chose
We love that AIG Travel Insurance provides a Pack N’ Go plan for spontaneous travelers that doesn’t skimp on coverage. Furthermore, if you are frequently spontaneous, you can opt for an Annual Plan that provides coverage throughout an entire year. However, you’ll need to consider your travel destination because AIG excludes coverage in countries sanctioned by the Office of Foreign Assets Control (OFAC).
Pros and Cons
When reviewing the Top Travel Insurance Companies for Seniors, we didn’t leave anything out. We included each company’s pros and cons so you can make an informed decision.
Pros
- Various plans to choose from, including Pack N’ Go & Annual Plan
- Extensive Coverage
- Add-ons for pet coverage, adventure sports, car rentals, & more
- Call collect to support
- Medical and dental coverage up to $100,000
- No age restrictions
Cons
- Cost $$$
- No senior discounts
- No trip extension option
- Poor customer reviews
AIG Travel Guard Travel Insurance Cost |
|||
| Sample Trip | Deluxe | Preferred | Essential |
| 2 senior travelers to Australia for 2 weeks for $20,000 | $12,075.49 | $10,500.18 | $8,913.89 |
IMG Travel Insurance
Best for Customization
Trusted Company Reviews Rating Score for IMG Travel Insurance: 7.9
Review
If you’re familiar with insurance and want to take the time to customize your plan, IMG Travel Insurance is for you. With more customizable options than any other travel insurance company we’ve reviewed, they are perfect for someone wanting to build the perfect plan. They even offer plans that cover only medical or only travel needs, something that’s helpful if you already have international travel medical insurance or don’t care to pay for travel-related coverage.
About
IMG is a global insurance company based in Indiana. Founded in 1990, it covers individual travelers, expatriates, missionaries, students and scholars, businesses, and maritime workers. Its medical plans and trip insurance are available as bundles or separately, making it the most customizable insurance we’ve found.
Features and Benefits
- Highly customizable
- Many plans available
- Senior-specific plan options
- Travel Delay and Interruption coverage
- Missed connection coverage
- Cancel-Any-Reason add-on available
- 24/7 live customer service
- Concierge services add-on
- Identity theft restoration add-on
- Cruise insurance plan options
Why We Chose
We chose IMG Travel Insurance as one of our top travel insurance companies because their plans are so customizable. For instance, the GlobeHopper Senior Single-Tirp plan covers only medical needs but is extremely affordable. If you need more comprehensive coverage and can afford to budget more, the TravelInsured Choice plan covers both medical and travel needs. The only downside is that the purchasing process can take longer as you work through so many options.
Pros and Cons
We always strive to provide reviews that answer all of your questions. That’s why we don’t shy away from including everything we find, even if it includes a cons list.
Pros
- Highly customizable
- Many plans available
- Senior-specific plan options
- 24/7 live customer service
- Cruise plan options
- Concierge & Identity Theft Add-ons
Cons
- Some plans have age limits
- Travel assistance only with add-on
- Many plans include deductibles
IMG Travel Insurance Cost |
|||
| Sample Trip | GlobeHopper Senior Single-Trip | TravelInsured Choice | Patriot Platinum |
| 2 senior travelers to Australia for 2 weeks for $20,000 | $548.40 | $3,769.70 | $926.26 |
Frequently Asked Questions
These are some of the most common questions surrounding travel insurance for seniors.
No, Medicare does not cover your health insurance needs while you are traveling abroad. The only exceptions to this rule are when traveling through Canada between two states or when a foreign hospital is closer than the nearest domestic facility. However, some Medigap plans offer specific foreign travel coverages.
Yes, seniors can purchase travel insurance for cruises. Cruise-specific coverage is generally offered as an add-on to your standard travel insurance policy. IMG and Travel Insured International both offer these types of add-on coverage. Other policies may cover your cruise, but you’ll need to inquire at the time of purchase to be sure.
Yes, there are travel insurance plans specifically designed for seniors. One in particular is through IMG Travel Insurance. However, this plan focuses more on medical coverage than travel coverage. Fortunately, all of the insurance companies on our list make travel insurance available without age restrictions, leaving you free to choose whichever plan you like best.
When purchasing travel insurance, several exclusions should be considered. These include pre-existing conditions, participation in extreme sports, travel to certain destinations, medical treatment, travel against government advice, terrorist events, and activities involving drinking alcohol or using drugs.
Scoring
| TCR Scoring | Faye | Generali | AIG Travel Guard | Travel Insured International | IMG | |
| Policy Cost | $: 10
$$: 8 $$$: 5 |
10 | 8 | 5 | 8 | 8 |
| Medical Coverage | Yes: 10
No: 0 |
10 | 10 | 10 | 10 | 10 |
| Telemedicine | Yes: 10
No: 0 |
10 | 10 | 10 | 10 | 10 |
| Pre-Existing Conditions | Yes: 10
No: 0 |
10 | 10 | 10 | 10 | 10 |
| Age Restrictions | Yes: 0
No: 5 |
5 | 5 | 5 | 0 | 0 |
| Specialized Plans for Seniors | Yes: 5
No: 0 |
0 | 0 | 0 | 0 | 5 |
| Trip Cancellation | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 5 |
| Trip Delay | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Trip Interruption | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Trip Inconvenience | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 3 | 3 |
| Missed Connections | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Baggage Loss/Delay | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Concierge Services | Yes: 5
Add-on only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Identity Theft Protection | Yes: 5
Add-on Only: 3 No: 0 |
5 | 5 | 5 | 5 | 3 |
| Customer Reviews | 4-5 stars: 10
3-4 stars: 8 0-3 stars: 5 |
10 | 8 | 5 | 10 | 10 |
| Total Score | 100 | 95 | 91 | 85 | 86 | 79 |
Logo image sources: imglobal.com – withfaye.com – generaltravelinsurance.com – aig.com – travelinsured.com