The Best Travel Insurance Companies for Seniors in 2026

Senior travel insurance is coverage for older adults, with costs and benefits that vary by age. There are two main types that serve different needs. Travel medical insurance helps pay for treatment and emergency evacuation if you get sick or injured abroad. Trip cancellation insurance reimburses prepaid, nonrefundable costs if you cancel for a covered reason. Some plans include both.

Your age affects which policies you can buy and how much coverage they provide. Many plans lower their medical limits at ages 65, 70, or 80, stop selling to travelers over a set age, or limit coverage for pre-existing conditions. Original Medicare also generally excludes medical care outside the U.S., with limited exceptions.

Our picks for the best travel insurance for seniors address different travel needs and appear in no particular order. As a licensed insurance broker, International Citizens Insurance doesn’t charge for advice. Insurers pay us when you buy a policy through us, and you pay the same price as if you were buying directly from the insurer.

Best Travel Insurance for Seniors at a Glance

We selected the plans below for different travel needs in later life. Use the table to find options that match your trip, then review their coverage limits and eligibility in the next section.

Our Methodology

We assessed each company against six questions, drawing on feedback from our team of licensed insurance agents and our clients. We only recommend companies that rate “good” or “excellent” on every item:

1. Is it easy to purchase a policy?
2. Is it easy to make a claim?
3. How many countries is the plan offered in?
4. How extensive are the benefits?
5. How user-friendly is their site?
6. What is the quality of their customer service?

For older travelers, we also checked each policy’s maximum purchase age, medical limits at 65, 70, and 80, pre-existing condition coverage, emergency evacuation benefits, and how it works alongside Medicare or a U.S. health plan.

Compare Senior Travel Plans

Compare the plans below by coverage type, medical limits, and eligibility. Check the limits for your age group, as a plan’s advertised maximum may be lower for older travelers.

Note: Eligibility, benefits, and exclusions vary by plan and policy version. Medical coverage limits are maximum benefits, not guaranteed payments. Read the policy’s fine print before buying to understand what’s covered, what’s excluded, and how to make a claim.

Best Travel Insurance Companies for Seniors

The reviews below explain why we selected each plan and the limitations to consider before buying.

BCBS Global Solutions Single Trip Platinum: Best for U.S. Seniors With Pre-Existing Conditions

Coverage type: Travel medical

BCBS Global Solutions Single Trip Platinum (formerly GeoBlue Voyager) is available to U.S. residents up to age 95 who have a primary health plan. The primary plan doesn’t have to be a Blue Cross Blue Shield plan. It covers trips outside the U.S. for up to 182 days.

Why we chose it: Platinum covers pre-existing conditions like any other medical condition, which is rare for a plan that covers ages up to 95. You can choose medical limits of $50,000, $100,000, $500,000, or $1,000,000 and deductibles from $0 to $500. It also includes $500,000 for emergency medical evacuation.

Keep in mind: You must have a qualifying primary health plan and buy before you leave the U.S. Medicaid and VA health plans don’t count as primary coverage. The plan doesn’t include trip cancellation coverage.

IMG GlobeHopper Senior: Best for Travelers on Medicare

Coverage type: Travel medical

IMG GlobeHopper Senior is built for U.S. citizens and permanent residents aged 65 and older who are enrolled in Medicare. You must have Medicare Parts A and B plus a Medicare Supplement (Medigap) plan, or be enrolled in a Medicare Advantage plan. It comes in a single-trip version for trips of up to 12 months and a multi-trip version for trips of up to 30 or 45 days each.

Why we chose it: It’s designed to fill the gap Medicare leaves abroad. Single-trip medical limits range from $50,000 to $1,000,000 based on age, with up to $250,000 for emergency medical evacuation. Because it works alongside Medicare, it’s often a lower-cost option than plans designed for travelers of all ages.

Keep in mind: It covers only medical expenses outside the U.S. A sudden recurrence of a pre-existing condition is capped at $2,500 on the single-trip version and $5,000 on the multi-trip version. There’s no trip cancellation coverage.

IMG Patriot Platinum: Best for Longer Stays Abroad

Coverage type: Travel medical

IMG Patriot Platinum comes in two versions. Patriot International Platinum covers U.S. citizens traveling outside the U.S. Patriot America Platinum covers travelers visiting the U.S.

Why we chose it: Coverage runs from five days to 12 months. Travelers who buy at least one month of coverage can renew for up to 36 consecutive months, which suits those spending a season or more abroad. Travelers aged 65 to 69 can still get up to $1,000,000 in medical coverage.

Keep in mind: Medical limits drop to $100,000 for ages 70 to 79 and $20,000 for ages 80 and older. Coverage for a sudden flare-up of a pre-existing condition is available only to travelers under 70.

IMG Patriot Multi-Trip: Best Annual Plan for Seniors Under 79

Coverage type: Annual travel medical

IMG Patriot Multi-Trip covers unlimited trips abroad over 12 months. You choose a maximum trip length of 30, 60, or 90 days. It’s open to U.S. and non-U.S. residents under age 79.

Why we chose it: For older travelers who go abroad several times a year, a single annual policy can cost less and be easier to manage than buying a plan for each trip. Travelers up to age 69 get a $1,000,000 medical limit, with a $250 deductible. The plan is renewable for up to 36 continuous months.

Keep in mind: The medical limit drops to $50,000 for ages 70 to 79, and emergency evacuation is capped at $50,000 from age 66. A sudden recurrence of a pre-existing condition is covered up to $5,000.

Seven Corners Cruise Insurance: Best for Cruises

Coverage type: Trip protection

Seven Corners Cruise Insurance is available to U.S. residents up to age 99 on trips of 30 days or less. It reimburses up to 100% of your nonrefundable trip cost, capped at $30,000, if you cancel for a covered reason, and up to 150% for trip interruption.

Why we chose it: It accepts travelers older than most plans do and includes $250,000 in emergency medical coverage. If a covered delay of at least three hours causes you to miss your departure, it pays up to $250 per day, capped at $1,500. It also covers up to $500 in unused prepaid activities when the itinerary changes. Pre-existing conditions can be covered if you buy within 20 days of your first trip payment.

Keep in mind: Trips longer than 30 days aren’t eligible. Destination restrictions apply, and benefits vary by state.

Planning a cruise? Read our Cruise Tips for Beginners and Pros for advice on preparing for your trip.

Trawick Pathway Premier: Best for Trip Cancellation Coverage

Coverage type: Trip protection

Trawick Pathway Premier is available to U.S. residents up to age 85 on trips of up to 90 days. It reimburses up to 100% of your trip cost for a covered cancellation and up to 150% for a covered interruption.

Why we chose it: It pairs cancellation coverage with up to $100,000 for medical expenses (or $150,000 with an optional upgrade) and up to $1,000,000 for medical evacuation. Pre-existing conditions can be covered if you buy within 21 days of your first trip deposit and are medically able to travel at the time of purchase. You can also add Cancel for Any Reason coverage within the same 21-day window.

Keep in mind: The plan must be bought before departure. Cancel for Any Reason isn’t available to New York residents.

Trawick Safe Travels USA Comprehensive: Best for Seniors Visiting the U.S.

Coverage type: Travel medical

Trawick’s Safe Travels USA Comprehensive plan is for non-U.S. citizens living outside the U.S. who are visiting the U.S., such as parents and grandparents visiting family. It’s available to travelers under 90.

Why we chose it: U.S. medical costs are among the highest in the world, and visitors aren’t covered by U.S. health plans. The plan pays 100% of covered costs after the deductible, up to the policy limit. For travelers aged 69 and younger, it covers a sudden flare-up of a pre-existing condition.

Keep in mind: Medical limits are lower for older travelers. The base Safe Travels USA plan covers only $1,000 for a flare-up of a pre-existing condition, so choose Comprehensive if that’s a concern. U.S. citizens can’t buy either plan.

WorldTrips Atlas Travel: Best for Seniors Visiting Europe

Coverage type: Travel medical

WorldTrips Atlas Travel covers U.S. and non-U.S. citizens traveling outside their home country for five days to 12 months.

Why we chose it: Atlas meets Schengen visa insurance requirements and provides a visa letter as proof of coverage, which helps travelers applying for a visa to visit Europe. Outside the U.S., you can see any licensed provider without using a network. It also sells to travelers aged 80 and older.

Keep in mind: Medical limits drop to $50,000 or $100,000 for ages 65 to 79 and to $10,000 for ages 80 and older. Travelers over 80 who are concerned about high medical costs may want a plan with a higher limit.

How Does Age Affect Your Coverage?

Age is the biggest factor in what senior travel insurance costs and how much it pays. Here’s how the plans above change across age bands.

For more advice on planning and preparing for your trip, read our Travel Tips for Seniors Over 75.

Does Medicare Cover You Abroad?

Generally, no. Original Medicare usually doesn’t cover medical care outside the U.S. and its territories, except in limited circumstances. Learn more about these exceptions on Medicare.gov.

Some Medigap plans (C, D, F, G, M, and N) cover qualifying emergency care that begins within the first 60 days of a trip. They pay 80% of eligible charges after a $250 annual deductible, up to a $50,000 lifetime limit. If you have Medicare Advantage, check your plan’s documents for overseas emergency benefits and exclusions before traveling.

Review medical evacuation coverage separately. The Centers for Disease Control and Prevention (CDC) recommends considering additional insurance for medical care and emergency evacuation, especially when traveling to remote areas.

Annual Travel Insurance Plans for Seniors

If you take several trips a year, an annual (multi-trip) plan covers all trips within a 12-month period. Each trip has a maximum length, usually 30 to 90 days. Two plans on this list offer annual coverage for seniors:

• IMG Patriot Multi-Trip: for U.S. and non-U.S. residents under 79, with trips of up to 30, 60, or 90 days.
• IMG GlobeHopper Senior Multi-Trip: for U.S. travelers 65 and older on Medicare, with trips of up to 30 or 45 days.

Annual plans make the most sense when the combined cost of single-trip plans would be higher. Compare the per-trip length limit with your longest planned trip.

Moving or retiring abroad? If you’re planning to live overseas, explore health insurance options for seniors and retirees abroad. Our guide explains coverage for life abroad and how it differs from travel insurance.

How Much Does Senior Travel Insurance Cost?

The senior travel medical plans compared below cost approximately $9–$39 per day, based on the August 2026 sample rates with a $0 deductible. Your premium depends on your age, destination, trip length, and selected benefits.

Compare medical limits alongside prices, as some plans reduce coverage for older age groups.

Daily rates were calculated using a $0 deductible and were last updated in August 2026.

How to Choose a Plan

Use these steps to narrow down the plans above:

1. Check what your current coverage pays abroad. Review Medicare, any Medigap or Medicare Advantage plan, and your credit card travel benefits.
2. Check the medical coverage limit for your age, not the plan maximum. A plan’s advertised maximum may not apply to you. Many plans reduce medical limits at ages 65, 70, or 80.
3. Review coverage for pre-existing conditions. Some plans cover these like other medical conditions, subject to policy terms and exclusions. Others cover only a qualifying sudden flare-up or offer a waiver if you meet purchase deadlines and other requirements. Learn more about coverage for pre-existing conditions.
4. Match coverage to your trip. Choose travel medical insurance for health costs abroad, trip protection for prepaid, nonrefundable trip costs, or a plan that includes both.

For more guidance, read our tips on how to buy travel insurance.

Get Help Choosing a Senior Travel Plan

Not sure which plan fits your trip? Schedule a free consultation with a licensed International Citizens Insurance advisor. Our team can help you find plans you qualify for at your age and compare their benefits and limits.

Senior Travel Insurance FAQs