Travel Insurance
The best travel insurance for seniors offers essential protection for medical emergencies, trip cancellations, and travel disruptions—and can be paired with a travel assistance membership for complete peace of mind. Providers like Allianz and IMG offer strong senior-focused plans, but this guide compares several options to help you choose the right fit.
Bryanna Moore, Senior Product Manager
·Published on June 9th, 2025
The best travel insurance for seniors does more than protect your trip—it offers peace of mind when health issues or travel disruptions arise. As we age, we face a higher risk of medical emergencies, trip cancellations, and complications from pre-existing conditions. And being far from home during a health crisis can be especially stressful for you and your family.
In this guide, you’ll find trusted options for the best travel insurance for seniors in 2025, along with guidance to help you choose a plan that fits your needs.
When shopping for travel insurance, prioritize plans that offer strong medical coverage, flexible benefits, and protection for pre-existing conditions. The chart below compares top providers to help you weigh your options and choose the coverage that best supports your travel goals and health needs.
| Provider | Best for | Pre-existing medical condition coverage | Medical evaluation required* | Level of plan customization |
| Allianz Travel Insurance | Comprehensive coverage and customer support | Yes (if purchased within 14 days of initial deposit) | No | High |
| IMG | International medical-focused coverage | Limited (acute onset only, varies by age) | No | Moderate |
| John Hancock | Tiered options and strong coverage | Yes (if purchased within 14 days of initial deposit) | No | High |
| Nationwide | Cruise travel insurance | Yes (if purchased within 14 days of initial deposit) | No | High |
| Seven Corners | Medical evacuation and flexibility | Limited (acute onset only) | No | High |
| Travel Guard by AIG | Custom add-ons and tiered plans | Yes (if purchased within 15 days of initial deposit) | No | High |
| Travel Insured International | High coverage limits | Yes (if purchased within 21 days of initial deposit) | No | Moderate |
Emergency Assistance Plus® (EA+®) offers an often overlooked layer of support: a travel assistance membership that steps in where insurance may not.
According to the U.S. State Department, Medicare does not cover care outside the country in most situations, and the cost of a medical evacuation can exceed $250,000. That’s why many seniors choose to pair travel insurance with a service like EA+ to provide 24/7 protection and get you home safely if something goes wrong.
Best for: Comprehensive coverage and customer support
Allianz Travel Insurance is a trusted option for seniors seeking broad, dependable protection. It offers both annual travel insurance and single-trip plans, making it one of the best annual travel insurance plans for seniors who travel frequently.
While Allianz is known for its reliable customer service and easy-to-use app, some entry-level plans come with lower coverage limits. Seniors with pre-existing conditions may qualify for a waiver, and most plans offer solid overall protection. However, cancel-for-any-reason (CFAR) coverage is only available with select plan upgrades.
Highlights:
Best for: International medical-focused coverage
IMG offers seniors travel insurance with an emphasis on international medical care, which is especially important since international travel may not be covered by your health insurance plan, including Medicare.
Its GlobeHopper Senior plan includes benefits tailored to older travelers, including coverage for the acute onset of pre-existing conditions. IMG plans also include emergency medical evacuation coverage with high benefit limits, typically to the nearest appropriate facility. While these features support its reputation as one of the best travel medical insurance for seniors, trip cancellation and non-medical coverage may be limited.
Highlights:
Best for: Tiered options and strong coverage
John Hancock offers three travel insurance plans—Bronze, Silver, and Gold—allowing seniors to select coverage that fits their needs. Plans offer comprehensive benefits, and a pre-existing condition waiver is available if the policy is purchased within 14 days of the initial payment.
The Gold plan offers the most comprehensive protection, including up to $250,000 for medical expenses and $1 million for emergency evacuation. These tiered options make it one of the best travel insurance policies for seniors over 65 who want flexibility and strong coverage.
Highlights:
Best for: Cruise travel insurance
Nationwide offers some of the best cruise travel insurance for seniors, with plans specifically designed to cover trip delays, missed connections, and shipboard medical emergencies. Its Cruise Luxury and Cruise Choice plans offer generous interruption and delay benefits, making it a strong option for travelers embarking on multi-leg or at-sea itineraries.
Pre-existing condition waivers are available if the plan is purchased within 14 days of the initial trip payment. While coverage is strong overall, medical benefits may be lower than plans that focus more heavily on health care—highlighting the importance of understanding the difference between travel insurance vs. health insurance during international travel.
Highlights:
Best for: Medical evacuation and flexibility
Seven Corners offers flexible travel insurance options designed for seniors who prioritize medical evacuation and pre-existing condition support. Its RoundTrip plans include cancellation and interruption coverage, while the Travel Medical series focuses on international care and emergency transport.
This range of options makes Seven Corners a strong choice, especially for those who value robust medical benefits over extras like baggage or rental car coverage. However, full pre-existing condition coverage depends on waiver eligibility, and plan structure can vary based on age and destination.
Highlights:
Best for: Custom add-ons and tiered plans
Travel Guard by AIG offers layered travel insurance plans that give seniors flexibility to tailor coverage. With three levels—Essential, Preferred, and Deluxe—travelers can select protection that fits their itinerary and budget. Add-ons like CFAR, rental car damage, and medical coverage upgrades make it an adaptable option.
While the top-tier plans provide strong protection, base plans can be limited in scope. Seniors should compare plan details carefully to ensure their chosen option covers what they need.
Highlights:
Best for: High coverage limits
Travel Insured International is a top choice for seniors taking longer or more expensive trips, thanks to generous plan limits and broad protections. Medical expense benefits can reach $100,000 or more, and emergency evacuation coverage may exceed $1 million, depending on the plan selected.
A pre-existing condition waiver is available if you purchase the policy within 21 days of your initial trip deposit, making this a flexible option for seniors seeking travel insurance with pre-existing conditions. While coverage is strong overall, plans can include detailed exclusions, and optional upgrades like CFAR add to the cost.
Highlights:
Choosing the right plan depends on your health, destination, and type of travel. If you have a pre-existing condition, look for policies that offer a waiver. For international trips, prioritize plans with high medical and evacuation coverage. Cruises or longer itineraries may benefit from extras like missed connection or “cancel for any reason” upgrades.
When comparing policies, pay close attention to:
The best travel insurance for seniors balances coverage, cost, and peace of mind—especially when medical issues or complex travel logistics are involved.
Even the best travel insurance for seniors may not provide everything you need, especially when it comes to coordination, transportation, or care across borders. And since Medicare typically doesn’t cover care outside the U.S., combining insurance with a service like Emergency Assistance Plus helps close those gaps. For seniors, this kind of elderly travel assistance can be essential.
EA+ is not insurance—it’s an annual travel assistance membership that picks up where traditional coverage leaves off. To stay fully protected, consider pairing your travel insurance with EA+ and TripInsure Plus. Together, they offer financial protection and real-world assistance when you need it most.
Ready to take the next step? Explore EA+ membership services to see how it complements your travel insurance and supports you throughout your journey. With EA+, you’re not just protected—you’re cared for.
Enroll nowIn many cases, yes. Travel insurance is especially important for seniors due to a higher likelihood of medical emergencies or trip cancellations. It helps protect your health, finances, and peace of mind while traveling.
Costs vary based on your age, destination, trip length, and coverage level. Expect to pay around 5%-10% of your total trip cost for a standard plan.
The best plan depends on your needs, but look for policies with high medical coverage, emergency evacuation benefits, and a pre-existing condition waiver, if applicable.
Travel insurance covers trip cancellations, delays, and medical events. International travel insurance focuses more heavily on medical care and evacuation while you’re abroad, which is essential if Medicare doesn’t apply.
Travel insurance covers trip cancellations, delays, and medical events. International travel insurance focuses more heavily on medical care and evacuation while you’re abroad, which is essential if Medicare doesn’t apply.
The difference between travel insurance and assistance is their focus.
Travel insurance provides financial protection for unexpected events like trip cancellations or lost luggage, while travel assistance offers direct logistical support during emergencies, such as coordinating with foreign medical systems or arranging emergency transportation.
Bryanna has been with Emergency Assistance Plus (EA+) for nearly 20 years, starting in customer service and now, as Senior Product Manager, she is responsible for member experience – including ensuring that the services EA+ provides continues to meet the evolving needs of EA+ members. Bryanna is passionate about EA+ members and making sure that Emergency Assistance Plus delivers on its brand promise to get members home safely in their time of need.
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