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The Guide to Senior Travel Insurance

Ramsey is a freelance travel journalist covering business travel, loyalty programs and luxury travel. His work has appeared in Travel+Leisure, Condé Nast Traveler, Reader's Digest, AFAR, BBC Worldwide, USA Today, Frommers.com, Fodors.com, Business Traveler, Fortune, Airways, TravelAge West, MSN.com, Bustle.com and AAA magazines. As someone who flies more than 450,000 miles per year and has been to 173 countries, he is well-versed in the intricacies of credit cards and how to maximize the associated perks and services.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

The best senior travel insurance options

Tips for selecting travel insurance for seniors, what else seniors need to know about travel insurance, travel insurance for seniors, recapped.

Travel insurance is a smart way to protect the money you have invested in a big trip in case unforeseen hurdles stop you from traveling. Seemingly now more than ever, last-minute changes can disrupt a trip, and in some cases, the money spent on nonrefundable purchases is at risk. There are numerous travel insurance options for people older than 65, but it is important to understand the nuances of senior travel insurance.

Medical issues or situations at (or en route to) your destination can stifle even the best-laid plans. Many credit cards include travel insurance as one of their benefits. These plans can assist in the event of lost or delayed baggage, flight delays and cancellations, and other adjustments to a trip paid for with that particular card.

When buying supplemental senior citizen travel insurance, don’t rely on the default option presented by your travel provider. There are many considerations to take into account, like how far from home you plan to be, the potential for injury or sickness (including your pre-existing medical conditions), and what may already be covered by other insurance plans you have.

For example, medical evacuation may not be covered, but local transportation to a hospital may be. And remember that U.S. health plans or Medicare coverage are especially limited outside of the country.

Here are some options worth reviewing from a handful of insurance providers: Allianz, Medjet, Travelers and your specific travel provider.

Here are a select few senior travel insurance options for people 65 and older.

Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments overseas, even in the local currency and their preferred payment methods, to keep you from paying out of pocket.

For longer trips, it offers an AllTrips Prime Plan in increments of three, six or 12 months (ideal if you plan to vacation elsewhere during the winter months, for example). This plan covers emergency medical transport. The company takes into account certain pre-existing medical conditions so be sure to read the fine print.

If you fall ill or need assistance during your travels, Medjet ’s supplemental coverage for medical transportation helps you get to your home or the hospital of your choice. It includes air medical transport. This is a membership program that covers emergencies and can be tacked onto trips or purchased annually. While not technically travel insurance, this company offers an additional medical transport option for emergencies.

This coverage can be helpful if you're planning to travel in remote or unfamiliar areas, such as on safaris, to secluded islands and other far-flung destinations.

» Learn more: Does travel insurance cover medical expenses?

Most other travel insurers might only get you to the nearest appropriate hospital facility. For travelers younger than 75, Medjet offers no pre-existing medical condition exclusions and it doesn't rule out the same number of activities that other providers might.

3. Travelers

With the option to buy an annual, multi-trip protector, Travelers insurance covers a whole year of trips with the option to upgrade several features. The add-ons include “Cancel For Any Reason” insurance and trip interruption coverage.

4. Your travel provider’s own plan

On certain types of trips, say a cruise or a Caribbean resort that is prone to hurricanes, using the travel provider’s recommended insurance can be a good bet. This coverage is usually offered as an add-on during the booking process, but it can also be added after the reservation.

Most likely, these policies are designed to cover delay or cancellation issues, but be sure to read the fine print to see if medical transportation or trip interruption is also included.

Choosing a provider of your own can make sense when planning your own travel (let’s say a honeymoon to Paris or the Maldives). If a cruise line or safari outfitter offers insurance of its own, that might be the most comprehensive when it comes to that particular provider’s operations.

» Learn more: The best cruise insurance

Deciding if you need travel insurance is the first hurdle. Next comes the task of selecting the right one without spending more than the cost of what you are actually trying to protect. These are some important tips to consider.

Compare plans

It is wise to compare the options available using aggregator websites like SquareMouth (a NerdWallet partner) and InsureMyTrip.com. These sites compare the options from dozens of different providers detailing what they do and do not cover.

Seeing the exclusions as well as considering them within the framework of your trip can help you select the best plan for your travel needs.

Consider existing coverage

Review your existing coverage, whether that is via your health insurance or any credit card protections you may have. Some of the benefits you might be paying extra for when getting supplemental travel insurance may already be covered.

Read the fine print

Don’t base your final decision on price, as sometimes the cheapest policy may be the most restrictive — and the most expensive policy may give you coverage for activities you won't even be doing.

What may seem like an inclusion may actually be disallowed due to a technicality (terrorist attack or war). If you’re not sure, pick up the phone and ask if your specific situation is covered.

Timing is key. The sooner you buy your travel insurance coverage, the more time you have to benefit from it. The price could also rise the closer you get to departure. If you wait until the departure date to buy it, you would be out of luck if the week before you get sick or the destination closes its borders. Buying insurance after an issue arises won't help you.

Travel insurance is a safe way to protect that sunken cost. Spending money on travel, even with the benefit of loyalty program miles and points to offset some of the cost, can be a significant investment. Chances are that you won’t even need it, but like other insurance policies, it can pay off in the event of unforeseen circumstances. Weigh the cost of potential expenses with the insurance plan. Canceling a rental car for a road trip may not be a big deal, but business class flights and a nonrefundable cruise might be.

Credit card coverage only protects you if you use that card to pay for your travel. The Chase Sapphire Reserve® and The Platinum Card® from American Express also offer travel insurance benefits when paying with points, too. Terms apply. Using the right card for your trip can help save money on other potential travel insurance costs.

» Learn more: Best travel insurance options for older adventurers

What may seem like an unnecessary extra cost can actually help save the day in certain circumstances.

It can pay dividends to understand what your existing coverage includes (especially via a particular credit card) so that travelers over 65 make the most advantageous insurance decision for their trips.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Travel insurance

Best travel insurance for seniors in June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 5:35 a.m. UTC June 3, 2024

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Tin Leg and Trawick International offer the best travel insurance for seniors, according to our analysis of plans’ cost and coverage limits.

Best senior travel insurance plans of 2024

• Tin Leg: Gold
• Trawick International: Safe Travels First Class
• Seven Corners: Trip Protection Choice
• Generali Global Assistance: Premium
• Nationwide: Prime

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 840 coverage details evaluated.
• 84 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Top-rated travel insurance for seniors.

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, what you should know.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

• Excellent $500,000 per person in primary emergency medical coverage.
• Very good emergency medical coverage of $500,000 per person.
• Eligible for pre-existing medical condition exclusion waiver if conditions are met.
• “Cancel for any reason” coverage of 75% available.
• No “interruption for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Lowest baggage and personal item loss coverage of our top-rated senior plans.
• Lowest travel delay coverage of our top-rated senior plans.
• No rental car coverage option.

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

• Second-cheapest of our best senior plans.
• Best-in-class medical evacuation coverage of $1 million.
• Pre-existing condition coverage available if conditions are met.
• Baggage loss coverage of $2,000 per person is the best among our top senior plans.
• No “interruption for any reason” coverage upgrade available.
• Travel delay benefit takes 12 hours to kick in.
• Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

• Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
• Great “interruption for any reason” coverage of 75% available.
• The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

• Top-notch $1 million per person in medical evacuation coverage.
• Solid baggage loss coverage of $2,000 per person.
• “Cancel for any reason” coverage of 75% available.
• Baggage must be delayed for 12 hours before benefits kick in.
• Missed connection coverage of $1,000 per person only applies to cruises and tours.
• Emergency medical expense benefit is secondary coverage.

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

• If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
• High travel delay coverage of $2,000 per person ($250 per day limit).
• “Cancel for any reason” coverage of 75% is available.
• Low missed connection benefit of $500 per person for cruises and tours only.
• No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Via Compare Coverage’s website

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

• Trip cancellation insurance . 
• Trip delay insurance.
• Trip interruption insurance. 
• Travel medical insurance. 
• Emergency medical evacuation .
• Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

• Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19. 
• Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
• Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
• Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
• “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

• What is travel insurance?
• What does travel insurance cover?
• Average cost of travel insurance
• Is travel insurance worth it?
• Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• Best overall
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• Best for older travelers
• Best for affordability
• Best for annual plans
• Why You Should Trust Us

Best Travel Insurance for Seniors of July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Best Senior Travel Insurance Companies of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for age limits: TravelSafe Insurance
• Best for affordability: GeoBlue Travel Insurance
• Best for annual plans: Travel Guard

Top Travel Insurance for Seniors Comparison

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best Senior Travel Insurance Overall

Allianz travel insurance.

Allianz is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review .

Best Senior Travel Insurance for Expensive Trips

John hancock travel insurance.

John Hancock plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review .

Best Senior Travel Insurance for Age Limits

Travelsafe insurance.

TravelSafe is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers pre-existing condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit. With a great deal of flexibility, travelers don't have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers. 

Read our TravelSafe travel insurance review .

Best Senior Travel Insurance for Affordability

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance . Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors, earning it a spot among the best cheap travel insurance .

GeoBlue's policies cover travelers who are under 95 years old, offering sizeable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It's worth noting that while coverage for pre-existing conditions are available, it costs extra.

Read our GeoBlue Travel Insurance review .

Best Senior Travel Insurance for Annual Plans

Travel guard.

Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a pre-existing medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review .

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.
• Pre-existing condition coverage:  Can mean two different things: coverage for trip cancellations as a result of pre-existing conditions or medical expenses as a result of pre-existing conditions. Either way, policy must be purchased within a certain time frame from when you booked your trip, usually two or three weeks.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

When you purchase a travel insurance policy, you'll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you're not blindsided by unexpected claim denials. 

For example, if you're canceling a trip because unexpected work, you may not be eligible for coverage if you haven't worked at your company for long enough. Additionally, you should review your policy to ensure that your pre-existing condition is covered, as companies often have very specific language around what qualifies as a covered pre-existing condition.

Emergency assistance services

Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.

How to Pick Travel Insurance as a Senior Traveler

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Pre-existing conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a pre-existing condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers pre-existing conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover pre-existing conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Why You Should Trust Us: How We Reviewed Senior Travel Insurance

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers and how much coverage you receive. We also looked at the age limits for a company's policy. 
• Coverage for pre-existing conditions: Pre-existing conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for pre-existing conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Best Senior Travel Insurance FAQs

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for pre-existing conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane ticket and hotel stay are refundable, there's no need to purchase trip cancellation. 

All travel insurance companies included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

The best travel insurance for seniors is Allianz due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

Most travel insurance companies will have an age limit, often only insuring people 80 years old and younger. However, many of the insurance companies in our guide have higher limits or no age limit at all.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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You've worked hard your whole life and dreamed of traveling to several exotic locations. Now that you've retired, it's time to hit the road (or runway). Perhaps you want to travel with your spouse, join a group of older adults, or join family or friends on their vacations. The options are limited only by your pocketbook and your imagination.

In this guide, we'll cover travel tips for seniors, ways to save, and group trips to explore.

Senior Travel Tips

Before you travel, be sure to purchase travel insurance to cover unexpected events such as trip cancellations, medical expenses, lost luggage, and other incidents associated with travel. Since medical issues are more likely to come up for older travelers, it makes sense to purchase travel insurance in case the trip must be canceled due to a medical problem.

Pro Tip: Looking for travel insurance but don't know where to start? View our list of the best travel insurance for seniors in 2024 .

Check what your health insurance covers when you're out of the country. Many Medicare supplemental insurance plans do not provide coverage outside of the US. Travel insurance provides this much-needed coverage.

Although most people dream of traveling during retirement, according to a report,  Journey to Healthy Aging: Planning for Travel in Retirement , only 18% of Americans have specifically saved for retirement travel. This means that most Americans will need to be creative to fulfill their wanderlust after retirement.

Some ways you can save on travel and vacation costs include:

• Group trips : Because travel agencies purchase tickets in bulk, they can pass the savings on to you. Group travel is generally led by expert guides steering you towards the best things to do while at specific locales. If you're traveling solo, it's a great way to do so without feeling alone.
• Off-season travel : Since you're retired and no longer tied to a time clock, you have the flexibility of traveling during off-peak travel times. This allows you to take advantage of lower rates. Flights on Monday through Wednesday, especially those during the late morning or afternoon, cost less. Off-season travel gives you further savings on accommodations and attractions. Three great places to find discount flights are The Flight Deal, Secret Flying, and HolidayPirates.
• Honey travel : According to Travel+Leisure, Honey generally offers hotel discounts better than those you'll find on other booking sites.  Honey is a free service (a browser extension) that automatically searches for discounts and coupon codes.
• Senior discounts : Many organizations and retailers offer senior discounts, so be sure to inquire about them as you make reservations and as you travel. Members of AARP , AAA, and veterans' groups can receive discounts at hotels, airlines, tour providers, and car rental agencies. The National Park Service sells an $80 (plus a $10 handling fee) for a lifetime senior pass to those 62 and older. Some airlines offer a limited number of senior fares. Many hotels offer senior discounts .
• Stay at hostels : Hostels offer affordable places to stay when traveling. Hostels are popular with younger travelers, so be prepared to run into a lot of partiers during your stay. But as one senior shared, if there's too much activity in a hostel, they won't have lost much money should they decide to move on. Sites to help locate a hostel include Hostels.com, HostelWorld.com, Hosteling International, and Hostel Bookers.
• Stay at an Airbnb : An Airbnb offers someone's home as a place to stay instead of a hotel. Accommodations may be an entire home or someone's spare room. You can find unique accommodations ranging from a castle to an igloo.
• Additional resources : Kiplinger.com provides a list of sites for the best travel deals to help you save money. Cruise Sheet and Vacations To Go are great places to locate discounts on cruises, although they may not be senior-specific.  Intrepid, Kiwi Experience (New Zealand), Context Travel (walking tours), and BusAbout are great places to find discounts on tours and excursions, especially last minute. But again, they may not be senior-specific.

No matter what kind of organization or group you choose to travel with, it’s important to plan sufficiently for your trip. If you have special needs, touch base with the group to ensure they can accommodate your needs. The  Society for Accessible Travel & Hospitality  offers travel tips and access information for travel destinations. They also have a great listing of disability travel websites.

Senior Travel Groups and Clubs

• Senior travel clubs and groups :  Senior travel clubs/groups organize trips for members, offering vacation packages at great rates. It also provides a wonderful way for solo vacationers to travel with a group of like-minded seniors.  ElderTreks, Row Adventures, and Walking the World specialize in adventure travel, something many older adults are searching for. Before joining a club, be sure to check with the Better Business Bureau and read their literature, especially the fine print, to ensure the group you have chosen is reputable.
• Educational travel : Road Scholar is a not-for-profit organization and was once known as Elderhostel International .  It offers thousands of affordable learning adventures for adults, both nationally and internationally. Some scholarships are available for those who don't have the financial means to participate.
• Voluntourism : A volunteer vacation allows you to give back in a multitude of ways and enjoy various cultures, depending upon the organization you volunteer and travel with. The trips aren't free, but they are rewarding and provide an economical way to visit a particular area. National and international opportunities are available. Some organizations to check out include REI Adventures, American Hiking Society, Discover Corps, Global Volunteers, and Earth Watch. Many others are available.

Benefits of Senior Travel

Travel during retirement is more than an enjoyable activity. It's good for you!

• It keeps you active, and older adults who are more physically active have lower rates of high blood pressure, heart disease, stroke and many other diseases.
• It stimulates and challenges your brain as you encounter new people, cultures and environments.
• It reduces stress and improves your mood and outlook on life.
• It strengthens and deepens friendships.

And, it's just plain fun! So, get out and enjoy a vacation. You've earned it!

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According to the U.S. Census Bureau, the 70 and older population is expected to reach 53 million by 2030. Although mature drivers are more experienced, physical and cognitive decline as well as certain medications can put drivers more at risk for crashes.

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Travel Discounts for Seniors

W hether you’re visiting family or taking a vacation, there are many travel deals available for senior citizens . Some travel discounts for seniors can be found online, while others are available when you call or join an organization. Be ready to read the fine print and ask for details to make sure you are eligible for discounts. You will often be required to show proof of age, such as an ID or membership card.

Some of the senior travel discounts to consider include:

• Hotel senior discounts.
• Flight senior discounts.
• Train senior discounts.
• Car rental senior discounts.
• Cruise senior discounts.
• Admission senior discounts.
• AAA senior discounts versus AARP senior discounts.

Hotel Senior Discounts

Many chains and local hotels will grant older guests a discount. Ask when making a reservation or look as you book online. Here are a few hotel senior discounts to help you get started:

• Aqua-Aston Hospitality: Travelers age 50 or older can save up to 15% off the best available rate.
• Best Western: Guests who are 55 and older could get discounted room rates and free breakfast at participating locations.
• Cambria Suites: Offers up to 10% off to AARP members.
• Choice Hotel: Grants AARP cardholders and those 60 and older a 10% discount on advance reservations.
• IHG: Gives deals and discounts to guests who are 62 and older at participating locations.
• Marriott: Offers a senior discount rate to those age 62 and older.
• Red Roof: Gives a 10% discount to seniors 59 and older based on availability.
• Wyndham Hotels & Resorts: Grants guests who are at least 60 years old a senior rate at participating locations.

Flight Senior Discounts

In addition to airline miles you might accumulate through a credit card , look for senior deals when booking a flight. Some airlines change their policies occasionally, so it’s best to ask if you don’t see a discount offered online. Here are a few airline senior discounts to consider:

• Air France: Offers a senior pass to customers who are at least 65 years old. The pass costs 49 euros a year and includes benefits such as flexible tickets and discounts on flights.
• British Airways: AARP members can receive between $65 and $200 off round-trip flights.
• Delta: Provides a senior discount in certain markets. Call to ask about availability.
• JetBlue: Discounts of 5% for retired military and veterans are available for those enrolled in Veterans Advantage.
• ParkRideFly: Gives AARP members a 12% savings when booking airport parking.
• United Airlines: Offers a discounted price to passengers who are 65 and older for selected destinations.

Train Senior Discounts

If you want to see the U.S. or Europe by rail, there are special offers available to seniors. Look for online details or call ahead and ask. You could save between 10% and 30% on your next trip. Try these train senior discounts:

• Amtrak: 10% off most rail fares for travelers age 65 and older.
• Eurail Passes: 10% off for Europe train travel if you are 60 and older and purchase a Senior Pass.
• Grand Canyon Railway: Offers a 15% discount on train tickets to those who are 62 and older.
• Senior Rail Card: One-third off of UK rail travel for ticket purchasers who are 60 or older.
• Vacations by Rail: Gives a 5% discount and other benefits to AARP members.

Car Rental Senior Discounts

Many car rental locations will grant seniors a discount. When you rent a car, ask about deals based on age. Here are a few car rental senior discounts to try:

• Avis: AARP Members can save up to 30% off Avis base rates.
• Auto Europe: Gives a 5% senior discount to those who book online.
• Budget: Up to 30% off at participating locations, plus other benefits and offers for AARP members.
• Sixt: Provides a 5% discount for seniors who are 50 and older.
• Thrifty: Offers 5% off time and mileage charges to those age 50 and older.
• Hertz: Savings of up to 20% off base rates for travelers 50 and over at participating locations.
• ZipCar: Offers $20 off annual membership and a $40 driving credit to AARP members.

Cruise Senior Discounts

Some cruise lines will offer deals when you call and ask. Other discounts might be available on the website as you book a trip. Check out these cruise senior discounts:

• Carnival: Offers cruises for seniors age 55 and older at lowered rates, although exact prices depend on sailing dates and destinations.
• Collette Cruise Tours: AARP members can save up to $100 per person on select trips.
• Grand European Travel: AARP members can save up to $100 per person on certain guided tours.
• Royal Caribbean: Special prices are available on select cruises for guests aged 55 and older.

Admission Senior Discounts

When booking tickets for a concert, searching for a movie or getting ready to tour a museum or park, find out about senior deals. Many locations will grant a discount if you meet their age requirements and can show proof of age. You might find senior discounts for admissions at the following places:

• AMC Theatres provides a discount to ticket purchasers who are 60 and older at participating locations.
• America the Beautiful Senior Pass: $20 for an annual senior pass or $80 for a lifetime pass, which can be used at national parks and federal recreational lands.
• Art Institute of Chicago: Seniors age 65 and older receive a $8 discount.
• Metropolitan Museum of Art in New York City: $8 off ticket prices for seniors.
• Regal Theatres provides discounts to moviegoers who are 60 or older for certain performances.
• The National Baseball Hall of Fame: $6 discount on admission for seniors who are 65 and older.
• Ticketmaster: AARP members receive discounts on selected events.

AAA Senior Discounts Versus AARP Discounts

The American Automobile Association, commonly called AAA, charges an annual membership fee. In exchange, members receive roadside assistance and additional benefits. The classic membership costs $64.99 a year and provides standard towing, identity theft monitoring, emergency fuel delivery and discounts at over 100,000 locations, including hotels and restaurants. Members can expect to receive a discount for certain electronic products such as HP and Dell. They can get shopping discounts at retailers like Gopuff and 1-800-Flowers. There are also promotions available at LensCrafters and restaurants, including Hard Rock Café and Landry’s.

An AARP membership costs $12 for the first year with automatic renewal. For subsequent years, you’ll pay $16 annually. Members receive benefits related to products and services including insurance, health care, entertainment, travel, restaurants, groceries, and technology and wireless services. Retirees can connect with AARP communities in person and online. There are additional opportunities through AARP including help with job searches and volunteer positions.

When choosing between AAA and AARP, consider your location and lifestyle. There could be certain benefits with one organization that align with your preferences and budget . After joining one, remember to ask when booking if there are discounts available for your membership.

Copyright 2023 U.S. News & World Report

Pullman, Washington and Moscow, Idaho

The twin college towns of moscow and pullman offer something for everyone..

Nestled in the beautiful Palouse farmland is a cultural oasis with a thriving food scene (much of it sourced from local farms and ranches), indie shops, music and theater — to say nothing of the sporting events. Whether you’re headed this way to visit Washington State University or the University of Idaho, seeking seasonal fun or looking for a flavorful and scenic gateway between Washington state and northern Idaho, Moscow/Pullman is a Northwest gem.

Don’t miss the University of Idaho Arboretum & Botanical Garden , which is organized into regions of the world and is filled with benches and water features built for contemplation. The sweet scent of lilac fills the air in May when the arboretum’s more than 100 varieties begin to bloom. The approximately 750 hosta plants in the display garden — recognized by the American Hosta Society — are best from May through September, setting the stage for fall foliage. And did you know you can call a few days ahead to inquire about a personal tour?

Idler’s Rest Nature Preserve is the perfect place for a hike with the kids in an idyllic woods setting. Head up Moscow Mountain for the best views and trails for a variety of experience levels. Still not tired? Hit the Palouse Recreation Trails, more than 38 miles of pavement to skate, walk, run, stroll or bike to your heart’s content in a beautiful setting.

Or catch a show at the U of I, WSU, Pullman Civic Theatre or Regional Theatre of the Palouse. Stop in to the Kenworthy Performing Arts Centre for live theater, films, concerts, lectures and even Saturday morning cartoons from June through September. Wander through the 1886 McConnell Mansion (home to the historic society) and step into the past with help from exhibits and docents, but be sure to check the tour schedule in advance.

A walk down Moscow’s Main Street could keep you busy for hours browsing in its shops. Pullman and Moscow both have thriving farmers markets filled with the bounty of the region, including  huckleberries during picking season . If you’re not there on market day, don’t miss the Moscow Food Co-Op for a snack and some local produce.

On your way in and out of Moscow, take in stunning landscapes along the Palouse Scenic Byway in all months. Depending on the route and time of year, you might see colorful crops, old barns, snowy scenes and dramatic weather. But stick to paved highways instead of dirt roads when conditions are wet and wintery, and be prepared for poor cell phone coverage between towns.

Plan a detour to Steptoe Butte State Park Heritage Site, drive the spiraling road up to the 3,612-foot summit overlooking the Palouse and explore the 168-acre day-use park, home to some of the oldest rock in the Pacific Northwest.

–Written by Cara Strickland , last updated in September 2022.

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