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Best Travel Insurance for Seniors in 2020

Our experts reviewed and researched 17 travel insurance plans and narrowed the list to their top 10 recommendations.

The 3 Best Brands
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Top 10 Highest Ranked Travel Insurance Companies in 2020

Nothing quite complements the golden years like having the time and ability to travel anytime you please. However, when planning those vacations, it is essential to also invest in solid travel insurance. While it may be tempting to skip it and save more money for your vacation, seniors are highly advised against doing so. After all, anything can happen at any time before or during your adventures such as an injury, accident, delayed flights, lost baggage or the need to cancel the whole trip. Travel insurance can help protect you from huge financial losses in a number of situations. Not all policies are equal, nor are all companies. For this reason, we offer you the top 10 travel insurance companies for seniors to consider.

Here are the Best Senior Travel Insurance Plans for 2020

  • Allianz - With no age limits and an array of travel insurance protection levels, seniors can find peace of mind on their journeys with Allianz.
  • AAA - While AAA offers some travel protection options for members, many of their packages are carried under Allianz.
  • American Express - Seniors don’t have to be cardholders to invest in a reliable American Express travel insurance package.
  • AIG - Seniors seeking perks like concierge services during their vacation and moderate health coverage will find AIG to be a great value.
  • World Nomads - Serious travelers rave about the coverage and features of World Nomads, who cater to those who love intense adventures.
  • GeoBlue - GeoBlue is a good choice for seniors with health insurance who desire to travel short or long-term overseas.
  • CSA - Now under the name Generali Global Assistance, this company has 25 years of experience in travel insurance for domestic and international venturers.
  • Worldwide Insure - Worldwide Insure offers several plans designed for seniors traveling domestically and internationally.
  • AXA - AXA Travel Insurance is ideal for seniors who occasionally travel and for those looking for specialty adventure protection.
  • Nationwide - A newcomer to the travel insurance industry, Nationwide has a solid reputation for reasonable rates and fast claims processing.

How We Chose The Top 10 Travel Insurance Plans

We identified the top 17 travel insurance brands and narrowed it down to 10 of our favorites based on a number of criteria. We looked at affordability, service, ease of use and other factors to rank the best travel insurance on the market. Take a look at the systems we have deemed the best of the best.

17
Plans considered
2
Experts consulted
10
Plans selected
21
Hours of research
  • 1. Allianz
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    Allianz Travel Insurance offers several tiered plans that allow customers to customize packages and pay for on the coverage that is needed. Seniors will appreciate that there are no upper age limits to enjoy coverage, and that preexisting condition waivers can be purchased for many conditions. Upgrades for hazardous activities such as scuba diving can be purchased, as well. While coverage is only available for US residents, policyholders will be covered just about anywhere on the globe. Travelers can also upgrade their policy to cover rental car damage and any type of loss, and they’ll also get 24-hour emergency roadside assistance.

    Pros
    • Worldwide travel coverage
    • Upgrades for hazardous activities and car rentals available
    • No upper age restrictions for most products
    • Annual multi-trip insurance packages available to cover lost baggage and trip cancellation
    • Customizable tiered plans
    Cons
    • Medical coverage or repatriation not available for customers over 80
    • No pre-existing waivers for mental health issues
    • Only for US residents

    Pricing

    The price of Allianz Travel Insurance varies drastically depending on your destination, duration of travel, age and how much coverage you desire. On average, the OneTrip Basic Plan runs between $150-$250, while their top-of-the-line OneTrip Premier costs between $240-$300 for those in the senior age-rage.

    The Bottom Line

    Allianz offers customers a ‘cancel for any reason’ coverage in addition to hazardous activity and auto rental upgrades. Affordable annual travel plans are excellent for seniors seeking to travel extensively domestically and internationally. Overall, you’ll get solid coverage at reasonable rates with Allianz Travel Insurance.

  • 2. AAA
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    AAA Travel Insurance has become popular with many seniors even though it tends to be costlier than competitors that offer more. Furthermore, many policies sold by AAA travel insurance are actually fostered by Allianz Travel Insurance. That being said, AAA is a highly respected organization that is known for providing reliable customer service. The company currently offers four plans ranging the most basic travel coverage with no medical up to more inclusive options for families and seniors of all ages.

    Pros
    • No-nonsense policies to fit your needs
    • Generous medical evacuation coverage on upper tier polices
    • No age restrictions
    Cons
    • Lower tier policies don’t offer any medical or baggage coverage
    • Medical emergency coverage limitations are somewhat lower than competitors
    • Some policies sold through Allianz

    Pricing

    Package pricing varies dramatically depending on where you plan to travel, and high risk areas may cost more or have certain limitations. On average, one can get a decent amount of protection for about $100 per $50,000 in medical insurance coverage from AAA. Those who only want basic options for weekend or short getaways will find pricing reasonable.

    The Bottom Line

    Seniors looking for coverage from an affordable, senior focused company appreciate AAA’s travel insurance options. You will find coverage for trip cancellation, damaged or lost baggage, auto rental discounts and much more with AAA Travel Insurance.

  • 3. American Express
    Ease of use Excellent
    Service & Response Excellent
    Pricing Excellent

    Overview

    Seniors don’t need to cardholders to have a travel insurance plan with Amex. While they do offer some perks to current clients with card services, they also allow non-cardholders the opportunity to construct a personalized insurance policy or choose one of their existing pre-set packages. All of their options include a set level of trip cancellation/interruption, lost/damaged baggage and medical coverage for reasonable rates. Seniors that have a good deal of medical insurance already in place won’t mind American Express’ lower than average medical coverage.

     

    Pros
    • Great options for benefits for those with existing medical coverage
    • Fast claims process and 24-hour customer service
    Cons
    • Medical coverage tends to be on the low side versus competitors
    • No options for adventure travelers

    Pricing

    American Express offers four travel insurance packages: Basic, Silver, Gold and Platinum. Naturally, they ascend in price and coverage levels with each option. The Basic plan offers only $1000 of trip protection and $5000 of medical coverage, which can usually be added on for around $100. However, the upgraded plans vary in price depending on the traveler’s age and destination.

    The Bottom Line

    American Express Travel Insurance has a stellar reputation, and one would be hard-pressed to find many negative reviews. However, their policy’s low medical coverage limitations are something to consider before signing up. Ideally, this coverage is best for those looking for trip protection to complement their existing medical coverage.

  • 4. AIG
    Ease of use Above Average
    Service & Response Excellent
    Pricing Excellent

    Overview

    Travel Guard through AIG has a sterling reputation for friendly customer service and fast claims processing. Seniors appreciate that in addition to trip protection and medical records, that AIG Travel Guard also advances hospital fees right away and offers medical evacuation in emergencies. Furthermore, they provide identity theft assistance in incidences where your credit cards are stolen or defrauded while you’re traveling and also provide rental policies for vehicles.

    Pros
    • Advance money for hospital fees
    • Excellent customer service
    • Coverage for cancellations if the carrier or agency goes bankrupt
    Cons
    • Does not pay to replace lost prescriptions
    • Website can be cumbersome to use for checking claim status
    • Currently no online claim filing
    • Max payouts are below average for common conditions

    Pricing

    AIG Travel Guard provides an online quoting system, and on overage it appears that quotes are approximately 6% of the cost of your trip. Interestingly, this company does not only vary pricing by the customers age and destination but also on their state of residence. However, their pricing appears to be on par with competitors.

    The Bottom Line

    Seniors will like AIG’s straightforward policies, reasonable prices and their 24/7 professional customer assistance. AIG Travel Guard also offers translation services and phone concierge services that allows you to easily send flowers or arrange for booking excursions or tickets to shows. Senior looking for a good travel insurance policy with perks should consider AIG.

  • 5. World Nomads
    Ease of use Above Average
    Service & Response Excellent
    Pricing Above Average

    Overview

    World Nomads is ideal for seniors in the 65-70 year range, as this company caters to those in their active golden years. Highly endorsed by lonely planet and National Geographic, World Nomads was founded by a senior backpacker that understands the specific needs of independent vacationers. In addition to offering short and long-term travel insurance coverage with generous medical payouts for very reasonable prices, they also offer insurance for adventurous travelers who undertake high-risk activities. Not many travel insurance companies will do so.

    Pros
    • Allows coverage for up to 18 months and policies are extendable
    • Online claim forms
    • Coverage for dozens of adventure sports and activities
    • Covers terrorist attacks within 30 days of departure
    Cons
    • Designed primarily for those 70 and under with tight age restrictions
    • Pre-existing conditions aren’t covered

    Pricing

    As with other companies, pricing will vary depending on age, destination, date of travel and whether or not one chooses the Explorer Plan that covers medical incidents during high-risk activities. However, they do offer some of the best rates for international travelers hands down with comprehensive travel insurance plans. Quotes are available online.

    The Bottom Line

    World Nomad is ideal for seniors aged 70 and under who are looking to travel overseas or plan to undertake an adventure-filled journey. Seniors will like that World Nomad offers long-term plans up to 18 months, so expats might find this to be very useful. They offer convenient claim forms, and actually have a 30-day level of terrorist attack protection—a rare feature in travel insurance today.

  • 6. GeoBlue
    Ease of use Above Average
    Service & Response Above Average
    Pricing Above Average

    Overview

    GeoBlue is a company that seniors up to age 84 can obtain as an affordable way to get medical coverage, especially if you plan to travel outside of the US. GeoBlue Travel Insurance focuses on international health insurance plans and offers several options for overseas business trips, short and long-term travel, multiple-trip travel and coverage for those living abroad. The company has a solid network of health care providers who offer both non-emergency and emergency care.

    Pros
    • Generous age limitations serving seniors up to 84 years of age
    • Free global travel resources
    • Drug translation guides and medical term databases
    • Health and security updates in area of travel
    • Cashless appointments and no out-of-pocket costs upfront
    Cons
    • GeoBlue only serves US citizens
    • Only covers those leaving the country on their travels

    Pricing

    GeoBlue tends to offer spectacular rates to seniors traveling long term, and they appear to have the best prices for international travel on the list. The company offers online quotes that will vary depending on the date and length of travel, destination and the level of coverage desired.

    The Bottom Line

    GeoBlue Travel Insurance has been serving clients with quality international travel insurance since 1997, and they work in cooperation with the reputable Blue Cross Blue Shield company. Seniors who are heading abroad and want a supplemental policy for emergencies and traditional health care will want to give GeoBlue serious consideration.

  • 7. CSA
    Ease of use Above Average
    Service & Response Above Average
    Pricing Average

    Overview

    CSA Travel Insurance now operates under the name Generali Global Assistance, but they still offer the same quality customer service that they have for over 25 years. This company’s plans tend to offer more features and higher levels of coverage for less than average rates versus competitors. They provide emergency monetary reimbursements for stolen or lost prescriptions and offers customers traveling internationally consultation services with United States based doctors. Seniors who are serious travelers will discover that very few travel insurance companies offer as many features as Generali Global Assistance.

    Pros
    • Excellent for long term coverage overseas
    • Cash advances of $500 available
    • Coverage caps above average
    • Extra features available not found in other companies
    Cons
    • Medical services often require upfront payments and a claim filed
    • Geared towards international travelers

    Pricing

    Pricing for travel insurance with Generali Global Assistance will vary by the age of travelers and their destination. Overall, this company’s prices run much lower than competitors, and they offer generous benefits such as $3000 in lost luggage reimbursement. This can be a vital benefit to those traveling with expensive gear or equipment.

    The Bottom Line

    Seniors who love adventure, long-term travels or who plan to live overseas for a while will want to give Generali Global Assistance a hard look. Between the additional features, high payouts and the low price of their plans, this one is hard to beat for international travelers with a sense of adventure.

  • 8. Worldwide Insure
    Ease of use Above Average
    Service & Response Average
    Pricing Average

    Overview

    While Worldwide Insure offers policies for seniors 74 and under, those policies are limited and each has a variant of age ranges. That being said, seniors looking for something more straightforward might want to look past Worldwide Insure. However, those willing to mill through their multiple policies and restriction rules can find a decent deal with Worldwide Insure. They offer many options including coverage for those wanting to participate in risky adventures or winter sports.

    Pros
    • Many policies to choose from
    • Decent rates for long-term coverage
    Cons
    • No coverage for airline failures
    • No coverage options for pre-existing medical conditions
    • Many age restrictions for policies

    Pricing

    While Worldwide Insure doesn’t consider the state you live in, they do consider age, destination, time of travel and of course, the policy you choose. They have more than a half a dozen options, and you can call customer service or receive a quote online to find a package that meets your needs and age requirements.

    The Bottom Line

    Seniors looking for a number of versatile packages designed for both short and long-term travel domestically or internationally might find Worldwide Travel to be a good fit. However, it is recommended to create your policy with a travel professional or through customer service due to the number of restrictions.

  • 9. AXA
    Ease of use Average
    Service & Response Average
    Pricing Average

    Overview

    AXA Travel Insurance offers comprehensive travel insurance with a wide array of amenities and coverage options that will appeal to seniors. They offer four level of coverage: Silver, Gold, Platinum and an Adventure Package. The first three plans are ideal for seniors who simply want to travel domestically or internationally with greater peace of mind. However, the Adventure Plan is geared towards seniors seeking thrills on their journeys.

    Pros
    • Additional coverage available for property protection, identity theft services and concierge
    • 24/7 phone assistance around the globe
    • Adventure packages available
    Cons
    • Adventure plans are less robust concerning covered sports and outings

    Pricing

    Pricing will depend on age, destination, date of travel and how much coverage you desire. Of course, the more coverage you purchase the more you will pay overall. However, occasional and long-term travelers can enjoy really great rates with AXA Travel Insurance.

    The Bottom Line

    Overall, seniors will find AXA Travel Insurance useful for comprehensive coverage while on vacation. However, it is very important to review each plan very carefully, as they tend to vary dramatically in coverage and amenities. We recommend the Gold Plan for maximum coverage at a good rate.

  • 10. Nationwide
    Ease of use Average
    Service & Response Average
    Pricing Average

    Overview

    One of the nation’s oldest insurance companies has recently delved into the world of travel insurance policies. Nationwide Travel insurance currently holds a strong A+ rating with the Better Business Bureau, and they focus primarily on three types of travel insurance products: single trip insurance, annual insurance and cruise trip insurance. Seniors familiar with Nationwide or who currently have Nationwide Insurance policies can feel confident in choosing this company for travel insurance needs.

    Pros
    • Policies include free educational programs
    • Fast 24/7 customer service via phone
    • Comprehensive coverage policies
    Cons
    • Very few online tools
    • Cancellation policy is highly restrictive

    Pricing

    Nationwide’s website doesn’t offer pricing models without requesting a quote, as they need details of your travel plans and your age before offering a solid price. However, they can lean a bit towards the high side and might offer discounts to current policy holders for other goods such as property or auto insurance.

    The Bottom Line

    Seniors looking to get travel insurance from a trusted company they know might feel good about a Nationwide Travel Insurance Policy. Between their comprehensive coverage options, concierge phone services and free educational programs, Nationwide is company you can feel confident in trusting for your next adventure.

What is Travel Insurance?

Travel insurance is designed to protect travelers from financial losses that are often incurred due to unexpected events either before or during a trip. Policies are typically designed to cover two major types of events like medical coverage and trip insurance. However, other policies can reach into other categories such as lost luggage and other benefits such as:

  • Rental Car Protection
  • Prescription Replacement
  • Emergency Evacuation
  • Repatriation to Home Country
  • Concierge Services

What Does Travel Insurance Cover?

Again, a senior’s primary focus when considering travel insurance are medical and trip protection coverage.

Vacation Medical Coverage

Medical insurance policies from your normal coverage carrier often will not cover incidences during international travel, making coverage a must for seniors going overseas. After all, some of the pricing of health care in other countries surpasses even ours, and one doesn’t want to wipe out their savings due a medical emergency on a vacation. While most policies won’t cover pre-existing conditions, they typically do cover emergency medical treatment, emergency medical evacuation, repatriation home in case of death and accidental death and dismemberment coverage.

Trip Insurance Protection

This is a very affordable way to protect your investment in a planned vacation, as trip insurance often includes trip interruption and trip cancellations in case you must put your trip off. This will help prevent losses from non-refundable deposits even if you have to return home early from your travels. Trip insurance is a must for even domestic or short-term trips.

Other Coverage

Again, baggage loss or damage can be expensive, so it’s wise to find a policy that covers that or offers additional coverage add-ons. Those seeking adventures, rental car discounts, dental coverage, prescription replacement and other perks will want to search each company carefully to find an ideal travel insurance plan.

How Much Does Travel Insurance Cost?

It cannot be reiterated enough that travel insurance is typically well worth the cost as long as you choose a top-rated company with reliable service and claims processing. The total cost of these travel insurance policies will vary drastically depending on the aforementioned factors such as age, destination, time of travel, level of coverage, etc. It is wise to get quotes from several companies and comparing their options prior to making a final decision.

Why is Travel Insurance a Good Investment for Seniors?

Travel insurance is not only a good investment for seniors, it is a must—especially for those planning to travel overseas or long-term whereas current policies will offer no or minimal coverage. Anything can happen before departure, such as an illness or a sick relative. Flights can be delayed or canceled, throwing off your entire plans including connecting flights, hotels and pre-planned transportation. This can get costly fast. Travel insurance helps protect against these barricades in addition to providing a certain level of medical care. Don’t risk spending thousands of dollars on a vacation that you ultimately cannot take or get caught overseas with an illness without this valuable care.