Best Travel Insurance for Seniors
Seniors should consider plans that offer high maximums for medical coverage when shopping for travel insurance.
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Updated · 5 min read
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Even the best-planned trips come with a certain level of stress, and travel insurance can ease the anxiety around the “what ifs,” no matter your age.
Of course, finding the right travel insurance can feel like a daunting item on the travel to-do list. What works at 35 may not be the best fit at 70 and beyond, especially as more travelers fully embrace the “go and slow” years.
To help save time, and allow you to focus on travel experiences instead of travel troubles, we’ve done the research and identified four travel insurance companies that are best for travelers ready to thoroughly enjoy this next chapter:
- Faye.
- HTH Worldwide.
- iTravelInsured.
- John Hancock.
What we considered when picking the best travel insurance for seniors
There are many companies and types of travel insurance policies to choose from.
NerdWallet collected data from dozens of companies that sell travel insurance. To help narrow down the options, we looked at these specific items in a company’s basic or lowest level plans.
- High emergency medical assistance and emergency medical evacuation limits.
- Availability of condition coverage as an included part of the plan.
- Cancellation and delay coverage included in the plan.
- Cost.
- Ability to customize and add on to the policy.
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What to know before you shop
Before you decide to purchase a travel insurance plan, compare several policies since the costs and coverage vary widely.
Also, consider the type of vacation you’re taking and the possible risks involved. For example, think about a land tour through Western Europe and a river cruise in Cambodia. Areas in Cambodia are much more remote, therefore a higher emergency medical evacuation coverage amount might be important to you. In Western Europe, travelers can access more high-quality medical facilities, so evacuation might not be as high on your list of requirements.
🤓 Nerdy Tip
If you travel several times a year, an annual travel insurance policy might make more sense than buying a policy for each trip. To quickly compare several insurance companies and plans in one place, aggregator Squaremouth can help. Just a few details about you and the coverage you’re looking for, and the results are just a click away.
One note, Squaremouth does not look at all travel insurance companies. For example, providers like Allianz and Faye are not included, but ranked highly in NerdWallet analysis.
Also, don’t forget to look at your credit card benefits. Some cards offer coverage if you use that card to pay for your trip.
An overview of the best travel insurance for older adults
For comparison purposes, we looked at quotes for a 65-year-old woman from Nebraska who was going to Italy for 10 days in September 2026. The trip cost was $8,000 and the initial deposit was made on September 24, 2025.
We also selected $50,000 or more in emergency medical coverage, at least $250,000 in medical evacuation and the ability to cover pre-existing conditions.
Remember, the coverage can change depending on the traveler’s age and their state of residence.
Here’s what we found.
| Company | Price for lowest level plan | Best for |
|---|---|---|
| Faye | $442.79. | Having an app to handle all your needs. |
| HTH Worldwide | $628.43. | Very high medical evacuation limit. |
| iTravelInsured | $379.64. | Lowest cost and many add-ons. |
| John Hancock | $616. | Can increase coverage limits. |
Among the four companies, the average cost was $516.72. If cost is the only factor, the plan from iTravelInsured is cheapest at $379.64. The priciest is from HTH Worldwide at $628.43.
Top travel insurance options for older adults
Based mainly on high coverage limits for both emergency medical assistance and evacuation, NerdWallet recommends four companies (in alphabetical order.)
Faye
Faye offers travel insurance and medical coverage through its plans, with several add-ons.
For the trip to Italy, travel insurance from Faye was $442.79.
One thing that stands out for this plan is its high coverage limit of $250,000 for emergency accident and sickness medical expenses, offered as primary insurance. Being the primary insurer is a big advantage, meaning Faye reimburses you first, so you don’t have to file claims with other insurers before filing with Faye. Plus, the emergency medical evacuation coverage is $500,000, which is higher than many plans.
Faye plans cover pre-existing conditions as long as you buy the policy within 14 days of making an initial deposit for the trip and are medically fit to travel when you buy it.
Trip cancellation and interruption coverage are also included in the plan. Other features that make this plan a worthy option are the available add-ons, like Cancel for Any Reason, pet care, $50 for each lost passport or credit card and rental car coverage.
While there are many different options to customize the policy, there is only one plan available. Faye also has an app you can use to file a claim, get assistance, access telemedicine doctors and receive reimbursements.
HTH Worldwide
HTH Worldwide has both health insurance plans and others that include cancellation and evacuation coverage.
For the Nebraskan’s trip to Italy, the coverage for the TripProtector Classic plan is $628.43.
That includes $250,000 in medical coverage and $1 million in medical transportation. That is a large amount of coverage for a lower-level plan.
Coverage for pre-existing conditions is available if the plan is purchased within 21 days of making the initial deposit for the trip. One thing that is not available on the Classic plan is Cancel for Any Reason coverage. It is available on a higher-priced Preferred plan.
The Classic plan doesn’t allow for additional add-ons, so it’s not as customizable as lower level plans from other companies. HTH Worldwide offers an mPassport app that includes information about doctors, pharmacies, drug translations, safety alerts and other plan information.
iTravelInsured (part of IMG)
iTravelInsured has several plans under the IMG name. IMG has been providing insurance and assistance services around the world since 1990.
The iTravelInsured Choice plan for the 10 day trip to Italy would cost $379.64
The plan includes up to $100,000 in medical coverage per person and up to $500,000 in medical evacuation coverage. It also includes cancellation and interruption coverage. Cancel for Any Reason coverage is available as an add-on.
The Choice policy summary says it is for everyone and is “well-rounded coverage for common mishaps like trip cancellation and trip interruption, delays, lost baggage, and much more.”
The ability to add extras like Cruise Protection and Sport Protection makes this policy even more attractive. Cruise Protection covers things like itinerary changes and illnesses onboard, while Sport Protection covers lost or delayed sports gear, like golf clubs, and increases medical coverage for injuries from adventure and extreme sports. If you’re taking a cruise, iTravelInsured has a cruise only plan that covers things like an itinerary change.
This policy also includes telehealth benefits, so if you’re not feeling great while traveling but don’t necessarily want to go to a doctor in another country, you can connect to a doctor in the United States via a telehealth appointment.
John Hancock
Travel insurance plans from John Hancock are customizable and there are three different options, Gold, Silver and Bronze. The Bronze plan is $616 and includes $50,000 in coverage for emergency accident and sickness medical expenses, and $250,000 for medical evacuation or medically necessary repatriation.
You can add Cancel for Any Reason coverage or rental car coverage. Pre-existing conditions are covered if the policy is purchased within 14 days of making the initial deposit.
Best travel insurance for older adults recapped
Shopping for travel insurance can be a bit confusing because of all of the options. As an older traveler, it’s important to make sure the policy meets your needs.
Look for coverage for any pre-existing conditions you might have as well as higher limits for medical care and medical evacuation.
Compare options and choose the coverage that will allow you to enjoy your trip, knowing that the unexpected will be covered.
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 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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