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Able2Travel Travel Insurance

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Senior Travel Insurance

  • Cancer Travel Insurance
  • Diabetes Travel Insurance
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Able2Travel Travel Insurance explains travel insurance cover for people with Pacemakers.

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Travel Insurance for People with Pre-existing Medical Conditions

  • 1,000s of Medical Conditions Covered
  • No Age Limit on Single Trip policies - for areas 1, 2, & 3
  • Emergency Medical Expenses - up to £10,000,000
  • Trip Cancellation - up to £5,000

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Great Value Travel Insurance

Travel Insurance that covers you and your medical conditions

Single Trip or Annual Multi Trip Cover

Quick and easy Travel Insurance with a wide range of options

Need Help? Call us on 01483 806 826 or click here and we'll call you back

  • Policy Documents
  • Pre-Existing Conditions FAQs

Policy Summary:

3 Options available including: Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance... see all

Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you

Over 50s Travel Insurance with Pre-existing Medical Conditions

Over 50s Travel Insurance

Able2Travel Over 50s Travel Insurance

At Able2Travel Travel Insurance, we understand that getting older doesn’t mean you lose your appetite for travelling. That’s why we offer both Single Trip and Annual Multi-trip travel insurance policies for the over 50, enabling you to keep on doing what you love.

As we get older, it can become increasingly difficult to find suitable travel insurance just because of our age, even if we are still in good health. It is believed that with an increase in age, comes an increase in risks of accidents or falling ill abroad and pre-existing medical conditions. So, we want to ensure you and your loved ones are protected should the unforeseen happen during your holiday.

Whether you suffer with any pre-existing medical conditions or not, we provide an affordable holiday insurance for over 50.

Why Choose Able2Travel Over 50s Travel Insurance?

Able2Travel Travel Insurance has over 20 years of experience in finding travel insurance cover for over 50s travellers or travellers with medical conditions.

So whether you are looking for travel insurance for high blood pressure, a heart condition or for another medical conditions, you can be assured of receiving a fast, sensitive and competitively priced travel insurance solution that does not get in the way of your travel plans.

Please note: Able2Travel Travel Insurance provides cover for people up to the age of 79 on an annual multi-trip basis.

There is  No Age Limit on Single Trips for areas 1-3 and up to 79 years of age for area 4. Please refer to the policy wording for more information on territorial limit areas 1-4.

Looking for Cruise Travel Insurance for Over 50s?

If you are going on a cruise, you will need to add our Optional Cruise Cover to your over 50s holiday insurance policy, to ensure you have specific cruise related cover for your cruise trip. There are many other options that you can select to design a policy to help to meet your individual needs.

What Medical Conditions Has Able2Travel Travel Insurance Covered in the Past?

Able2Travel has previously provided holidays insurance for over 50s with a wide number of common and severe medical and health conditions, including:

  • Asthma / COPD
  • Breast Cancer
  • Heart Attack
  • High Blood Pressure
  • Kidney Disease / Dialysis
  • Skin Cancer
  • Bowel Cancer
  • Crohn's Disease
  • Heart Disease (and other heart conditions)
  • High Cholesterol
  • Prostate Cancer
  • Stroke / TIA

...and many more

If you have been diagnosed with any of these pre-existing medical conditions, it is important you declare them when taking out your travel insurance policy with Able2Travel. If you do not declare your pre-existing health condition, it can make your travel insurance policy invalid when it comes to making a claim.

To declare your medical conditions for your travel insurance policy, you can do it by completing our medical screening process online. Alternatively, you can speak with one of our specialists by the phone to complete this process.

Are You Looking for Travel Insurance While on a Waiting List?

If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.

We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.

To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on  +44 (0)1483 806 826  to speak with one of our specialists.

What Does Our Able2Travel Over 50s Travel Insurance cover?

Our over 50s travel insurance with pre-existing medical condition offers competitive protection for your trip including a wide range of policy benefits such as:

  • Emergency Medical Cover – up to £10 million
  • Travel Accident - up to £20,000
  • Baggage - up to £3,000
  • Travel Delay & Missed Departure - up to £1,000

Other Areas of Cover Included as Standard

  • Cover for 1,000s of Medical Conditions
  • Loss of Travel Documents - up to £500
  • Plus so much more...

Additional Cover Available

  • Optional Cruise Cover - Including Missed Port Cover
  • Optional Sports Cover

Click here to see the full Able2Travel Travel Insurance Table of Benefits.

What COVID Cover Is Available on Able2Travel Travel Insurance for Those With Medical Conditions?

All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:

  • Section A – Trip Cancellation
  • Section B – Trip Interruption
  • Section C – Travel Delay & Missed Departure
  • Section F – Emergency Medical Cover/Dental Cover Abroad
  • Section G - Emergency Transportation

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording .

Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.

Over 50s Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of travel insurance cover for both Single Trip and Annual Multi-trip policies, enabling you to pick a policy that is suited for your individual needs.

The policy features table below will help you understand the different features on Single and Annual Multi-Trip travel insurance policies depending on the level of cover that you choose.

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

If you would like to contact us either email us at: [email protected] , or call us on +44 (0)1483 806 826 .

How do I get an Over 50s Travel Insurance Quote?

It’s quick and easy to get an Able2Travel Over 50s Travel Insurance with Medical Conditions quote: just click the ‘Get a Quote’ button to get a quote online, or if you prefer to speak with someone then you can call our team direct on 01483 806 826.

All over 50s travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our specialists have access to a wide range of travel insurance options and will assist you in finding cover for all medical conditions, not just travel insurance for the over 50s. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the cover you need with one call to Able2Travel Travel Insurance.

For an over 50s travel insurance quote, please call 01483 806 826 or click the button below!

Get An Instant Travel Insurance Quote

Prefer to talk to us, additional travel insurance policy options for seniors, cruise cover option, winter sports cover option, sports travel insurance.

Cruise Cover Option

Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.

Winter Sports Cover Option

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.

Sports Travel Insurance

Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!

Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

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The Best Senior Travel Insurance for 2024

annual multi trip travel insurance over 50

Trawick International »

annual multi trip travel insurance over 50

Allianz Travel Insurance »

annual multi trip travel insurance over 50

AIG Travel Guard »

annual multi trip travel insurance over 50

Nationwide Insurance »

annual multi trip travel insurance over 50

WorldTrips »

annual multi trip travel insurance over 50

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

  • Trawick International
  • Allianz Travel Insurance
  • AIG Travel Guard

Key takeaways

  • Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost.
  • Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
  • Older travelers may also want to look for travel insurance plans that cover preexisting medical conditions.
  • Some plans for seniors let individuals add on cancel for any reason (CFAR) coverage that reimburses up to 80% of prepaid travel expenses when a trip is canceled for any reason at all.

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

U.S. News compared more than 20 of the top travel insurance companies to find the top plan options for seniors and retirees. This list does the heavy lifting for you as you search for the best senior travel insurance, so read on to learn about the top picks.

  • Trawick International: Best Overall
  • Allianz Travel Insurance: Best Cancel for Any Reason
  • AIG Travel Guard: Best Annual
  • Nationwide: Best for Cruises
  • WorldTrips: Best Budget
  • GeoBlue: Best Medical

Incredibly high limits for medical expenses and emergency evacuation

Customize plan with optional CFAR coverage

Coverage is for trips up to 30 days if you're ages 80 and older

  • Up to $15,000 in trip cancellation insurance
  • Up to $22,500 in trip interruption coverage
  • Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
  • Up to $1,000 for missed connections
  • Up to $150,000 for emergency medical expenses
  • Up to $1 million in emergency medical evacuation coverage
  • Up to $750 in emergency dental coverage
  • Up to $2,000 in coverage for baggage and personal effects
  • Up to $400 for baggage delays of 12-plus hours

SEE FULL REVIEW »

High reimbursement for CFAR coverage

Coverage for preexisting conditions is offered

Relatively low limits for baggage delays

  • Trip cancellation coverage up to $100,000
  • Trip interruption coverage up to $150,000
  • Trip change protector coverage up to $500
  • Emergency medical coverage up to $50,000
  • Emergency medical transportation coverage up to $500,000
  • Baggage loss coverage up to $1,000
  • Baggage delay insurance up to $300
  • Travel delay coverage up to $800 ($200 daily limit)
  • $100 per day in SmartBenefits coverage per person for fixed inconvenience payments
  • 24-hour hotline for assistance
  • Concierge services
  • Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Year-round comprehensive travel insurance coverage

Generous limits for medical and emergency medical evacuation

Does not include trip cancellation coverage

  • Up to 100% of insured trip cost for trip interruptions (maximum of $2,500 per trip)
  • Up to $1,500 for trip delays ($150 per day)
  • Up to $500 for missed connections caused by delays of at least three hours
  • Up to $2,500 for lost baggage
  • Up to $1,000 for baggage delays of 12-plus hours
  • Up to $50,000 for travel medical coverage ($500 dental sublimit)
  • Up to $500,000 for emergency evacuation and repatriation of remains
  • Up to $50,000 for accidental death and dismemberment (AD&D)
  • Up to $100,000 for security evacuation coverage

Nationwide »

Cruise-specific coverages and benefits

High limits for medical expenses and emergency evacuation

May be expensive compared to other coverage options

  • Trip cancellation coverage up to 100% of prepaid trip cost
  • Trip interruption coverage up to 150% of prepaid trip cost
  • Trip interruption for any reason (IFAR) coverage worth $1,000 if conditions are met
  • Missed connection coverage up to $2,500 for delays of three-plus hours
  • Trip delay coverage up to $1,000 for delays of six-plus hours
  • Itinerary change coverage worth $250 to $1,000 (depending on reason for change)
  • Emergency medical coverage up to $150,000 (secondary with $750 dental sublimit)
  • Emergency medical evacuation coverage up to $1 million
  • Up to $25,000 for AD&D
  • Up to $2,500 in coverage for lost or stolen baggage ($1,000 maximum for special items and $500 limit per article)
  • Baggage delay coverage up to $1,000 for delays of six-plus hours
  • Nonmedical evacuation coverage up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

  • Up to $1 million in emergency evacuation coverage
  • Medical benefits like hospital room and board, chiropractic care, and more
  • Coverage for repatriation of remains
  • Up to $25,000 in personal liability coverage
  • Up to $10,000 in trip interruption insurance
  • Up to $1,000 in coverage for lost checked luggage
  • Up to $100 per day in coverage for travel delays of 12-plus hours
  • Up to $1,500 in coverage for bedside visits
  • Up to $100,000 in coverage for emergency reunions

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

Medical-only coverage

  • Preventive and routine care
  • Professional services like surgery
  • Inpatient medical care
  • Ambulatory and therapeutic services
  • Rehabilitation and therapy

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

Table of Contents

The 11 best annual travel insurance policies, what is annual travel insurance, is annual travel insurance worth it, how much do annual travel insurance policies cost, does credit card travel insurance apply annually, choosing an annual travel insurance policy, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

GeoBlue Trekker Choice

GeoBlue Travel Insurance annual plan comparison chart

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

GeoBlue Trekker Essential

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic

Trawick International Safe Travels Annual Basic page banner

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

Trawick International Safe Travels Annual Deluxe

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

Allianz Travel AllTrips Basic Plan

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz Travel AllTrips Prime Plan

Allianz AllTrips annual plan options

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

Allianz Travel AllTrips Executive Plan

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz Travel AllTrips Premier Plan

Allianz AllTrips Premier start quote page

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

AIG Travel Guard Annual Travel Insurance Plan

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity Voyager Annual Travel Insurance

ASI Affinity Voyager annual plan

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

Seven Corners Travel Medical Annual Multi-Trip

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

A Plan That Didn’t Make Our List

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

How Annual Travel Insurance Works

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

When To Buy an Annual Travel Insurance Policy

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

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What Annual Travel Insurance Policies Do and Don’t Cover

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Understanding Trip Length Rules

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

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Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

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Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

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Best Travel Insurance for Seniors of November 2024: Travel Insurance Coverage & Tips for Seniors

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 travel 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, though 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 preexisting 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, with 100% trip cancellation coverage, up to 150% trip interruption, and up to $250,000 in medical expense coverage. All of John Hancock's three tiers of coverage offer preexisting condition waivers , as long as you purchase your policy within 14 days of your initial trip deposit.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) .

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 preexisting 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 preexisting conditions are available, it costs extra.

Read our GeoBlue travel insurance review .

Best Senior Travel Insurance for Annual Plans

Travel guard.

AIG Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan, which will cover an unlimited number of trips within a year as long as your trip is under 90 days long. Premiums for AIG Travel Guard are a flat $259, regardless of your age.

This annual travel insurance policy comes with a maximum of $2,500 for trip interruptions, $50,000 for travel medical expenses, and up to $500,000 for emergency evacuations and repatriation of remains. Notably, AIG Travel Guard's annual plan does not cover trip cancellations. Additionally, AIG does not offer preexisting medical condition waivers for annual plans.

Read our AIG Travel Guard travel 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.
  • Preexisting condition coverage:  Can mean two different things: coverage for trip cancellations as a result of preexisting conditions or medical expenses as a result of preexisting 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 Senior Travel Insurance

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 preexisting condition is covered, as companies often have very specific language around what qualifies as a covered preexisting 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 U.S.
  • 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.
  • Preexisting 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 preexisting 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 preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting 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 preexisting conditions: Preexisting 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 preexisting conditions.
  • Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates. We also looked at how travel insurance companies price senior travel insurance compared to travel insurance for younger travelers.
  • Benefits for 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 Business Insider's travel insurance rating methodology .

Best Senior Travel Insurance FAQ

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. Seniors can also look into multi-trip insurance, which can save you money if you're planning multiple trips in a year.

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 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.

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.

Travel insurance can be worth the extra cost for older travelers, especially if they're traveling internationally or are taking a particularly expensive, nonrefundable vacation.

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Over 50s Travel Insurance

Travel insurance for over 50s.

When it comes to travelling, age really is just a number. However, it can often mean more time (and money) to spend visiting the places you’ve always dreamed of. Having over 50s Travel Insurance to cover you during your trip could give you the peace of mind needed to fully relax while on holiday. Wherever you’re heading next, you should make sure you have the best over 50s Travel Insurance in place for you, with cover for any pre-existing medical conditions and no upper age limit so you can enjoy your holiday knowing you are safeguarded with over 50s Travel Insurance .

Why Choose Just Travel Cover for Your Over 50s Travel Insurance

At Just Travel Cover, we can provide Travel Insurance for over 50s – in fact there’s no upper age limit, and we can cover hundreds of pre-existing medical conditions too. We’ll compare insurers for you to find a policy that suits your needs,  including policies that cover medical conditions and your age over 50.  There are usually bronze, silver and gold options, so you can find the best over 50s Travel Insurance for your budget and travel needs. Nobody likes to think that something will go wrong while on holiday, but it is best to be prepared. If you’re an over 50s traveller, finding over 50s Travel Insurance will ensure you’re covered.

Get Cover for Pre-Existing Medical Conditions Over 50

If you’re an over 50s traveller and have a pre-existing medical condition, we can help you find over 50s holiday insurance with medical conditions cover so you can travel with confidence. When declaring your pre-existing medical condition to your Travel Insurance provider, it is important to spare no details about your condition. By being thorough in your explanation, you can rest easy knowing your over 50s Travel Insurance with medical conditions cover is the right policy for you.

The Best Over 50s Travel Insurance for You

If you are looking for the best over 50 Travel Insurance for your travel requirements, look no further. In 2023, Just Travel Cover was awarded ‘Best Travel Insurance Provider’ at the Insurance Choice Awards, chosen by our customers! When you secure over 50s Travel Insurance with us, you can rest assured that you are securing a policy that caters to your age and medical conditions with substantial cover.

Over 50 Travel Advice

Compare over 50 travel insurance, over 50s life insurance.

We’ve teamed up with the UK’s number 1 rated Life Insurance experts iam|INSURED.

Specialising in Guaranteed Over 50s Life Insurance and Life Insurance for those with pre-existing medical conditions, iam|INSURED’s team of highly skilled experts can help find the best policy for you.

Over 50s Travel Insurance FAQs

Frequently asked questions about our Over 50s Travel Insurance.

What does over 50s Travel Insurance cover?

Over 50s Travel Insurance can protect you against medical emergencies or unexpected situations whilst you’re away. At Just Travel Cover we work with specialist insurers to make sure you are protected against the unforeseen, from losing your luggage to needing emergency medical treatment abroad, holiday insurance for over 50s will have you covered.

Where can I go with over 50s Travel Insurance cover?

Anywhere. With our over 50s Travel Insurance it is easier than ever to travel more and make sure you’re fully protected for your needs. We offer Single Trip Travel Insurance which will cover you for a trip up to 365 days and our Annual multi trip Travel Insurance offers protection for unlimited trips, with each trip up to 93 days long.

Do pre-existing medical conditions affect the cost of over 50s Travel Insurance?

Travelling at 50 or over with pre-existing medical conditions may be more expensive due to the increased chance of needing emergency medical treatment abroad – the cost varies from country to country. Having over 50s Travel Insurance that covers emergency medical cover, including pre-existing conditions, could save you thousands in medical bills.

How much does over 50s Travel Insurance cost?

The cost of over 50s Travel Insurance all depends on your own individual circumstances and needs. Travel Insurance prices will vary based on age, destination, trip length and medical history. We offer three options bronze, silver and gold from a range of insurers, to allow you to choose the best policy for you.

Is Travel Insurance for Over 50s more expensive?

There are a number of factors, such as age, destination, trip length and medical history, that can affect the amount you pay for a Travel Insurance Policy. Once you have submitted your details, we will prepare a personalised quote comparing several insurers. This will provide a full list of prices so you can choose the best over 50s Travel Insurance policy  that is suitable for your needs at an affordable price. It may be the case that your over 50s Travel Insurance is more expensive, but this will be determined by a host of other factors, so speak with one of our Travel Insurance experts today.

What pre-existing conditions do you cover for over 50s?

We offer over 50s Travel Cover for a number of medical conditions at all levels of severity, including a terminal prognosis. Some of the conditions we cover are heart conditions, high blood pressure, cholesterol, joint problems (arthritis, back pain), diabetes, cancer, mental health conditions, liver conditions, breathing conditions, circulatory conditions and disabilities, to name but a few.

It is important to declare all pre-existing conditions to ensure you are fully covered in the event of a claim. We will then work on your behalf to find a suitable over 50s Travel Insurance policy.

Simply follow our online medical screening process, call us or for any other questions, drop us a message on our online chat! We are experienced in helping people find over 50s holiday insurance with medical conditions cover, so we can help you too.

Will Just Travel Cover compare Over 50s Travel Insurance on my behalf?

Yes, we work with a panel of specialist providers here at Just Travel Cover. Once you have submitted your details online (or provided over the phone), we will show you all over 50s Travel Insurance options available to you. We have three levels of cover bronze, silver and gold, each offering varying levels of cover depending on your needs.

  • Single Trip Travel Insurance for over 50s – for trips up to 365 days
  • Annual multi trip Travel Insurance for over 50s – for unlimited trips (each trip up to 93 days)
  • Hundreds of pre-existing medical conditions, including terminal prognosis covered
  • High levels of cancellation and emergency medical expenses cover
  • Travel disruption cover (subject to age and cover level)
  • Lost documents, baggage, medications and medical aids cover
  • Flexibility – 3 levels of cover to suit your needs
  • Travel companions can be included in the same policy
  • Zero excess policies available

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  1. The 5 Best Annual Travel Insurance Plans of 2024 - U.S. News ...

    Best for Medical: Seven Corners' Trip Protection Annual Multi-Trip plan provides up to 364 days of coverage, although individual trips must last 40 days or less (or 30 days for customers who ...

  2. Best Annual Travel Insurance | Expert Picks 2024 - Forbes

    The 3 Best Annual Travel Plans for 2024. Best for Travel Medical Insurance – GeoBlue Trekker Choice. Best for Cost – GeoBlue Trekker Essential. Best for Trip Cancellation – Trawick ...

  3. Over 50s Travel Insurance | Able2Travel Travel Insurance

    At Able2Travel Travel Insurance, we understand that getting older doesn’t mean you lose your appetite for travelling. That’s why we offer both Single Trip and Annual Multi-trip travel insurance policies for the over 50, enabling you to keep on doing what you love.

  4. 5 Best Travel Insurance Plans for Seniors (Medical & More)

    Up to $22,500 in trip interruption coverage. Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours) Up to $1,000 for missed connections. Up to $150,000 for emergency medical ...

  5. The 11 Best Annual Travel Insurance Policies in 2024

    Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest: Policy Name. Starting Price. Allianz Travel AllTrips Basic Plan. $138.

  6. Annual Travel Insurance Plans for Multiple Trips - InsureMyTrip

    Most multi-trip annual plans focus primarily on travel medical and emergency evacuation coverage or emergency medical evacuation coverage only. This means the standard coverages in comprehensive travel insurance plans (trip cancellation, trip interruption, and travel delay) are usually not included. Some annual, multi-trip plans do include ...

  7. Best Travel Insurance for Seniors of November 2024: 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 ...

  8. Travel Insurance Over 50s | No Upper Age Limit - Just Travel ...

    Single Trip Travel Insurance for over 50s – for trips up to 365 days; Annual multi trip Travel Insurance for over 50s – for unlimited trips (each trip up to 93 days) Hundreds of pre-existing medical conditions, including terminal prognosis covered; High levels of cancellation and emergency medical expenses cover

  9. Annual Travel Insurance & Multi-Trip Insurance ...

    As you might guess, this type of insurance offers travel insurance coverage for multiple trips throughout the year. Just know that there is a limit for how long an individual trip can be. For example, while annual travel insurance may cover every trip you take in a given year, the duration of each individual trip might need to be less than 30 ...

  10. Compare Travel Insurance for Over 50s | PayingTooMuch

    There are different types of travel insurance policies available for over 50s. The type of policy you go for should depend on what type of trip you’re going on. If you’re only planning one trip this year, then a single trip policy could work for you. If you have several holidays planned, then you might think about an annual multi-trip policy.