Best Travel Insurance for Seniors Over 70 in 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: March 18, 2026
Key Takeaways
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Due to age restrictions, travelers over 70 have fewer travel insurance policies available to them than younger travelers.
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Our analysis found that the best travel insurance for seniors over 70 comes from: IMG, Tin Leg, Travel Insured & International, and Seven Corners.
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All of these policies are eligible for people over the age of 70 and offer the most important benefits for older travelers, including primary medical coverage, cancellations for medical reasons, pre-existing condition coverage, & optional CFAR upgrades.
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The price of travel insurance increases with age, meaning people over 70 tend to pay some of the highest premiums of any age group.
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Comparing policies from several providers is the best way to save on price while still securing coverage with adequate limits.
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If you need personalized assistance finding a policy that suits your budget, call us at 1-800-240-0369.
Can I Get Travel Insurance if I’m Over 70?
Yes, people over 70 can still buy travel insurance. In fact, over 25% of all people who buy travel insurance through Squaremouth are over 70. The only caveats to know are that prices typically increase as you age, and there are fewer plans to choose from.
That said, Squaremouth offers a great solution to older travelers by bringing together plans from 20 top travel insurance companies. This makes it easy to find eligible travel insurance policies at any age.
Our Top Over-70 Travel Insurance Plans
The Best Travel Insurance Plans for Seniors Over 70 in Detail
Great for Seniors On A Budget
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The top-selling plan among travelers 70 and older
Provides up to $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage
Provides pre-existing condition coverage if you purchase coverage within 21 days of your initial trip payment
IIMG’s iTravelInsured Choice is the number one selling policy on Squaremouth among travelers over the age of 70. This policy is also the most affordable option on our list, and offers comprehensive medical, cancellation, interruption, delay, and baggage protection, at limits that are adequate for most types of trips.
You’ll get Medical coverage limits of up to $100,000, and Medical Evacuation limits of up to $500,000. The primary medical coverage means you won’t have to file with Medicare or private health insurance before making a travel insurance claim, meaning faster overall reimbursement time.
This policy offers pre-existing condition coverage and optional Cancel For Any Reason Coverage when purchased within 21 days of your initial trip deposit.
Other highlights include 100% trip cancellation protection, 150% trip interruption protection, and 24/7 emergency assistance.
Great Value For The Money
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The second most popular plan among travelers 70 and older.
Provides up to $500,000 in Emergency Medical coverage & $500,000 in Medical Evacuation coverage
Covers up to $30,000 in prepaid, non-refundable travel expenses in the event of an unforeseen cancellation, making it a great option if your trip involves high upfront costs
The Tin Leg Gold plan is the second most popular policy on our site among travelers over 70.
This policy compromises on extravagant reimbursement levels to offer protection where it’s needed most. Tin Leg Gold includes $500,000 in Emergency Medical and $500,000 in Medical Evacuation coverage, benefits which should be strong enough to cover you for far-off destinations as well as trips close to home. You’ll be covered for 100% of prepaid, non-refundable trip costs for covered cancellations and offers 150% Trip Interruption coverage for unexpected changes.
As a whole, Tin Leg Gold offers solid value for the money, with higher-than-average medical coverage limits and strong cancellation and interruption protection.
Best for Customization
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150%
Customizable coverage limits allow you to raise Medevac to up to $1,500,000
Offers CFAR and IFAR coverage to give you the most flexibility for your trip
Can cover up to 9 grandkids under age 18 for free, with each insured adult
Travel Insured International’s FlexiPAX is the third most frequently chosen policy among seniors over 70 on our platform. This policy is popular thanks to its high coverage limits, affordable pricing, and options for customization.
FlexiPAX comes with Primary Medical coverage limits of $100,000 and Medical Evacuation limits of $500,000 and includes 100% trip cost reimbursement for cancellations, and 150% reimbursement for trip interruptions.
That said, FlexiPAX allows these limits to be raised up to the following: medical coverage up to $500,000, medevac coverage up to $1,500,000, Trip Delay, Baggage Delay, and Baggage Loss coverage up to $2,500.
You can also add the following optional coverages: Cancel For Any Reason & Interruption For Any Reason, $30,000 of rental car damage, or Cancel for Work Reasons.
Additionally, this plan can cover pre-existing medical conditions when purchased within 21 days of your initial trip deposit. If you plan to travel with grandchildren under the age of 18, this policy also offers exceptional value by allowing you to include them on your policy at no additional cost.
Highest Medical Coverage Limits
Medical / Med Evac Coverage
$500,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers some of the highest coverage limits of any policy on the market
Covers trips costing up to $100,000 per person
Offers both Cancel For Any Reason and Interruption For Any Reason
If your main concern is top-tier medical coverage, Seven Corners’ Trip Protection Choice is an excellent option. This policy offers some of the highest medical limits of any policy on the market at $500,000 of Emergency Medical protection, and a whopping $1,000,000 of Emergency Medical Evacuation Protection. Although some policies allow you to pay extra to raise your limits to these levels, these limits come standard with this policy.
As a comprehensive policy, Seven Corners Trip Protection choice also reimburses up to 100% of your trip costs for covered cancellations, and up to 150% for trip interruptions. It stands out for its ability to reimburse you for trips costing up to $100,000 per person.
While it’s not the cheapest option on our list, you’ll find this plan offers higher-than-average limits on almost all of its main coverage categories, making it an ideal option for people who are comfortable spending slightly more to secure a policy with all the bells and whistles.
Other notable benefits include rental car damage protection, optional CFAR and IFAR upgrades, and Accidental Death & Dismemberment protection.
Compare Costs for the Best Travel Insurance Plans for Seniors Over 70
Your age is one of the biggest factors travel insurance providers will consider when determining policy premiums. Generally, coverage becomes more expensive as you age, largely due to the increased health and safety risks associated with traveling later in life.
Other factors, such as your travel expenses, trip length, destination, and the number of travelers in your group, can also impact pricing.
To help you better understand where each of these policies sits in terms of cost, we pulled sample quotes for a weeklong trip to Mexico, broken down by traveler type.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$348.00 |
$578.00 |
$705.00 |
Get Quotes | |
560.00 |
$880.00 |
$1,112.00 |
Get Quotes | |
524.00 |
$848.00 |
$776.00 |
Get Quotes | |
$685.00 |
$1,072.00 |
$1,242.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary depending on your age, trip length, state of residence, and more. These prices are for example purposes only. For exact pricing, get a quote using your unique trip details.
The table above shows that IMG’s iTravelInsured Choice consistently comes out as a budget-friendly option across all sample quotes, making it a great fit if you’re seeking affordable coverage with well-rounded benefits.
However, choosing the lowest-priced plan may not be the best strategy if you’re looking for the best available coverage. For example, Seven Corners Trip Protection Choice is almost double the cost of other plans featured on this page, but also offers some of the most robust medical coverage available on Squaremouth.
Compare Popular Benefits for the Top Over-70 Travel Insurance Plans
Here is a look at how each of the best travel insurance policies over 70 compares on the most common coverage benefits.
| Travel Insurance Benefit | IMG iTravelInsured Choice |
Tin Leg Gold |
Travel Insured International FlexiPAX |
Seven Corners Trip Protection Choice |
|---|---|---|---|---|
| Emergency Medical | Up to $100,000 | Up to $500,000 | Up to $100,000 | Up to $500,000 |
| Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 | Up to $1,000,000 |
| Pre-Existing Condition | Covered if purchased within 21 days of trip deposit | Covered if purchased within 14 days of trip deposit | Covered if purchased within 21 days of trip deposit | Covered if purchased within 20 days of trip deposit |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $500 per person after a 6-hour delay | $1,000 per person after a 6-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | (Cruise and tour only) $500 per person after a 6-hour delay | $500 per person after a 3-hour delay | $500 per person after a 3-hour delay | (Cruise and tour only) $1,500 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $500 per person | $1,000 per person | $2,500 per person |
| Baggage Delay | $300 per person after a 6-hour delay | $200 per person after a 24-hour delay | $300 per person after a 6-hour delay | $500 per person after a 6-hour delay |
Seven Corners’ Trip Protection Choice policy is the standout policy when it comes to travel medical insurance.
It offers up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which is among the highest reimbursement rates for these benefits of any comprehensive plan on Squaremouth. Compared to the other policies highlighted on this page, it also offers higher coverage limits for other key benefits, including Baggage Loss, Baggage Delay, and Travel Delay.
While policies with high coverage limits can offer the most peace of mind, they can also be expensive compared to other options. In most cases, plans like IMG iTravelInsured Choice can offer adequate coverage for most international and domestic trips.
Compare Customer Satisfaction Ratings
When you’re choosing a travel insurance plan, price and coverage aren’t the only factors that matter. The way a company supports its customers, both before and after a claim, can make a big difference in your experience.
To help you make a confident choice, we’ve compared customer satisfaction ratings for the top travel insurance companies featured on this page. These scores reflect real travelers’ experiences with claims, communication, and overall support, giving you a clear picture of how each insurer performs when you need them most.
| Customer Satisfaction | IMG | Tin Leg | Travel Insured International | Seven Corners |
|---|---|---|---|---|
| Overall Rating | 4.2 / 5 | 4.5 / 5 | 4.4 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.3 / 5 | 4.6 / 5 | 4.5 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 3.7 / 5 | 4.1 / 5 | 4.1 / 5 | 3.9 / 5 |
| Customer Service After a Trip | 3.4 / 5 | 4.1/ 5 | 3.7 / 5 | 3.5 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Among the top travel insurance providers for seniors, Tin Leg holds the highest ratings with an overall score of 4.5 out of 5. Tin Leg’s strong customer service both before and after a trip has landed them as one of the top-rated travel insurance providers on the Squaremouth marketplace.
Both Seven Corners and IMG have respectable overall scores and have a good track record when it comes to delivering top-notch pre-trip assistance. However, these providers possess slightly lower ratings for their customer service after a trip is complete. These scores generally indicate customers’ experience during the claims process, with low scores highlighting room for improvement.
For a deeper dive into what customers are saying, you can visit our reviews pages, where we break down ratings and share detailed feedback for every insurer on our marketplace.
How Reliable Are The Top Over-70 Travel Insurance Providers?
Our expert product team carefully vets every every travel insurance company that we list on Squaremouth to ensure meet our rigorous standards and Zero Complaint Guarantee.
When comparing travel insurance plans, the two most common measures of reliability are A.M. Best financial strength ratings, which assess the insurer’s ability to pay claims, and BBB ratings, which reflect how providers handle customer complaints.
In the chart below, we’ve outlined the Better Business Bureau (BBB) ratings and AM Best financial strength scores for the top providers offering plans to seniors.
| Reliability | IMG | Tin Leg | Travel Insured International | Seven Corners |
|---|---|---|---|---|
| A.M. Best Rating | A- (Excellent) | A++ (Superior) | A (Excellent) | A (Excellent) |
| BBB Rating | A+ | A++ | A+ | A+ |
As you can tell from the table, all of the providers on our list are considered financially stable, with A.M. Best scores ranging from A- to A++. High grades in this category indicate that an insurer is dependable when it comes to paying out claims.
BBB ratings are also favorable, with IMG, Travel Insured International, and Seven Corners receiving an A+, and Tin Leg earning an impressive A++. These ratings reflect each company’s responsiveness to customer concerns and its overall business practices.
Ultimately, these scores speak for themselves. You should feel confident buying a policy from any of the providers listed on this page, as they are all highly reputable.
Which Over-70 Travel Insurance Plan is Right For Me?
The best policy for you depends on your travel plans, health needs, and desired coverage.
IMG iTravelInsured Choice
For affordable travel protection from a highly-rated provider, consider IMG iTravelInsured Choice. It not only meets our medical coverage recommendations for senior travelers, but also matches higher-priced policies in other benefit categories.
This policy also stands out with one of the longest eligibility windows on the market, letting you qualify for coverage up to 21 days after your trip deposit date. While it doesn’t boast the highest medical limits or the lowest premiums, IMG iTravelInsured Choice provides solid medical and cancellation coverage at an affordable price point, especially if you are traveling with family.
FlexiPAX or Tin Leg Gold
For more middle-of-the-road options, consider Travel Insured International’s FlexiPAX policy, or Tin Leg’s Gold policy. Both of these offers solid coverage limits and stand out for different strengths. FlexiPax has lower medical limits out of the gate, but allows you to fully customize your coverage to meet the levels you need. If you prefer opting for stronger medical limits without the fuss, Tin Leg Gold has some of the highest customer satisfaction ratings of policies on our site, and above-average protections across the board.
Seven Corners Trip Protection Choice
Consider Trip Protection Choice for the most robust medical protection and comprehensive coverage for expensive trips.
This policy offers some of the highest Emergency Medical and Medical Evacuation coverage limits available on Squaremouth, along with a generous 20-day eligibility window for pre-existing condition coverage. This policy is among the more expensive options available and may provide more coverage than your trip requires. That said, if you plan to travel a long distance and need the highest limits available to you, this policy offers it all.
For even more options, start a quote to view eligible policies for your trip.
Special Considerations When Purchasing Travel Insurance Over 70
When taking a trip in your later years, it’s important to consider the unique risks and challenges that you may face along the way. As you compare policies for your upcoming adventure, be sure to take into account the following factors:
Pre-Existing Medical Conditions
When exploring the world later in life, you may be traveling with a chronic or existing health issue. Unfortunately, many travel insurance policies exclude coverage for pre-existing medical conditions, leaving you financially responsible if a flare-up occurs during your trip.
However, some travel insurance plans offer a Pre-Existing Condition waiver, which removes this exclusion from the policy and extends medical coverage to your pre-existing health issues. To qualify for a waiver, you must meet your plan’s eligibility requirements. This may include the following:
- Purchase Plan During Time-Sensitive Window: Most plans require you to buy your travel insurance within 10 to 21 days of your first trip payment
- Insure 100% of Your Travel Expenses: You must purchase a comprehensive travel insurance plan and insure all of your prepaid, non-refundable trip costs
- Be Medically Stable During Lookback Period: There can be no changes to your condition during your lookback period, which is typically 60-180 days before your departure date
- Be Fit to Travel: You cannot be experiencing symptoms, receiving treatment, or under medical advice that would reasonably prevent you from taking your trip at the time you purchase your policy
Plan Types
When searching for travel insurance, be aware that there are multiple types of plans to choose from. The best plan for you is one that meets your travel needs, fits your budget, and provides peace of mind for the duration of your trip.
- Comprehensive: This is the most popular and expensive type of coverage available to travelers over 70, as it provides financial protection for your trip costs, plus coverage for medical expenses, emergency evacuations, delays, and other common disruptions.
- Travel Medical: These policies place a focus on medical coverage abroad, and are not designed to protect your travel investments in the event of a cancellation. This results in cheaper premiums, but less robust protection.
- Annual: These plans provide coverage for multiple trips over a 12-month period, usually with a limit on the duration of each trip (typically 30 to 90 days). This plan type is ideal if you travel often and are looking for continuous protection without the need to buy a new policy for every trip.
The vast majority of travelers over 70 opt for comprehensive plans with high medical coverage. This type of coverage is highly recommended due to the unpredictable nature of travel and the high cost of receiving medical treatment while traveling away from home.
Price Factors
There are multiple factors that can impact your travel insurance premium, including your age, trip length, travel expenses, and destination. Another determining factor is whether or not you choose to apply add-ons or upgrades to your plan.
Some travel insurance companies allow you to enhance your policy through optional add-ons and coverage upgrades during the checkout process. Some of the more popular ways to enhance coverage among senior travelers include:
- Cancel for Any Reason: Provides partial reimbursement for your insured travel expenses if you choose to cancel your trip for a reason not already covered by standard trip cancellation coverage.
- Interruption for Any Reason: Provides partial reimbursement if you choose to end your trip early for an uncovered reason.
- Rental Car Damage Protection: Covers the cost of damage to, or theft of, a rental vehicle during your covered trip.
- Coverage Upgrades: Allows you to increase coverage limits for select benefits, like Emergency Medical and Medical Evacuation, for a small fee.
FAQs: Travel Insurance for Seniors Over 70
Which Travel Plans Cover Pre-Existing Medical Conditions for Seniors Over 70?
IMG iTravelInsured Choice, Tin Leg Gold, Travel Insured International FlexiPAX, and Seven Corners Trip Protection Choice all provide coverage for pre-existing conditions.
To qualify for pre-existing condition coverage, you must meet certain eligibility requirements. You can find a full list of these requirements and plans that offer this coverage on our Pre-Existing Condition benefit page.
What Does Over-70s Travel Insurance Cover?
For travelers over 70, travel insurance is particularly important, as it can help offset the high costs of medical care abroad and provide peace of mind throughout your trip.
Below are the benefits you can expect in a comprehensive travel insurance plan, regardless of age.
- Trip Cancellations: Coverage if you are forced to cancel your trip due to a covered reason, such as an unexpected illness, injury, inclement weather, or family emergency.
- Medical Emergencies: Coverage for unexpected medical expenses that arise during your trip, including hospital bills, doctor visits, and prescription medications.
- Medical Evacuations & Repatriation: Reimbursement for emergency transportation services like air ambulance rides to a nearby medical facility.
- Travel Delays: Coverage for meals, accommodation, and other reasonable expenses if your trip is significantly delayed by a delay of a common carrier
- Missed Connections: Covers the cost to book new travel arrangements if a previous delay forces you to miss a connecting flight or cruise departure.
- Baggage Loss: Reimbursement for personal items that get lost, stolen, or damaged during a covered
What Is Not Covered by Over-70s Travel Insurance?
While travel insurance offers critical trip protection, it does have its limitations. Most standard policies for travelers will not cover the following:
- Known events: If a disruption, such as a hurricane, airline strike, or pandemic outbreak, is publicly known before you purchase your policy, related claims may not be eligible for coverage.
- Pre-existing medical conditions: Unless you purchase a plan with a pre-existing condition waiver, most policies will not cover medical treatment related to existing health issues. This is especially important for seniors managing chronic conditions.
- Government travel advisories or bans: If the U.S. government issues a travel advisory or ban for your destination before or during your trip, your policy may not cover cancellations or other disruptions related to that advisory.
Reading the fine print found within your policy’s Certificate of Insurance and understanding policy exclusions is especially important when traveling later in life. Comparing providers can help you find a policy that provides coverage for your entire itinerary.
How Much Coverage Do Travelers Over 70 Need?
Traveling in your seventies and beyond can be full of twists and turns. To mitigate the financial impact that disruptions have on you and your family, it’s always recommended to purchase a comprehensive travel insurance plan before you leave for your adventure.
When comparing different policies, it’s important to make sure they include the following coverage:
- Trip Cancellation: Choose a plan that covers all of your prepaid, non-refundable travel expenses.
- Emergency Medical: Look for a policy that covers at least $100,000 in unforeseen medical expenses.
- Medical Evacuation: Opt for plans that include at least $250,000 in coverage for emergency evacuation services.
- Pre-Existing Condition: If you have an existing health issue, you should purchase a policy that offers a pre-existing condition waiver within its respective time-sensitive period.
- Sports & Activities: If you plan on participating in hiking, scuba diving, or other high-risk sports, you must find a plan that includes coverage for those activities.
- Travel Delay: Consider plans that provide coverage after delays of 6 hours or less.
What is the Maximum Age for Buying Travel Insurance?
There is currently no universal age restriction for travel insurance. However, providers can impose their own age limits and restrictions. For example, some travel insurance companies may decide not to cover any travelers over the age of 75, while others stop offering coverage once you hit 80.
Age restrictions can vary significantly between providers. Even policies offered by the same insurer can have different age limits. Age restrictions for a specific policy can be found in the Certificate of Insurance.
Is Travel Insurance Necessary if I’m Over 70 and Have Medicare?
Yes, travel insurance is still strongly recommended if you are over 70 years old and traveling overseas, even if you have Medicare.
Since Medicare typically does not cover medical expenses abroad, you will be financially responsible for any medical costs incurred overseas. Traveling without the right coverage can result in thousands, or even hundreds of thousands, of dollars in out-of-pocket costs.
Even if you are planning a domestic trip, a travel insurance plan with primary Emergency Medical coverage can address claims before your Medicare policy. This can result in faster reimbursement and avoid changes to your Medicare premiums.
With a dedicated travel insurance plan, you will be financially covered for unexpected travel expenses up to your policy’s coverage limit.
Can Travelers Over 70 Buy Cruise Insurance?
Yes, although a few plans may impose age restrictions, cruise insurance is generally widely available to travelers over 70. In fact, travelers in this age group account for more than 35% of all cruise insurance sales on the Squaremouth platform.
The best way to find these plans is to enter your cruise details into our cruise insurance comparison tool. From there, you will be shown a list of reliable policies that can provide trusted trip protection both on land and at sea.
I’m Over 70 and Traveling With My Family. Can We All Be On the Same Policy?
Yes, adding family members to your plan is simple when done during the initial purchase. Most insurance providers allow you to include up to 10 travelers on your policy, as long as you have the same travel dates and state of residence.
To add travelers to your plan, you will need to provide basic information such as their age, name, date of birth, and state of residence. Your premium will likely increase with each additional traveler you add.