Best Travel Insurance for Seniors

Plans and Pricing

Allianz is a good choice, whether you just want coverage for one trip or you need annual coverage for multiple trips and excursions. It’s easy to get a quote online by putting in your destination, travel dates, age, state of residence, and the estimated cost of your trip. However, we found this to be true for every carrier that made our list.

For individual trips, we found three plans and quotes for a single 65-year-old traveling to France for a month, with total estimated travel costs of $10,000.

*The total costs above only cover one person. Prices increase as you add more travelers to your policy.

We think that OneTrip Prime offers the best value. You get ample coverage without having to pay the higher cost for OneTrip Premier, which would equate (in this hypothetical trip) to just over 10 percent of the cost of your trip. The additional peace of mind may be worth it if you want to ensure that you have the best possible coverage, especially for things like emergency medical costs and transportation.

» Also Check Out: Transportation for Seniors

If you opt for an annual plan, your options look a little different. Here are the quotes we got for a single 65-year-old traveler seeking one year of coverage.

*AllTrips Premier cancellation coverage can be customized for greater protection at a higher price.

Allianz also offers higher-tier plans for business travelers (AllTrips Executive) that have higher cancellation and interruption coverage limits, more benefits for baggage mishaps, and options for renting business equipment. For senior travelers who want to rent a car while traveling, Allianz also offers auto coverage on most plans, or you can purchase a stand-alone car insurance plan, just like Nationwide and Travel Guard.

» Related Reading: A Guide to Car Insurance for Seniors

One of the best benefits of Allianz travel insurance is coverage for preexisting conditions. However, there are limitations to consider. To be covered for a preexisting condition, the condition must have exhibited symptoms or been treated within 120 days prior to purchasing the plan. Additionally, the plan must provide coverage for the entire cost of the trip and be purchased within 14 days of making your first covered purchase for the trip (flight, hotel accommodations, etc.).1

While we love that Allianz covers preexisting conditions, not every condition is covered. For example, mental health disorders and Alzheimer’s disease are not covered. You can reach out to Allianz to see if your condition is covered.

» For More Help: Alzheimer’s Association Helpline

Customer Feedback

Though we’ve spoken with many seniors who had nothing but good things to say about Allianz Global Assistance, they have received mixed reviews online. Policyholders who were happy with their experiences generally praised the affordable pricing, simple application and quote process, and the ability to reach out to customer service representatives worldwide 24/7.

However, we noticed a consistent trend of customers having negative experiences when trying to file claims. Many reviewers complained that the fine print on Allianz plans makes the coverage very inflexible and, in some cases, not very useful. Moreover, it’s difficult to cancel an Allianz travel insurance plan early unless you have a specific reason that the company will accept. Even among customers who have eventually received funds for their covered expenses, they complained that working with Allianz customer service reps could be frustrating, as many were unhelpful.

Plans and Pricing

While Allianz made us do a little digging to find the right plan for our needs, IMG makes it easier by showing all of the plans available for a particular trip. Just plug in your details, the date of your trip, and location of your trip, and see all the International Medical Group plans you qualify for.

We got quotes for a 65-year-old traveling to France for 30 days, with total trip costs of $10,000. There were eight plans and quotes we found from IMG, and we picked the top four plans based on price, coverage, and overall value.

We love that International Medical Group offers a wider range of plans for people on about any budget. You can get international medical coverage for a month for less than $200, or you can go all out and get trip reimbursement plus medical coverage.

However, if you want to retire abroad, the prices for these plans increase substantially. Fortunately, we found a few plans that won’t break the bank and still offer coverage to older adults who want to see the world. Here are the quotes we found for a 65-year-old traveling to France one or more times over the course of a year.

We encourage seniors to read the fine print and do their research on IMG’s offerings, as they can be overwhelming. While IMG focuses on medical coverage for seniors traveling abroad, they also offer plans that reimburse policyholders for trip cancellation or interruption. The key is finding a plan that works for your travel plans, budget, and needs. We recommend speaking to an agent to explain your specific situation and get more tailored plan recommendations.

» Useful Resource: A Guide to Insurance for Seniors

While certain plans drop coverage amounts for older seniors, we appreciate that IMG offers plans to adults up to 99 years old. That’s one of the best issue ages of any carrier on this list (second only to John Hancock) and far above the industry average! Like Allianz, IMG also offers some protection for preexisting conditions, but read the fine print to ensure your condition is covered.

Similar to Travel Guard, there are also unique extras that you can get with IMG, depending on your chosen plan. For instance, some plans offer reimbursement of up to $500 for identity theft, $500 for accidental pet death, and $50,000 for injuries or damages related to terrorism.

» Learn More: Best Identity Theft Protection in [Year]

Customer Feedback

International Medical Group has a B rating from the Better Business Bureau, indicating adequate financial strength. Customer reviews are more positive than we’ve seen for other carriers like Allianz and Travel Guard. Most reviews commend IMG’s intuitive website, affordable pricing, and simple claims process. We encountered some complaints, most of which pertained to slow claims resolution or unexpected claims rejections.

Plans and Pricing

We like that John Hancock makes picking a plan simple (unlike IMG), but it might be a little too simple for some. There are only three options, and with relatively high rates, those on a budget may not find a plan that suits their needs.

» Learn About: The Best Budgeting Apps for Seniors

We used the same parameters to get quotes for a 65-year-old traveling to France for one month, with anticipated travel costs of $10,000.

While John Hancock’s plans are pricey and don’t have many customization options, they provide top-of-the-line coverage for medical expenses, illness, luggage protection, delays, cancellations, and more.

Additionally, its exclusions for preexisting conditions are more stringent than Allianz — Allianz considers any condition within the last four months prior to the plan’s purchase, while John Hancock only considers conditions being treated within the prior two months.

» Helpful Guide: Changes in Health and Health Care Needs as We Age

That said, John Hancock offers peace of mind and solid travel insurance plans for older adults. If you’re not satisfied or change your mind, you can call to cancel the purchase within 14 days of the effective date. John Hancock offers streamlined travel insurance coverage — perfect for that cruise or international trip you’ve been dreaming about! Keep in mind that all travelers must reside in the same U.S. state to share a John Hancock policy.

Customer Feedback

John Hancock’s travel insurance has received mixed reviews. While customer service reps are often praised for their prompt responses and diligence when working to find a resolution, many customers complain about the exceptions and fine print. For example, some travelers have tried to get reimbursed for lost luggage, only to find out that valuable items like cell phones, computers, and tablets may be excluded from the plan’s coverage. Others have complained that the travel delay reimbursements are often not enough to cover the actual costs of delayed flights.

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Plans and Pricing

If you’re only interested in cruises, Nationwide is likely your best option. They have plans specifically designed for cruise-goers, with ample coverage and reasonable costs. If you want more flexible travel coverage for traditional trips, you can find better prices at Allianz and Travel Guard, or higher medical coverage limits at IMG.

» Save Even More: AARP Cruise Discounts

We got quotes for a 65-year-old traveling to France for one month, with approximate trip costs of $10,000. There were two plans to choose from, even fewer than what John Hancock offered for the same trip.

While you can get higher coverage with the Prime plan, the biggest difference is the ability to cancel your plan for any reason and get back up to 75 percent of the trip cost. You can’t get this with the Essential plan. Both plans are on the pricey side, but they offer ample coverage for things like medical, luggage, and trip delays or cancellations. If you want all your bases covered, Nationwide is a solid option. We just wish they had a few more plan options.

Where Nationwide travel insurance really shines is their coverage for cruises. The prices are more affordable for a 30-day cruise to France with a total budget of $10,000. We also like that they have plans designed for cruises. You get a lot of the same coverage benefits as the Essential or Prime plans, including coverage for trip cancellation or interruption, lost, damaged, or delayed baggage, emergency medical expenses, and preexisting coverage (with higher-tier plans). Plus, you get a few unique benefits just for cruises.

Nationwide provides various options, whether you’re flying to a new destination or cruising. Their best deals are reserved for cruise travelers. The company has high coverage amounts, including a 10-day review period for refunds on their cruise plans. If your trip is canceled, you’ll be reimbursed up to 100 percent of the nonrefundable trip cost. The only downside is that Nationwide has a maximum issue age of 70 on most policies, which is far below the maximum issue ages for John Hancock and IMG.

Customer Feedback

Nationwide is among the best-reviewed travel insurance carriers we’ve encountered. They consistently receive praise for their fast claims processing, friendly customer service, and comprehensive plans (particularly for cruises). Unlike Allianz, Nationwide gets a lot of positive feedback for the ease of making a claim. Most customers say that they just had to submit one or two documents proving the expenses and they got their reimbursement in a few days.

Not all customers had positive experiences with Nationwide customer service. Some have said that they filed claims and Nationwide took weeks to respond, and others had their claims rejected with little explanation. Some cited issues with covered claims being denied, including trips being canceled due to terrorist attacks.

Plans and Pricing

Like John Hancock and Allianz, Travel Guard has three plans for individual trips. We just visited the Travel Guard website, plugged in the details of our trip, and we had quotes in less than two minutes. Here are the plans for a 65-year-old traveling to France for one month, with total trip costs of $10,000.

Travel Guard’s plans offer solid coverage, with coverage you don’t see from providers like Allianz or Nationwide — like roadside assistance and concierge services. We found the cost-to-benefit ratio to be comparable to most other carriers. If you need a preexisting medical conditions exclusion waiver, you’ll need to purchase it within 15 days of the initial trip payment.

You can get up to $750 to $2,500 for baggage coverage and up to $100,000 for travel medical expense coverage. Travel Guard is available in all states, and you can customize your plan to fit your trip. Like Allianz, Travel Guard offers annual policies for frequent travelers, but you’ll need to contact Travel Guard customer service to learn more and get a quote.

Customer Feedback

Unlike Nationwide, Travel Guard gets a lot of negative feedback online. While they’ve been praised for their customization options and competitive pricing, a majority of reviews focused on slow claims resolution. Many people have had to wait months just to get a response from Travel Guard, and the results have not always gone in their favor. This is because, like any insurance carrier, the fine print can sometimes exclude certain expenses or situations from being covered.