Travel Insurance for Seniors 60, 70, 80+

Not with our plans. IMG's GlobeHopper Senior covers travelers up to age 99. WorldTrips Atlas America covers travelers up to age 79. Trawick Safe Travels Elite covers up to age 89. We'll help you find the right plan for your age and health situation.

Generally, no. Medicare and most Medicare Advantage plans do not cover medical care received outside the United States except in very limited border-area situations. Travel medical insurance fills this critical gap for international trips, covering emergency hospitalization, doctor visits, and evacuation.

Yes. Some plans cover 'acute onset' of pre-existing conditions — a sudden, unexpected flare-up of a chronic condition requiring immediate medical attention. IMG Patriot and WorldTrips Atlas both include acute onset coverage. For broader pre-existing coverage, a comprehensive trip insurance plan with a pre-existing waiver may be available if purchased shortly after your first trip payment.

We recommend a minimum of $250,000 in medical coverage for seniors traveling internationally, with at least $500,000 in emergency evacuation. Medical costs vary widely by country — a week in a European hospital can exceed $50,000, and air evacuation alone can cost $100,000+. Higher limits give you real peace of mind.

Premium does increase with age, but it's more manageable than most seniors expect. A 70-year-old traveling to Europe for 3 weeks typically pays $80–$150 depending on coverage level and provider. Use our free quote tool to get an exact price for your trip.

Yes. IMG GlobeHopper Senior and IMG Patriot International both cover travelers up to age 99, with no harsh age-based exclusions. Trawick Safe Travels Elite covers travelers up to age 89. We regularly place travelers in their 80s and 90s with quality coverage at reasonable rates.

Your plan covers emergency hospital admission, surgery, specialist visits, and prescription medication. If you need to be airlifted to a better-equipped facility or transported home, emergency evacuation is included. Coordinators available 24/7 will handle hospital payments and logistics directly — you don't pay out of pocket and fight for reimbursement later.

Travel medical insurance (what we primarily offer) covers medical emergencies that happen during your trip — hospitalization, evacuation, doctor visits. Trip cancellation insurance covers financial losses if you have to cancel or cut a trip short before or during travel due to illness, death, or other covered reasons. Some comprehensive plans combine both. For seniors, medical coverage is the higher priority — air evacuation alone can cost $100,000+.

Yes. Our plans cover medical emergencies that occur on cruise ships in international waters, including ship's doctor visits, shore-based hospital care if you're evacuated at port, and emergency medical evacuation if needed. Note: ship-board medical facilities charge at out-of-network rates — having a high-limit policy ensures you're protected regardless of the ship's billing.

Original Medicare (Parts A and B) does not cover medical care outside the United States, with very limited exceptions near US borders. Medicare Advantage plans may provide limited international emergency coverage — typically capped at $50,000 lifetime. Medicare Supplement (Medigap) plans C, D, F, G, M, and N include a foreign travel emergency benefit of 80% up to a $50,000 lifetime maximum after a $250 deductible. For most international trips, this is not enough. Travel medical insurance fills this gap with up to $1M in coverage and full emergency evacuation.

AARP travel insurance is underwritten by various carriers and can vary significantly in coverage terms. While AARP branding provides familiarity, the plans aren't always competitively priced or structured for travelers over 75. Comparing AARP plans against IMG GlobeHopper Senior, Trawick Safe Travels Elite, and WorldTrips Atlas America is worth doing — you may find better coverage at lower premiums. Tower Hill can help you compare options directly.

Some Medigap plans include a foreign travel emergency benefit — specifically plans C, D, F, G, M, and N. This benefit covers 80% of emergency care costs abroad after a $250 deductible, up to a $50,000 lifetime maximum. That sounds meaningful, but $50,000 lifetime is quickly exhausted by a single serious medical event — a heart attack, major surgery, or air evacuation often exceeds this amount. A dedicated travel medical insurance policy is still strongly recommended for any international trip.

The cheapest travel insurance for seniors with real medical coverage typically starts at $38–$55 for ages 60–64 for a 3-week trip with $250,000 in medical benefits. WorldTrips Atlas America and IMG Patriot International are consistently among the lowest-priced plans with strong coverage. Choosing a higher deductible ($250 or $500 instead of $0) reduces your premium further. However, for seniors, we caution against choosing the cheapest plan without reviewing coverage limits — a $50,000 max plan may leave you underinsured for a serious event.

Yes. Cancel for any reason (CFAR) coverage is available as an upgrade on comprehensive trip insurance plans. It typically reimburses 50–75% of your non-refundable trip costs if you cancel for any reason not covered by standard cancellation benefits. CFAR must be purchased within a specified window of your initial trip deposit — usually 10–21 days. For seniors planning expensive trips like river cruises or multi-week tours, CFAR provides significant peace of mind.