Travel insurance designed for those over 60 provides specialized coverage for senior travelers. As we age, the risks associated with travel increase, and having adequate protection becomes more critical.

Though travel insurance is important for all ages, it takes on heightened significance after 60. Older bodies become more vulnerable to health issues, accidents, and theft. Pre-existing conditions and medications raise complications. At the same time, medical care abroad tends to be more expensive.

Over 60 travel insurance steps in to cover emergency medical treatments, evacuation, trip cancellations, lost baggage, and other problems. It provides a safety net in case disaster strikes on your vacation. For instance, if you have a heart attack or break your hip hiking, insurance can fly you home for medical care.

Especially as we age, travel insurance is a worthwhile investment to mitigate risks. For older travelers, it can make the difference between a minor mishap and financial catastrophe. The right policy allows you to focus on enjoying your trips rather than worrying excessively about potential perils.

Types Of Coverage

Over 60 travel insurance generally includes several common types of coverage:

Medical Expenses

Medical coverage is one of the most important components of travel insurance for seniors. Medicare typically does not cover healthcare expenses abroad, so having a policy that covers emergency medical care and hospitalization is crucial. This can include ambulance transportation, urgent care visits, prescriptions, and more. Policies specify coverage amounts (e.g. up to $50,000) and may require out-of-pocket fees like deductibles or co-pays.

Trip Cancellation

Trip cancellation coverage provides reimbursement if you need to cancel your trip due to a covered reason, such as illness or injury of yourself or a family member. This helps recoup prepaid, nonrefundable costs like airline tickets, hotels, tours, etc. Some plans allow you to cancel for any reason. Reimbursement amounts vary.

Lost/Stolen Luggage

If your bags are lost, damaged, or stolen, this coverage helps pay to replace your belongings and personal items up to a stated limit. Keep in mind that reimbursement maximums tend to be on the lower side, so you may not receive full compensation.

Flight Delays

Some plans include coverage for flight delays over a set number of hours. This usually covers costs like hotel stays, meals, and transportation. Eligible delay reasons may be restricted to situations outside your control, like bad weather or mechanical issues. The reimbursement details can differ widely across providers.


One way to save money on travel insurance when you’re over 60 is to look for discounts. Here are some common ways to get discounts on travel insurance:

Group Travel

Many travel insurance providers offer discounts if you purchase a policy as part of a group booking. For example, tour groups, cruise bookings, or other packaged trips often come with a discounted group travel insurance rate. The discount amount can vary by provider, but is often around 5-10% off the regular premium. Some companies like Allianz even offer senior citizen discounts on top of the group discount.

Loyalty Programs

If you purchase travel insurance regularly from the same provider, check if they have a loyalty or rewards program. These programs give you a discount on future travel insurance purchases. The discounts may be small, around 3-5%, but can add up over time for frequent travelers. Providers like TravelGuard and Allianz offer these loyalty discounts once you’ve bought 3-5 policies with them.


Check if any associations or memberships you belong to provide deals on travel insurance. For example, AARP offers an exclusive discount on AllianzTravel Insurance to its over 50 members. AAA also gives a discount on certain providers like Travel Insured when you purchase through them. Professional organizations like teaching associations sometimes have insurance partners too.

Comparison Shopping

Get quotes from multiple providers before purchasing a policy. This allows you to compare and find the best discount across companies. The same coverage limits can vary widely in pricing between insurers. Using an insurance comparison site makes this process easy by giving side-by-side quotes.

Taking advantage of discounts from group bookings, loyalty programs, associations, and comparison shopping can help you save a considerable amount on over 60 travel insurance. Every dollar counts, so make sure to research all available discounts before purchasing a policy.


Travel insurance policies contain exclusions, which are scenarios and situations that are not covered. Being aware of the exclusions can help travelers understand the limitations of their policy.

Some common exclusions in over 60 travel insurance include:

  • Pre-existing medical conditions – Most policies do not cover medical events relating to pre-existing conditions, unless the condition was disclosed upon signup and approved. For example, if you have a heart condition that is not disclosed, any heart-related medical care would likely not be covered during your trip.
  • Extreme or dangerous activities – Policies usually do not cover injuries or incidents resulting from extreme sports, racing, mountain climbing, skydiving, bungee jumping, etc. Make sure to check the policy for a full list of excluded activities.
  • Travel to high-risk regions – Many providers exclude travel to regions with travel advisories due to safety concerns, political unrest, terrorism, or war. This includes places like Afghanistan, Iraq, Syria, etc.
  • Self-inflicted injuries – Intentionally self-inflicted injuries, suicide attempts, drug/alcohol abuse are generally excluded. Accidents can still be covered.
  • Travel against medical advice – Trips undertaken against the advice of a physician due to health reasons may not be covered.
  • Failure to provide required documentation – Policyholders need to provide all documentation requested by the provider to process a claim. Lack of documentation can result in declination of coverage.

Understanding exactly what is and isn’t covered is an important part of choosing the right over 60 travel insurance policy. Reading the fine print helps avoid unpleasant surprises in the event of an incident.


Getting the right travel insurance policy for ages 60 and older can give peace of mind when traveling domestically or internationally. The key is finding the right policy balance of affordability, sufficient coverage for likely risks, and ease of claims. For active seniors, travel insurance can minimize stresses and disruptions so you can focus on enjoying your trips. With proper preparation, you can travel with confidence well into your golden years.