Globetrot into your golden years with travel insurance for seniors
Where are you going?
Enter your trip destination. If you’re traveling to multiple destinations, select the country where you’ll be spending the most time.
Important: We’re unable to provide coverage for any OFAC-sanctioned country. Please check the OFAC website and our travel alerts page for information on affected countries.
Going to Cuba? You’ll need our preapproval to get travel insurance coverage for a trip to Cuba. Please call our customer service team at 1-800-228-9792 to speak with us about your trip to Cuba.
How our travel insurancefor seniors can help you
Vacations don’t have an age limit, and neither does our coverage! Whether you’re young at heart or a seasoned traveler, our travel medical insurance for seniors (and more) can help handle sudden costs — so you can focus on the good times.
If you want medical coverage overseas …
Our emergency medical and dental benefits can help.
If you want pre-existing condition coverage …
Our Ultimate plan offers travel insurance for seniors with pre-existing conditions.
If you want trip cancellation coverage …
It’s available on our Ultimate, Advantage, and Essential plans.
If you want 24/7 travel assistance …
It’s included with all our plans — from finding a local doctor to replacing your passport.
Here's what you get with our comprehensive plans for seniors
Ready to make your golden years even more golden with our best travel insurance for seniors? Our comprehensive plans have more benefits for well-rounded coverage that helps keep your trip smooth and your wallet happy. Compare them here!
Before you buy: Have pre-existing conditions and want medical coverage for them? Our Ultimate plan can help! Purchase this plan within 21 days of your first trip payment and insure your full trip cost to get coverage for your pre-existing medical conditions.
Ultimate
For travelers who want maximum protection.
- Up to $50,000 trip cancellation
- Up to $75,000 trip interruption
- Up to $2,000 travel delay
- Up to $250,000 emergency medical*
- Up to $1,000,000 emergency evacuation and repatriation
Advantage
For travelers who want a step up from basic coverage.
- Up to $10,000 trip cancellation
- Up to $12,500 trip interruption
- Up to $1,000 travel delay
- Up to $50,000 emergency medical
- Up to $250,000 emergency evacuation and repatriation
Essential
For travelers who want reliable coverage at a lower cost.
- Up to $10,000 trip cancellation
- Up to $10,000 trip interruption
- Up to $600 travel delay
- Up to $25,000 emergency medical
- Up to $200,000 emergency evacuation and repatriation
| Our plan benefits and coverage details | Ultimate | Advantage | Essential |
|---|---|---|---|
| Trip cancellation, interruption, delay, and inconvenience | |||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
100% of trip cost ($50,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
100% of trip cost ($10,000 maximum)
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
150% of trip cost ($75,000 maximum)
|
$125% of trip cost ($12,500 maximum)
|
100% of trip cost ($10,000 maximum)
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$2,000 ($250 per day maximum)
|
$1,000 ($250 per day maximum)
|
$600 ($200 per day maximum)
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$2,000 ($500 per item limit)
|
$1,000 ($500 per item limit)
|
$750 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
$200
|
$200
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$750
|
$500
|
$150
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
$600
|
Not included
|
Not included
|
| Emergency evacuation and repatriation | |||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$1,000,000
|
$250,000
|
$200,000
|
| Emergency medical expense | |||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$250,000
*$50,000 for NH residents |
$50,000
|
$25,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
$500
|
$500
|
$500
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
|
Not included
|
Not included
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
90 days
Does not apply to NH residents |
120 days
Does not apply to NH residents |
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
Included
|
Not included (secondary coverage)
Included for CT residents |
| Accidental death and dismemberment | |||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$25,000
|
$20,000
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$25,000
|
$20,000
|
$10,000
|
| Other benefits | |||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
Included
|
Included
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
Yes
|
No
|
No
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 180 days
|
Up to 30 days
|
Up to 30 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
21 days
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
| Optional upgrades | |||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
Available (75% of insured trip cost up to $7,500)
|
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
Available ($50,000 with a $100 deductible)
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
Available (additional $250,000)
Not available to NH residents |
Not available
|
Not available
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
Available (waives exclusions on certain activities)
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
Available
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
Available ($2,000)
|
Available ($2,000)
|
Available ($2,000)
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
Available (100% of insured trip cost up to $10,000)
|
Not available
|
Not available
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
Available (additional $3,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Available (additional $4,250)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details | ||
|---|---|---|
| Ultimate | Advantage | Essential |
| Trip cancellation, interruption, delay, and inconvenience | ||
|
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
|
||
|
|
|
|
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
||
|
|
|
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
||
|
|
|
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
||
|
|
|
|
|
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum |
||
|
|
|
|
| Emergency evacuation and repatriation | ||
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
||
|
|
|
|
| Emergency medical expense | ||
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
*$50,000 for NH residents |
|
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
||
|
|
|
|
|
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
|
||
|
|
|
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
||
|
Does not apply to NH residents |
Does not apply to NH residents |
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
||
|
|
|
Included for CT residents |
| Accidental death and dismemberment | ||
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
||
|
|
|
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
||
|
|
|
|
| Other benefits | ||
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
||
|
|
|
|
|
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
|
||
|
|
|
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
||
|
|
|
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
||
|
|
|
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
||
|
|
|
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
||
|
|
|
|
| Optional upgrades | ||
|
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
|
||
|
|
|
|
|
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
|
||
|
Not available to NH residents |
|
|
|
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
|
||
|
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
Search and rescue: $10,000 Security evacuation: $100,000 |
|
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
|
||
|
Not available to NH residents |
Not available to NH residents |
Not available to NH residents |
|
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
|
||
|
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
Pet care: $250 Pet veterinarian expense: $2,500 |
|
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
|
||
|
|
|
|
|
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
|
||
|
|
|
|
|
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
|
||
|
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our on-trip plans for traveler over 65
Left your travel insurance to the last minute? Don’t need trip cancellation coverage? No problem! Our Travel Med Go plan is great for seniors who want to focus on the fun without sweating the small stuff. Check out the table below for all the details.
Before you buy: If you want medical coverage for pre-existing conditions like arthritis or asthma, our Ultimate plan is a great option! Just make sure to buy it within 21 days of your first trip payment and include your full trip cost in your policy.
Travel Med Go
Our post-departure plan with helpful on-trip coverage.
- Trip cancellation
- Up to $50,000 emergency medical
- Additional $250,000 emergency medical upgrade available
- Up to $250,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
| Our plan benefits and coverage details | Travel Med Go |
|---|---|
| Trip interruption and delay | |
|
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
|
$1,000 maximum
|
|
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
|
$500 ($200 daily limit)
|
|
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
$300
|
|
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
$1,000 ($500 per item limit)
|
|
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
|
$500
|
| Emergency evacuation and repatriation | |
|
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
$250,000
|
| Emergency medical expense | |
|
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
|
$50,000
|
|
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
|
$500
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
180 days
Does not apply to NH residents |
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
|
Included
|
| Accidental death and dismemberment | |
|
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
|
$10,000
|
|
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
|
$10,000
|
| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
Included
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
Up to 60 days
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
|
21 days
|
|
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
|
Included, but limited to eligible activities (optional upgrade available for additional activities)
|
| Optional upgrades | |
|
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
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Available ($50,000 with $100 deductible)
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Available (additional $250,000 for emergency medical expense only)
Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Available (provides coverage for certain additional activities not included in the base plan)
Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Available
Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Available
Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Available ($2,000)
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Available (additional $4,000)
Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
| Our plan benefits and coverage details |
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| Travel Med Go |
| Trip interruption and delay |
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Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
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Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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| Emergency evacuation and repatriation |
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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| Emergency medical expense |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
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Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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Does not apply to NH residents |
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Accidental death and dismemberment |
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Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
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Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
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| Other benefits |
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
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| Optional upgrades |
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If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
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If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
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Not available to NH residents |
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If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
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Search and rescue: $10,000 Security evacuation: $100,000 |
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If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
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Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents |
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If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
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Pet care: $250 Pet veterinarian expense: $2,500 |
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Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
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Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
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Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000 |
Here's what you get with our flight plans for seasoned sightseers
Want coverage for in-air accidents (and maybe a few extra benefits)? Keep it simple with our Flight Insure plan — or add out-of-air coverage with Flight Insure Plus. Compare both plans below to see which might suit your trip.
Before you buy: Our flight plans don’t offer coverage for pre-existing conditions like arthritis or high blood pressure — but our Ultimate plan can. Just buy Ultimate within 21 days of your first trip expense and include your total trip cost in your policy.
Flight Insure Plus
Our plan with extra coverage during your flight and throughout your trip.
- Up to $1 million accidental death for air travel
- Up to $10,000 emergency medical and dental
- Up to $100,000 emergency evacuation and repatriation
- Up to $1,000 baggage and personal effects
- Up to $50 missed connection
Flight Insure
Our plan with simple coverage during your flight.
- Up to $1 million accidental death for air travel
- Emergency medical
- Emergency evacuation and repatriation
- Baggage and personal effects
- Missed connection
| Our plan benefits and coverage details | Flight Insure Plus | Flight Insure |
|---|---|---|
| Accidental death | ||
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
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Up to $1 million
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Up to $1 million
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| Medical and dental | ||
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
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$10,000
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Not included
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
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$100,000
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Not included
|
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This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
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180 days
Does not apply to NH residents |
Not applicable
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If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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Included
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Included
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| Travel inconvenience | ||
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
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$1,000 ($250 per item limit)
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Not included
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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$500
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Not included
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
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$50
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Not included
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| Other benefits | ||
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If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
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Included
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Included
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The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
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Up to 180 days
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Up to 180 days
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We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
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This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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21 days
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21 days
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| Our plan benefits and coverage details | |
|---|---|
| Flight Insure Plus | Flight Insure |
| Accidental death | |
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Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
|
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| Medical and dental | |
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Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
|
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Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
|
|
|
|
|
|
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
|
|
|
Does not apply to NH residents |
|
|
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
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| Travel inconvenience | |
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Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
|
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Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
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Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
|
|
|
|
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| Other benefits | |
|
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
|
|
|
|
|
|
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
|
|
|
|
|
|
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
|
|
|
|
|
|
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
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Important:
* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.
Why vacation with our travel insurance for seniors?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
With up to nine optional upgrades like cancel for any reason and additional medical, you can add coverage that fits your later-in-life travel needs.
25+ years’ experience
Just like you, we’re not beginners when it comes to travel. We’ve been helping our senior travelers have safer trips for decades.
24/7 travel support
Adventure doesn’t retire — and neither does our support. From passport replacement to finding medical care on vacation, our assistance provider can help.
Get to know ourcoverage a little bit more
Our benefits and upgrades are designed to fit your travel style, so you can focus on making memories — not managing mishaps.
Unpack our benefits
Want extra confidence on your bucket list vacation? From missed flights to medical needs, our benefits are here to help you keep exploring.
Discover our upgrades
Why settle for one-size-fits-all? Our nine upgrades let you customize your coverage to fit your golden years of exploring.
Pack our Travel On app
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Tips and trip ideasfor wise wanderers
Life’s too short to skip the trip — get extra confidence with these guides.
Want a safer cruise?
Discover our best cruise tips and learn more about cruise safety so you can have a more relaxing onboard experience.
Want a checklist of what you need before getting a quote?
Our travel insurance checklist goes over the seven details you need to have on hand when getting your policy.
How do you get medical care on vacation?
Find out what to do and how we can help if you need to see a doctor while traveling.
Want to know more about our travel insurance for seniors?
Dive into the details of our senior coverage and how we can help care for you.
Yes. First, choose our Ultimate plan — it’s our only plan offering travel insurance for seniors with pre-existing conditions.
Next, if you meet a few simple requirements, we’ll waive the pre-existing condition exclusion for these benefits (if they’re included in your policy):
- Emergency medical expense
- Emergency dental expense
- Emergency evacuation and repatriation
- Pre-departure trip cancellation
- Post-departure trip interruption
- Travel delay
Here’s what you need to do for coverage to apply:
- Buy the Ultimate plan within 21 days of your first trip payment.
- Insure your full prepaid, nonrefundable trip cost.
- Be medically fit to travel when you buy the plan.
If you add new travel plans later (like extra activities or arrangements not booked through your travel agent), make sure they’re insured within 21 days of payment for those additions.
In most cases, Medicare or any U.S. health insurance policies don’t extend coverage outside the U.S. That means if you’re planning an international trip, you could be on your own for medical expenses — unless you have travel insurance.
Our emergency medical, dental, and evacuation benefits can help fill that gap in protection if something unexpected happens while you’re away. Plus, our 24/7 assistance provider can help coordinate your medical care while you’re traveling. So, before you pack your bags, it’s worth looking into travel medical insurance for seniors that fits your needs — because no one wants to deal with surprise medical bills on vacation!
Travel medical insurance for seniors can help with a variety of unexpected situations while you’re exploring the world. Depending on your plan, it may include:
- Emergency medical expenses: Offers coverage for costs of unexpected illnesses or injuries during your trip.
- Emergency dental care: Helps with sudden dental issues while you’re away.
- Medical evacuation and repatriation: Provides transportation to the nearest suitable medical facility or back home if needed.
- Prescription medication replacement: Assists if you lose or run out of your medications while traveling.
- 24/7 assistance services: Offers support for finding doctors, hospitals, or even translating medical terms.
It’s like having a safety net for your health — and finances — while you’re out making memories!
We’re not just here for you; we’re here for your stuff, too. Our baggage and personal effects benefit helps to protect your lost, stolen, damaged, or delayed belongings, so you barely miss a beat on vacation. However, it’s important to know we don’t offer coverage for medical devices like hearing aids, dentures, prosthetic devices, or eyeglasses.
Losing or forgetting your prescription medication can be stressful when you’re away from home — but our 24/7 assistance provider is always available to help you replace it quickly. Check out the steps we recommend taking if you need more prescription medication on vacation and how we can help.
Whether it’s your spouse or your long-time best friend, coverage for your traveling companion depends on how you complete your quote.
If you’re the only traveler listed on your policy:
- You’ll have coverage for several benefits like trip cancellation and travel delay if your traveling companion gets sick or injured and it affects your trip.
- We won’t offer any coverage to your traveling companion, like emergency medical care or emergency evacuation.
If you’d like your traveling companion to have the same coverage under your policy, you can add them as an additional traveler when you get a quote if they live in your household. Otherwise, they’ll need their own policy to help make sure they’re protected.
Yes, with our cancel for any reason upgrade! Our Ultimate, Advantage, and Essential plans offer trip cancellation for specific reasons like illness or injury. But if you buy our Ultimate plan and add our cancel for any reason upgrade, you can have extra confidence and flexibility before you go.
With the upgrade, we can reimburse up to 75% of your prepaid, nonrefundable trip costs (up to $7,500), as long as you meet a few requirements:
- Buy the upgrade with our Ultimate plan within 21 days of your first trip payment and at least 31 days before your trip starts.
- Insure the full cost of your prepaid, nonrefundable trip expenses, and if you add anything later, insure those within 14 days of booking.
- Keep your trip cost under $10,000 per person.
Let your travel providers (like your airline or cruise line) and our claims team know about your cancellation at least two days before your scheduled departure.
Absolutely! Our plans have no age limit. We offer travel insurance options that work great for seniors over 80, so you can keep exploring the world with safety in mind.
Our plans are tailored to meet the unique needs of seasoned travelers, offering coverage for things like emergency medical care, trip interruptions, and even medical evacuations. Whether you’re cruising the Mediterranean or visiting family across the country, we can help you on vacation later in life.
Yes! All our plans offer cruise protection that’ll help keep your plans shipshape. From unexpected medical needs to helping to protect your trip from going overboard with cancellations or delays, we’re here to make sure your adventure (and spending) stays on course. Whether you’re charting the high seas or gliding down a scenic river, our plans sail with you.
When it comes to choosing trip protection in the golden years, it really depends on the trip and the traveler. Everyone’s plans and needs are different — how old you are, how much your trip costs, or any personal health considerations. That said, if you’re looking for our best travel insurance for seniors, we recommend our Ultimate plan.
Why? It’s our only plan that offers coverage for pre-existing conditions — which might be an important addition to your senior travel insurance policy. Plus, it’s our most customizable with all nine optional upgrades available, from cancel for any reason to rental car damage. You’ll have our highest limits for things like trip cancellation and interruption, emergency medical evacuation, and medical expense coverage. It’s designed to help you feel ready for just about anything your trip might throw your way.
If you run into trouble while traveling, we’re here to help. With any of our plans, you have 24/7 access to our assistance provider, Zurich Travel Assist. Whether it’s finding a doctor, replacing a lost passport, or arranging emergency transportation, you have support anytime, anywhere. We’ll make sure you’re taken care of so you can focus on enjoying your trip.
Want extra safety on your senior trip? Check out our Travel On app, where you can easily access your policy details, destination information, real-time safety alerts, and tap-to-call assistance.
It’s simple to file a claim with our online claims portal. After gathering any necessary documents, like receipts or reports, just visit our claims page and enter your confirmation number to get started.
However, if you prefer to talk to someone, you can call 1-800-501-4781 for help with your claim.
The coverage cost for seniors varies based on factors like your age, trip details, and the plan you choose. It’s often more affordable than you might expect, especially for the protection it can provide. You can see your pricing and plan options by getting a quick quote online.
