As we step into 2025, the world of travel insurance has evolved to better suit the unique needs of seniors. With rising healthcare costs and more adventurous itineraries on the horizon—like eco-tours in Costa Rica or cultural immersions in Japan—choosing the right policy isn’t just smart; it’s essential. But what makes a plan “best” for those over 65? It’s all about comprehensive coverage that addresses medical emergencies, trip disruptions, and even pre-existing conditions without breaking the bank.

Why Seniors Need Specialized Coverage?

Travel insurance for seniors isn’t one-size-fits-all. Standard policies often cap medical benefits at lower amounts or exclude age-related risks, leaving you vulnerable. In 2025, expect standout plans to include:

• Unlimited or high-limit medical evacuation: Airlifting from remote spots can cost $50,000+, so look for at least $1 million in coverage.
• Pre-existing condition waivers: Many insurers now offer these if you buy within 14-21 days of your initial trip deposit.

Cancel for any reason (CFAR) options: Ideal for unpredictable health or weather, reimbursing up to 75% of non-refundable costs.

Top Picks for 2025

Based on recent reviews from trusted sources like Forbes and Consumer Reports, here are three standout providers tailored for seniors:

• Allianz Global AssistanceWhy it shines: Their OneTrip Prime plan offers $50,000 in emergency medical coverage and $1 million for evacuation—perfect for international jaunts. Seniors love the 24/7 concierge service for everything from lost luggage to doctor referrals.

• Cost estimate: $100–$200 for a week-long trip (varies by destination and health).

• Best for: Active retirees hitting multiple countries.

  Medjet (Membership-Based)

• Why it shines: Not traditional insurance, but a membership ($295/year for under 75) that covers global air-medical transport home—no deductibles. Pair it with a basic policy for full protection.

• Cost estimate: Affordable add-on at under $300 annually.

• Best for: Frequent flyers worried about hospital stays abroad.

• Travelex Insurance Services Why it shines: The Travel Select plan includes a “medical plus” rider boosting coverage to $250,000, plus free coverage for kids/grandkids under 18 if traveling with you. Their app makes claims a breeze.

• Cost estimate: $120–$250 for a 10-day European tour.

• Best for: Multi-generational family trips.