Best travel insurance companies for seniors Travel becomes even more enjoyable in your senior years – when you finally have the time, freedom, and desire to explore new places.
But for senior travellers, choosing the right travel insurance is essential. From medical emergencies to trip cancellations and lost baggage, the right policy ensures a safe, stress-free journey.
This guide lists the best travel insurance companies for seniors along with key features, benefits, and expert tips to help you choose the perfect plan.
The Best Travel Insurance Companies for Seniors
Why Seniors Need Travel Insurance
As age increases, so do health risks. Travel insurance protects senior travellers from unexpected expenses such as:
- Hospitalisation & medical emergencies
- Accidental injuries
- Trip cancellation or interruption
- Lost baggage or delayed flights
- Emergency evacuation
- Repatriation of remains
For seniors, these protections are critical because overseas medical care can be extremely expensive.
Top 7 Best Travel Insurance Companies for Seniors (2026)
Here are the most trusted and senior-friendly insurance providers offering excellent coverage and value.
1. Tata AIG – Best Overall Senior Travel Insurance
Tata AIG offers dedicated senior citizen plans with strong medical and travel benefits.
Key Features
- Plans for adults 71 years and above
- No pre-policy medical tests (for selected plans)
- Overseas medical & dental coverage
- Emergency evacuation & repatriation
- Baggage loss, delay & trip interruption
- 24×7 international support
Why It’s the Best
Easy purchase, affordable pricing, and senior-specific benefits.
2. Reliance General – Best for High Medical Coverage
Perfect for seniors travelling to countries with expensive healthcare systems.
Key Features
- Coverage up to USD 500,000
- Trip cancellation/interruption
- Passport & baggage loss
- Emergency hospitalization
- Optional add-ons
Why It’s Great
Ideal for long trips and high-risk destinations.
3. ICICI Lombard – Best Trusted Brand for Seniors
A well-known company with simple, reliable senior-friendly policies.
Key Features
- Medical emergency & hospitalization cover
- Trip delay and baggage loss cover
- Easy online purchase
- No mandatory medical tests (for some plans)
Why It’s Great
Perfect for seniors who prefer established, trusted providers.
4. Care Travel Insurance – Best for Pre-Existing Illness Coverage
Designed for seniors with existing health conditions.
Key Features
- Pre-existing disease benefits (as per conditions)
- Medical & accidental coverage
- Baggage and personal accident protection
- No medical tests for select age/destinations
Why It’s Great
Ideal for elderly travellers with medical history.
5. Bajaj Allianz Travel Insurance – Best for Frequent Travellers
Great for seniors who travel more than once a year.
Key Features
- Annual multi-trip plans
- Medical emergencies & evacuation
- Trip delays, lost baggage
- Home insurance add-on
Why It’s Great
Long-term value and convenience.
6. Seven Corners (USA) – Best International Coverage
A global travel insurance leader preferred by senior travellers.
Key Features
- Strong medical & evacuation coverage
- Flexible deductibles
- Good for U.S. and Europe trips
Why It’s Great
International policies trusted worldwide.
7. IMG Global – Best for Seniors Wanting Premium Coverage
Great reputation for high medical limits and global protection.
Key Features
- Coverage suitable for seniors up to 70+
- Strong emergency and evacuation benefits
- Long-term plans available
Why It’s Great
Perfect for seniors taking long international vacations.
How to Choose the Best Travel Insurance for Seniors
Before selecting a plan, consider these important factors:
✔ Medical Coverage
Choose a plan with high medical limits, especially when travelling to the USA, Canada, or Europe.
✔ Pre-Existing Conditions
Check whether the plan includes coverage for diabetes, hypertension, heart issues, etc.
✔ Age Limit
Some insurers offer coverage up to 70, 75, 80, or no age limit.
✔ Trip Coverage
Look for:
- Trip cancellation
- Baggage loss
- Passport loss
- Flight delays
✔ Claims & Support
Choose companies with:
- 24×7 global assistance
- Cashless hospital networks
- Easy claim settlement
Recommendation
- For Indian senior travellers: Tata AIG (best overall)
- For high medical-cost regions: Reliance General
- For seniors with health conditions: Care Insurance
- For global premium plans: Seven Corners / IMG Global
The right travel insurance can make your journey safe, smooth, and stress-free – giving you the confidence to explore the world at any age.
