This post is part of our Travel Skills for Travelers Over 50 guide — including everything we've learned about staying safe, healthy, and protected on the road.
We traveled without travel insurance for longer than we care to admit. Delays happened. Things were stolen. Medical moments were manageable — until a friend of ours needed emergency air evacuation from a remote destination and we watched the whole catastrophe unfold. That was the moment we stopped pretending it couldn't happen to us.
We've carried an annual travel insurance policy ever since. We renew it every year without drama, and we've filed claims more than once — a dog bite in Vietnam, a flight cancellation in Quebec, a last-minute trip disruption we'd rather not revisit. Each time, it worked. That's what we want for you.
This guide is specifically written for travelers over 50 — and has a dedicated section for travelers over 70 — because the considerations are genuinely different from what a 30-year-old backpacker needs. The stakes are higher, the medical picture is more complex, and the gap left by Medicare is something most people don't discover until they actually need to use it abroad.
Why Travel Insurance Matters More After 50
Travel insurance is worth having at any age. But after 50, several things change that make it not just worthwhile but genuinely essential.
The trips get more expensive. The itineraries get more ambitious. The lead times get longer. A couple planning a river cruise through Portugal, or a three-week Camino de Santiago walk, or an Inca Trail trek in Peru, typically has $10,000–$20,000 or more tied up in non-refundable deposits months before departure. Without insurance, all of that is at risk from a single medical event, a family emergency, or an airline collapse.
The health picture also changes. That doesn't mean you're fragile — most of our readers over 50 are the most active travelers we know. But managed conditions like hypertension, diabetes, or a previous cardiac event become relevant to your coverage in ways they weren't at 35. And the consequences of a medical emergency abroad — a broken hip in rural Spain, a cardiac event on a river cruise, a serious fall on a hiking trail — are considerably more serious and expensive than a sprained ankle at 28.
Finally, and most importantly: your domestic health insurance almost certainly does not cover you outside the United States. Medicare, in particular, leaves a gap that can be financially devastating. More on that below.
The Medicare Gap: What It Won't Cover Abroad
This is the single most important thing in this entire post, so we're going to say it plainly: Original Medicare (Parts A and B) does not cover medical care outside the United States. With very limited exceptions — briefly, if a foreign hospital is closer to you than a US hospital and you're near the border — you are on your own.
Medicare Advantage plans offer slightly broader coverage, but the foreign emergency benefits are typically modest and heavily restricted. Medicare Supplement (Medigap) plans C, D, F, G, M, and N include a foreign travel emergency benefit, but it's usually capped at $50,000 lifetime — which sounds like a lot until you consider that a serious medical event abroad, including evacuation back to the United States, can cost $100,000–$250,000 or more. A medical evacuation flight from Southeast Asia alone can run $50,000–$80,000.
We cannot count the number of times readers have written to us assuming their Medicare coverage travels with them. It doesn't. Travel insurance is how you fill this gap, and for travelers over 65 it is not optional — it is the difference between a manageable emergency and a financial catastrophe.
Your private employer health insurance, if you still have it, may offer slightly better international coverage — but verify the specifics before you assume you're covered. Most plans have significant limitations or exclusions for international travel, and almost none cover medical evacuation.
What to Look For in a Policy
Travel insurance policies vary enormously in what they actually cover and how much. Here are the things that matter most for travelers over 50.
Emergency Medical Coverage
This is the most important number on any policy for our age group. Look for a minimum of $100,000 in emergency medical coverage. Some policies offer $50,000 — that sounds like a lot, but a serious hospitalization in a developed country can exceed that before you're well enough to be evacuated. For travelers with any cardiac history, or for trips to remote destinations, $150,000–$500,000 is a smarter target.
Medical Evacuation Coverage
Separate from medical treatment, evacuation coverage pays to transport you from where you are to an appropriate medical facility — or back to the United States. The costs are genuinely staggering: air ambulance from Europe runs $50,000–$100,000; from Asia or South America, more. We recommend a minimum of $500,000 in evacuation coverage. Some of the best senior policies offer $1,000,000. This is not where you want to economize.
Pre-Existing Condition Coverage
More on this in detail below — but the short version is: buy your policy promptly after making your first trip payment, and look for a policy with a generous pre-existing condition waiver window (ideally 21 days). This is the most critical timing issue in travel insurance for travelers over 50.
Trip Cancellation and Interruption
Covers your non-refundable costs if you have to cancel before departure (cancellation) or cut a trip short (interruption). Look for 100 percent trip cost coverage for cancellation and at least 150 percent for interruption (to cover the extra costs of getting home early). Know the covered reasons — standard policies cover illness, injury, death of a family member, jury duty, and a handful of other specific scenarios. If you want broader protection, consider a Cancel For Any Reason (CFAR) add-on, which typically reimburses 75% of non-refundable costs for any cancellation.
Trip Delay Coverage
Covers meals, accommodation, and reasonable expenses when your trip is delayed beyond a threshold — typically 6 or 12 hours. This is one of the most-used benefits in everyday travel. Look for at least $150–$200 per day with a reasonable total limit.
Baggage Loss and Delay
Covers the cost of replacing luggage lost by an airline or stolen during your trip, and reimburses essential purchases (clothes, toiletries) when bags are delayed. Less critical than medical coverage but useful — especially on multi-leg international itineraries where bags go astray.
24/7 Assistance Services
A feature we consider non-negotiable: a 24/7 emergency assistance line you can call from anywhere in the world. These services locate hospitals, coordinate with doctors, arrange evacuations, help with emergency cash transfers, and provide translation assistance. We've used ours at 2am in Hanoi. You want this number saved in your phone before you depart.
Pre-Existing Conditions: What You Need to Know
This is where travel insurance gets complicated for many travelers over 50 — and where a lot of people make costly mistakes.
Most travel insurance policies will cover pre-existing medical conditions, but only if you meet certain requirements. The most important: you must purchase your policy within a defined window after making your first trip payment — typically 14 to 21 days, depending on the policy. Miss this window and your pre-existing conditions may be excluded from coverage entirely.
What counts as a pre-existing condition? Generally, any illness, injury, or medical condition for which you sought treatment, received a diagnosis, or had symptoms within a defined “look-back period” before purchasing the policy — usually 60 to 180 days. Common conditions that fall into this category include hypertension, diabetes, heart disease, COPD, cancer, arthritis, and many others that are routinely managed by travelers over 50.
The practical advice: buy your travel insurance the same day you make your first trip payment, even if it feels early. You can adjust coverage levels later in most cases. What you cannot do is retroactively qualify for the pre-existing condition waiver if you missed the window.
IMG's iTravelInsured Choice plan is the most forgiving on this front — it allows pre-existing condition coverage if purchased within 21 days of your initial trip deposit, which is among the longest windows available. If you have managed health conditions and tend to book trips well in advance, this flexibility is genuinely valuable.
Best Travel Insurance for Travelers Over 50
We recommend shopping through a comparison marketplace rather than going direct to a single insurer. The reason: a marketplace shows you multiple policies side by side with real price quotes based on your specific age, trip cost, and destination — so you can see exactly what you're getting and what it costs. The two marketplaces we work with and trust are Squaremouth and InsureMyTrip. Both show you only the policies you actually qualify for based on your age and state of residence.
Based on current data and our own research, here are the plans that consistently perform best for travelers in their 50s and 60s.
Best Overall: IMG iTravelInsured Choice
The top-selling travel insurance policy for seniors over 60 and the most popular plan on Squaremouth for travelers over 50. Offers up to $100,000 of primary emergency medical coverage and $500,000 for medical evacuation. The 21-day pre-existing condition window is the most generous on the market. No age restrictions — also recommended for travelers over 70 and over 80. Best for: travelers with managed health conditions, frequent international travelers, anyone who wants reliable all-round coverage at a reasonable price.
Best for Maximum Medical Coverage: Tin Leg Gold
The best-selling comprehensive plan on Squaremouth overall. Offers $500,000 in emergency medical coverage — among the highest standard limits available — and $500,000 in medical evacuation. Covers pre-existing conditions if purchased within 15 days of initial trip deposit. Optional Cancel For Any Reason upgrade available. Best for: travelers prioritizing the highest possible medical limits, those with cardiac or other serious health histories, or anyone taking an expensive trip to a remote destination.
Best for Comprehensive Coverage: Seven Corners Trip Protection Choice
Rated the best overall travel insurance for seniors by US News and multiple comparison sites. High limits across trip cancellation, emergency medical, and evacuation. Maintains strong coverage for travelers in their 80s and beyond — one of the few plans that doesn't reduce benefits as you age. Best for: travelers who want top-tier coverage without compromise and are willing to pay a premium for it.
Best for Flexibility: Travel Insured International Worldwide Trip Protector
Strong medical coverage, excellent customer ratings, and flexible cancellation options. A solid choice for travelers who tend to book complex multi-destination itineraries or who want robust trip cancellation protection alongside medical coverage. Best for: multi-destination trips, travelers who value cancellation flexibility.
Compare current prices and coverage for all of these plans at Squaremouth.
Best Travel Insurance for Travelers Over 70
Good news first: over 25 percent of all travel insurance purchases go to travelers over 70. This is a well-served market and strong, comprehensive coverage is absolutely available. The caveats are that premiums are higher — typically 8–15 percent of your total trip cost — and the number of plans to choose from is somewhat smaller, since some policies reduce benefits or raise deductibles above age 80.
The most important thing to know: some policies cap eligibility at age 75, 79, or 80 for certain benefits or entire plans. When you run a quote through Squaremouth or InsureMyTrip, only the plans you're actually eligible for will appear — which makes comparison shopping on a marketplace far safer than going direct to an insurer and assuming you qualify.
Best Overall for Travelers Over 70: IMG iTravelInsured Choice
The number-one selling policy among travelers over 70. No upper age limit. Up to $100,000 primary emergency medical and $500,000 evacuation. The 21-day pre-existing condition window is particularly valuable for older travelers who are managing multiple health conditions. Comprehensive protection for trip delays, baggage, and missed connections. Affordable relative to comparable plans.
Best for Maximum Medical Protection Over 70: Tin Leg Gold
$500,000 in emergency medical coverage is the standard that makes this the right choice for travelers over 70 with significant health histories. The higher medical limit reflects the statistical reality that a serious medical event becomes more likely — and more expensive — as we age. Pre-existing condition coverage available within 15 days of initial deposit.
Best for Travelers Over 80: Seven Corners Trip Protection Choice
One of the few plans that maintains strong coverage limits regardless of age, without reducing benefits above 80 or 85 as many competitors do. Travelers over 80 pay the highest premiums in travel insurance — averaging around $60 per day for comprehensive coverage — but Seven Corners' maintenance of full benefits at any age makes it the right choice for the oldest travelers. IMG and Generali are also worth comparing for this age group.
A note on pricing for travelers over 70: Premiums increase significantly with age, and a comprehensive policy for a 75-year-old on a $10,000 trip can run $800–$1,500. This is not a reason to skip coverage — it's a reason to compare carefully and ensure the coverage levels justify the cost. The evacuation coverage alone is worth the premium many times over.
Get a quote for travelers over 70 at Squaremouth.
Annual Policy vs. Single Trip: Which Is Right for You?
We've carried an annual policy for years and it's one of the best travel decisions we've made. But it's not right for everyone. Here's how to think about it.
Annual Multi-Trip Policy: Best If You Travel Three or More Times a Year
An annual policy covers all your trips — domestic and international — for a full year with a single purchase and a single premium. No forgetting to buy insurance before a trip. No comparing plans every time you book. Domestic trips over 100 miles from home are typically covered too, which means road trips and weekend getaways are included.
We currently pay around $700 for an annual policy covering both of us — less than the cost of a single-trip policy for a long international journey. If you travel more than three times a year, the math almost always favors an annual plan. The tradeoff: annual plans typically have per-trip limits on trip cancellation coverage, which matters if any individual trip is very expensive. If you have one trip a year that costs $15,000–$20,000, a single-trip plan will often give you better cancellation protection for that specific trip.
Single Trip Policy: Best for One Big Trip a Year
Single trip plans can be customized more precisely for your specific journey — higher cancellation limits, specific CFAR coverage, adventure sports riders, cruise-specific benefits. If you take one major international trip per year and want maximum protection for that trip specifically, a single trip plan is often the better choice.
Single trip plans also work well if you have a specific health concern or new diagnosis that you want to be sure is covered before departure — you can compare pre-existing condition terms across plans for that specific purchase, rather than relying on the annual plan you already have in place.
Types of Coverage: What Each One Does
Travel insurance policies bundle multiple types of coverage together — and it helps to know what each one actually does before you buy.
Trip Cancellation
Reimburses your non-refundable pre-paid trip costs if you have to cancel before departure for a covered reason. Standard covered reasons include serious illness or injury of the insured or a family member, death of a traveling companion, jury duty, natural disasters at the destination, and airline bankruptcies. Does not cover “I changed my mind” — that's what Cancel For Any Reason is for.
Trip Interruption
Covers you if you have to cut a trip short after it's begun. Usually reimburses at 150 percent of your original trip cost to account for the extra expense of getting home unexpectedly — last-minute flights home are expensive. Also covers the cost of re-joining your trip if you had to leave temporarily. This is often more valuable than pure cancellation coverage for older travelers whose health situations can change mid-trip.
Cancel For Any Reason (CFAR)
An optional add-on that typically reimburses 75 percent of your non-refundable trip costs if you cancel for any reason not already covered — including changing your mind, travel anxiety, or simply deciding not to go. CFAR must typically be purchased within 14–21 days of your initial trip deposit and applies only to cancellations made at least 48 hours before departure. It costs more, but for expensive trips with a lot of uncertainty, it provides genuine peace of mind.
Emergency Medical
Covers the cost of medical treatment you receive while traveling — doctor visits, hospitalization, surgery, prescriptions, ambulance transport. This is the cornerstone benefit for travelers over 50. Remember: primary medical coverage (pays first, regardless of your home health insurance) is better than secondary coverage (pays only after your home insurance pays its portion, requiring you to file two claims).
Medical Evacuation
Covers transportation to appropriate medical care — which may mean moving you from a local clinic to a regional hospital, from one country to another, or all the way home to the United States. The coordination is handled by the insurance company's assistance team, not by you while you're sick. This is the benefit that prevents financial catastrophe. Never buy a plan with less than $500,000 in evacuation coverage.
Travel Delay
Covers meals, accommodation, and reasonable expenses when travel is delayed beyond a minimum threshold — usually 6 or 12 hours. We've used this benefit multiple times: it turns an airport overnight into a reimbursable inconvenience rather than an out-of-pocket expense.
Missed Connection
Covers the cost of catching up with your trip — rebooking flights, hotels, and other pre-paid expenses — when you miss a connection due to a covered cause (flight delay, traffic accident, severe weather). Typically kicks in when you miss more than 3–6 hours of your trip. This benefit has saved more than one cruise embarkation for readers who've written to us.
Baggage Loss and Delay
Covers the replacement cost of luggage lost, stolen, or damaged during your trip. Baggage delay coverage reimburses essential purchases (clothing, toiletries) when your bags arrive late. Not the most glamorous benefit, but useful on complex international itineraries.
Rental Car Damage
An add-on (or included benefit on some plans) that covers collision damage to a rental car — so you can sign the waivers at the rental counter with confidence. We always verify our coverage between our travel insurance and credit card before renting.
Adventure Sports Rider
Standard policies exclude “extreme sports” — bungee jumping, hang gliding, out-of-bounds skiing, scuba diving below 60 feet, free diving, spelunking, and rafting above Class V rapids. If your trip involves anything in this territory, check your policy carefully and add a rider if needed. Most hiking, cycling, kayaking, and similar “soft adventure” activities are covered under standard plans.
Coverage You Didn't Know You Had
Travel insurance policies often contain benefits that surprise even experienced travelers. Here are some of the more useful ones that don't get enough attention.
Single Supplement Coverage
If you're traveling with a companion and they have to cancel for a covered reason, you're suddenly a solo traveler — and cruise lines, tour operators, and hotels will charge you the single supplement. A good travel insurance policy covers this extra charge. It's an under appreciated benefit for couples and travel companions.
Frequent Flyer Miles Redeposit Fees
If you booked your flight with miles and the trip is cancelled for a covered reason, the airline will charge you a fee to redeposit those points into your account. Travel insurance covers this fee — protecting not just your cash investment but your points investment too.
Event Ticket Protection
Newer policies now cover non-refundable event tickets — concerts, sporting events, theater, even major festivals — that you purchased as part of your trip. If you're building a trip around a specific experience (the Eras Tour, a major sporting event, a sold-out festival), make sure your policy includes this.
Telemedicine
Many policies now include or cover virtual doctor consultations while you're traveling — useful for non-emergency health questions, prescription renewals, or getting professional advice before deciding whether you need to go to a local hospital. Underused and genuinely convenient.
Concierge Services
Beyond medical emergencies, most travel insurance assistance lines offer concierge services — restaurant reservations, translation assistance, emergency cash wire coordination, legal referrals, lost passport assistance. Think of it as a knowledgeable friend available 24/7 from anywhere in the world.
Epidemic Coverage
Since 2020, most comprehensive travel insurance plans now include epidemic coverage — for trip cancellations, interruptions, or medical care related to viral epidemics, including COVID-19. Verify this is included in any policy you're considering, particularly for travel to destinations with active health advisories.
How and When to Buy
The most important rule in travel insurance is deceptively simple: buy it as soon as you make your first trip payment.
This is not just a general suggestion — it's the condition that determines whether your pre-existing conditions are covered. The clock starts ticking the moment you make any payment toward a trip (a hotel deposit, a flight purchase, a tour reservation). Most pre-existing condition waivers require you to purchase your insurance within 14–21 days of that first payment. Wait until a week before departure and you may find that a health condition you've managed for years is suddenly excluded.
Similarly, Cancel For Any Reason coverage must be purchased within this window. There is no way to add it later.
Here's the simplest approach: the day you book your trip, open a new browser tab and buy your insurance. You can often adjust coverage levels, destinations, and trip costs as your plans evolve — what you cannot do is retroactively start the clock.
Where to Buy
We recommend shopping through a marketplace rather than going direct to an insurer. Squaremouth is our primary recommendation — it compares 100+ policies from 20 top-rated companies and shows only the plans you're eligible for based on your age, state, and trip details. You can compare side by side, read actual customer reviews, and buy directly through the site. Squaremouth also handles claims advocacy on your behalf if needed.
A few practical notes:
- Coverage and rates vary by state of residence. Always get a quote specific to your state.
- Call the insurer's help line if anything is unclear — they are generally helpful and speaking to a real person before buying is always worth it for complex situations.
- Read your policy when it arrives. You typically have a 10–15 day “free look” period to review and cancel for a full refund if you're not satisfied.
- Save your policy documents, the assistance line phone number, and your policy number to your phone before departure.
Faye: A Newer Option Worth Knowing
Faye is a newer travel insurance company that's worth knowing about, particularly for travelers who want a more modern, app-based experience. Their app handles everything from policy management to claims — including the ability to file and receive reimbursement for travel delays directly from your phone, often with same-day processing. For travelers who prefer managing everything digitally rather than calling a help line, Faye's interface is genuinely better than most traditional insurers.
Coverage-wise, Faye offers solid trip cancellation, interruption, delay, and emergency medical protection. As a newer entrant, they're building their track record on claims handling — we recommend comparing their terms and limits carefully against established providers like IMG and Seven Corners, particularly on medical evacuation limits, before choosing Faye for a major international trip.
Get a quote from Faye.
What to Do When You Need to File a Claim
Buying the right policy is step one. Knowing how to use it is step two.
If you have a medical emergency, call the assistance line immediately — don't wait until you're home. The assistance team can direct you to appropriate medical facilities, coordinate with hospitals on your behalf, pre-authorize treatment, and begin the evacuation process if needed. Acting quickly also protects your claim — delayed notification can complicate reimbursement.
For non-emergency claims (trip delay, lost baggage, missed connection), document everything: keep receipts for every expense you incur, note the time and cause of the delay, get written documentation from the airline or provider, and photograph any damaged or lost property. Claims filed with good documentation process faster and with fewer disputes.
Most major insurers now allow claims to be filed online or through an app. Some, including Faye, offer expedited reimbursement for delay claims — getting money back while you're still on the road rather than weeks later.
A few things to remember when filing:
- File as soon as possible — most policies have a notification window (often 20–90 days) after the incident
- Keep copies of all submitted documentation
- Follow up if you don't hear back within two weeks
- If a claim is denied, read the denial letter carefully — many denials are appealed successfully with additional documentation
- Squaremouth provides claims advocacy as part of its service, which means they'll go to bat for you if you're having trouble with a claim filed through their marketplace
We've filed claims by phone, online, and through an app. The process has improved significantly in recent years. The most important thing is to have bought the right policy in the first place — the rest follows from that.
Related reading: A Dog Bites, A Travel Clinic Delivers — our own story of putting travel insurance to use in Vietnam.
Ready to compare plans? Use our partner Squaremouth to get a quote in minutes
This post is part of our Travel Skills for Travelers Over 50 guide — including everything we've learned about staying safe, healthy, and protected on the road.
Finally, keep in mind that this list of things to keep in mind is only as comprehensive as we could make it at the time. Be sure to check any information for yourself before buying a policy or traveling.
Should you need legal advice on insurance or any other matter, check out Request Legal Help.
Frequently Asked Questions: Travel Insurance for Travelers Over 50
Does Medicare cover you when you travel internationally?
No — Original Medicare (Parts A and B) does not cover medical care outside the United States, with very limited exceptions near the US border. Medicare Advantage plans offer minimal foreign emergency benefits, typically capped well below what a serious international medical event costs. Medicare Supplement (Medigap) plans include a foreign travel benefit but it's usually capped at $50,000 lifetime, which won't cover a major hospitalization plus medical evacuation. Travel insurance is the only way to fully protect yourself against medical costs abroad.
What is the best travel insurance for travelers over 50?
The top-selling and most consistently recommended plan for travelers over 50 is IMG's iTravelInsured Choice, which offers $100,000 in primary emergency medical coverage, $500,000 in medical evacuation, no age restrictions, and a 21-day window to qualify for pre-existing condition coverage — the most generous available. Tin Leg Gold is the best option for those prioritizing the highest possible medical limits, with $500,000 in emergency medical coverage. The best way to compare current plans and prices is through a marketplace like Squaremouth, which shows you only the plans you're eligible for.
Can travelers over 70 still get travel insurance?
Yes — and it's more available than many people assume. Over 25% of all travel insurance purchases are made by travelers over 70. The caveats are that premiums are higher (typically 8–15% of total trip cost) and some plans reduce benefits or exclude coverage above age 80. The best plans for travelers over 70 — including IMG iTravelInsured Choice and Seven Corners Trip Protection Choice — have no upper age limit and maintain full coverage benefits regardless of age. Use a comparison marketplace to see only the plans you qualify for.
What does pre-existing condition coverage mean for travel insurance?
Pre-existing condition coverage means the policy will cover medical events related to health conditions you had before purchasing the insurance. To qualify, you must purchase the policy within a defined window after making your first trip payment — typically 14 to 21 days. IMG's iTravelInsured Choice offers the most generous window at 21 days. If you miss this window, events related to your pre-existing conditions may be excluded from your medical coverage. The practical advice: buy your travel insurance the same day you make your first trip payment.
Is an annual travel insurance policy or a single-trip policy better for travelers over 50?
If you travel three or more times a year, an annual policy is almost always better value and more convenient — one purchase covers all your domestic and international travel for a year, including rental car coverage. We pay around $700 per year for an annual policy covering both of us. Single-trip policies offer more flexibility to customize coverage for one specific journey, and are often better for a single very expensive trip where you want maximum cancellation protection. Single-trip plans are also worth considering if you have a new health diagnosis and want to carefully verify pre-existing condition terms before buying.
What should I do first if I have a medical emergency while traveling?
Call your travel insurance company's 24/7 assistance line immediately — before going to a hospital if possible, or as soon as you're stable. The assistance team can direct you to the best available medical facility, pre-authorize treatment, coordinate with the hospital, and begin evacuation arrangements if needed. Acting quickly also protects your claim. Save your policy number and the assistance line phone number to your phone before you leave home — this is not information you want to be searching for in an emergency.
Does travel insurance cover pre-existing conditions like heart disease or diabetes?
Yes, with the right policy and the right timing. Managed conditions like hypertension, diabetes, heart disease, and many others can be covered under travel insurance's pre-existing condition waiver, as long as you purchase the policy within the required window after your first trip payment (usually 14–21 days) and you were medically stable and able to travel at the time of purchase. IMG's iTravelInsured Choice is particularly recommended for travelers with managed conditions because of its 21-day purchase window and generous coverage terms. Always read the specific pre-existing condition definition in any policy you're considering.
How much does travel insurance cost for travelers over 50?
Comprehensive travel insurance typically costs 4–10 percent of your total trip cost for travelers in their 50s and 60s. For a $8,000 international trip, expect to pay roughly $320–$800 depending on your age, destination, coverage level, and whether you add options like Cancel For Any Reason. Travelers over 70 pay higher premiums — typically 8–15 percent of trip cost. An annual policy covering all trips for a year starts around $300–$700 for a single traveler, depending on age and coverage level. Compare specific quotes through Squaremouth to see current pricing for your age and itinerary.
