--- title: Best Travel Insurance Plans --- [![VisitorsCoverage Logo](https://assets.visitorscoverage.com/production/app/img/icons/VC-logos-horizontal.svg)](https://www.visitorscoverage.com/get-quotes/trip-insurance/) ⚡ Instant Policy Delivery💰 Price-Match Guarantee Featured On:![forbes](https://assets.visitorscoverage.com/production/images/forbes-logo.svg) ![usa today](https://assets.visitorscoverage.com/production/images/usa-today-gray-logo.svg) ![new york times](https://assets.visitorscoverage.com/production/images/new-york-times-logo.svg) # Quote and Compare The Best Travel Insurance Plans  Instantly Compare Top-Rated Plans With Coverage For Medical Evacuation, Medical Emergencies, Trip Interruptions, and More. 🔒 Your personal information is kept private and secure. Compare Trip Insurance Plans ## Real Plans. Real Coverage. Find the Right Fit for Your Trip. VisitorsCoverage lets you compare top-rated trip insurance plans side by side instantly. Below are three plans travelers frequently choose. All available online in minutes. IMG · iTravelInsured iTravelInsured Choice Dependable protection for shorter or lower-cost trips — covers the essentials at an affordable price point. Trustpilot★★★★★AM Best A-Rated Trip Cancellation100% of trip cost Trip Interruption100% of trip cost Emergency Medical$100,000 Medical EvacuationIncluded Baggage Loss$1,000 Travel Delay6+ hrs · $200/day Pre-Existing Waiver✓ Available Free Look Period✓ 10 days ✓ Hospital of choice benefit ✓ 24/7 emergency assistance ✓ Teladoc telehealth access – Cancel for any reason (not included) – Pet kennel benefit [Get a Quote →](https://www.visitorscoverage.com/trip-insurance/plans/) Coverage varies by state. Review full policy before purchase. Popular IMG · iTravelInsured iTravelInsured Travel SE Comprehensive coverage for international trips, cruises, and family travel — with strong medical and evacuation limits. Trustpilot★★★★★AM Best A-Rated Trip Cancellation100% of trip cost Trip Interruption100% + extra transport Emergency Medical$250,000 Medical EvacuationUp to $500,000 Baggage Loss$1,500 Travel Delay12+ hrs · $150/day Pre-Existing Waiver✓ Within 20 days Free Look Period✓ 10 days ✓ Hospital of choice benefit ✓ 24/7 emergency assistance + Teladoc ✓ Pet kennel coverage during delays ✓ CFAR / IFAR optional upgrade (eligible states) ✓ Adventure activity coverage [Get a Quote →](https://www.visitorscoverage.com/trip-insurance/plans/) Coverage varies by state. Review full policy before purchase. Premium IMG · iTravelInsured iTravelInsured Travel LX Elite protection for luxury, cruise, and adventure trips — with the highest available limits and built-in extras. Trustpilot★★★★★AM Best A · US Fire Ins. Co. Trip Cancellation100% of trip cost Trip InterruptionTrip cost + 50% Emergency Medical$500,000 Medical Evacuation$1,000,000 Baggage Loss$2,500 ($250/article) Travel Delay6+ hrs · $250/day · $2,500 max Pre-Existing Waiver✓ By final trip payment Free Look Period✓ 10 days ✓ Hospital of choice + $1M evacuation ✓ Political/security evacuation: $50,000 ✓ Rental car damage: $40,000 ✓ CFAR upgrade: 75% of trip cost back ✓ Missed connection, pet kennel, Teladoc [Get a Quote →](https://www.visitorscoverage.com/trip-insurance/plans/) Coverage varies by state. Review full policy before purchase. 💡 **Not sure which plan is right for you?** Our US-based licensed insurance specialists (Mon–Fri, 7AM–5PM PT) can help you pick the right plan for your age, health, and destination. Call **(866) 384-9104** or use the quote tool above to compare all available plans instantly — our tool automatically filters out plans you're not eligible for. Why It Matters ## Why Travelers Need Specialized Coverage Standard travel plans often fall short for travelers 35 and over. Here's what makes coverage from VisitorsCoverage different — and essential before your next trip. 🏥 ### Medicare Won't Cover You Abroad Original Medicare provides almost no coverage outside the U.S. A single overseas hospitalization can cost $50,000–$250,000. Our plans provide up to $250,000–$500,000 in emergency medical — completely filling the Medicare gap while you're traveling. 🚁 ### Evacuation Can Cost $100K+ Emergency medical transport home from abroad runs $100,000 or more out of pocket. The iTravelInsured LX plan covers up to $1,000,000 in medical evacuation — including transport to a hospital of your choice, not just the nearest facility. ❤️ ### Pre-Existing Conditions Can Be Covered Heart disease, diabetes, COPD, high blood pressure — managed conditions may qualify for a pre-existing condition waiver. Purchase within 14–21 days of your first trip deposit (or by final payment on the LX plan) while medically able to travel. VisitorsCoverage's quoting tool shows only plans you're eligible for. ✈️ ### 100% Trip Cancellation Protection If illness, injury, or a family emergency forces you to cancel before departure, your plan reimburses 100% of non-refundable trip costs — covering international flights, river cruises, guided tours, and lodging deposits worth $10,000 or more. 👴 ### Coverage Available to Age 90+ Many standard insurers cap out at 70. VisitorsCoverage's quoting tool automatically filters out plans you don't qualify for based on age — showing only what's available to you. Coverage options exist for travelers up to 99 years old. 🤝 ### Licensed US Agents + 24/7 Global Help US-based licensed specialists help you choose a plan (Mon–Fri, 7AM–5PM PT). Once you're traveling, IMG's 24/7 multilingual assistance team — available in 18 languages — is on call anywhere in the world for medical referrals, emergency cash, and more. Coverage Details ## What Your Plan Covers Travel insurance plans from VisitorsCoverage protect the coverage areas that matter most for older travelers. Benefits vary by plan — the LX plan carries the highest available limits across every category. 🏥 #### Emergency Medical Expenses Hospitalization, surgery, physician visits, prescriptions, and follow-up care abroad — supplementing what Medicare doesn't cover internationally. Choice: $100K  ·  SE: $250K  ·  LX: $500K per person 🚑 #### Medical Evacuation & Repatriation Emergency transport to the nearest adequate facility or back to the U.S. The LX plan includes $1M and hospital-of-choice benefit. SE: Up to $500,000  ·  LX: Up to $1,000,000 🎫 #### Trip Cancellation Reimburses 100% of prepaid, non-refundable trip costs if you cancel due to illness, injury, or 60+ covered reasons — across all three plans. 100% of insured trip cost — all plans ⏱️ #### Trip Interruption Covers unused prepaid costs plus extra transportation home if your trip is cut short. The LX plan adds an extra 50% buffer above your trip cost. LX plan: Trip cost + 50% for extra transport 🧳 #### Baggage Loss & Delay Covers lost, stolen, or damaged luggage — plus out-of-pocket essentials if bags are delayed on arrival at your destination. SE: $1,500 loss  ·  LX: $2,500 loss · $500 delay ⏳ #### Travel Delay Meals, hotel, and rebooking costs when your departure or connection is delayed by a covered cause such as weather or mechanical issues. LX: $250/day · $2,500 maximum after 6+ hour delay 🦷 #### Emergency Dental Covers unexpected dental emergencies while abroad — a benefit Medicare does not provide internationally and most health plans exclude. LX: $1,000 (included within medical benefit) 🏡 #### Cancel for Any Reason (Optional Upgrade) Available as an upgrade on the SE and LX plans. Cancel for literally any reason — 75% of your non-refundable trip costs back, no questions asked. 75% reimbursement · Must purchase with base plan · Not available in all states ## ⚠️ Don't Leave the U.S. Without Coverage Medicare won't cover you abroad. Your domestic health plan likely won't either. One emergency overseas can result in a six-figure bill with no safety net. [Get My Free Quote Now →](https://insights.visitorscoverage.com/#quote) No credit card required · No medical exam · Instant policy delivery · 10-day free look Simple Process ## Covered in 4 Easy Steps VisitorsCoverage makes finding and buying travel insurance completely online — in under 5 minutes. 1 #### Enter Trip Details Travel dates, destination, ages, and trip cost. Takes about 60 seconds. 2 #### Compare Plans See plans side by side from A-rated carriers — with plain-English benefit summaries and automatic age filtering. 3 #### Choose & Purchase Pick the plan that fits your trip. Pay securely online. VisitorsCoverage price-matches any other agent or direct rate. 4 #### Travel Confidently Policy documents arrive by email instantly. IMG's 24/7 team is on call anywhere in the world if you need them. Real Customer Reviews ## What Travelers Are Saying Over 6,900 verified reviews on Trustpilot. Here's what a few of our  travelers experienced. [Trustpilot](https://www.trustpilot.com/review/visitorscoverage.com) Common Questions ## Frequently Asked Questions Straight answers to the questions we hear most from travelers... QDoes Medicare cover me when I travel internationally? Generally, no. Original Medicare provides almost no coverage outside the U.S. Medigap supplement plans provide some foreign emergency coverage but cap at a $50,000 lifetime maximum. Our senior plans provide up to $250,000–$500,000 in emergency medical per person — completely filling that gap. QCan I get covered if I have a pre-existing condition? Yes — with a pre-existing condition waiver. Most plans require purchase within 14–21 days of your first trip deposit. The iTravelInsured LX plan allows purchase up to the time of final trip payment. You must be medically able to travel at time of purchase. Our quoting tool automatically shows which plans you qualify for. QWhat age travelers can be covered? VisitorsCoverage offers plans for travelers up to age 99. Coverage options and premiums may adjust after age 80 or 85. Our quoting tool automatically removes plans you're not eligible for based on age — so you only see options that work for you, without having to check each plan manually. QHow quickly will I receive my policy documents? Instantly. Once you complete your purchase on VisitorsCoverage.com, your policy documents are emailed within minutes. You can also access them anytime from your online account. We recommend saving them to your phone before you depart. QWhat is Cancel for Any Reason (CFAR) coverage? CFAR is an optional upgrade on the iTravelInsured SE and LX plans that reimburses 75% of your non-refundable trip costs if you cancel for any reason — not just covered events. Must be purchased at the same time as your base plan. Not available in all states (not available to NY residents). QDoes VisitorsCoverage guarantee its prices? Yes. VisitorsCoverage guarantees its prices match those found with other agents, brokers, or going directly through the insurance provider. Travel insurance rates are regulated by state law — so you'll never pay more by using VisitorsCoverage than by purchasing anywhere else. 🏛️ A-Rated Underwriters US Fire Insurance · SiriusPoint ⭐ 4.8/5 on Trustpilot 6,900+ verified reviews 🔒 256-bit SSL Secure Your data is protected 📋 Licensed in All 50 States CA · FL · NY · TX · NJ · PA · IL 🏆 InsureTech100 Company Recognized 2 consecutive years Start in 60 Seconds ## Ready to Travel Without Worry? Compare senior travel insurance plans from A-rated carriers — free, instant, and no obligation. [Get My Free Quote →](https://insights.visitorscoverage.com/#quote) [📞 Call (866) 384-9104](tel:18663849104) No credit card required  ·  No medical exam  ·  Instant policy delivery  ·  10-day free look  ·  Price-match guarantee ![VisitorsCoverage logo](https://assets.visitorscoverage.com/production/images/VC-wing-icon-white-registered.svg) VisitorsCoverage © 2026 VisitorsCoverage Inc. · 2350 Mission College Blvd, STE 1140, Santa Clara, CA 95054 Licensed insurance agency · Not affiliated with Medicare or any government program Licensed specialists: Mon–Fri 7:00AM–5:00PM PT · [(866) 384-9104](tel:18663849104) · [support@visitorscoverage.com](mailto:support@visitorscoverage.com) [Privacy Policy](https://www.visitorscoverage.com/privacy/)  ·  [Terms of Use](https://www.visitorscoverage.com/terms/)  ·  [License Numbers](https://www.visitorscoverage.com/licensing-info/)  ·  [VisitorsCoverage.com](https://www.visitorscoverage.com) Coverage, benefits, and terms vary by plan and state of residence. Benefit limits for NY and WA residents may vary. Pre-existing condition waivers require purchase within the specified window and that you are medically able to travel at time of purchase. Cancel for Any Reason benefit not available in all states or to NY residents. Always review the full policy documents before purchasing. Insurance coverage is underwritten by United States Fire Insurance Company and SiriusPoint America Insurance Company (A- Excellent, AM Best 2023). VisitorsCoverage Inc. is an insurance marketplace and is not the insurance carrier. iTravelInsured is a registered trademark of International Medical Group (IMG).