Visas · the United StatesUS · Over 70
Travel insurance over 70 for US residents
Most travel policies stop at 69. These are the ones that do not, for someone resident in the United States. 6 of the 30 policies we track look workable for this profile, and 19 are ruled out for reasons we show.
What the rules say for this profile
Everything below is generated by running this exact profile through the same rules engine the site's checker uses, against insurers' published wordings and FAQs. Nothing is ordered by commission.
Likely yes Strong eligibility match 3
Published rules fit this whole profile.
| Insurer | Why | Source |
|---|---|---|
| IMGPatriot International / America | Your residence works. Near-worldwide for Patriot travel medical (sanctions carve-outs).Trip length fits. 5 days–12 months; renewable to 24–36 months by plan.Covered at your age; mind the caps. No hard cap, but the overall limit steps down: 65–69 $50–100k, 70–79 $50k, 80+ $10,000. | source checked 2026-08-03 |
| WorldTripsAtlas Travel / Atlas America | Your residence works. US and non-US citizens eligible outside their home countries.Trip length fits. 5–364 days, max 12 months including extensions.Covered at your age; mind the caps. No max age. 65–79 capped at $100,000 overall; 80+ capped at $10,000. | source checked 2026-08-03 |
| Cover-MoreSingle trip / Annual | Trip length fits. Twelve months on a single trip.Covered at your age; mind the caps. Single trip accepts up to 99 subject to acceptance criteria. Annual multi-trip is under 75. | source checked 2026-08-03 |
Specialist Specialist option 3
Built for the awkward part of this profile, or a marketplace covering many carriers.
| Insurer | Why | Source |
|---|---|---|
| EKTATravel / Seniors / Visa-Ready | Your residence works. “Suitable for citizens of all countries”, valid worldwide.Trip length fits. Long-term and annual options to ~1 year.Covered at your age; mind the caps. 0–100; dedicated Seniors product for 60+. | source checked 2026-08-03 |
| VisitorsCoverageMarketplace (40+ plans) | Your residence works. Customers from 175+ countries; actual eligibility per underlying plan.Trip length fits. Long-duration visitor plans available via carriers.Covered at your age; mind the caps. Visitor plans to age 99 available in catalogue. | source checked 2026-08-03 |
| Seven CornersTravel Medical / USA Visitor | Your residence works. Near-worldwide, but the US-inbound plan cannot be sold to residents of Australia, Nigeria, Ghana and others; Green Card holders excluded.Trip length fits. 5–364 days; USA Visitor Choice extendable to 1,092 days (3 years).Covered at your age; mind the caps. 14 days to 99 years on Visitor plans; pre-existing benefits end at 79. | source checked 2026-08-03 |
Maybe Worth checking 5
Nothing rules you out, but enough is conditional that the insurer decides.
| Insurer | Why | Source |
|---|---|---|
| Allianz Travel (US)OneTrip / AllTrips | Trip length fits. OneTrip Emergency Medical up to 180 days; annual plans 45–90 days per trip.Covered at your age; mind the caps. No maximum age published. | source checked 2026-08-03 |
| AXA Travel Protection (US)Explorer series | Trip length fits. Explorer OnTrip to 180 days; other plans 30–120.Covered at your age; mind the caps. No published maximum; purchaser must be 18+. | source checked 2026-08-03 |
| FayeTravel Protection | Trip length fits. Maximum trip length 180 days.Covered at your age; mind the caps. No upper age limit found in official wording (reported, not confirmed). | source checked 2026-08-03 |
| Cigna GlobalInternational health insurance | Your residence works. Expats and globally mobile people across 200+ markets, with dedicated country plans. Reported not available for sale in New York State.Trip length fits. Not trip-bound: an annually renewable health plan.Covered at your age; mind the caps. No published maximum entry age found, and it is actively marketed to over-60s and retirees. | source checked 2026-08-03 |
| battlefacePost-Departure / Discovery | Within age limit (85). Plans available up to age 85 (COVID medical cover only to 59).Trip length fits. Up to ~12 months in some markets; annual plan 40–92 days per trip.Residence: check your country. US, UK, EU + international storefronts; full residence list not verifiable (site blocks robots). | source checked 2026-08-03 |
Ruled out Not eligible, and why 19
The part other sites hide. These rules exclude this profile.
| Insurer | Why | Source |
|---|---|---|
| SafetyWingNomad Insurance (Essential) | Your residence works. Sold to residents of most countries; home country must not be under international sanctions.Trip length fits. Up to 364 days per purchase, auto-renews every 4 weeks.Age limit 69. Age brackets end at 60–69; a policy bought at 69 runs to term. | source checked 2026-08-03 |
| SafetyWingNomad Insurance Complete | Trip length fits. “Ongoing coverage, renewable indefinitely.” The long-stay answer when Essential's 364 days run out.Your country of residence is excluded. Complete is not sold to residents of the USA and its territories, Canada, Ireland, the UAE, Saudi Arabia and a sanctions-related list. Essential has no such list.Age limit 69. Same age brackets as Essential; cover runs to term once bought. | source checked 2026-08-03 |
| Globelink InternationalAlready Travelling / Single trip / Annual | Within age limit (89). 89 on single trip, around 84 on annual, but 74 on the Already Travelling policy and under 70 for winter sports.Trip length fits. Backpacker single trip runs to 15 months and can be extended while abroad to 18 months total; annual plans offer 17 to 120 days per trip.Residence. UK, all EU countries and the EEA (Iceland, Liechtenstein, Norway). Also covers Australian, New Zealand and South African passport holders temporarily resident in the EU. Switzerland is not EEA, so check with them. | source checked 2026-08-03 |
| GenkiTraveler | Your residence works. “Any citizen, any residence”, including nomads without any legal residence (Native).Trip length fits. 1–12 months, then switch to Native (unlimited).Age limit 69. Traveler up to 69. Native: join at ≤55, then no maximum age for life. | source checked 2026-08-03 |
| True TravellerTraveller / Traveller Plus | Within age limit (75). 75 on single trip, 65 on annual multi-trip, and 65 if you are buying while already travelling.Trip length fits. Up to 548 days, reducing with age: 50 and over is capped lower.Residence. UK plus around 39 European countries: the EEA plus Switzerland, Andorra, Gibraltar, the Channel Islands, the Isle of Man and most of the Western Balkans. | source checked 2026-08-03 |
| Chapka AssurancesCap Aventure / Cap Schengen | Within age limit (79). Cap Aventure is for under-79s; Cap Schengen has no hard cap and prices an 81-plus tier.Trip length fits. Cap Aventure runs three to 24 months. The short-stay and Schengen products cap at 90 days.Residence. Cap Aventure covers residents of the EEA, Switzerland, Andorra, Monaco and the French overseas territories. Cap Schengen, by contrast, is open to any residence worldwide. | source checked 2026-08-03 |
| Europ AssistanceSchengen / Schengen Plus | Your residence works. Residents of most countries worldwide, apart from an excluded list. EU residents may also buy for travel within Schengen outside their own country.Within age limit (74). You must be 74 or younger at the moment of purchase.Trip length fits. Visa-aligned: 90 days, or 90 in any 180, with an annual multi-trip option.Europe-only product. This plan only covers trips within Europe or the Schengen area. | source checked 2026-08-03 |
| DR-WALTERPROVISIT VISUM / PROTRIP-WORLD | Your residence works. The inbound products are open to any non-German citizen visiting or staying in Germany, the EU or the Schengen area, whatever your nationality.Trip length fits. PROVISIT VISUM runs to 180 days; PROTRIP-WORLD Traveler is 12 months renewable.Age limit 69. 69 on EDUCARE24 and PROTRIP-WORLD. PROVISIT VISUM has no explicit maximum, though a 65-plus price band exists.Europe-only product. This plan only covers trips within Europe or the Schengen area. | source checked 2026-08-03 |
| Care ConceptCare Visa Protect / Care Economy | Your residence works. Inbound Germany, EU and Schengen products for guests, students, jobseekers and skilled workers of any origin.Within age limit (74). 74 on both Care Visa Protect and Care Economy.Trip length fits. Care Visa Protect runs 92 days with an annual multi-entry variant; Care Economy runs up to two years including extensions.Europe-only product. This plan only covers trips within Europe or the Schengen area. | source checked 2026-08-03 |
| World NomadsStandard / Explorer | Trip length fits. Extendable up to 12 months (US residents: 180-day max single trip).Residence: check your country. Residents of 100–140 countries via regional storefronts, but EU sales currently limited to Belgium, Denmark, Germany and the Netherlands.Age limit 69. 18–69 for Standard/Explorer; 70+ referred to Silver Nomads (US only). | source checked 2026-08-03 |
| AXA SchengenBasic / Essential / Premium | Your residence works. Worldwide purchase; some countries (e.g. at war) not eligible.Trip length fits. Up to 90 days per stay; Annual = unlimited ≤90-day trips.Covered at your age; mind the caps. No age limit published; flat pricing historically.Europe-only product. This plan only covers trips within Europe or the Schengen area. | source checked 2026-08-03 |
| StaysureSingle trip / Annual / Long Stay | Trip length fits. Single trip 104 days; Long Stay up to 550 days under 65, dropping sharply with age (76+ is single trip only).Covered at your age; mind the caps. No upper age limit on single trip or annual. Long Stay is capped at 75.Residence. UK, Channel Islands or Isle of Man only, and you must have lived there for six of the last twelve months, with a local doctor and an NI number if you are 16 or over. | source checked 2026-08-03 |
| Southern Cross Travel InsuranceInternational Comprehensive / Working Overseas | Trip length fits. Twelve months including extensions. The separate Working Overseas policy runs up to 60 months.Covered at your age; mind the caps. No overall maximum stated, though the personal accident benefit runs 16 to 80.Residence. New Zealand permanent residents on the NZ site, Australian residents on the AU site. | source checked 2026-08-03 |
| HeymondoSingle trip / Long Stay | Your residence works. Marketed worldwide via localized storefronts; US residents face extra restrictions.Trip length fits. Single trip ~90 days; Long Stay renewable to 12 months.Age limit 69. Up to 69 for trips under 30 days, but only 49 for trips of 30+ days (Long Stay). | source checked 2026-08-03 |
| ACSGlobe Partner / Globe Traveller / Europax | Your residence works. Effectively global: the products cover travel outside your usual country of residence and residence itself is not restricted.Trip length fits. Twelve months on Globe Partner and Globe Traveller; Europax is 90 days or 90-in-180.Age limit 65. Globe Partner is under 40, Globe Traveller under 66, and the Europax Schengen plan under 70. | source checked 2026-08-03 |
| InsureandGoSingle trip / Annual / Backpacker | Trip length fits. Backpacker up to 18 months; annual per-trip limits run 31 to 55 days by tier.Covered at your age; mind the caps. No upper age limit, with dedicated over-65, 70, 75, 80 and 85 products.Residence. UK residents only. | source checked 2026-08-03 |
| CoverForYouSingle trip / Backpacker / One-Way | Trip length fits. Backpacker up to 18 months worldwide.Covered at your age; mind the caps. Backpacker is not available to anyone aged 51 or over. Single trip and annual ceilings not verified.Residence. United Kingdom only, and you must be permanently resident and registered with a UK medical practitioner. | source checked 2026-08-03 |
| FreelyPay-as-you-go travel cover | Trip length fits. Month-by-month structure suits long and open trips.Covered at your age; mind the caps. Insures up to age 99 (reported from two independent sources).Residence. Australian residents on the AU product; a separate product exists for US travellers. | source checked 2026-08-03 |
| TuGoEmergency Medical / Visitors to Canada | Trip length fits. Effectively capped by provincial health absence rules; stability rules differ for trips over 35 days.Covered at your age; mind the caps. No overall age limit reported for emergency medical, but a medical questionnaire is mandatory from 60.Residence. Canadian residents for the outbound products. A separate Visitors to Canada line covers non-residents already in or coming to Canada. | source checked 2026-08-03 |
Other situations for US residents
Travel insuranceTravel insurance rules for US residentsAlready abroadAlready abroad rules for US residentsOne-wayOne-way rules for US residentsLong stayLong stay rules for US residentsTrip to the USATrip to the USA rules for US residentsSchengen visaSchengen visa rules for US residents
Profile used: resident of the United States, not yet departed, medium trip, age band up to 79. Rules checked 2026-08-03. Insurers change eligibility without notice: confirm before you buy. Report an error.