Smart Coverage for Your Next Chapter
Whether you're newly retired or enjoying life as an empty nester, this stage opens the door to more meaningful travel. With the right coverage in place, you can protect your plans, your health, and your investment, so you can travel with confidence every step of the way.
Top Travel Insurance Plans for Independent Travelers
These plans are carefully selected to protect your full travel experience from flights and accommodations to medical needs and unexpected delays along the way.
TripWise Travel Protection Plan
- Trip cancellation coverage up to 100% of your trip cost
- Strong medical coverage
- Designed for trips under $25K
- Children included with adults
TripWise Travel Protection Plan
- Trip cancellation coverage up to 100% of your trip cost
- Strong medical coverage
- Designed for trips under $25K
- Children included with adults
TripWise Travel Protection Plan
- Trip cancellation coverage up to 100% of your trip cost
- Strong medical coverage
- Designed for trips under $25K
- Children included with adults
TripWise Travel Protection Plan
- Trip cancellation coverage up to 100% of your trip cost
- Strong medical coverage
- Designed for trips under $25K
- Children included with adults
IMG Choice
- Trip cancellation coverage
- Emergency medical included
- Trip interruption protection
- Travel delay coverage
IMG Choice
- Trip cancellation coverage
- Emergency medical included
- Trip interruption protection
- Travel delay coverage
IMG Choice
- Trip cancellation coverage
- Emergency medical included
- Trip interruption protection
- Travel delay coverage
IMG Choice
- Trip cancellation coverage
- Emergency medical included
- Trip interruption protection
- Travel delay coverage
IMG Choice
- Trip cancellation coverage
- Emergency medical included
- Trip interruption protection
- Travel delay coverage
IMG SE
- Emergency medical coverage
- Trip cancellation protection
- Emergency evacuation included
- Baggage coverage included
IMG SE
- Emergency medical coverage
- Trip cancellation protection
- Emergency evacuation included
- Baggage coverage included
iTravelInsured Journey Smart
- Coverage for travelers 80+
- Emergency medical included
- Emergency evacuation coverage
- Repatriation included
iTravelInsured Journey Smart
- Coverage for travelers 80+
- Emergency medical included
- Emergency evacuation coverage
- Repatriation included
Go Ready Elite
- Emergency medical coverage
- Trip cancellation protection
- Emergency evacuation included
- Baggage coverage included
Go Ready Elite
- Emergency medical coverage
- Trip cancellation protection
- Emergency evacuation included
- Baggage coverage included
All plans highlighted by ICI Traveler have been carefully selected based on coverage strength, reliability, and traveler feedback.
We've Done the Research. You Choose with Confidence.
ICI Traveler has already compared providers, coverage, and fine print—so you can confidently choose and purchase the right plan in minutes.
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Why Do You Need Travel Insurance in Your Next Chapter?
As an empty nester or retiree, travel often means going farther and staying longer, but it also means being prepared for the unexpected, especially when it comes to your health.
Most Medicare plans and standard health insurance provide little to no coverage outside the U.S., which can leave you responsible for medical care abroad. Travel insurance helps fill that gap, offering protection from departure to return so you’re not left handling medical or travel challenges on your own.
With the right plan, you’re not just protecting your trip—you’re ensuring you have access to care and support when it matters most.
Good travel insurance for seniors helps protect against:
- Missed departures due to flight delays
- Emergency medical evacuation and transportation
- Pre-existing medical condition impacts (when eligible)
- Trip cancellations or interruptions
- Missed departures and flight delays
- Travel delays or unexpected disruptions
What's Covered During Your Trip?
Trip Cancellation
Trip Cancellation
- Covered cancellations before departure
- Illness, injury, or emergencies
- Protection for your trip investment
Trusted Claims Support
Trusted Claims Support
- Experienced claims professionals
- Responsive claims assistance
- Support when you need it most
Emergency Medical & Evacuation
Emergency Medical & Evacuation
- Emergency medical treatment abroad
- Hospital and physician services
- Transportation to the nearest adequate facility
Lost Baggage
Lost Baggage
- Lost, stolen, or delayed bags
- Help replacing essential items
- Coverage for personal belongings
Travel Delay Support
Travel Delay Support
- Coverage for unexpected travel delays
- Meals and hotel accommodations
- Assistance when flights are disrupted
Natural Disasters
Natural Disasters
- Weather-related travel disruptions
- Covered delays or interruptions
- Help when plans change unexpectedly
Emergency Medical Care
Emergency Medical Care
- Unexpected illness or injury
- Doctor and hospital expenses
- Emergency medical evacuation
Rx Coverage
Rx Coverage
- Prescription medication coverage
- Replacement of essential medications
- Assistance locating pharmacies abroad
Dental Treatment
Dental Treatment
- Emergency dental care for accidents
- Treatment for sudden dental pain
- Access to dental services while traveling
Protection for Curated Travel
Protection for Curated Travel
- Designed for high-value travel experiences
- Protection for carefully planned itineraries
- Coverage that supports luxury travel needs
Planning a Multigenerational Getaway?
We help families protect more than just a single trip. Whether you're traveling with your kids, grandkids, or planning a larger, multigenerational adventure, we’ll help you find the right coverage for every part of the journey.
Trusted by ICI Travelers Around the World
“Customer service like this is rare today. The team was responsive, knowledgeable, and went above and beyond to make sure we had the right coverage. It gave us a lot of confidence in our decision. It was a pleasure working with them.”
Melissa U.
Travel Insurance Client
“Health Talents International sends medical volunteers to Guatemala each month to staff our surgical hospital, and we have worked with IMG for a couple of decades. We would not use anyone else. The pricing is economical, the enrollment process is simple, and the staff is unparalleled whenever we need support. We take the welfare of our volunteers very seriously, and it means a great deal to know they are protected when traveling with us.”
Susan M.
Health Talents International
“After seeing a close friend lose nearly $12,000 on a trip to Europe without travel insurance, I knew I needed to explore coverage for my own upcoming trip. As an AMAC member, I reached out and am so glad I did. Skyler was professional, courteous, and a pleasure to work with, taking the time to answer all my questions and help me find the right combination of coverage. While I hope I never need to use it, I have great confidence that any claim would be handled just as professionally.”
James “Jim” P.
AMAC Member | Pennsylvania
“Having insurance protection for our trip gave us tremendous peace of mind. Lynette took the time to help us select the right coverage, and I’m incredibly grateful for her guidance. I won’t go anywhere else for travel insurance.”
Bob B.
Luxury Travel Client
“We’ve used Mission Trip Travel for many years and have always had a wonderful experience. Their customer service is outstanding, and they are consistently quick to process our travel insurance requests. It’s been such a blessing to work with a team we can truly rely on. I highly recommend them.”
Kim
Outreach to Asia Nationals
“After a long and stressful day navigating hospitals and language barriers in Italy, Kristen connected us with the right people who could truly help. When my mother-in-law became seriously ill while traveling in Italy and needed to be transported home, it was such a relief knowing someone was there to guide us through every step and help ensure she returned safely.”
Trish G.
Family Member of Traveler
“When I became very sick while traveling, the claims process felt overwhelming at times. Alicia was incredible. She was kind, quick to respond, and helped me navigate every step. I’m so thankful for her support and how she truly went above and beyond.”
Brandi C.
Mission Traveler | Tim Tebow Foundation
“After running into challenges with a dental claim, Craig stepped in and advocated on my behalf. Thanks to his involvement, the claim was ultimately approved. I’m incredibly grateful for the support and will continue to use their team for all of my trips. Lynette is terrific as well.”
Tamara
Travel Insurance Client
“This was my first time leading a mission team, and Alicia made the insurance process completely stress-free. She was quick to respond, incredibly helpful, and guided me through everything we needed. I’m so thankful for her support.”
Tamela J.
Mission Trip Leader | New Covenant Fellowship
“If it wasn’t for Lynette, we wouldn’t have been able to recover our travel costs after my wife’s unexpected health diagnosis. Her service and dedication truly made all the difference. If there were a survey, we’d give her 10 stars.”
Tom & Sonya G.
Luxury Travel Clients
“We compared several travel insurance options and ultimately chose the AMAC plan recommended by the team. It saved us $936 compared to the individual plans we were originally considering. We felt confident in our decision and are so thankful for the guidance and support.”
Diane C.
AMAC Member
“This was our first time purchasing travel insurance, and we had so many questions. The team was incredibly knowledgeable, patient, and helpful. It made a huge difference being able to speak with a real person instead of trying to figure everything out on our own. That personal support made the entire process so much easier.”
Denise & Mike M.
First-Time Insurance Client
“After extensive research, our organization found TripArmor to be an excellent combination of affordable cost and essential coverage, especially for unexpected trip interruptions or medical expenses. Alicia and the team at Mission Trip Insurance have been an invaluable resource, always available to answer questions, guide us in the right direction, and help us make the most of the coverage we purchase. Their website is easy to use, documentation is immediate and accessible, and their support has been outstanding. I highly recommend working with them for mission travel insurance.”
Kate B.
Senior Director of Operations | World Orphans
“I was on the fence about purchasing travel insurance, but the team took the time to walk me through my options and helped me choose the right policy. During my trip, knowing I had that coverage gave me tremendous peace of mind and allowed me to fully enjoy the experience.”
AMAC Member
Verified Traveler
“I never travel without purchasing trip insurance, and it has been a pleasure working with Insurance Consultants International over the years. Their pricing is very reasonable, and they are always quick to respond to any questions or concerns. It gives me peace of mind knowing they are there if I ever need them.”
Susan M.
McGuffin Exploring Europe Traveler
“When I had to cancel a trip and file a claim, it was initially denied. Lynette stepped in, helped appeal the decision, and continued advocating on my behalf until it was ultimately approved and paid. I truly don’t think that would have happened without her support.”
Kevin A.
Travel Insurance Client
“The recent update on how we report our insurance requests has been great! I appreciate that it is a link just for our trips, and I get an email right away about how my request was received. I also appreciate how quickly you and your team are able to respond. You have been great to work with!”
Kristina W.
Mission Traveler | Navigators World Missions
“We have been trusting TripArmor for our international trip insurance needs for several years, and feel very thankful for the excellent service and protection we receive. I especially appreciate how accommodating Mission Trip Insurance is when we need to change countries for a policy or when we have a cancellation. MTI is responsive and supportive, and TripArmor covers all bases. We would recommend this policy to anyone facilitating international mission trips!”
Hope L.
Trip Coordinator | Living Water Internaitonal
“We have had a relationship with Insurance Consultants for many years, as we’ve arranged TripArmor plans for each of our international short-term mission trips. Every person within the organization has been extremely helpful to us as we’ve asked questions, purchased the plans, and filed any claims. A few years ago, we had a significant issue during a trip that involved a highly respected person involved in our ministry. As we walked through shock and grief, Insurance Consultants not only walked through the claim with us but also cared deeply for us by checking in, praying, and following up for months after the claim was completed. We highly recommend Insurance Consultants for the insurance coverage they offer and even more for the care they offer to their clients. ”
Brenda G.
International Impact Admin Assistant | Christ Community Church
“At VisionTrust, we’re truly thankful for the partnership we’ve had with Mission Trip Insurance. It’s been such a gift to know our teams are covered as they step out in faith to serve others. There’s a real sense of peace that comes with knowing we don’t have to worry about the “what ifs,” and can instead stay focused on the work God has called us to. Working with Alicia has been a joy- she’s always quick to respond, kind, and incredibly professional, which makes everything feel easy and taken care of. We’ve also really appreciated the coverage provided for each of our team members, especially at such a reasonable cost. It’s one more way we’ve seen God provide through the right people and partnerships at just the right time.”
Cheryl R.
Short Term Missions & Partner Relations Manager | Vision Trust
Empty Nester Travel Insurance FAQs
In most cases, Medicare provides little to no coverage outside the U.S. That means if you become sick or injured while traveling internationally, you could be responsible for expensive medical bills. Travel insurance can help cover emergency medical treatment, hospital stays, and emergency medical evacuation while abroad.
Yes. Many travel insurance plans offer coverage for pre-existing medical conditions if you purchase your policy within a specified time after making your initial trip deposit and meet the plan’s requirements. Buying early is important because these benefits are often time-sensitive.
Travel insurance can help protect against unexpected medical emergencies, trip cancellations, travel delays, lost baggage, and emergency evacuations. For retirees and empty nesters taking longer or more expensive trips, having coverage can provide added financial protection and peace of mind.
Most comprehensive travel insurance plans include emergency medical evacuation coverage. This benefit can help arrange and pay for transportation to the nearest appropriate medical facility if you experience a serious illness or injury during your trip.
If you need to cancel or cut your trip short due to a covered reason—such as illness, injury, or certain unexpected events—travel insurance can reimburse prepaid, non-refundable expenses like safari tours, lodging, and flights.
Some plans offer an optional Cancel for Any Reason (CFAR) upgrade. This allows you to cancel your trip for reasons outside of standard coverage and receive partial reimbursement, depending on the plan.