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This Auto Insurer Is Offering a ‘50% Discount’ to Customers With Self-Driving Cars
Could self-driving cars be the secret to cheaper auto insurance?
It’s early days, but some signs are pointing in that direction. The insurance company Lemonade, for instance, is already advertising a “50% discount” to Tesla drivers when Full Self-Driving (Supervised) mode is engaged.
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Human errors are often behind car crashes, making roads less safe and contributing to the cost of car insurance. Replace human drivers with less-mistake-prone computers, and the cost to insure self-driving cars will fall to a fraction of present amounts.
At least, that’s the idea.
“The consensus view is that increasing vehicle autonomy will materially reduce accident claim frequency,” Robert Hartwig, former president of the Insurance Information Institute and now an associate professor at the University of South Carolina’s business school, tells Money in an email. “All else equal, declining accident frequency will result in fewer claims and lower insurance costs. The problem is that ‘all else’ is not equal.”
Even if autonomous driving can reduce crashes, there are several reasons self-driving cars could fail to deliver insurance savings. A big one: Repair costs could rise as automakers add expensive sensors and cameras that must be fixed and recalibrated after collisions.
Here’s what else you need to know.
Will self-driving cars slash car insurance costs?
Tesla and Waymo are the leaders in self-driving technology. Both already have cars on the road with autonomous or partially autonomous driving features that can take passengers from point A to point B.
Waymo’s most recent ads tout that its vehicles — which boast a system that “never blinks” — are much safer than cars driven by humans, who may be inexperienced, tired, angry, intoxicated or otherwise slow to react.
But because Waymo is focused on robotaxis, the cost of consumer car insurance currently has little bearing on the Google-owned company.
For Tesla, it does. The company prices its Full Self-Driving (FSD) add-on subscription at $99 per month, claiming that it “improves U.S. road safety by over 80%.” To hear Tesla tell it, the value proposition of FSD isn’t just a better and safer driving experience — it’s also cheaper insurance.
Tesla drivers using Tesla Insurance, the company’s in-house option, can take advantage of an FSD discount: The score-based insurance pricing model awards drivers a perfect 100 score for FSD miles, resulting in “lower insurance premiums over time,” according to Tesla’s website. Lemonade’s discount, now in four states, has a similar premise but a somewhat different structure.
While Americans are starting to see more self-driving cars on the roads, Tesla, Waymo and the companies trying to catch up to them still have work to do. They must prove to regulators that their technology is safe enough for broader approval and show insurers that it is safe enough to warrant discounts. Both are crucial to getting the general public to buy in.
But insurance experts stress that there’s a difference between the statistics you see in a flashy commercial and the type of rigorous data science that actually gets new tech accepted for the road.
“Tesla’s safety reporting statistics are unmoored from reality,” says Bryant Walker Smith, an associate professor of law at the University of South Carolina, who studies self-driving cars.
A recent report from Reuters alleged that Tesla made apples-to-oranges comparisons of its crash rates, unfairly stacking incidents defined by airbag deployment against crashes that involved tow trucks (a lower bar). Outside analysts told the outlet that Tesla vehicles with FSD actually traveled about three times farther between crashes than typical cars — not 10 times farther, as the company had claimed.
The National Highway Traffic Safety Administration also has four active investigations related to Tesla self-driving.
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Lemonade’s discount: The promise — and limitations
The digital insurance company’s FSD discount became available in Colorado in late June following earlier launches in Indiana, Oregon and Arizona. The company says it expects to roll it out to all of the states where Lemonade offers car insurance later this year.
Maya Prosor, Lemonade’s chief business officer, tells Money the company sees “sophisticated,” personalized pricing that better reflects true risk as the solution to the rising cost of car insurance.
“When it comes to Tesla and autonomous driving, the data is already there to showcase that it’s really much safer than humans driving,” she says.
A 50% discount on car insurance surely sounds groundbreaking. But the fine print is important.
Unlike most traditional car insurance policies, Lemonade’s pricing is a pay-per-mile model, and the insurer relies on telematics data from Tesla to determine when FSD is in use. It’s a type of usage-based insurance, or UBI, program.
For example, one Arizona driver posted a screenshot on Reddit of pricing that shows a $98.64 base premium, plus a usage-based charge of about 10 cents for every normal mile driven and a 5-cent charge for every autonomous mile. The 50% discount only applies to the usage-based per-mile charge. The base premium is unchanged.
Lemonade executives acknowledge that the current market for self-driving vehicle insurance is limited. The company wanted to be first out the gate, Prosor says, and sees the discount as a long-term investment to acquire customers.
According to Prosor, some Tesla FSD users are saving 30% to 40% on their car insurance with Lemonade. In online forums, however, users have shared a mix of experiences: Some reported savings, while others said Lemonade’s quotes were significantly more expensive than their current insurance.
Critics of the discount, like Smith, call it pure “marketing,” comparing it to a grocery store that puts an arbitrary $8 list price on a box of cereal, charges $4 (the standard price) and calls it a 50%-off sale.
Others have concerns beyond price. Patrick R., a Minnesota resident who owns a 2025 Tesla Model Y Performance insured by USAA, tells Money he prefers to keep his driving data to himself.
Lemonade “need[s] to connect to your car to verify that you are using FSD to get any discounts,” he says in a message. “That allows them to see how you drive, i.e. speeds, driving times, total miles driven. The Tesla API also allows them to see all the locations you have driven to, as well.”
He adds that he does not pay for FSD because he doesn’t feel it’s worth the cost.
“They would need to give me a discount of more than $99 a month to cover the cost of FSD,” he says.
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Is Your Credit Card Working Against You in 2026?
Credit cards can be a financial tool or a financial burden. And, unfortunately, many consumers are experiencing the latter in 2026.
Between high APR interest and ever-evolving rewards programs, many people find their cards are working harder against them than for them.
The good news is that you can flip that script with a quick checkup on the cards in your wallet.
In this article, I’ll walk you through a simple checkup you can do on your current credit cards to assess if you need to make some changes.
Credit Card Checkup Check List
Let’s do a “wellness check” on your wallet to ensure that your credit cards are working for you, not against you.
1. Are You Regularly Carrying Balances with Your Credit Card?
First, let’s address the elephant in the room: The interest rate on balances for credit cards can be crippling.
In fact, the national average is 23.79% APR, according to data from Lending Tree.
That’s why money expert Clark Howard says it is imperative to pay your balances in full each month if you’re using the cards to earn rewards. Missing just one “in full” payment will dwarf the value of the rewards you received.
(Ex. You could receive 2% back for spending a dollar, but would pay 23% APR on the interest if you carry it forward as a balance.)
So, if you’re spending for rewards … pay the bill in full or don’t use a credit card at all.
If you find yourself in a position in life that requires borrowing money, you’ll likely find that your credit card isn’t the best option for borrowing. We recommend checking with your local credit union for more favorable borrowing terms. But if you need to use a credit card for the short term, we have recommendations for credit cards with 0% APR terms and cards with low APR.
2. Are You Paying an Annual Fee That Doesn’t Make Sense?
Many travel credit cards are well marketed on television, online and on social media to portray the ease and convenience of their travel perks and benefits.
But many of them have also upped their annual fees to fund these privileges. Some top-tier credit cards are asking for annual fees of up to $900 per year.
This can make sense for frequent travelers, but it can be a real money pit for infrequent or aspirational travelers.
I recently tackled this topic in an article urging people to stop paying for credit cards they barely use.
My recommendation is to take a hard look at your spending habits and perk usage with your annual fee cards over the last 12 billing cycles. If you don’t see an easy path to value relative to what you’re paying for the right to use the card, it may be time to downgrade or dump it altogether.
3. Do Your Spending Habits Match Your Card’s Rewards Program?
One of the key pieces to making a credit card work for you is ensuring you’re optimizing the value of the rewards you can earn with your spending.
Making sure you’re paying the bill in full and not paying unnecessary annual fees are the first steps, and then the next is checking your rewards program to ensure you’re being properly compensated.
For years, Clark has recommended carrying a no-annual-fee credit card that offers unlimited 2% cash back on all spending. This is a solid rate of return and can be considered a good catch-all card for everyday spending.
If your card pays you less than 2% back on your spending, you may want to consider finding a new card that levels you up.
And if you already have a card that rewards you with 2% back, you can enhance this further by finding supplemental cards that offer even more cash back in the categories where you spend the most.
This means you could earn 5% back or more on specific spending categories like gas, dining or groceries.
Team Clark offers a cash back credit card tool to help you get started.
4. Are You Getting Dinged with Fees with Your Current Cards?
Beyond annual fees and APR interest charges on balances, there are a few other areas where a credit card could be working against you.
If you’re an international traveler, you likely know the value of a credit card that offers no foreign transaction fees. If you don’t have a card that offers it, you’re like being charged 3% or more on every swipe you make while outside of the United States.
Other fees to watch out for include:
Using your credit card for a cash advance (Don’t do this!)
Late fees (Always set calendar reminders to ensure on-time payments … this can hurt your credit score!)
5. Is Your Credit Utilization Too High?
If you have your cash back rewards, annual fees, and bill payment habits in check, the last area you’ll want to review to ensure your credit cards are working for you is their impact on your credit score.
Making regular, on-time credit card payments is a great way to increase your credit score over time. But they can also have a negative impact if not handled properly.
The biggest dings come from missed payments and delinquent balances, but you could also hurt your score if your credit utilization is out of alignment.
Credit utilization is calculated as a percentage: the amount you owe divided by the total amount of credit available to you. It’s best to keep this under 30%, with a target of under 10%.
So if your total credit line (across all your credit cards and other loans) is $10,000, it’s good to owe less than $3,000, and great to owe less than $1,000.
You can help keep this formula in check by paying balances in full as quickly as possible. But you can also request a credit limit increase to change the math in your favor. Using these two in tandem is likely to produce the best credit score results.
How is your credit card situation shaping up in 2026? We’d love to hear your thoughts in the Clark.com community.
The post Is Your Credit Card Working Against You in 2026? appeared first on Clark Howard.
Starbucks tries something it failed at before
Ten months ago, in September 2025, Starbucks walked into 11,000 stores with NomadGo’s inventory Artificial Intelligence (AI) tool that promised 99% accuracy and counted up to eight times faster than a human.After 9 months, in May 2026, according to Reuters, an internal newsletter retired the entire program. Baristas went back to counting milk by hand.The NomadGo system confused milk varieties, missed products on shelves, and slowed employees down instead of helping them. CEO Brian Niccol had bet on it as part of his turnaround plan. It did not work.Now, Starbucks (SBUX) is trying AI at scale again, but with a meaningfully different approach. According to Bloomberg, citing an internal company presentation, the coffee chain is using AI-assisted coding to build its own internal software, specifically targeting tools that currently run on Microsoft and IBM infrastructure, in a move that CTO Anand Varadarajan framed earlier this year as a chance to cut the company’s $400 million annual software bill.SBUX closed July 9 at $106.41, up 2.45% on the session. The stock is up 27.92% year-to-date, according to Yahoo Finance.Also Read: Starbucks Corporation Latest News and StoriesWhat Starbucks is actually building this time and why it is differentWhat matters now is this. The distinction between what failed and what is being attempted now.The NomadGo inventory tool was a third-party product deployed to consumer-facing operations at the store level. Its failure was operational. Why? Computer vision that could not reliably distinguish between similar products in real retail environments. Yes, that is a hard technical problem that the vendor did not solve before deployment.What Bloomberg reported is a different category of AI initiative. Starbucks is using AI-assisted coding to build internal enterprise software that replaces vendor platforms, specifically IBM’s maintenance management system and Microsoft’s inventory management infrastructure. Internally developed applications are expected to roll out by the end of 2027, pending testing, according to the Bloomberg report.More Starbucks:Starbucks has new plan to beat Dutch Bros, 7 BrewStarbucks adding 5,000 new U.S. stores after closing 100sStarbucks eyes massive change in key marketThe AI-assisted coding angle is the structural shift that makes this bet more credible than NomadGo’s. Building enterprise software from scratch was historically prohibitive for non-technology companies because of the cost, time, and specialized engineering required. Now, generative AI coding tools have meaningfully lowered those barriers. Starbucks has been pushing its tech workers to use AI coding tools aggressively, reportedly factoring AI usage into employee bonuses, Bloomberg reports.The company is also on track to reduce its enterprise technology budget by approximately $30 million in the fiscal year ending in late September, including $10 million in software savings and $13 million from reducing external contractors in favor of internal staff.$400M software bill, $2B turnaround target, and a Starbucks business that is recoveringVaradarajan told employees that Starbucks spends approximately $400 million annually on software and sees “clear opportunities to reduce the spend,” according to Bloomberg. The company is reviewing every technology contract and, in some cases, building its own alternatives for applications that engineers already heavily customize.Starbucks has also been working for several years on a point-of-sale system designed to replace Oracle’s Simphony platform. That’s a separate and longer-running internal development effort that predates the current AI initiative.Related: Starbucks taps childhood nostalgia with 5 new drinksThe technology cost reduction effort is part of a broader $2 billion turnaround program under Niccol, CFO Cathy Smith told CNBC’s Kate Rogers. That context is important for you as an investor reading this story. The AI software initiative is not a vanity technology project. It is a cost reduction lever in a company-wide financial restructuring.The underlying business is showing genuine recovery. Q2 fiscal 2026 results, reported April 28, showed consolidated net revenues up 9% to $9.5 billion, with global comparable store sales up 6.2%, according to Starbucks’ earnings release. North America comparable store sales grew 7.1%, driven by higher transactions and average ticket. Non-GAAP EPS of $0.50 expanded 22% year over year.This is the Starbucks our customers deserve.These were the words Niccol said in the Q2 earnings release.
In September 2025, Starbucks walked into 11,000 stores with NomadGo’s inventory AI tool that promised 99% accuracy and counted up to eight times faster than a human.Universal Images Group via Getty Images
My read: the failure history makes this worth watching closely, not dismissingI want to be direct about what I think is happening here.The NomadGo failure was instructive, but it should not define how investors evaluate this current initiative. Deploying computer vision in a consumer environment to count physical products in real time is a genuinely hard problem. Building internal enterprise software using AI coding tools is a different problem, and one that large technology companies have been demonstrating is solvable.Related: Starbucks has new plan to beat Dutch Bros, 7 BrewWhat concerns me is execution discipline. Starbucks has 41,129 stores, Q2 fiscal year 2026 results, and a history of deploying technology initiatives that do not scale cleanly. The IBM and Microsoft systems being replaced are not trivial: maintenance management and inventory management are operationally critical. Replacing them with internally built software that was developed faster and cheaper using AI coding tools carries real integration risk if the testing process is rushed.The timeline of “end of next year, pending testing” is the phrase I keep returning to. That qualifier exists for a reason. Starbucks has earned some skepticism here, given what happened in May 2026, and the stock’s 27.92% year-to-date gain suggests the market is already giving Niccol meaningful credit for the turnaround.Related: Starbucks, Dunkin’, and Luckin embrace non-coffee products
Upgrade your college dorm or apartment with back-to-school appliance deals starting at $17
TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.There’s still plenty of time left to enjoy summer break, but back-to-school season is quickly approaching. While classes won’t resume for another month at most universities and colleges, it’s never too early to start shopping for dorm room essentials. In fact, getting a jump on your back-to-school shopping will likely lead to better savings, as the best deals on twin XL-sized bedding and mini fridges tend to sell out well before the school year begins. Like most things in the economy, college tuition hasn’t gotten any cheaper, so it’s helpful to save wherever you can on any educational expenditures. Textbooks and school supplies are already a big investment, but for upcoming college freshmen who are moving out of their parents’ house and into the dorm rooms or apartments, there’s also everything else you’ll need to make your new dorm room your own. Whether you require a fluffy mattress topper to get a good night’s rest on the hard bed or a tower fan to keep the small space ventilated, these upfront costs can quickly add up.Out of all the things needed to furnish a bare college dorm room, the most expensive purchases will likely be for the appliances you want to add. From mini fridges and coffee pots to air purifiers and microwaves, there are several small appliances that could make college life a whole lot easier. We’ve searched high and low around the web, including the Walmart College Savings Hub and Amazon’s Back-to-School Shop, to find the best deals on these products. We handpicked selections with the lowest price points, the biggest discounts, and the highest customer ratings to help save you time and money during this busy back-to-school season.Mini fridge deals starting at $97Back in my day (which was longer ago than I’d like to admit), a mini fridge was my most-used appliance. It was stocked with soda and energy drinks in case I needed caffeine to fuel my late-night study sessions. Based on these habits, it’s no surprise I never made it to the cafeteria for breakfast, so the refrigerator was filled with yogurt and coffee creamer to get my day started. The nicest thing about the appliance was having a spot for leftovers or takeout containers, as this tasty food would have been thrown out otherwise. Most universities have a size limit on your refrigerator, but the Mainstays 1.7 Cubic-Foot Compact Mini Refrigerator should definitely fit within the requirements, and it’s on sale for under $100 at Walmart. When shopping for these mini-est of mini fridges, you’ll want to ensure that what you’re buying is actually a refrigerator. Many beverage coolers, which are marketed to fit just 4 to 8 soda cans, don’t get as cold as a normal refrigerator, so they couldn’t safely store meats, milk, and other perishable items. Generally, you should expect to pay at least $100 for a real mini fridge. The Costway 1.7 Cubic-Foot Mini Fridge only costs $110, making it one of the most affordable options at Amazon. If you want something that also has a freezer, because we all need ice cream every once in a while, you can find options for under $150.Mainstays 1.7 Cubic-Foot Compact Mini Refrigerator
Courtesy of Walmart
Check price at WalmartCostway 1.7 Cubic-Foot Mini Fridge
Courtesy of Amazon
Check price at AmazonGalanz 3.1 Cubic-Foot Mini Fridge with Freezer
Courtesy of Walmart
Check price at WalmartFrigidaire 65-Watt Retro Bar Refrigerator
Courtesy of Walmart
Check price at WalmartFrostorm 3.2 Cubic-Foot Mini Fridge
Courtesy of Amazon
Check price at AmazonElectric tea kettle and coffee maker deals starting at $17If you’re not a morning person, having a coffee maker in your dorm room can be a game changer. There may also be regulations for coffee pots in the dormitory, as continuous warming hot plates can be a fire hazard. Because of this, it’s usually a safer bet to go with a single-serve coffee maker like the Keurig K-Express Single Serve K-Cup Pod Coffee Maker, which is discounted to $70 at Amazon currently. If coffee pots are permitted, or you live near campus in an apartment, you can get the Mainstays Black 12-Cup Drip Coffee Maker for just $17 at Walmart. Another option is making coffee with a French press, which would just require hot water to get started. You could heat water in the microwave, but investing in an electric tea kettle would simplify the process, boiling water in minutes or less. Electric kettles are also great if you want to test out any dorm room cooking hacks, as they offer a resourceful way to simmer ramen noodles or hard-boil eggs. Mainstays Black 12-Cup Drip Coffee Maker
Courtesy of Walmart
Check price at WalmartKeurig K-Express Single Serve K-Cup Pod Coffee Maker
Courtesy of Amazon
Check price at AmazonDreamosa Small Electric Tea Kettle
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Check price at WalmartChefman Electric Kettle
Courtesy of Amazon
Check price at AmazonMicrowave and rice cooker deals starting at $25If your dorm room allows microwaves, and that’s a big if, because many dorm rooms don’t allow them, it will likely be restricted to a unit that’s under 1000 watts. However, college students living in apartments or suites with a dedicated kitchen will have more wiggle room. The most affordable microwave we’ve found is the Mainstays 0.7 Cubic-Foot Countertop Microwave Oven, which is on sale for just $49 at Walmart. It comes in three colors, and two are already showing low stock, so you won’t want to wait to add this one to your cart. Another affordable option is the Farberware 0.7 Cubic-Foot. Countertop Microwave Oven while it’s discounted to $68 at Amazon.Microwaves are great for whipping up quick meals, but if you can’t have one in the dorm room, a rice cooker may be a good alternative. That being said, rice cookers may also not be allowed in the building. If they are, the Dash Mini Rice Cooker costs just $25 at Amazon, and its compact size won’t take up too much space. Farberware 0.7 Cubic-Foot Countertop Microwave Oven
Courtesy of Amazon
Check price at AmazonMainstays 0.7 Cubic-Foot Countertop Microwave Oven
Courtesy of Walmart
Check price at WalmartDash Mini Rice Cooker
Courtesy of Amazon
Check price at Amazon Tower fans and air purifiers deals starting at $30Dorm rooms are notoriously cramped, and smaller spaces don’t always get proper ventilation and airflow. Having a fan can make all the difference in your overall comfort levels. The Mainstays 28-Inch Tower Fan with 3-Speed Settings costs just $30 at Walmart, but if you want something that fits on top of your desk, Amazon’s $40 deal on the Levoit Portable Tower Desk Fan may be a better selection. Air purifiers can also be helpful if your allergies kick up after moving to a new place, but they’re also helpful for managing unwanted smells you may encounter. You can get air purifiers, like the GoveeLife Mini Air Purifier, for as low as $38 at Amazon. If you want something that allows you to add essential oils for relaxation, the Levoit Core Mini Desktop Air Purifier with Aromatherapy has been marked down to just $40 at Walmart. To be a good roommate, just make sure your dorm buddies don’t mind the fragrance.Mainstays 28-Inch Tower Fan with 3-Speed Settings
Courtesy of Walmart
Check price at WalmartLevoit Portable Tower Desk Fan
Courtesy of Amazon
Check price at AmazonLevoit Core Mini Desktop Air Purifier with Aromatherapy
Courtesy of Walmart
Check price at WalmartGoveeLife Mini Air Purifier
Courtesy of Amazon
Check price at AmazonTheStreet Shopping is your guide for shopping insights and advice. We look beyond the price tag to find the best value in home, tech, and wellness gear based on product features and real-world use. Read more about our Editorial Standards and How We Choose Our Shopping Deals.
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7 Best Travel Insurance Companies for Seniors of July 2026
Key Takeaways
Seven Corners, Travel Insured International, HTH Travel Insurance, IMG Travel Insurance, World Trips, Faye and John Hancock rank among the best travel insurance companies for seniors.
Travel insurance can help you recover your money if your flight is delayed or canceled, if you lose your baggage, or if you get sick or injured during your trip.
Most travel insurance plans have a generous upper age limit — up to 99 years of age. However, certain benefits (adventure sports coverage, for instance) may have age caps.
A policy typically costs 4% to 12% of what you paid for the entire trip, according to multiple insurers and online marketplaces.
Methodology: Our team vetted 20 companies based on 15+ data points. We read the fine print and compared coverage options and prices to determine which insurers best serve the needs of older travelers.
Our top picks for the best travel insurance companies for seniors
Seven Corners – Best for Group Travel Insurance
Travel Insured International – Best for Multi-Trip Travel Insurance
HTH Travel Insurance – Best for Medical Coverage
IMG Travel Insurance – Best for High Dental Coverage
Faye – Best for 100% Digital Travel Insurance
John Hancock – Best for Trip Delay Coverage
WorldTrips – Best for Upgrades & Add-ons
Pros
Easy enrollment for groups of 10 or more
24/7 multilingual travel support
Optional sports and golf equipment rental up to $5,000
Cons
Pre-existing conditions waiver only available with Trip Protection and Trip Protection USA (if you purchase the medical bundle)
Medical benefit maximum of $10,000 for people 80 and older
HIGHLIGHTS
A.M. Best rating
A (Excellent)
TrustPilot score
4.6
BBB rating
A+
Why we chose it: We picked Seven Corners as the best option for group travel insurance for seniors because it offers both trip protection and medical-only insurance plans for groups of 10 or more.
Travelers can choose between comprehensive trip protection plans or just medical coverage, with the option to customize coverage for one or more travelers based on their needs. Both options include trip cancellation, bag delay and medical coverage.
Seven Corners offers primary medical coverage, which means that the insurer pays out first if you get sick or injured during the trip, as opposed to secondary coverage. The latter requires that you file a claim with your regular health insurer first.
Optional benefits include coverage for car and sports equipment rental, event tickets, “cancellation for any reason” and “interruption for any reason,” which cover up to 75% of non-refundable trip costs.
Pros
Single-trip and annual travel insurance plans
$500 pet kennel coverage maximum
Optional interruption for any reason coverage of up to 75% of trip costs
Cons
Annual plan not available for residents of Missouri, Montana, New York, Pennsylvania or Washington
Natural disaster evacuation coverage only available with the premium plan
HIGHLIGHTS
A.M. Best rating
A (Excellent)
TrustPilot score
4.1
BBB rating
A+
Why we chose it: Travel Insured International is our pick for the best multi-trip travel insurance option for seniors because it offers frequent travelers an annual plan that includes trip protection and medical coverage that is valid on multiple trips.
If you plan on making several trips in the coming year, Travel Insured International’s annual multi-trip plan offers trip protection and medical coverage for all of them. That saves you the hassle of having to purchase insurance for each trip.
The company offers $100,000 for accident and sickness expenses per trip and $100,000 for medical evacuations. The plan also allocates $2,500 per trip for bag loss or theft and has a trip delay benefit of $5,000 per trip ($200 per day) for delays of 12 hours or longer.
The cost of the base annual multi-trip plan is $94 a year for adults and $64 per year for children and increases with any upgrades you add.
Pros
Worldwide access to health services via the mPassport app
24/7 global medical assistance
Trip interruption coverage of up to 200% of tour cost
Covers up to age 95
Cons
Some plans require travelers to have an existing primary health plan
Cancel for any reason not available to New York or Washington residents
HIGHLIGHTS
A.M. Best rating
A
TrustPilot score
3.2
BBB
A+
Why we chose it: We picked HTH Travel Insurance as the best medical coverage travel insurance for seniors because it includes full coverage for doctor visits, diagnostics labs and X-rays.
HTH Travel Insurance offers two travel medical insurance plans — one for travelers with a primary health insurance plan and one for travelers who don’t have health insurance. Both plans allow customers to choose between four medical benefit options ($50,000, $100,000, $500,000 or $1,000,000) and four deductible options ($0, $100, $250 or $500). There are also single-trip, multi-trip and long-term coverage options.
Besides travel medical coverage, HTH Travel Insurance offers three trip protection plans — TripProtector Economy, TripProtector Classic and TripProtector Preferred. All three plans include trip cancellation, trip delay and trip interruption coverage. The trip interruption coverage covers up to 200% of trip costs, the highest percentage out of all the companies on our list. A highlight of HTH’s travel coverage is that it can include preexisting conditions, as long as you pay your premium within a certain period after booking.
Pros
Dental coverage limit of up to $1,000
Plans for airline and cruise travel
Up to $500,000 in primary medical coverage available
Several plans cover preexisting conditions
Cons
Budget plan offers secondary medical coverage
“Cancel for any reason” add-on is only available on one plan
Limited add-on options
HIGHLIGHTS
A.M. Best rating
A-
TrustPilot score
4.6
BBB rating
B
Why we chose it: IMG Travel Insurance offers comprehensive travel insurance and excellent health care benefits, which is important for seniors. In particular, the coverage stands out for offering $1,000 in dental coverage with every plan. This dental limit is somewhat of a rarity, as most of the plans we surveyed cap dental coverage at $750.
IMG Travel Insurance sells plans for both airline and cruise travel, as well as plans tailored to adventure sports enthusiasts and budget-conscious travelers who just need the essentials.
All of its travel insurance plans cover up to $1,000 for dental injuries abroad (like infections or broken teeth) as well as take-home prescriptions and supplies.
All of IMG’s insurance plans offer round-the-clock non-insurance services, including but not limited to: emergency cash transfers, medical referrals, help with lost travel documents, emergency translation services and embassy or consulate referrals. There are also dedicated medical plans that offer up to $8 million in coverage.
Pros
Fully digital claims process
Mobile app provides flight delays, gate changes and baggage claim updates
Add-ons for pet care and adventure sports
Cons
Some benefits aren’t available in every state
Doesn’t sell policies through popular insurance marketplaces
HIGHLIGHTS
A.M. Best rating
A+
TrustPilot
4.7
BBB rating
N/A
Why we chose it: Faye travel insurance offers a travel insurance product that’s highly customizable for tech-savvy seniors. The claims and reimbursement process is fully digital, and is supported by a user-friendly webpage and a mobile app to manage your policy on the go.
Older travelers comfortable with technology can purchase and manage their policy and file claims through the mobile app, with the option to chat with a live representative 24/7. The app can also connect you to telehealth services, find pharmacies, call your local embassy, check the weather and convert currency.
Another standout feature is Faye Wallet, a digital wallet within the Faye app that connects to your Google Pay or Apple Pay accounts for faster reimbursement.
You can further customize this travel plan with add-ons that cover veterinary or kennel costs, rental car damage and theft, adventure and extreme sports (regardless of age) and accidental damages to your rental residence.
Pros
Travel delays are eligible for coverage after just three hours
Preexisting conditions waiver on all plans
“Cancel for any reason” add-on available on all plans
Cons
Baggage delay benefit requires a 12-hour delay
No mobile app support
No concierge services for non-emergency travel needs
HIGHLIGHTS
A.M. Best rating
A+
TrustPilot score
N/A
BBB rating
N/A
Why we chose it: We selected John Hancock Travel as the best travel insurance for trip delays for seniors because of its short delay times. Policyholders can file a trip delay claim if their travels are delayed for as little as three to six hours (most insurers require that you wait 12 hours or more).
John Hancock Travel offers short delays — with fee variations — across the board, even with its least expensive plan. The plans differ in how much you can be reimbursed.
The Gold plan can reimburse you up to $1,000 ($200 per day) if your travels are delayed for three hours or more. The Silver plan, on the other hand, can reimburse up to $750 ($150 per day) with the same time requirements. Lastly, the Bronze plan offers the lowest coverage limit ($500) and has a longer minimum delay requirement of six hours.
Finally, policyholders can upgrade any of John Hancock’s travel insurance plans with add-ons for “Cancel for any reason”, rental car collision and in-flight accidental death & dismemberment.
Pros
Option to increase baggage coverage to $4,000
Travel delay coverage after just five hours
Choice of 75% or 50% “cancel for any reason” coverage
Cons
No primary medical coverage in budget plan
Trip interruption for any reason covers only 50% of expenses
HIGHLIGHTS
A.M. Best rating
A++ (Superior)
TrustPilot score
4.5
BBB rating
A+
Why we chose it: WorldTrips stands out for its supplemental coverage options, which should appeal to seniors. Policyholders can upgrade the basic travel insurance plan with several add-ons and add new covered events to boost their coverage.
Upgrades to any WorldTrips travel insurance include those for adventure sports, rental cars, pet care, destination weddings, “cancel for any reason” and “interrupt for any reason.”
Older travelers may want to consider the Elevate plan due to its high medical expenses and emergency medical evacuation coverage. The Explore and Escape plans both offer primary medical coverage up to $250,000 and $1,000,000 for emergency evacuation and repatriation.
Other travel insurance companies we considered
The following companies didn’t make it to our top picks, but they are still worth considering if the coverage and benefits suit your traveling needs. Read our full reviews to learn more:
Tin Leg
Tin Leg travel insurance offers nine travel insurance plans, including policies designed for cruise travelers and adventure sports enthusiasts. The coverage benefits are on par with the top insurers on the market, including coverage for travel delays, cancellations, lost luggage and medical emergencies, as well as extra rental car insurance and coverage if your trip is cancelled or cut short for any reason.
Why it didn’t make the cut: Unfortunately, Tin Leg’s minimum wait time to file a claim for baggage delay is 24 hours on the majority of its plans. By contrast, most other companies in our top picks accept lost baggage claims after 12 hours. Considering this is one of the most common travel inconveniences, the shorter the claim filing time, the better.
Travelex
Travelex Insurance Services offers three insurance plans: Essential, Advantage and Ultimate. These include coverage for trip cancellation, trip interruption and loss of personal items. Policyholders can further enhance their protection by purchasing nine add-ons, which include car rental coverage, adventure sports, increased medical expenses, additional baggage, cancel for business reasons, rental property coverage and emergency evacuation.
Why it didn’t make the cut: Preexisting condition coverage is important for many senior travelers, but it’s only available as an add-on for the Ultimate plan, the company’s most expensive option. Other insurers allow you to add a preexisting condition waiver to most plan options.
Berkshire Hathaway
Berkshire Hathaway offers three travel insurance options, including ExactCare Value, its most affordable plan. This plan includes the basics: trip cancellation, trip interruption, delay and baggage loss or theft.
Why it didn’t make the cut: While Berkshire Hathaway offers competitive travel insurance plans, we found that other insurers on our top picks offered similar benefits and more add-ons such as adventure sports coverage and riders for “cancel for any reason” and “trip interruption for any reason”.
What you need to know about travel insurance for seniors
Travel insurance for seniors is the same as travel insurance for any other age group, but there are some considerations for individuals aged 65 and above, mainly regarding medical benefits:
A minimum of $50,000 in medical coverage is recommended if you’re traveling abroad
Preexisting condition coverage is very desirable
Older travelers should also note that there’s a time limit for getting a preexisting conditions waiver. Insurance providers often require individuals to select the waiver (and purchase their policy) within 14 to 21 days of making their initial trip payment.
How much does travel insurance cost for seniors?
Travel insurance costs can vary widely. According to Generali Global, travel insurance costs between 4% to 12% of the total trip cost.
We surveyed 20 travel insurance companies and found that premiums ranged from $150 to $630 for two travelers who are aged 65 and 70, respectively, on a two-week trip to Spain. The combined trip cost was $4,225.
Costs vary based on the plan you choose and what it covers. The plans with the highest coverage limits for medical expenses, personal property and trip protection had the highest price tag.
How to get travel insurance as a senior
Read on for a breakdown of the steps to get travel insurance.
1. Assess your travel insurance coverage needs
When planning your trip, consider both your health conditions or specific needs and the activities you intend to engage in. Additionally, take stock of any credit card travel benefits and evaluate the coverage you’ll need depending on the destination.
For instance, international travelers should seek a plan with primary medical coverage, since domestic health insurance does not apply when traveling abroad. Conversely, domestic travelers who already have medical insurance may want the most coverage for prepaid trip costs, such as airfare, hotel and excursions.
2. Request and compare travel insurance quotes
Request quotes from several companies and review the plan documents, paying close attention to the policy’s fine print. In particular, look into each provider’s benefits for medical expenses, bag delay or loss, trip cancellation or interruption, and medical evacuation.
You can expedite this process by using a marketplace website like Squaremouth or TravelInsurance.com.
3. Declare any preexisting conditions during the application process
Next, disclose any preexisting condition to the provider to ensure coverage for flare-ups or emergencies related to it. Stable conditions like asthma are typically not considered preexisting.
For travel insurance providers, a preexisting condition is an injury or illness that prompted medical diagnosis or treatment during the policy’s lookback period — which is usually 60 to 90 days prior to the policy’s effective date, but sometimes up to six months.
4. Carefully read policy details, conditions and exclusions
Read the plan documents closely to ensure the policy aligns with your needs. As companies have strict definitions of coverage, you’ll want to make sure that you understand exactly what’s covered and how to properly use benefits when needed. Learning about the policy will also help you make a well-informed decision.
Methodology
We gathered sample quotes from 20 travel insurance companies, reviewed the benefits and selected the best travel insurance plans based on the following factors:
Medical expenses coverage: Our top picks offer at least one plan option that covers $100,000+ for medical bills and $500,000+ for emergency evacuation and repatriation of remains.
Travel-delay coverage: Delays are common in air travel, and waiting hours to file a claim is highly inconvenient. We prioritized insurers with short delay time requirements and excluded those requiring delays of at least 12 hours before accepting a claim.
Baggage-delay coverage: Luggage delay is another common problem during air travel. We included providers allowing claims within 12 hours, excluding those requiring travelers to wait up to 24 hours. This coverage is crucial as it helps mitigate the inconvenience of having to repurchase or go without essential travel items.
Baggage loss or theft: Our top picks offer at least one plan option or upgrade that covers baggage loss or theft for up to $1,000 or higher.
Trip cancellation and trip interruption: Our top picks cover 100% of prepaid, non-refundable travel expenses in case you need to cancel your trip as well as 100% to 175% of these expenses if your trip is cut short.
Add-ons: We took special note of add-ons such as “Cancel for Any Reason” (CFAR coverage), adventure sports and car rental collision coverage as well as upgrades to existing coverage levels.
Non-insurance services: We favored insurers that offer additional assistance services for inconveniences and emergencies that can take place during a trip, including multilingual translation and concierge services.
Travel Insurance for Seniors FAQs
Does Medicare cover me when I travel overseas?
Medicare typically doesn’t cover medical treatment outside the U.S., except in particular situations. It may cover inpatient hospital, doctor and ambulance services abroad if immediate medical care is needed and the nearest hospital equipped to offer adequate treatment is a foreign facility.
Does travel insurance cover pre-existing medical conditions?
Travel insurance covers pre-existing medical issues, if you meet the requirements. You’ll need to purchase the policy within 14 to 21 days (the actual number varies by insurer) after you make the first trip deposit — this typically refers to flight reservations. A handful of companies require you to purchase coverage even sooner — up to 24 hours after the initial trip purchase.
Travel insurance will exclude preexisting conditions if you don’t purchase the policy within the stipulated time frame. This means that any medical conditions present anywhere from 60 to 180 days before the policy’s activation are excluded.
Is there an age limit for travel insurance?
While travel insurance doesn’t have an age limit, some providers might impose restrictions or limits on medical coverage and other benefits based on the traveler’s age.
Summary of Money’s 7 Best Travel Insurance Companies for Seniors of 2026
Seven Corners – Best for Group Travel Insurance
Travel Insured International – Best for Multi-Trip Travel Insurance
HTH Travel Insurance – Best for Medical Coverage
IMG Travel Insurance – Best for High Dental Coverage
Faye – Best for 100% Digital Travel Insurance
John Hancock – Best for Trip Delay Coverage
WorldTrips – Best for Upgrades & Add-ons