How age affects your travel insurance coverage
All five Israeli insurers cover seniors — but the older you are, the shorter the maximum trip and the higher the premium. Here are the maximum trip durations by age group and insurer.
| Insurer | Age 61–70 | Age 71–75 | Age 76–80 | Age 81–85 | Age 86+ |
|---|---|---|---|---|---|
| Harel | 120 days | 120 days | 60 days | 30 days | — |
| Phoenix | 120 days | 120 days | 60 days | 30 days | — |
| Migdal | 120 days | 120 days | 60 days | 30 days | 7 days |
| Menora | 120 days | 45 days | — | — | — |
| PassportCard | 180 days | 60 days | 60 days | — | — |
Maximum trip duration by age group, standard plans. — = not available at this age. Verify with the insurer before purchase; limits may vary by destination.
Pre-existing conditions — how they work
A pre-existing condition is any chronic medical issue diagnosed before your trip: diabetes, heart disease, controlled blood pressure, asthma, previous cancer, and many others.
The golden rule: always declare, always add the rider
Without a declared and paid pre-existing condition rider, a claim arising from that condition will be denied — even if the condition was stable for years. This is the most common cause of senior travel insurance claim denials.
- Declare the condition when purchasing the policy
- Complete the health questionnaire honestly
- Pay the additional premium for the rider
- Keep a copy of your diagnosis documentation while travelling
Each insurer has different questionnaires and different conditions they will and won't accept. At older ages with multiple conditions, the policies diverge significantly — this is exactly where an agent's knowledge of each insurer's underwriting rules pays off.
How much does senior travel insurance cost?
Premium increases significantly with age, especially past 65. Below are indicative daily rates for standard plans to Europe and the USA.
| Age group | Europe (per day) | USA (per day) |
|---|---|---|
| Under 60 | ~₪4–5 | ~₪8–10 |
| 61–65 | ~₪6–8 | ~₪12–16 |
| 66–70 | ~₪9–13 | ~₪18–26 |
| 71–75 | ~₪14–20 | ~₪28–40 |
| 76–80 | ~₪22–32 | ~₪44–64 |
Indicative daily rates for standard plan without riders. Pre-existing condition riders add further. Use the comparison tool for exact pricing by your age and dates.