Many people travel in retirement. And a lot of them aren’t traveling on the cheap: Americans aged 50 and older say they plan to spend more than $6,840 on vacations in 2025, about 3% more than a year ago, an AARP survey found.
Some plan to venture abroad, while others plan to travel stateside. But no matter where you’re headed, there are steps you can take to make vacationing in retirement smoother, more enjoyable, and less expensive.
1. Pack light
Nobody wants to schlep around heavy bags, but traveling light is especially important if you have mobility issues or physical limitations of some sort.
From just $107.88 $24.99 for Kiplinger Personal Finance
Be a smarter, better informed investor.
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
“We try to never pack more than we can carry in one trip,” says Veronica James, who chronicles her travel experiences in retirement with her husband, David, at the Gypsy Nesters blog. “This eliminates leaving bags lying around while flagging a cab or catching a bus, or even while we are checking into a hotel. Everything is always with us.”
Tip: Buy a few packing cubes — small, compressible bags that you can use to fit more clothes in your suitcase.
2. Fight jet lag
“One issue that has definitely not gotten better [with age] is jet lag,” Veronica says. “Living in Southern California and having our daughter and grandchildren nine time zones away in Paris has led us to some world-class bouts of jet lag over the past few years.”
To combat jet lag, the Jameses like to break up their trips to Paris by stopping in New York or Boston, where they visit family for a few days before resuming their trip across the Atlantic.
Tip: Stay hydrated while you’re flying, since dehydration can worsen the physical symptoms of jet lag, studies show.
3. Choose an aisle seat on long flights
Older people are at greater risk of suffering deep vein thrombosis brought on by a lack of movement. If you’re taking a long flight, selecting an aisle seat can make it easier for you to stand and stretch, which will also help to prevent your muscles from becoming tense and stiff.
Tip: To help prevent blood clots, the National Blood Clot Alliance recommends walking for 30 minutes before boarding a flight. Wearing compression socks can also help reduce the risk of blood clots if you have circulation issues.
4. Stay hydrated
Extreme heat is more dangerous for older people, whose bodies are at greater risk of dehydration, according to the Cleveland Clinic. Make sure to drink plenty of water while traveling and watch out for signs of dehydration, such as fatigue, dizziness, dry mouth, headaches, chills, muscle cramps, or flushed skin.
Tip: In addition to drinking water, eating foods that are high in water content, such as cucumbers, bell peppers, apples, watermelon, and celery, can help you stay hydrated.
5. Watch out for travel scams
About one in three adults say they've been scammed when booking or taking trips, with a third of those losing $1,000 or more, a recent McAfee survey of over 7,000 people found. Although anyone can fall victim to a travel scam, older travelers should be extra vigilant, since they’re often targeted by fraudsters.
Tip: Be suspicious if you don’t see a contact page or a physical address, phone number, or email address on a travel booking website. It could be an indication of a bogus company that’s out to hijack your travel dollars. If you do fall victim to a travel scam, report the fraud to the FTC online or by calling 877-382-4357.
6. Consider alternative destinations
You may very well have a “bucket list” of places to visit that includes popular tourist destinations. But you could save money — and avoid large crowds — by traveling to less-frequented cities. According to AARP, 29% of those ages 50 to 59, 23% of those in their 60s, and 18% of adults 70 and older say they're willing to visit unique or off-the-beaten-path destinations.
Tip: Looking to travel to Europe? Instead of going to highly sought-after destinations like Italy, Spain, or Amsterdam, consider less-frequented countries such as Lithuania, Bulgaria, or Georgia, where you can find cheaper flights and hotel rates.
7. Take advantage of discounts for older travelers
Keep an eye out for cheaper hotels, cruises, and rental car rates for older travelers, as well as discounts at restaurants and attractions.
Tip: Planning to travel by train in the U.S.? Amtrak offers customers 65 and older a 10% discount on most rail fares and routes. Love exploring national parks? People ages 62 and older can purchase a one-year America the Beautiful — the National Parks and Federal Recreational Lands Pass for just $20 or a lifetime pass for $80.
8. Never put medications in checked luggage
Always keep your medication in a carry-on bag on to avoid issues if your luggage gets lost.
Tip: Carry a list of your meds, with your doctor’s contact information, in case you need to replace any lost medications during your trip.
9. Purchase travel medical insurance
Medicare might provide you with limited emergency care coverage when you’re traveling outside the United States, but it won’t cover most medical evacuations.
That’s where a travel medical insurance policy comes in. The average plan in 2025 costs $90, according to travel insurance comparison site Squaremouth, but costs can vary depending on your age and the policy’s coverage limits and exclusions. Even healthy seniors could benefit from purchasing a policy, since older people are more prone to falls and accidents due to decreased bone density, balance issues, and slower reflexes.
Tip: If you have any pre-existing medical conditions, make sure the travel medical insurance policy covers them.
10. Utilize memberships for travel deals and discounts
Jennifer Huber, author of the Solo Travel Girl blog, says she takes advantage of her memberships to AAA and AARP to score lower hotel rates. Moreover, “I hold an annual membership to the Peace River Botanical & Sculpture Gardens in Punta Gorda, Florida, and because they belong to the American Horticultural Society’s Reciprocal Garden Network, I receive free admission to more than 360 [gardens] in North America,” she says. “Last year, I visited at least four gardens during my travels, in addition to the home gardens, so the membership paid for itself.”
Tip: If you like to go to museums while you travel, consider joining a museum that includes access to the North American Reciprocal Museum Association, which offers free admission to hundreds of cultural institutions across the U.S., Bermuda, Canada, the Cayman Islands, Puerto Rico, and Mexico. You can find participating museums on NARM’s website.
11. Choose a hotel that meets your needs
Not all hotels can accommodate guests with mobility issues. If stairs are a problem for you, make sure the hotel has a working elevator—or see if they can provide you with a room on the ground level.
Tip: If you use a wheelchair, call the hotel and ask whether the bathroom is spacious enough to fit a wheelchair and whether the shower has grab bars.
12. Use a travel rewards credit card
“One of the most important ways to cut your travel costs is to get credit cards that provide the most travel benefits,” says Jim Ferri a retired travel agent and the author of the Never Stop Traveling blog. In fact, many credit card companies market their rewards cards to retirees, who often have a significant amount of disposable income earmarked for travel. “Credit card companies, especially those in the travel industry, are eager to have you as a client,” Ferri says.
His advice: “Look for cards that provide many benefits, such as thousands of points in sign-up bonuses, airline incidental statement credits, and free or discounted Global Entry or TSA PreCheck application fees.”
Tip: Check out Kiplinger’s list of the best travel rewards credit cards to find a card that suits your spending and travel behaviors.
Related Content
-
Elon Musk's $1 Trillion Pay Package Vote: What's at Stake for Tesla StockTesla shareholders are voting this week on a massive pay package for CEO Elon Musk. Here's what it means for the Mag 7 stock.
-
How to Read a Company's Balance Sheet Like a Stock ProKnowing how to read this financial statement can help you separate strong companies from struggling ones.
-
How to Choose the Best Charities to Donate ToWhile you set your giving strategy, think about your values, and select organizations that will put your contributions to good use.
-
I'm a Financial Planner: This Is Why Commitment, Not Perfection, Drives Financial SuccessMeeting your goals is more likely if you stick to your strategy despite market volatility and scary headlines. Consistency makes a difference.
-
I'm a Financial Professional: This Is Why Now Is the Time for Investors to Look AbroadExtreme U.S. market concentration has made international equities not just a diversification play, but a timely opportunity.
-
Four Ways to Make the Most of Your Benefits During Open EnrollmentOpen enrollment is a chance to make sure you're getting every ounce of value from your workplace benefits and on track to reach your long-term financial goals.
-
Tariffs, Inflation, Uncertainty, Oh My: How to Feel Less Stressed About Finances NowTariffs, high prices and an uncertain economy getting you down? These steps can help.
-
Three Veterans Charities to Support As Charitable Season StartsIf you're looking for a worthwhile cause to support for Veterans Day and beyond, consider these three highly rated charities that support veterans and their families.
-
Your Estate Plan Isn't 'Done' Until You've Completed These Five Steps, From an Estate Planning AttorneyCongratulations on getting your estate plan in order. Now, you need to communicate the relevant details to ensure your plan is effectively carried out.
-
A Nightmare for Parents: How to Navigate the Legal Boundaries of Tenant Rights During a Family CrisisThis family's story illustrates how important it is to get help sooner rather than later and highlights the complexities of tenant rights and legal protections.
