Seniors Travel Insurance

Information verified correct on March 27th, 2015

Over 65 and looking for affordable travel insurance for seniors with medical cover?

Don't pay more than you have to for seniors travel insurance. This guide provides tips for finding the best seniors travel insurance policy, the best travel insurance for over 80s, travel insurance for seniors with pre-existing conditions and much more. However, if ready to receive a quote for cover, simply enter the details of your trip in the form below.

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Read more about Seniors Travel Insurance

Can I get travel insurance if I'm a senior traveller?

There are a number of different providers that offer seniors travel insurance. It is worth noting that the cost of travel insurance for seniors is higher than that of younger travellers because of the increased risk of injury or illness that can come with age. However, just because the base premium is higher for seniors travel insurance doesn't mean there aren't deals to be had.

What types of travel insurance is available to seniors in Australia?

There are different types of travel insurance elderly, all you need to do is check and see which one offers the right cover for your travel needs. It is important to travel insurance that is going to suit both your needs and your budget. Seniors travel insurance options include:

  • Basic, Essential and Premium. Just like with any other form of travel insurance, seniors travel insurance has tiers of cover.
  • Annual travel insurance for seniors. Annual multi-trip travel insurance for seniors provides cover for an unlimited number of trips in any 12 month period. This means that you don't need to apply for a new policy for each trip. Annual travel insurance for seniors is not only more convenient but is generally cheaper if you travel 3 or more times a year.
  • Cruise travel insurance over 65. Cruise trip travel insurance for over 65s offers additional cover for losses that may be incurred while on a cruise trip. Additional cover can be provided for:
    • medical expenses incurred while at sea
    • medical allowance if confined to cabin
    • cancelled excursions due to bad weather
    • cancellations due to missed cruises.

Learn more about cruise travel insurance

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Can I be too old for travel insurance?

Age limits for seniors travel insurance vary between different insurer. Most insurers have a number different policies and cover is generally reduced for older travellers. Below is an example of how different ages may be dealt with by insurers.

Age General Policy Access
Under 60 Able to purchase any policy
Aged 60 and older Able to purchase any policy though an age loading may apply
Aged under 75 years of age Able to purchase policy with reduced cover and benefits
Aged under 80 years of age Able to purchase policy with reduced cover and benefits
Aged 80 years and over May be required to submit medical declaration to be able to purchase policy with reduced benefits
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Who is the most popular insurer for seniors?*

*Data based 13,000+ enquiries made through the quote engine from July 2014 to January 2015. Data used to find the most popular policy for 65+ travellers

If you are after the most popular policy with other senior users, have a look at the table below, which lists in order the top ten most popular seniors travel insurance providers from within our panel.

Provider Product Product Details Apply
Fast Cover Single Trip - Comprehensive
  • Unlimited Cancellation Fees and Lost Deposits Cover
  • Unlimited Overseas Medical Expenses Cover
  • $5,000 Rental Vehicle Excess Cover
  • $5,000,000 Personal Liability Cover
Get quoteMore info
Virgin Money International Comprehensive
  • 24 hr emergency assistance
  • Unlimited overseas emergency expenses
  • Up to $7,500 luggage and personal effects cover
  • $3,000 rental vehicle excess cover
Get quoteMore info
CoverMore Options Single Trip
  • Unlimited overseas medical and dental
  • Unlimited additional expenses cover
  • $12,000 luggage and travel documents cover
  • $2,500,000 personal liability cover
Get quoteMore info
Travel Insurance Direct Single Trip International
  • Unlimited Medical Expenses Cover
  • Unlimited Cancellation Costs Cover
  • $12,000 Luggage and Personal Effects Cover
  • Journey does not need to start or end in Australia
Get quoteMore info
AIG Mature Age
  • Premium savings of up to 20% available
  • Cover for +70 travellers
  • Up to $8,000 in luggage cover
  • Car rental excess cover up to $6,000
  • Cover for cancellation fees and lost deposits
Get quoteMore info
1Cover Comprehensive Single Trip
  • Unlimited overseas medical expenses cover
  • $50,000 additional accommodation and travel expenses
  • Unlimited cancellation fees and lost deposits cover
  • $15,000 luggage and personal effects cover
Get quoteMore info
Zuji Comprehensive
  • Unlimited cancellation fees and lost deposits
  • Unlimited overseas medical and hospital expenses
  • $5,000 luggage and personal effects cover
  • $1,000 travel delay expenses
Get quoteMore info
Southern Cross Single Journey
  • Unlimited medical and evacuation cover
  • $25,000 luggage cover
  • $5,000 rental vehicle excess cover
  • $50,000 cover for changes to travel plans
Get quoteMore info
Go Insurance Go Plus Single Trip Cover
  • Up to $25,000 in cancellation cover
  • Up to $10,000,000 in medical cover
  • $10,000 in personal property cover
  • $5,000,000 in personal liability cover
Get quoteMore info
InsureandGo Seniors
  • Cover for all seniors aged 60-100 years
  • Unlimited cancellation with gold policy
  • Cover for 90 sports and activities
  • Cover for up to $8,000 in belongings
Get quoteMore info
ProviderWhat is Covered?Quote
1Cover1Cover provide specialist seniors travel insurance for those who are older than 70. If you're 80 years old or over, you'll need to submit a Medical Declaration Form for assessment prior to purchasing a policy.Free Quote
American ExpressCover provided to those under 89 years of age on the comprehensive single trip policy.Free Quote
AIGIf you're a senior traveller 85 years and over wishing to apply for travel insurance, you'll need to obtain a Mature Age Assessment application from AIG. Those aged 85 years and over, if accepted, will be advised of the premium payable and any additional terms of cover.Free Quote
Budget DirectThis seniors travel insurance covers you if you are 100 years of age or under at the date of application.Free Quote
 Check-InThe maximum age covered by Check-In travel insurance is 79, on either its comprehensive or basic policy.Free Quote
CitibankCitibank single trip provides seniors travel insurance if you're aged between 70-89 years of age.Free Quote
Columbus DirectIf you wish to take out Columbus Direct travel insurance, you must be no more than 84 years old at the date of purchase.Free Quote
Cover-MoreCover-More offers seniors travel insurance for people up to 84 years of age.Free Quote
EasyThose over 70 years of age at the time the Certificate of Insurance need to complete a Travellers Medical Appraisal Form. If your application is approved you will be advised of any restrictions may apply and may have to pay an additional premium.Free Quote
Fast CoverTravellers 90 years of age and over are subject to various conditions depending on the policy.Free Quote
Go InsuranceThis policy is available to persons aged 69 and under at the time of purchase.Free Quote
InsureandGoThis travel insurance only covers persons who are 100 years of age or under at the date of application.Free Quote
iTrekAvailable to travellers aged 65 years and under.Free Quote to travellers aged 65 years and under.Free Quote
Southern CrossTravellers cannot be more than 101 years of age.Free Quote
Travel Insurance DirectTravel Insurance Direct offers people up to the age of 81.Free Quote
Travel InsuranzTravel Insuranz has a seniors travel insurance policy for those aged between 66 and 80.Free Quote
VirginThere does not seem to been an age limit for Plan A (Comprehensive) and Plan B (Australia Only). However, it is advisable to check with the provider prior to purchase.Free Quote
WoolworthsWoolworths cover policyholders on its comprehensive or basic who are not older than 79 at the time of purchase.Free Quote
WorldCareWorldcare provide comprehensive travel insurance cover up to 85 years of age.Free Quote
youGoYouGO provide cover until the age of 84.Free Quote
ZujiAvailable to travellers 75 years of age and under.Free Quote
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How much is travel insurance for older travellers?

ProviderSCTIInsureandgoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller65656565
Total cost of cover$125.00$161.56$190.22$110.70
Get QuoteGet QuoteGet QuoteGet Quote

*Prices shown accurate February, 2014. Rates subject to change.

ProviderSCTIInsureandgoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller70707070
Total cost of cover$206.00$161.56$190.22$156.90
Get QuoteGet QuoteGet QuoteGet Quote

*Prices shown accurate February, 2014. Rates subject to change.

ProviderSCTIInsureandgoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller75757575
Total cost of cover$336.00$197.46$236.14$216.90
Get QuoteGet QuoteGet QuoteGet Quote

*Prices shown accurate February, 2014. Rates subject to change.

ProviderSCTIInsureandgoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller80808080
Total cost of cover$432.00$452.65$541.31$330.90
Get QuoteGet QuoteGet QuoteGet Quote

*Prices shown accurate February, 2014. Rates subject to change.

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What should I be looking for in a policy if I'm over 65?

For travel insurance providers, seniors pose an increased risk because the chances of an injury or illness resulting in a claim are statistically higher than for younger people. With this in mind, some providers apply a premium loading on policies to account for the additional risk. This makes it even more important for seniors to take the time to compare different options available to help them find affordable seniors insurance.

Tips to Find the Best Seniors Travel Insurance:

Although the cost of travel insurance for seniors tends to be considerably higher than the cost of travel insurance for younger people, it is still possible to get some reasonable deals on this cover with a little research, particularly if you are a relatively fit and healthy senior. Some of the tips that can help you to seek out right seniors travel insurance at a decent price include:

  • Who is the best provider for me? Many seniors are loyal and just go for a provider they know and already have cover with (e.g. health insurance). Unfortunately, this tactic is not the most effective way of finding the best value for money. By going online, seniors can compare policies side by side and decide which seniors travel insurance policy is right for them.
  • Should I get a policy through an age specialist? Although some providers avoid offering cover to seniors, there are others that specialise in travel insurance for seniors. As these providers only offer seniors travel insurance policies, you may find the application process a little smoother.
  • How do I know if a seniors travel insurance policy is right for me? It is worth reviewing the different policy benefits on the plan to see if it is worth switching to a more basic option that provides a reduced level of cover at a more affordable price.
  • How much cover do I need? Different providers offer different levels of cover on the policy features. It is worth assessing what an appropriate amount. You may decide to take out a policy with a reduced amount of cover for a lower premium rate.
  • Is there an age limit for seniors travel insurance? Different policies have different age restrictions applied for cover. It is critical to be aware of different age restrictions on policies. For more information about age restrictions for providers in our panel, please have a look at the table above.
  • How do I find cheap travel insurance for seniors? Compare as many quotes as possible. The more you limit yourself when it comes to getting seniors travel insurance quotes, the less chance you have of finding the right coverage at the right price. With this in mind, you should take the time to compare quotes from as many providers as possible.
  • Am I eligible for seniors travel insurance? It is especially important to check the eligibility on travel insurance for seniors before you spend time checking coverage levels etc. as you may be over the provider's maximum age limit. When you compare travel insurance for seniors, check the maximum age limit before you spend time checking the plan for suitability.
  • How much is travel insurance for seniors? The cost of travel insurance in Australia for seniors is higher because they are a higher risk to insurance companies. Just because the cost of seniors travel insurance is higher, doesn't mean you can find a good deal. Be sure to compare travel insurance for seniors in Australia.
  • How do I choose a policy? You also need to look at whether you will be getting a single trip insurance plan or an annual one. As a senior traveller who plans a few different trips over a period of time, you may find that getting an annual plan is the most cost effective option.
  • Should I select the optional extras? Most senior travel insurers offer a range of additional options that can be added to the policy to give a more comprehensive range of cover.
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Is my pre-existing condition covered?

One of the major barriers facing seniors looking for travel insurance is whether or not they have any pre-existing health conditions. Many insurers provide cover for health conditions up to a certain age. For example, many insurers in Australia exclude applicants over the age of 75 from receiving cover for pre-existing conditions.

What is a pre-existing condition?

A pre-existing condition is generally defined as:

  • an ongoing medical condition that the applicant is aware of, has a related complication of the condition, or the symptoms of which they are aware
  • a medical or dental condition that is currently being treated or has been treated by a certified medical professional
  • pregnancy
  • conditions that the policyholder treats with prescribed medication
  • conditions that the policyholder has had surgery on in the past.

What types of conditions are usually excluded?

The following conditions are generally excluded from cover on senior travel insurance policies:

  • any type of cancer or secondary cancer the applicant has been previously diagnosed with
  • condition related to recent surgery that the applicant has had
  • conditions related to brain or spinal surgery
  • chronic or recurring pain that the insured has consulted a medical practitioner for
  • mental Illness (Conditions on mental illness varies greatly between insurers, critical to have a clear understanding on the terms and conditions of this exclusion)
  • cardiovascular or cerebrovascular disease
  • organ transplantation. Past and future transplantations
  • conditions where there has been a terminal prognosis given with life expectancy of 2 years or less.

Conditions that are covered and excluded by seniors travel insurance policies varies between insurance companies. It is important to always be sure of what you are covered for prior to submitting your policy application.

Medical tips for senior travellers

  • Check with your doctor. Check to see if you have any unknown medical conditions before travelling. It might be worth having a complete medical exam to check for any unknown medical conditions.
  • Changes to medication. It is worth checking with your doctor to see is any need to adjust your medication based on the destinations you are travelling to. Diabetics should check to see if they would need to adjust their insulin dosage to account for different time zones.
  • Doctors statements. If you are taking medication for a pre-existing condition, you may require a written referral from your doctor to remove any chance of difficulty with customs officials as some medication may be illegal in different countries.
  • Buying medication overseas. Beware of purchasing prescription medication from different countries overseas as they may be quite different in terms of strength compared to what you are usually prescribed.
  • Make sure your vaccinations are up to date. Check to see what (if any) vaccinations you will need to have before your trip. Older travellers should consider taking medication for pneumococcal disease and influenza.

These are just a few of the medical tips that senior travellers should consider and they may vary considerably for people in different situations. If unsure, always check with your general practitioner before travelling.

The old man, the sea and a medical emergency

Santiago was in the middle of his round-the-world cruise trip when he suddenly felt short of breath. After seeking help from the cruise doctor, it was discovered that Santiago was suffering from a pulmonary embolism that required him being given oxygen until he reached the next port. Once at the next port, Santiago was rushed to the nearest hospital where he stayed for the next week. The total cost of his hospitalisation was $15,000.

Unfortunately, Santiago did not have travel insurance in place. Not only did he have to pay the out of pocket hospital expenses but also cancel the rest of his trip which was prepaid.

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Benefits and drawbacks of travel insurance for seniors


  • Increased competition among insurers has made it more possible for insurers to find travel cover
  • Number of insurers now specialising in travel insurance for seniors
  • May be able to be covered for certain conditions by providing additional medical evidence
  • Provided you meet the conditions of your policy, your claim will be paid.


  • Seniors travel insurance is generally more expensive
  • Age limit for multi-trip policies is usually reduced
  • Not all insurers to provide cover to seniors over 70
  • There may be an increased number of exclusions applied to the policy.
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What should I do before buying travel insurance?

There are a number of key steps seniors should take before leaving for their trip. While not all of these are directly related to insurance, they are worth considering all the same:

  • Always read the Product Disclosure Statement: It is crucial that you know exactly what you are and are not travelled for before applying for the policy.
  • Keep records of personal effects and belongings: Before you travel it is worth making a record of all of the belongings you are taking with you on your journey. If possible, take photos and make photocopies of the receipts, as you may need them if you need to make a claim.
  • Check if there are any warnings for traveller warnings for your destination: is the best source for Australian travellers looking to check up on any traveller warnings for particular destinations they are visiting. It is worth seeing if there has been any particular unrest in your destination.
  • Make a second copy of your travel insurance policy: Keep one copy with a family member or close friend at home and keep the other with you in a separate location.
  • Tell someone about your itinerary: It is always worth telling a family member or close friend about your travel itinerary before leaving. If possible, email through a day-to-day itinerary so they know where you are going to be and when. It is also worth registering your travel and contact details online before you travel at
  • Check your passport: It is crucial to ensure your passport is valid before travelling. Your passport must be valid for at least another 6 months from your date of return to Australia. It is worth making photocopies of your passport and carrying extra passport photos just in case it is lost or stolen.
  • When to take out cover: Apply for travel insurance as soon as you make any bookings for your trip so that you are covered for cancellations.
  • Organise money: Decide on the best travel money option for your trip whether it be travel money cards, travellers' cheques or credit cards.
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I'm ready to apply for senior travel insurance

If you are ready to compare policy options from different Australian insurance providers online, put your travel details into the quote form and compare seniors travel insurance policies from a range of providers. Always remember to check through the conditions of your insurance policy before submitting your application to ensure you have an adequate level of cover overseas. Compare senior travel insurance policies today

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8 Responses to Seniors Travel Insurance

  1. Default Gravatar
    jack | January 17, 2015

    I am 84, what medical history do you wish to know. Need cover for journey from Australia to USA TO the UK returning through the USA then back to Australia.

    • Staff
      Richard | January 19, 2015

      Hi Jack,

      Thanks for your question. Unfortunately, is a comparison website and not an insurer. Please have a look at the insurers that cover seniors from our panel of providers. This should help find an insurer that covers someone of your age.

      As for the medical history questions, what you need to provide varies from provider to provider.

      I hope this was helpful,

  2. Default Gravatar
    Ron | November 26, 2014


    We are planning on a trip to Canada & U. S. around August next year( 11th August to 9th Septerber ), it has been suggested that we get a few quotes on Travel & Health Insurance as we are going to America.

    I had a M.I. in 1995 and no problems since. My health is excellant with annual ECG check ups with my care plan. I have just had my Echocardiogram and it is good and will be having my stress test on the 10th of December, I have just had my 69th birthday and will be 69 at the time of travel, I will be accomopanied by my wife.

    Is there a phone contact that you can send me so that I can go through this person to person.


    • Staff
      Richard | November 26, 2014

      Hi Ron,

      Thanks for your question. is a comparison website and not an insurer. However, if you would like to fill out the quote form on the Seniors Travel Insurance page above, you will see all of the options available from our insurance panel. From that list you can choose an appropriate option and check with the insurer as to whether or not you need to purchase extra cover for your pre-existing condition.

      For more about travel insurance and pre-existing conditions, please have a look at the following page:
      Travel Insurance for Pre-existing Conditions

      I hope this was helpful,

  3. Default Gravatar
    Roberta | February 25, 2014

    My mother is 86 yrs,she is in good health. She likes to travel to USA for one to two months via Hongkong in Maywhat is the basic insurance she has to purchase?

    • Staff
      Marc | February 26, 2014

      Hi Roberta,
      thanks for the question.

      It’s difficult to suggest a type of travel insurance or type of cover for your mother without knowing her full circumstances. In most cases travel insurance providers will offer the same benefits but differ in the levels of cover they provide, so you might want to compare the different providers on this page and the travel insurance they offer to see if it would suit her and her circumstances.

      I hope this helps,

  4. Default Gravatar
    Kay | August 10, 2013

    I am trying to find and pay for travel insurance for my parents aged 81 and 79 to cover them for a trip from England to Australia for 5 weeks do you have any advice on this

    • Staff
      Claude | August 12, 2013

      Hi Kay,

      Thank you for your enquiry on Travel Insurance.

      You may wish to look into travel insurance policies that are designed specifically to cover senior travellers from 70 years of age up to 100. Travel insurance providers that are featured here offer cover for senior travellers and it is important to read the Product Disclosure Statement (PDS) of each cover to have a clear understanding what your parents will or will not be covered for.

      There are some important factors to consider when comparing different travel insurance policies to suit your parents’ needs:

      • Age restrictions: Make sure you are aware of the age bracket that eligible for cover. Some providers may only provide cover for applicants under 81 years of age, while others up to 100 years old.
      • Level of cover: Different travel insurance providers will offer different levels of cover with their policies – from basic plan to comprehensive cover. It is important to assess your parents needs to determine which cover will suit their circumstances the most.
      • Policy features: It is essential that you compare the different features and benefits that are available with the travel insurance policies, as they vary between providers. Consider whether your parents may need additional benefits to cover for certain events, which will also vary between providers.
      • Cost of policy: There may be some additional loadings on the premiums you pay for senior travellers, and they may vary between providers. So, make sure to compare different quotes before settling on one policy.
      • Medical conditions: Do your parents have any specific health conditions that may prohibit them for travelling overseas? It is crucial to read through the terms and conditions and understand which medical conditions that are and are not covered with your policy.

      Hope this helps. Please do not hesitate to contact us if you need further assistance. We wish you all the best with your enquiry.


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