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| Brand | Age limit | Apply |
|---|---|---|
 ahm | 99 and under | Get a quote |
 | 99 and under | Get a quote |
 | 125 and under | Get a quote |
 Fast Cover | 89 and under | Get a quote |
 | 99 and under | Get a quote |
 | 100 and under | Get a quote |
 Kogan | 125 and under | Get a quote |
 | 99 and under | Get a quote |
 | 118 and under | Get a quote |
 | 99 and under | Get a quote |
 | 100 and under | Get a quote |
 | 110 and under | Get a quote |
 Wise and Silent | 99 and under | Get a quote |
 Travel Protect | 99 and under | Get a quote |
 | 85 and under | Get a quote |
 | 130 and under | More info |
 | 99 and under | Get a quote |
 | 99 and under | Get a quote |
 | 120 and under | More info |
 | 120 and under | More info |
 NRMA | 99 and under | More info |
 | 120 and under | More info |
Note: This information was last updated April 2024
Most comprehensive travel insurance policies cover you for unlimited medical expenses if you need to go to hospital. They also typically cover medical evacuations.
29% of Australians, equivalent to around 5.8 million people, have had their flight delayed or cancelled in the last 12 months, according to Finder research. Travel insurance can cover you for cancelled or delayed flights.
Many travel insurance policies now cover COVID-related expenses. This includes if you need to cancel or rearrange your trip due to COVID.
A good travel insurance policy should cover you for lost and delayed luggage, credit cards, traveller's cheques and personal items. This could be really helpful as according to Finder's latest 2023 research, almost 8% of Australians have lost personal items when travelling.
Several travel insurers will automatically cover you for certain pre-existing medical conditions. This can include diabetes, hypertension and skin cancer.
If you have any pre-existing conditions, you should always let your insurer know. You can do this by completing a medical assessment.
It may be able to offer you cover for your pre-existing medical condition – but it's likely to cost you more. Alternatively, it may agree to cover you but not for any claims related to your pre-existing condition.
It's tempting not to mention your pre-existing condition but it's not worth the risk. If you don't tell the insurer, it can deny any future claim you may make.
Regardless of how active you are, most insurers add age loadings to policies – meaning you will typically pay more as you get older, however, there are ways you can reduce your costs.
As part of the 2023 Finder Awards, we collected data on almost 200 quotes for seniors. We had a look at a single 79-year-old travelling for 2 weeks in Australia (domestic) and a few other destinations like New Zealand, Bali, Europe and the US (international).
We found the average cost of a seniors domestic policy was $510 and an international policy was steeper at $786.
Your cancellation cover starts as soon as you take out a policy. This means if something goes wrong and you need to cancel or rearrange your trip, you'll be covered.
"COVID still makes up 11% of all claims paid to customers," CEO of Southern Cross Travel Insurance, Jo McCauley, says. "On average we are paying out claims for cancellation and travel disruption due to COVID to the value of $1,500."
You can do this when you apply for a policy. Travel insurers have made this process much simpler these days. In most cases, you just need to fill out a short questionnaire.
Keep a copy of your travel insurance policy as well as any medication you may take. This can make claiming simpler while you're overseas.
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