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With that in mind, this guide looks at some of the problems you may encounter when trying to find cover if you're over 75. It also discusses ways to reduce the cost of your policy and why cruise travel insurance is also important to have.
We've done the research and found the following brands that will cover you if you're over 75 years old.
Brand | Conditions | Apply |
---|---|---|
![]() | 1Cover provide cover regardless of age. However, anyone 80 years or over, cover is only available up to a maximum of 6 months per one journey. | |
![]() | Amex Travel insurance has various age limits:
| |
![]() | Budget Direct Travel Insurance is available to permanent residents of Australia, up to 100 years of age. | |
![]() | To buy a Columbus Direct policy you must be under 85 years of age at the date of issue of the insurance. | |
![]() | Available to travellers up to 89 years of age. | |
![]() | If you are aged 100 or under you may purchase your travel insurance from InsureandGo. | |
![]() | Tick Travel Insurance only provide online quotes for travellers under the age of 100. | |
![]() | Travel Insurance Saver is available to residents of Australia regardless of age. However, anyone 70 years or over is required to submit a medical declaration form. Note: Only available on the international comprehensive policy. | |
![]() | WorldCare Travel Insurance are unable to cover travellers who are aged 86 years and over at the date the policy is issued. | |
![]() | YouGo offers travel insurance for people up to 84 years of age. |
A pre-existing medical condition is defined by insurers as a medical condition that:
Most insurers provide automatic cover for a range of minor pre-existing conditions as well as cover for more serious conditions subject to further assessment such as a medical examination. The product disclosure statement (PDS) will list the conditions that are not covered under any circumstances, such as serious illnesses, heart disease and cancer.
It’s important that you declare any pre-existing medical conditions to your insurer at the time of applying for cover. If you don’t, any medical treatment you receive overseas in relation to that condition won’t be covered.
If you’re over 75, some insurers may also require you to fill out a medical questionnaire, and it’s important to declare any pre-existing conditions here as well. The golden rule is if it’s not mentioned, it’s not covered.
If you have a pre-existing condition, you may be able to get travel insurance by following these steps:
While age and pre-existing medical conditions are the main determinants in how much over 75s pay for travel insurance, there are other factors that influence price as well:
It’s likely that you will pay more for travel insurance because you are over 75, so it’s important to save money on your policy wherever you can, without compromising your cover. Here are some ways you can achieve this:
There are a variety of travel insurance options available to over 75s. First, decide between three levels of cover:
As well as three levels of cover, over 75s can choose from two types of travel insurance policies:
You can also choose between domestic and overseas cover, depending on your destination. Not everyone feels the need to take out domestic travel insurance when travelling within Australia, partially because health issues are usually covered by Medicare. But your trip could still be cancelled and your bags lost or stolen, so some people consider it worth the price, which is usually a lot less than overseas travel insurance.
Back to topWhen you're over 75, cruises can be an ideal holiday getaway but make sure you have travel insurance that fully covers you. As soon as you leave Australian waters, you are no longer covered by Medicare.
That means if you get sick and must be treated in the ship’s sick bay, you will be charged full private health care rates, which can be up to $5,000 a day. If you have to be airlifted to the nearest hospital on land, you could be up for thousands or even tens of thousands of dollars.
If you’re travelling in Australian waters between two Australian ports and the ship has a Medicare-eligible doctor on board, you will be covered by Medicare. But make sure you check with the cruise operator, as many ships employ foreign doctors.
Many international travel insurance policies include cruise insurance automatically, but you should consider purchasing standalone cover if you want to take advantage of the unique benefits offered by a cruise-specific insurance policy.
As well as overseas medical cover, trip cancellations and lost or stolen baggage, the benefits of cruise-specific insurance can include:
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