Over 80s couple by a lake

Travel Insurance for Over 80s

Over 80 and looking for affordable travel insurance cover? Compare options from Australian providers.

As an older traveller, it is even more important to compare different policies available to ensure you find a policy with the right level of cover that won't be overpriced. Conditions around age limits and medical underwriting involving pre-existing medical conditions especially will vary between providers so the best step to find the right cover is to first compare quotes and then find out exactly what you will be covered for.

If you are ready to receive a quote for travel insurance for your next trip, you can enter your details in the form below. Keep reading to learn more about how to find affordable cover with the right protection.

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Get over 80 travel insurance from the providers below

Compare conditions for travellers over 80 in the table below.

BrandConditions for travellers over 80
1CoverIf you're over 80 years old you'll need to submit a Medical Declaration Form.
American ExpressCover is available for those under 89 years of age who have the comprehensive single trip policy.
AIGSenior travellers 85 years and over need to obtain a Mature Age Assessment application from AIG.
Budget DirectSeniors travel insurance is available if you're 100 years of age or under when you apply.
CitibankSeniors travel insurance available if you're between 70-89 years of age.
Columbus DirectYou must be no more than 84 years old at the date of purchase to take out travel insurance.
Cover-MoreSeniors travel insurance available for people up to 84 years of age.
DU InsureTravel insurance is only available under Plans A and B for over 80 with Medical Declaration Form.
EasyTravellers over 70 years of age will need to complete a Travellers Medical Appraisal Form.
Fast CoverTravellers 90 years of age and over are subject to various conditions depending on the policy.
InsureandGoThis travel insurance covers travellers who are 100 years of age or under at the date of application.
Southern CrossTravellers who apply cannot be over 101 years of age.
Travel Insurance DirectTravel insurance is offered for people up to the age of 81.
VirginThe policy does not state an age limit for Plan A (Comprehensive) and Plan B (Australia Only).
WorldCareWorldcare offers cover for travellers up to 85 years of age.
youGoYouGO offers cover for travellers until the age of 84.

While there are myriad travel insurance policies available on the market, travellers aged over 80 can often find it difficult to find insurance cover. Many insurers only provide cover for people up to a certain age limit and will refuse cover to those aged over 80, but it is still possible to find travel insurance cover if your 80th birthday is now a memory.

Travel insurance for over 80s is designed to offer essential medical cover, as well as offer flexible options for those with pre-existing medical conditions. In addition, there is affordable cover available for those on a wide range of budgets.

Types of Travel Insurance for Over 80s

Single Trip

This is the most common type of travel insurance for Australian travellers. The most important feature is for overseas medical and dental expenses. This includes emergency medical costs, ambulance transportation, hospital costs and emergency dental expenses. Some single trip policies are available that offer just medical cover, though it’s also possible to take out cover against a comprehensive range of risks. A comprehensive policy includes cover for:

  • loss of deposits
  • trip cancellation
  • loss or damage to luggage and personal belongings
  • loss and damage to travel documents
  • luggage delay
  • flight delay
  • theft of cash
  • rental vehicle excess
  • hospital cash allowance
  • personal liability
  • accidental death benefit.

Annual Trip

This policy covers against all the risks mentioned in the single trip policy, though this is an annual policy that offers cover for multiple trips. If you’re a frequent traveller who takes more than one trip every year, this can be a more cost-effective cover option.

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Pre-existing Conditions and Travel Insurance for Over 80s

If you’re over the age of 80 and applying for travel insurance cover, there’s a fair chance that you might have one or more pre-existing medical conditions - making it more difficult to obtain affordable travel insurance. A pre-existing medical condition is:

  • an ongoing medical condition of which you are aware
  • a medical condition that is currently being (or has been) investigated or treated by a medical professional
  • any condition for which you take prescribed medication or have had surgery
  • any condition for which you see a medical specialist.

The treatment of pre-existing medical conditions can differ greatly between insurance providers. Some insurers exclude coverage for any pre-existing medical conditions for people aged over 80 years. Others attach a higher excess to policies. While some insurers allow you to take out cover for certain pre-existing conditions — though further medical testing may be required — or the cover may only be offered up to a lower limit.

Speak to your insurance provider to find out their approach to pre-existing conditions, plus make sure to disclose all relevant information about your medical history to your insurer when you apply for cover. Failing to do so could result in your cover being void when it comes time to make a claim.

Find out more about travel insurance for pensioners

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Issues that Over 80s Face When Getting Travel Insurance

Sadly, some seniors do face certain issues when looking for travel insurance. One of the most common problems is age limits of policies. With some insurers refusing to offer cover to anyone over 65 or 70 years of age, this obviously makes it harder for people over 80 to find a suitable policy. However, remember that there are insurers out there who are willing and able to cater to your needs.

  • Pre-existing conditions cover. Your age can also have an effect on the pre-existing medical conditions an insurer will be willing to cover you for.
  • Joint Cover. The age limits imposed by insurers can complicate matters for couples looking for cover. While in the past you may have been able to take out joint cover, this may no longer be possible if one spouse is above the insurer’s specified age limit. As a result, some find themselves having to spend significantly more to take out two separate policies.
  • Price of policies. Insurance premiums are calculated based on the risk you pose to an insurer, but many senior citizens have reported being charged exorbitant amounts.
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How to Compare Travel Insurance for Over 80s

  • Assessing your holiday plans carefully. Think about where are you going, how long are you going for and what sort of activities and experiences do you plan on participating in. Once you’ve thought about this you can then start looking for a policy that matches your needs.
  • Compare a number of policies. Shopping around is important when looking for travel insurance. Rather than simply taking out cover with the first insurer who meets your basic requirements, it pays to compare a number of policies to see exactly what is on offer. There are plenty of online product review sites to browse, plus you can seek out personal advice and recommendations from family and friends.
  • Read the PDS in detail. Once you’ve narrowed your choice down to a few policies, read each product disclosure statement closely to compare the exact level of cover offered. Familiarise yourself with the benefits, features, limits and exclusions offered by each policy, including any age limits that may apply and the treatment of pre-existing medical conditions.
  • Get quotes from more than one insurer. This is quick and easy to do online and will help you get a good idea of the costs involved and the true value offered by each competing policy.
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Tips for Travel Insurance holders over 80

  • Disclose all pre-existing conditions. Speak to the insurers medical examiner and disclose all existing or known conditions. Although this may raise your premium, the cost of a potential hospital stay in the US for instance, would largely out weigh this small expense. Without full disclosure you may not be covered if it is later discovered that you knew of a condition before travelling.
  • Get written evidence. Make sure any cover that is interpreted on the phone or in person by a travel agent or sales person is in written word from the PDS of the insurance policy. This will help you avoid a situation where your claim is denied even though your travel agent said you would be.
  • Read the PDS in detail.  Be aware of age limits, limitations of coverage and wording choices or you may feel ripped off when making a claim. For instance you may claim for a trip cancellation only to discover you will only be covered up to $2,500 because of your age, meanwhile your cancellation costs amount to $4,000.

Jason's Claim Denial

Jason had planned his trip to America, with flights and a premium level of travel insurance from a reputable travel insurer. He had been told that despite being 81 years of age, he would be covered for trip cancellations. A few days before his trip, Jason visited to the dermatologist and underwent a regular skin checkup before heading on his 13 hour flight to the states.

Shortly after his arrival, he received a call from the dermatologist informing Jason of a developing Melanoma in the back. As recommended by the travel agent, Jason contacted the travel insurer immediately but to his dismay, any chance of treatment in the US was denied. The phone operator explained that because Jason had not disclosed his history of regular skin check-up's, and because the Melanoma was considered a pre-existing condition that the claim would be void.

Jason's case emphases the value of reading the fine print carefully and disclosing all medical information when you move forward with a travel insurance policy.

Over 80s Travel Insurance FAQs

Should I buy my travel insurance through my travel agent?

While it is convenient to buy insurance through a travel agent, you must consider excess charges. Travel agents may charge a sizable commission on top of the price of the policy, so this can end up costing you a whole lot more money. Buying a policy direct from an insurer online can save you a great deal of money.

I’m over 90 years of age. Can I still find cover?

Yes. While it may be more of an effort to find an insurer who will offer the cover you need, there are insurers out there who offer insurance for people of your age. However, you may want to consider enlisting the help of an insurance broker to help you find suitable cover.

Can I take out medical-only cover?

Travel insurance is an essential consideration for anyone planning an overseas trip, regardless of whether you’re 18 years old or 80. It’s entirely possible to find an adequate level of cover if you’re aged over 80, so make sure to shop around for a policy that suits your needs.

Compare Travel Insurance Quotes for Over 80s

Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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10 Responses to Travel Insurance for Over 80s

  1. Default Gravatar
    Edward | October 10, 2016

    I am 81 and my wife is 75. My wife has a pacemaker but no medication needed. I am in good health. We plan a trip to New Zealand in May 2017 from 3rd May until 21st May. What would be the cost of travel insurance?

    • Staff
      Maurice | October 10, 2016

      Hi Edward,

      You’ve come to finder.com.au and we are a comparison service, not an insurer. If you would like to compare quotes for travel insurance you can fill out your details into the form at the top of the page. Once you hit “get quote” you will be taken to a results page where you can compare a price estimate and policy features.

      Note: If you have any pre-existing medical conditions you will need to inform your insurer. Depending on the insurer this may increase the cost of your policy.

      I hope this helps,


  2. Default Gravatar
    ken | June 10, 2015

    Can we get cover for cancellation for our cruise/trip in the event of a non-travelling parent – (90 yrs old with no serious pre-existing medical condition). Full payment of a substantial amount is required 60 days prior, therefore if they became seriously ill or died before we departed or during our 23 day trip to Can. /Alaska most policies would not pay a claim.

    • Staff
      Richard | June 10, 2015

      Hi Ken,

      Thanks for your question. There may be providers willing to offer you cover but generally cancellation cover of this type is for relatives under the age of 85. Unfortunately, many insurers don’t have this information readily available, so you’ll need to contact the insurers you’re interested in and ask them specifically.

      I hope this was helpful,

  3. Default Gravatar
    Doreen | March 9, 2015

    I am over 80 years old with no pre existing health problems and require health cover only to travel to Europe and Morocco. I will be away for 79 days.

    • Staff
      Richard | March 9, 2015

      Hi Doreen,

      Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you would like to compare quotes from our panel of insurers, please enter your travel details into the form above.

      I hope this was helpful,

  4. Default Gravatar
    Vishara | February 20, 2015

    Hello. I want to book a flight for my uncle from Sydney to SA return, can I get a travel insurance for him? he is 86 years old.

    Thank you

    • Staff
      Richard | February 23, 2015

      Hi Vishara,

      Thanks for your question. Yes, you can find cover for your father. Please complete the travel form at the top of the page to compare policies. For more information about travel insurance for seniors, please have a look at our seniors travel insurance page. On this page you’ll find a complete list of the providers in our panel and the maximum age they cover.

      I hope this was helpful,

  5. Default Gravatar
    geoff | February 9, 2015

    I am looking for travel insurance for a 12 day ship cruise to Papua New Guinea age 86

    • Staff
      Richard | February 9, 2015

      Hi Geoff,

      Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. If you would like to receive a quote from one of the providers in our panel, please fill in the quote form above. It is worth noting that not all travel insurers cover cruise trips. Please have a look at our cruise travel insurance page for more information about these products.

      I hope this was helpful,

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