What you need to do when choosing a policy
Disclose all pre-existing conditions
Speak to the insurer's medical examiner and disclose all existing or known conditions. Although this may raise your premium, the cost of a potential hospital stay would largely outweigh 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 you are offered on the phone or in person by a travel agent or salesperson is in the insurance policy's PDS. This will help you avoid a situation where your claim is denied even though your travel agent said you would be covered.
Read the PDS in detail.
Be aware of age limits, limitations of coverage and wording in the PDS or you may run into trouble when making a claim. For instance, you may make a claim for a trip cancellation only to discover you will only be covered for up to $2,500 because of your age, while your cancellation costs amount to $4,000.
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 
Is there a travel insurance for people with cancer
Hi Monica,
Thanks for your question.
Yes, some insurance companies provide cover for cancer patients. You may compare these insurance brands on our page about travel insurance for cancer patients.
There’s a table on that page to help you compare your options. Once you have found the right one for you, you may then get in touch with your chosen provider to learn more about their exclusions or specific restrictions for customers who have pre-existing medical conditions.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Cheers,
Anndy
Iam going on a cruise for 13 days to vanuatu.as iam aged 88 and have a pacemaker and require travel insurance. how do i get a policy?
Hi Stephen,
Thanks for getting in touch.
You may find our travel insurance and pacemakers article helpful.
All the best,
Richard
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?
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,
Maurice
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.
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,
Richard
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.
Hi Doreen,
Thanks for your question.
You may compare quotes from our travel insurance for over 80s by simply entering your travel details. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard