Over 80 years of age and looking for affordable travel insurance? Compare options from Australian providers.
As an older traveller, it's important to compare the different policies available to ensure you find a policy with the right level of cover that won't be overpriced. Different providers will have different policies regarding age limits and pre-existing medical conditions, so the best way to find the right cover is to compare quotes and find out exactly what the insurer will cover you 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. Or you can keep reading to learn more about how to find affordable cover with the right protection for seniors.
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Compare conditions for travellers over 80 years of age in the table below.
|Brand||Conditions for travellers over 80 years old|
|1Cover||If you're over 80 years old, you'll need to submit a Medical Declaration Form.|
|American Express||Cover is available for those under 89 years of age on the Comprehensive and Ultimate Single Trip policies.|
|AIG||Senior travellers 85 years and over need to obtain a Mature Age Assessment application from AIG.|
|Budget Direct||Comprehensive and domestic travel insurance policies are available if you're 100 years of age or under when you apply.|
|Citibank||Seniors single-trip travel insurance is available if you're between 70 and 89 years of age.|
|Columbus Direct||You must be no more than 84 years old at the date of purchase to take out travel insurance.|
|Cover-More||Seniors travel insurance is available for people up to 84 years of age.|
|DU Insure||Travel insurance is only available under Plans A Plus, A or B for up to the age of 120 with a Medical Declaration Form.|
|Easy (through QBE)||Travellers over 70 years of age will need to complete a Travellers Medical Appraisal Form.|
|Fast Cover||Travellers 90 years of age and over are subject to various conditions, depending on the policy.|
|InsureandGo||This travel insurance covers travellers who are 100 years of age or under at the date of application.|
|Southern Cross||Travellers who apply cannot be over 100 years of age.|
|Travel Insurance Direct||Travel Insurance Direct offers its The Works and Domestic plans to senior travellers up to the age of 81.|
|Virgin||Virgin does not state an age limit for Plan A (Comprehensive) and Plan B (Australia Only) policies, but it's a good idea to check before purchase.|
|Worldcare||Worldcare offers cover for travellers up to 85 years of age on its Comprehensive and Australia Only plans (A and B).|
|youGo||youGo offers cover for travellers up to the age of 99, depending on the region and duration of travel.|
While there are a number of 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 you've blown out over 80 candles on your last birthday.
Travel insurance for people over 80 offers essential medical cover as well as flexible options for those with pre-existing medical conditions. In addition, there is affordable cover available for those on a wide range of budgets.
This is the most common type of travel insurance for Australian travellers. The most important feature is cover 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 the following:
- 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
This policy covers against all the risks mentioned in the single-trip policy, but offers cover for multiple trips in a single year. If you’re a frequent traveller who takes more than one trip every year, this can be a more cost-effective cover option.
If you’re over the age of 80 and applying for travel insurance, there’s a fair chance that you might have one or more pre-existing medical conditions. This can make it more difficult to obtain affordable travel insurance. A pre-existing medical condition is one of the following:
- 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.
How insurance providers handle pre-existing medical conditions can differ greatly between insurers. Some insurers exclude coverage for any pre-existing medical condition in people over 80 years of age. Others attach a higher excess to policies. While some insurers allow you to take out cover for certain pre-existing conditions, further medical testing may be required and 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. In addition, make sure that you 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.
Sadly, some seniors do face certain issues when looking for travel insurance.
- Age limits. One of the most common problems is policy age limits. Some insurers refuse cover to anyone over 65 or 70 years of age, which obviously makes it harder for people over 80 to find a suitable policy. However, remember that there are insurers who are willing and able to cater to your needs.
- Pre-existing conditions cover. As you get older, the chances of you having a pre-existing condition increases. Most policies don't cover pre-existing conditions, so this will affect the kind of cover you can take out.
- 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.
- The price of policies. Unfortunately, many insurers seem to think that the older you are, the more of a health risk you are. Insurance premiums are calculated based on the risk you pose to an insurer, but many senior citizens have reported being charged exorbitant amounts.
- Assess your holiday plans carefully. Think about where you are going, how long you are going for and what sort of activities and experiences you plan on participating in. Once you’ve thought about this, you can 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 (PDS) 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 handling 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.
- 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.
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. Buying a policy directly 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 over 90. 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 they’re 18 or 80 years old. 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.