Travel insurance for over 70s
There are multiple travel insurance brands offering travel insurance for over 70s, including some policies with no age limit. Keep in mind that you may find a reduced level of cover and a few limitations applied.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
The best step any senior traveller can take when looking to take out cover is to compare what's available and find the option that meets their cover requirements. Let's take a look at your options for travel insurance if you're over 70.
Which insurance companies offer travel cover for people over 70?
|No age limit|
|84 years of age|
|100 years of age|
|110 years of age|
|85 years of age|
|89 years of age|
|100 years of age|
|100 years of age||Get quote|
|100 years of age|
|No age limit|
|70 years of age|
|No age limit|
|74 years of age|
|99 years of age|
|90 years of age|
|74 years of age|
|74 years of age|
When you’re over 70, it’s a fact of life that you’re more likely to have to make an insurance claim than someone in their 40s. Age and deteriorating health are two factors that can’t be avoided, so taking out travel insurance is a sensible financial decision.
Travel insurance cover for seniors contains the same sort of cover as any other type of travel plan. This includes cover for:
- Overseas emergency medical expenses. Medical repatriation back to Australia is also covered by many policies. Emergency dental cover is included, while most policies provide 24/7 emergency medical assistance, as well as overseas hospital expenses.
- Cancellation fees and lost deposits. If unforeseen circumstances, such as illness or the loss of your job, force you to cancel your trip, your travel insurance policy will see that you are reimbursed for any non-refundable deposits or cancellation fees.
- Luggage and personal effects. If your luggage is lost, stolen or damaged, your policy will cover the cost of its repair or replacement.
- Travel documents. If your important travel documents, travellers cheques or credit cards are lost or stolen, travel insurance has your back.
- Travel delay expenses. If your trip is delayed due to circumstances outside your control, your policy will cover any additional accommodation or meals expenses.
- Luggage delay. This cover benefit provides for the cost of emergency clothing and toiletries when a travel provider misplaces your luggage.
- Rental vehicle excess. If your rental vehicle is stolen, damaged or crashed, your policy provides cover for the expensive rental company excess you would otherwise have to pay.
- Personal liability. If your negligence causes a third party to suffer an injury or property damage, all travel insurance policies provide cover for your legal liability.
Cover is available for domestic and international trips, while you can choose for basic ‘essentials’ cover or a comprehensive policy. Frequent travellers can even take out a multi-trip policy to insure all their holidays over a 12-month period.
Things to consider when choosing the best* over 70s travel insurance policy
Though it’s quite easy to find travel insurance cover for over 70s, you can expect to pay more for your policy. The simple fact is that the more risk you pose to an insurer, the higher your premiums will be. Your age and health status will obviously be two big factors that affect your premiums, along with other issues like where you will be travelling and the experiences and activities you plan on participating in. An extra fee may also apply for certain medical conditions, so read the below section on pre-existing medical conditions to find out more.
One thing you need to consider is the age limit on competing policies. Some insurers offer cover up to the age of 81 or 84, while others will even keep you insured up to 110 years of age. Keep in mind also that some policies will only insure trips of a certain duration for customers over a minimum age (often 65 or 70 years).
Compare multiple insurers and obtain quotes for a number of policies. This will help you find a policy that matches up perfectly with your travel needs.
Can I get cover if I have an existing medical condition?
One thing you need to be aware of when taking out travel insurance for over 70s is the treatment of pre-existing medical conditions. A pre-existing condition is typically defined as an ongoing condition of which you are aware, of which you have symptoms, for which you are currently undergoing treatment, or for which you have had surgery within the previous 12 months.
Every insurer has a list of pre-existing medical conditions which they will and won’t insure, and an insurer’s exact list can be affected by the age of the policyholder. However, conditions which are typically covered include:
Check the product disclosure statement or consult your insurance provider to find out more about the possibility of getting cover for specific conditions.
How to make a claim
If you are involved in an event that may lead to a claim, you need to notify your insurer as soon as possible. In addition, you’ll need to report any loss, theft or damage to the police, your airline or any relevant authority while travelling. Obtain police reports or written confirmation of you doing so.
Many insurers allow you to fill in a claim form online, but this can also typically be sent in by mail or completed over the phone. You’ll need to provide details such as your name, policy number, and the details of the event that resulted in your claim.
Often your insurer will request that you provide more information. This may include police reports, receipts, valuations, medical reports or other supporting documentation. Make sure you promptly supply any information your insurer asks for — doing so is the best way to ensure the prompt processing of your claim.
Your insurance provider should keep you updated on the progress of your claim, with most claims typically processed within 10 working days.
Travel tips for those over 70
When looking for a travel insurance policy, ensure that you find one that matches up with your needs. Questions you should ask yourself before heading off include:
- What types of activities will you be participating in while away?
- How long are you planning on travelling for?
- Will you be looking for multi-trip cover or just insurance for a single adventure?
- Do you need increased cover for your personal effects?
- Does your policy provide the necessary cover for any pre-existing medical conditions you may have?
Considering all these factors will help you find the best policy for your situation.
There are also some other handy tips you can follow when planning an overseas trip, including:
- Consulting your travel agent for any travel advice
- Researching medical facilities in the areas you’ll be travelling to
- Checking that things like wheelchair access and seating needs will be catered for well in advance
- Checking to see if the countries you are travelling to have a reciprocal healthcare agreement with Australia
- Getting a complete medical check-up from your doctor and discussing any health concerns you may have
- Having a dental check-up
- Ensuring that your medications are legal overseas and that you will be able to take them through customs
- Making sure you pack enough medication for the duration of your trip
Travel is completely unpredictable and exposes you to an extensive range of potential risks. In order to guarantee that those risks don’t ruin your holiday and leave a big hole in your finances, travel insurance can offer the cover you need. Even if you’re aged well over 70, it’s still entirely possible to take out essential cover for your next trip away.
Apply for travel insurance
Although insurance for travellers over 70 will tend to cost more, it can still be a very worthwhile investment. It offers essential financial protection against typical holiday problems, including everything from overseas medical emergencies to lost luggage. With the right type and level of cover in place, you’re free to simply put your feet up and enjoy your holiday.
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