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.

    Old senior citizen couple walking

    Which insurance companies offer travel cover for people over 70?

    BrandMax ageApply
    1-cover-new1

    1cover

    No age limit
    AMEX Travel Insurance

    American Express

    84 years of age
    Budget direct logo100 years of age
    racv logo110 years of age
    Columbus Direct85 years of age
    Fast Cover

    fastcover

    89 years of age
    Holiday Rescue Travel Insurance

    Holiday Rescue

    100 years of age
    InsureandGo

    Insureandgo

    100 years of ageGet quote
    Tick Travel Insurance

    Tick Travel

    100 years of age
    travel insurance saver logo

    Travel Insurance Saver

    No age limit
    Travel Insuranz

    Travel Insuranz

    70 years of age
    Virgin Money

    Virgin Money

    No age limit
    worldcare travel insurance logo

    Worldcare

    74 years of age

    Webjet

    99 years of age

    Insure4less

    90 years of age
    Online Travel Insurance

    Online Travel Insurance

    74 years of age

    Zoom

    74 years of age

    Common benefits of travel insurance for over 70s

    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:

    • Asthma
    • Diabetes
    • High blood pressure
    • Incontinence
    • Osteoporosis
    • Hernia
    • Epilepsy
    • Hayfever

    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.

    Enter your trip details in the form below to compare quotes

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    4 Responses

      Default Gravatar
      MaureenJune 13, 2017

      My husband and I would like to travel to Norfolk Island from NSW. My husband has early Alzheimers dementia which is managed and controlled with medication, also I have mild emphysema which only requires Ventolin puffer occasionally. Our ages are 73 and 70 respectively. Are we able to obtain travel insurance?

        Default Gravatar
        JonathanJune 15, 2017

        Hi Maureen!

        Thanks for the comment.

        It’s nice to hear about your travel plans. Yes, there could still be insurers who are willing to help you out. Please check the following pages:

        The second link should give you a list and guide to finding the right insurer who may consider your case of emphysema.

        While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

        Please take note that further questions about the application and the policy must be directed to your insurer of choice.

        Hope this helps.

        Cheers,
        Jonathan

      Default Gravatar
      BaffledFebruary 14, 2016

      We are a NZ couple living permanently in Australia, travelling back to NZ for 10 days. We do not require medical insurance as we are covered as NZ citizens. We do not need rental car insurance either.
      What companies will provide us with a policy that does not include these, or lets us choose what we need cover for.
      All we are really after is cancellation and lost baggage insurance.

        Avatarfinder Customer Care
        RichardFebruary 15, 2016Staff

        Hi Baffled,

        Thanks for your question.

        Yes, there are policies available that offer cover without medical. You may fill out a form on our guide on non-medical travel insurance plans to compare policies from travel insurers.

        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

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