Apia Travel Insurance for Over 50s Review 2021 | finder.com.au

Apia Travel Insurance

Find travel insurance tailored to travellers over 50 with the Australian Pensioners Insurance Agency.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


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 any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    Apia Travel Insurance provides comprehensive protection against a wide range of travel risks. Apia Travel Insurance covers overseas medical expenses, including hospital costs and ambulance transportation. Unlimited cover is also provided for any cancellation charges you incur when unexpected circumstances force you to cancel your trip. Cover is provided for lost or stolen baggage and travel documents, baggage delay, personal liability and more.
    APIA travel insurance is not currently available via finder. You can visit their website at www.apia.com.au for more information or compare alternative options available below.

    Compare your travel insurance 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.

    Made a search before? Retrieve your search results

    At least one destination is required
    Both dates are required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    At least one destination is required
    Starting date is required
    Add more travellers
    Enter the age of each traveller between 0 and 99

    Enter a valid email address

    Type or Select your destination(s)

    Popular Destinations

    Can't find your destination? Just type it in the box above.

    We compare products from

    By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

    What is covered by this policy?

    Apia Travel Insurance provide comprehensive cover for over 50s. However, before choosing a travel insurance policy, it's best to ask yourself the following questions:

    • Am I covered for cancellation? In cases where circumstances beyond your control (e.g. the illness of a relative) force you to cut your trip short or cancel it altogether, Apia Travel Insurance covers the cost of any cancellation charges and non-refundable deposits for travel and accommodation.
    • Is my baggage covered? Cover is provided when your baggage is lost, stolen or damaged.
    • What happens if my baggage is delayed? If your luggage is delayed for at least 12 hours, you’ll receive an allowance to purchase emergency clothing and toiletries.
    • Are my travel documents covered? When your travel documents are lost or stolen and need to be replaced, the expense of this will be covered by your policy.
    • What about cash, travellers cheques and credit cards, are they covered? Apia offers up to $500 of protection when these are stolen or lost.
    • Am I covered for overseas medical expenses? This benefit covers the cost of your overseas medical and hospital expenses, ambulance transportation and emergency dental expenses.
    • Does the policy cover personal liability? You’ll be covered when you are liable for causing bodily injury or property damage to a third party during your trip.
    • Am I covered for accidental death? Apia Insurance pays a $10,000 (for single policies) or $20,000 (for family policies) benefit if you or anyone else named on your policy certificate dies during your journey or within 12 months of your journey as a result of injuries suffered on your trip.
    • Does Apia Travel Insurance cover emergency expenses? This covers additional travel and accommodation expenses in certain situations, such as if you have to cut your trip short and return to Australia following the death of a loved one.

    How much am I covered for?

    BenefitSingle policyFamily policy
    Cancellation chargesUnlimitedUnlimited
    Baggage $5,000$10,000
    Emergency baggage$350$700
    Travel documents$3,000$6,000
    Cash, personal travellers cheques and credit cards$500$500
    Overseas medical expensesUnlimitedUnlimited
    Personal liability$2 million$2 million
    Accidental death$10,000$20,000
    Emergency expenses$5,000$10,000
    Resumption of journey$3,000$6,000
    Missed connection$3,000$6,000

    Where can I travel to with this policy?

    Apia offers travel insurance policies to cover the regions listed below, keeping in mind that stopovers of up to 72 hours at cities outside your region are permitted.

    • Australia
    • South Pacific and Indonesia. This covers New Zealand, Fiji, Indonesia, Norfolk Island, Papua New Guinea, Lord Howe Island, New Caledonia, Vanuatu, Cook Islands, Samoa, Solomon Islands and Nauru.
    • East Asia. Thailand, Philippines, Malaysia, Vietnam, Cambodia, China, Hong Kong, Macau, Singapore, Taiwan, Laos, Korea, Burma, Borneo, Brunei and Guam.
    • Worldwide. This covers all other countries excluding the above regions and the USA, Canada and Japan.
    Back to top

    What is not covered by this policy?

    There are a range of circumstances where your claim will not be paid, including:

    • if you cancel your journey due to your financial circumstances
    • if your journey is cancelled as the result of a travel agent’s default
    • if it exceeds $3,000 for a camera or video recorder
    • if it exceeds $700 for any other article
    • if it is for loss or damage resulting from detention or confiscation by customs officials
    • if it is for the cost of fares or accommodation resulting from the loss or theft of your travel documents
    • if you do not report theft within 24 hours to the police or a relevant authority
    • if it is for expenses that will be covered by Medicare
    • if your personal liability claim arises out of your ownership of land or buildings
    • if your personal liability claim arises from you being under the influence of alcohol or drugs
    • if it is related to war, terrorism or the use of biological or chemical weapons
    • if it results from any unlawful act committed by you
    • if it is for consequential loss for any kind
    • if it relates to air travel of any kind other than as a paying passenger on a commercial airline
    • if it is for a pre-existing condition the insurer has not agreed to cover
    • if it is the result of your suicide or attempted suicide
    • if you undertake paid work during your journey, unless it is for your usual employer and was arranged before you left Australia
    • if it results from your participating in hunting, racing, hang gliding and a range of other adventure activities.
    Back to top

    How much does the policy cost?

    There are a number of factors that affect your Apia Travel Insurance premiums. There are a number of factors that can influence the cost of your premiums including:

    • the length of time for which you will be travelling
    • the countries to which you are travelling
    • whether you have pre-existing medical conditions that need to be covered
    • whether you need to increase your level of baggage cover
    • the amount of our excess.

    When you make a claim on your Apia Travel Insurance policy, you may be required to pay one of the following types of excesses:

    • Standard excess. This is the initial amount you may be required to contribute towards your claim.
    • Optional excess. Some customers opt to have a higher excess in order to reduce their premium. In such cases, the optional excess replaces the standard excess.
    Back to top

    Can I get cover with a pre-existing condition?

    If you are considering Apia Travel Insurance, it is important to note that you may not be automatically covered for a pre-existing medical conditions. If you wish to take out a policy with Apia Travel Insurance and you have a pre-existing condition, you need to fill out and submit a pre-existing medical form request. It is also compulsory to fill out this form if you are over 75 years of age.

    You will need to phone Apia Travel Insurance and obtain a quote for cover, before you can then submit the form to Apia. You need to get your medical practitioner to complete the pre-existing medical condition form and return it along with your quote number to Apia within 10 days.

    Back to top

    How do I make a claim?

    If you need to make a claim, you should contact Apia Travel Insurance as soon as possible by phone. Staff are available 24/7 to provide assistance, so make sure you have your policy documents handy.

    Once Apia has been notified, it’s quick and easy to lodge your claim online. To make sure your claim runs smoothly remember:

    • to provide your policy details and information about the nature of your claim
    • to act quickly and take any reasonable steps to minimise your loss
    • if you’re the victim of malicious damage, theft or burglary, report it to the police and obtain a written record of this
    • don’t admit any liability and remember to keep any damaged goods so that they can be assessed by your insurer.
    Back to top

    Tell me a little about Apia

    Apia Travel Insurance provides affordable and flexible cover for Australians over the age of 50 for both domestic and overseas travel.

    Apia has been looking after the insurance needs of Australians aged 50 and older for more than 25 years. With more than 700,000 customers, a nationwide network of branches and some 450 staff, Apia is committed to offering the best insurance and customer service to Australian seniors. In addition to Apia Travel Insurance, it offers home and contents insurance, landlord insurance, car insurance, health insurance and much more.

    More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    37 Responses

      Default Gravatar
      PamelaMarch 27, 2018

      In January 2019 I am flying from Brisbane to Perth. Then boarding a ship for 5days sailing from Fremantle to Albany, Esperance then back to Fremantle. Then taking the Indian Pacific train from Perth to Sydney then flight to Brisbane. What type of insurance can you offer for a senior?

        Default Gravatar
        LiezlMarch 27, 2018

        Hi Pamela,

        Thanks for reaching out to us at Finder.

        Use may use our travel insurance search tool to generate quotes for cruise cover from various brands. Simply enter your travel details on the form – destination, travel period and age then get quote.

        Your cruise policy works much the same as any other travel insurance policy. You are covered for the regions listed on your policy for the dates that you have selected. Please note that most insurers recommended that you select Pacific or South Pacific as your region in order to be covered for emergency medical expenses.

        Please feel free to message us anytime if you have further questions on this.

        Best regards,

      Default Gravatar
      AlwinNovember 14, 2017

      AGES 84 M 78 F

        Default Gravatar
        ArnoldNovember 14, 2017

        Hi Alwin,

        Thanks for your inquiry.

        If you are looking to apply for APIA travel insurance, you may visit their official website to request a quotation or speak to their representative for further assistance.

        Alternatively, you may refer to our list of travel insurance for the USA from Australia. On the page is a comparison table you can use to see which insurer suits you. If you would like to compare policies from different travel insurance brands in our panel, please enter your travel details like destination, age, and dates of the trip into the form. Once you have done you can click on ‘Go to site’ button to head over to the insurer’s website.

        Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

        Hope this information helps


      Default Gravatar
      AngelaSeptember 28, 2017

      Hi my husband had an angiogram about 18 months ago which was good showing no problems with his heart. He takes medication for high blood pressure and cholesterol which are controlled well. Would he be covered for any potential cardiac problems under your policy when we travel to Europe next month. He is 64years old

        Default Gravatar
        LiezlSeptember 29, 2017

        Hi Angela,

        Thanks for your question.

        Apia travel insurance will not automatically cover your husband for his pre-existing medical condition. Moreover, they’ll require you to fill out and submit a pre-existing medical form request and meet a medical practitioner for assessment. You may refer to the section on getting a cover with a pre-existing condition above for the procedure and conditions.

        Generally, travel insurance brands consider cardiac or heart problems to be strong risk factors for travel and exclude them from their automatic cover. However, there are still some insurers that will cover people with pre-existing heart conditions although these brands will require medical assessment as well. You may check our list of brands covering heart problem and their terms and conditions. You might also find our guide on travel insurance for pre-existing medical conditions helpful.

        I hope this has helped.


      Avatarfinder Customer Care
      DeeSeptember 7, 2017Staff

      Hi Trent,

      Thanks for your question,

      If you are the owner of the land or building you are occupying during your travel date, and certain circumstances arise where your property has caused bodily injury or property damage to a third party during your trip, this is not covered by the policy.

      I highly recommend you check your personal liability insurance options to ensure you are getting the right policy for you.

      I hope this helps.


      Default Gravatar
      EricaAugust 11, 2017

      I will be taking a 14-day cruise around New Zealand in January 2018. I am 73 years of age. I am an Apia customer regarding other insurances – how much would the premium be for me and should I take it now?

        Default Gravatar
        LiezlAugust 11, 2017

        Hi Erica,

        Thanks for your question.

        If you wish to check your options and how much it would cost you, I highly recommend you check our cruise travel insurance guide.

        There’s a list of cruise travel insurance brands on that page conveniently compared for you. Aside from that, you’ll find a table on the same page, which you can fill out to instantly get a quote.

        If you wish to get a quote from Apia, you may also get in touch with them directly.

        I hope this helps.


      Default Gravatar
      FlorianoMay 1, 2017

      How much is a basic cover to Italy from September 2nd to September 28, for my husband and I. 24 years ago he suffered with angina and had quadruple bypass. His doctor has clear him of any problem. Now his 78 years old and I will be 76 in June. I have no health problems.

        Avatarfinder Customer Care
        ZubairMay 1, 2017Staff

        Hi Floriano,

        Thank you for your question. You have contacted finder.com.au, a comparison and information service and not actually Apia Travel Insurance.

        Pre-existing conditions are assessed on a case-by-case basis. You may find our travel insurance for heart article helpful. Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to the travel insurance home page.

        All the best,

      Default Gravatar
      JackieApril 5, 2017

      How much is basic cover to go to England from July 7 th to Sep 2 nd 2017. I am 77

        Avatarfinder Customer Care
        ZubairApril 7, 2017Staff

        Hi Jackie,

        Thank you for your question.

        You have contacted finder.com.au, a comparison and information service and not actually Apia Travel Insurance.

        Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare policies from the travel insurance brands in our panel, please enter your travel details into the quote comparison tool.

        All the best,

      Default Gravatar
      BernadetteFebruary 28, 2017

      Does this cover rental vehicle excess

        Avatarfinder Customer Care
        ZubairMarch 1, 2017Staff

        Hi Bernadette,

        Thank you for your question.

        You have contacted finder.com.au and not actually APIA Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

        According to APIA’s PDS there is no mention of any cover for rental excess insurance so you will need to contact APIA directly to check if they provide cover for rental vehicle excess

        If you would like to compare policies with rental vehicle excess option from the travel insurance brands in our panel, please enter your travel details into the comparison form.


      Default Gravatar
      WilliamFebruary 21, 2017

      I am travelling to the United Kingdom, do these policies cover rental cars

        Avatarfinder Customer Care
        ZubairFebruary 22, 2017Staff

        Hi William,

        Thank you for your question.

        You have contacted finder.com.au and not actually Apia Travel Insurance, finder.com.au is a comparison and information service and doesn’t represent any insurance brand listed on our website.

        Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare travel insurance brands in our panel, please head to our page where you will find travel insurance with car hire excess cover.

        Open that page and you should find a table of insurance brands. Compare them based on various details select the “Get Quote” button to know more about their rates and other features.


      Default Gravatar
      MargaretJanuary 7, 2017

      Would APIA insurance cover our (my husband and I) return to Australia and reimbursement for tours/travel lost if something happens to my 89 year old mother or 82 year old brother in law while we are overseas?

        Avatarfinder Customer Care
        RichardJanuary 9, 2017Staff

        Hi Margaret,

        Thanks for your comment.

        Please note that we are a comparison service and we don’t represent Apia travel insurance. If you wish to confirm what Apia covers, please get in touch with them directly through their website or by calling their phone number.

        If you would like, you can also compare the travel insurance brands featured on our website.

        I hope this was helpful,

    Go to site