Australian Seniors Travel Insurance Review |

Australian Seniors travel insurance

Australian Seniors offers comprehensive travel insurance that covers 31 pre-existing medical conditions.

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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
    Australian Seniors specialises in travel insurance for Aussies over 50. They offer competitive rates, quality services and comprehensive coverage for seniors up to 89-years old. This insurance company offers both single trip coverage and annual coverage allowing you to choose the option that is best for you and your family.
    Australian Seniors is currently updating its travel insurance policies and not available via finder during this time. You can visit their website at and view Australian Seniors latest PDS 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.

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    Australian Seniors policy options

    ASTI offer three levels of cover to suit all travellers.


    International Top Cover


    International Essential Cover


    Domestic Cover

    Review of ASTI benefits

    We've compared some of Australian Senior's benefits so you can see which cover is most suitable for you.

    BenefitInternational Top CoverInternational Essential CoverDomestic Cover
    Overseas emergency medical and hospital expensesUnlimitedUnlimited
    Cancellation or amendment and expensesChoose coverChoose cover$10,000
    Missed connection & special events$5,000
    Rental vehicle excess$8,000
    Luggage and personal effects$15,000$5,000$5,000
    Theft of cash$250
    Personal liability$3,000,000$1,500,000$1,000,000
    Accidental death$25,000
    Funeral or repatriation expenses$20,000$20,000$5,000
    Permanent disability$25,000

    Does ASTI charge an excess amount?

    An excess is the amount you agree to pay if you need to make a claim on your travel insurance policy. Australian Seniors have the option of choosing a $0, $100 or $200 excess.

    How does Australian Seniors handle pre-existing conditions?

    ASTI handles pre-existing conditions in three ways;

    1. Automatically covered conditions
    2. Assessable conditions
    3. Conditions not covered
    • What exclusions apply to Australian Seniors?

      As with all insurers, ASTI have some general exclusions to their policies, these include;

    • If you make a claim that wasn't unexpected
    • If you fail to take reasonable care and don't act responsibly
    • If you don't provide all the necessary information to process your claim
    • If you break the laws of the country you're visiting
    • If you fail to get the right visas or entry requirements to a country
    • If a natural disaster occurs before you buy the policy
    • Any acts of war
    • Claims from undeclared pre-existing conditions
    • Childbirth at any stage of pregnancy
    • Elective surgeries
    • Being under the influence of drugs or alcohol
    • If you take part in activities where you are professionally competing
    • If you participate in activities where you haven't purchase extra cover; e.g, snow cover, adventure cover, etc.

    Refer to the product disclosure statement (PDS) for a full list of ASTI's general exclusions.

    How do I contact Australian Seniors?

    Claims and contact details

    Emergency assistance (24/7): +61 2 8883 7006

    Make a claim online: Start the claim process at;

    Make a claim via post: Download and complete this claim form;

    Post to: Australian Seniors Travel Locked Bag 2010 St Leonards NSW 1590

    General enquiries: 1300 051 095

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    26 Responses

      Default Gravatar
      ElizaberhAugust 27, 2018

      In the event of volcano activity in Bali am I covered for flight delay & accommodation expenses?

        Avatarfinder Customer Care
        JhezAugust 28, 2018Staff

        Hello Elizabeth,

        Thank you for your comment.

        Unfortunately, you won’t be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, and the Mt Agung eruption is a known event. But you can still get travel insurance for Bali and be covered for things like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities, and more, depending on the policy you choose as long as it’s not volcano-related issues.

        You can check updates on Bali Ash Clouds and travel insurers that may cover you for your trip to Bali. Please enter your trip details on the quote engine, click the “Get my quote” button, and compare different quotes from different travel insurance.

        Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s 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.

        Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.


      Default Gravatar
      CatherineNovember 25, 2017

      I am 64 and travelling from Sydney to Japan 1/04/2018 until 26/04/2018.
      I am fit and healthy with no pre existing conditions.
      May I have a quote please.
      Thank you.

        Default Gravatar
        ArnoldNovember 26, 2017

        Hi Catherine,

        Thanks for your inquiry.

        You may search and compare from our list of Travel insurance for Japan. The page provides steps to choosing the right travel insurance for Japan, a side by side comparison between brands, and tips in getting the best travel insurance.

        If you would like to compare policies from the travel insurance brands in our panel, please enter your travel details like destination, age, and dates of a trip into the travel insurance form. Once you have done you can click on the ‘Go to site’ button to head over to the insurer 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.

        Hope this information helps


      Default Gravatar
      stephenFebruary 22, 2017

      i am 88 years of age and had a pacemaker fitted 3 years ago my only medical condition. Ialso take some can i get travel insurance.

        Avatarfinder Customer Care
        ZubairFebruary 23, 2017Staff

        Hi Stephen,

        Thank you for your question.

        Pre-existing conditions are assessed on a case-by-case basis. You may find our travel insurance for pacemaker article helpful. Australian Seniors 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.


      Default Gravatar
      EdwardJanuary 26, 2017

      I have tpe 2 diabetes controlled by insulin. No hospital admissions for this. I had a heart attack in Feb 2005 and had stents inserted. I have annual check ups with specialist and am going well. I work full time and am active and not retired. Will I be able to get travel insurance for these pre existing conditions?

        Avatarfinder Customer Care
        RichardJanuary 30, 2017Staff

        Hi Edward,

        Thanks for getting in touch.

        Pre-existing conditions are assessed on a case-by-case basis. To find out more, please head over to our list of travel insurance for pre-existing conditions. You’ll also know more about how to find the right insurance for you through that page.


      Default Gravatar
      MausFebruary 3, 2016

      So if I am a senior and could have a lot of the exclusions you have named as these are mostly age related your policy would be totally useless to me.

      Default Gravatar
      TerryMarch 19, 2015

      Do you cover rock climbing and/or mountaineering in Nepal and Tibet for over 75’s? Have hypertension under medication (BP 121/69) and hypothyroidism, also under medication. Experienced trekker to 6000m.

        Avatarfinder Customer Care
        RichardMarch 19, 2015Staff

        Hi Terry,

        Thanks for your question. Unfortunately, is a comparison service and not an insurer. ASTI do not pay for claims arising directly or indirectly from mountaineering or rock climbing using ropes or guides. You may wish to contact ASTI directly by calling 13 76 76 if you have any further questions about cover.

        I hope this was helpful,

      Default Gravatar
      RonaldFebruary 26, 2015

      I have an auto-immune condition, Myasthenia Gravis, controlled by the drug Mestinon. Would this cause problems in obtaining travel insurance?

        Avatarfinder Customer Care
        RichardFebruary 26, 2015Staff

        Hi Ronald,

        Thanks for your question. Unfortunately, is a comparison service and not an insurer. ASTI do not automatically cover Myasthenia Gravis. You may wish to contact ASTI directly and speak with them about your options by calling 13 76 76.

        I hope this was helpful,

      Default Gravatar
      AlanSeptember 4, 2014

      Quote please. 13 day cruise departing Sydney to South Pacific. In good health, aged 90, repeat 90, only pre-existing is a dormant gallstone which need not be covered.

        Avatarfinder Customer Care
        ShirleySeptember 5, 2014Staff

        Hi Alan,

        Thanks for your question.

        To get in touch with an insurance broker regarding travel insurance, please enter your travel details on our travel insurance policy search form. If you would like a quote from Australian Seniors Travel Insurance only, please get in touch with them directly.


      Default Gravatar
      MahaJune 21, 2014

      I have hypertension ( for over 20 years and take medication and no concerns) but also been diagnosed type 2 diabetes which is controlled very well on medication. Can I be covered for an overseas trip to Europe?

        Avatarfinder Customer Care
        ShirleyJune 23, 2014Staff

        Hi Maha,

        Thanks for your question.

        According to the Australian Seniors Travel Insurance website, diabetes is covered under this policy “if You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a Blood Sugar Level reading between four (4) and ten (10)”.

        High blood pressure is also covered “if You have no known heart conditions and Your current blood pressure reading is below 165/95.”


      Default Gravatar
      MargaretMay 6, 2014

      I am 69 years old and would like to ask a question, I am traveling next year and want to know, that if one of my elderly parents happen to pass away, would I be covered to break my trip & to fly bank to Australia for their funeral. Their ages are 87 & 88.

        Default Gravatar
        nornieJuly 16, 2014

        We are thinking of a three week holiday to France. I have mesothelioma have had chemo but have been in a dormant condition for 6 months and haven’t had any treatment in that time. I am 75 and my husband is 78. Would we get any cover?

        Avatarfinder Customer Care
        ShirleyJuly 17, 2014Staff

        Hi Nornie,

        Thanks for your question.

        Australian Senior Travel Insurance covers specific pre-existing conditions for those aged 75 and under. I’ve emailed you a page that lists these conditions.

        If you are over age seventy-five, you will not be covered for any of the medical conditions listed on that page.

        You may want to consider alternative travel insurance arrangements.


        Avatarfinder Customer Care
        WilliamMay 6, 2014Staff

        Hi Margaret,
        Thank you for your enquiry. Australian Seniors Travel Insurance provides what is known as “Resumption of Journey Cover” whereby they will pay your reasonable additional transport expenses actually and necessarily incurred (less any refund received for the unused prepaid travel arrangements) to resume Your original Journey if you return home due to the unforeseen death of a family member.

        Thanks again for your enquiry and all the best.


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