Find Cover Tailored to Seniors with Cover for Pre-Existing Medical Conditions with ASTI
If you are a senior planning an overseas or domestic trip, it is essential you find adequate travel cover. Finding travel insurance for seniors can be difficult at times. Due to their advanced age, seniors are more prone to injuries and illness, which is why ASTI provide this specialist service. It is designed specifically to deal with seniors and the issues that matter to seniors.
Australian Seniors Travel Insurance is a popular travel insurance brand for seniors. 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.
Who Underwrites Australian Seniors Travel Insurance?
- Who Is Australian Seniors Travel Insurance ACE?
- Australian National Seniors Travel Insurance Policies
- Australian Senior Travel Insurance Policy Benefits
- Australian Senior Travel Insurance Policy Exclusions
- Cooling Off Period and Cancelling Your Australian Seniors Travel Insurance
- Australian Senior Travel Insurance Claims
Who Is Australian Seniors Travel Insurance ACE?
Australian Seniors Travel Insurance ACE is a leading insurance company that provides high-quality insurance policies for seniors living in Australia. It provides seniors with a range of insurance policy options, such as home, car, final expenses, accidental, and travel insurance. They have been serving seniors throughout Australia since 1998. They provide exceptional travel insurance policies for residents up to the age of 89-years old and they do not require a medical examination no matter what the age of the policyholder. They offer policies for both domestic and international trips, as well as, annual travel insurance policies that allow you to travel multiple times throughout the year or single-trip policies for trips up to three months in length.
The policyholder’s dependent children and grandchildren are all covered under the travel insurance policies offered by Australian Senior Travel Insurance ACE, as well as, two additional unrelated children. They have both single and joint policies. This variation in policies allows seniors to select the best travel insurance plan to meet their specific needs. It also reduces the need to pay for extra benefits that are not necessary. The company works hard to provide every customer with affordable rates, exceptional customer services, an extensive range of extra benefits, and easy claims process.Back to top
Australian National Seniors Travel Insurance Policies
Australia National Seniors Travel Insurance offer four different policies for customers, including two domestic travel policies and two international travel policies. Each policy varies slightly on what expenditures are covered. Below is a closer look at each policy.
- Seniors Annual Travel (Domestic)
This insurance policy is designed for those seniors who are planning to travel within the country of Australia and its territories. You must travel at least 100km from your home and your holiday can last for up to 45-days. The policy is available to all Australian residents who are 79-years old or younger. It provides various benefits, including costs associated with resumption of trip due to illness, injury or death; loss of deposit due to trip cancellation; lost, stolen or damage luggage or property; luggage delay; disruption of trip that causes additional hotel and travel expenditures; flight delays; accidental loss of life benefits; and personal liability.
- Seniors Annual Travel (International)
This policy is for seniors who want to travel internationally for a term of 45-days or less. This policy can be obtained for residents of Australia up to the age of 79-years old. It covers various benefits, including emergency medical and dental expenses; costs associated with resumption of trip due to illness, injury or death; loss of deposit due to trip cancellation; lost, stolen or damage luggage or property; luggage delays; disruption of trip that causes additional hotel and travel expenditures; flight delays; cash allowance for hospital stays; accidental loss of life benefits; and personal liability.
- Seniors Single Trip Cover (Domestic)
This policy is for those seniors who are planning to take just one trip during the year. This trip can last up to three months, but you must remain within the country of Australia and its territories throughout the duration of the trip. You must travel at least 100 km from your home. All Australian residents who are under the age of 89-years old are eligible for this policy. It covers various losses, including costs associated with resumption of trip due to illness, injury or death; loss of deposit due to trip cancellation; lost, stolen or damage luggage or property; luggage delays; disruption of trip that causes additional hotel and travel costs; flight delays; accidental loss of life benefits; and personal liability.
- Seniors Single Trip Cover (International)
This policy is available to all Australian residents under the age of 89-years old. It covers just one trip that can be up to three months in duration. It covers various benefits, including emergency medical and dental expenses; costs associated with resumption of trip due to illness, injury or death; loss of deposit due to trip cancellation; lost, stolen or damage to luggage or property; luggage delays; disruption of trip that causes additional hotel and travel expenditures; flight delays; cash allowance for hospital stays; accidental loss of life benefits; and personal liability.Back to top
Australian Senior Travel Insurance Policy Benefits
Australian Senior Travel Insurance includes numerous benefits in their policies to provide better services to their customers. Here is a look at the top benefit you can expect to find when obtaining travel insurance with this company.
- Competitive rates. Australian Senior Travel Insurance offers very competitive rates. By providing many services online, they are able to reduce administrative costs and offer lower premiums.
- Worldwide coverage. This insurance company offers a wide selection of option for the policyholder, including worldwide coverage that allows the policyholder to travel anywhere in the world under that same policy. They also offer other travel options, such as worldwide coverage (exceeding America and South Africa), South East Asia only coverage, New Zealand and/or the Pacific Island only coverage, and domestic coverage.
- ACE 24/7 assistance. Australian Seniors Travel Insurance provides the ACE 24/7 assistance helpline. Travellers can call the help number free of charge (by reversing charges if necessary) and receive free medical referral services. They maintain a comprehensive database of medical providers from around the world to help the traveller locate premium medical facilities in their specific area. This is a great option as it is not uncommon for travellers to be unfamiliar with the area and are unaware of appropriate doctors, dentists, and hospitals.
- Family include on policy. All of the policies with this insurance carrier cover dependent children and grandchildren. There is no limit to the number of children and grandchildren that can be placed on the same policy. In addition, joint policies also include the policyholder’s spouse or partner. Both the single and joint policy also includes two additional unrelated children that are going along on the trip.
- No medical certification required. Australian Seniors Travel Insurance does not require the policyholder to obtain medical certification prior to starting a policy. This is a great benefit for many seniors who do not want the added burden of obtaining a medical examination just to take out a travel insurance policy.
- Many pre-existing conditions included. Many, but not all, pre-existing conditions are covered under this travel insurance policy. This makes it a great option for older residents who want to travel but may be concerned about the overseas medical expenses associated with their pre-existing medical condition.
- Low policy excess fees. This travel insurance policy has very low excess fees applied. For domestic travel, the fee is only $50 and for international travel, the fee is $100.
- Free extension of period of insurance. Australian Seniors Travel Insurance also offers free Extension of Period of Insurance when facing an unforeseen event that prolongs the length of your trip.
Australian Senior Travel Insurance Policy Exclusions
Australian Senior Travel Insurance maintains the right to exclude certain expenses from being covered under their travel insurance policy. Here is a listing of the main exclusions of this policy that are not covered.
- Claims made for events or incidents that occur outside the specific dates of the travel insurance policy.
- Any claim for damages, injury or loss that occur while on any flight that is not on a licensed passenger airplane.
- Any claim for damages, injury or loss that occurs due to war, terrorism, civil war, invasion, foreign enemy, military or revolution.
- Any claim for damages, injury or loss that occurs due to nuclear contamination or a nuclear reaction.
- Any claim for damages, injury or loss that occurs due to the destruction, confiscation, or detention by customs in Australia or any foreign country.
- Any claim for damages, injury or loss that is caused by illegal or prohibited acts made by the policyholder or any member in the policyholder’s party.
- Any claim for damages, injury or loss due to dangerous activities, such as hunting, rock climbing, ballooning, scuba diving, polo, hang gliding, parachuting or riding a motorcycle.
- Any claims for damages, injury, or loss that were caused by a self-inflicted injury, or due to effects of drugs or alcohol.
- Any claim for damages, injury or loss that was caused by the policyholder, or members of the policyholder’s party, failure to take reasonable care to prevent the incident.
- Any claims made for cancellation changes and/or loss of deposit that were claimed after the doctor declared the person unfit for travel.
- All medical claims for childbirth, unless the mother did not know about her pregnancy prior to travelling.
- Any medical claims for stress, travel exhaustion, anxiety, depression, or sexually transmitted disease.
- Any claim made to refund payments made by the policyholder for unpaid taxes, fines or penalties.
- Any claims made due to a travel agency, or other entity, failure to make proper travel arrangements due to the insolvency of the person or business.
- Any claims that would be in direct conflict of the Health Insurance Act of 1973.
- Medical claims for pre-existing conditions for persons over the age of 75-years old, and in some cases for those under the age of 75-years old. Pre-existing conditions include asthma, diabetes, gout, epilepsy, hiatus hernia, high cholesterol, hip replacement, prostate cancer, stroke, underactive thyroid.
Cooling Off Period and Cancelling Your Australian Seniors Travel Insurance
The Australian law gives consumers a cooling off period after initiating a contract for various goods and services, including senior travel insurance. In accordance with this law, Australian Seniors Travel Insurance gives policyholders a maximum of 14-days from the day the policy is confirmed to cancel the policy. The policyholder must notify Australian Seniors Travel Insurance in writing that he/she wants to cancel the policy. Once the policy is cancelled, the policyholder will receive a full reimbursement for any premiums paid to date.
If the policy was already confirmed more than 14-days ago, the trip already commenced, or a claim was already submitted or could have been submitted, the policy cannot be cancelled and no premium payments will be returned. Australian Seniors Travel Insurance also maintains the rights to cancel any travel insurance policy if the policyholder, or any party covered by the insurance policy, made a false claim on the application for insurance, violated any part of the policy, or filed a falsified claim. In such cases, the insurance company will notify the policyholder of the termination of the policy and return any premiums paid minus the cost for the time period the policyholder was covered of the insurance policy.Back to top
Australian Senior Travel Insurance Claims
Making a claim with Australian Senior Travel Insurance is fairly quick and simple. It is advised, however, that you make any claim as soon as possible after the event occurs. To make a claim, you must complete the claim form in its entirety and submit it to Australian Senior Travel Insurance company within 30 days from the date of the incident. The form can be downloaded online or obtain directly from the company. You are also required to submit any related documentation, such as police reports, medical reports, death certificates, receipts, and proof of earnings, if necessary.
You must not admit to any guilt or make any type of offer to any parties when filing a liability claim. You give Australian Senior Travel Insurance the right to recover any funds owed to you or defend your actions if necessary. All overseas medical bills must be submitted to your private health insurance company before being submitted to Australian Senior Travel Insurance. Any lost, stolen or damaged luggage or personal property must be reported to the carrier service or airline responsible for the delivery of your belongings immediately after the event occurs.
Australian Senior Travel Insurance company will process all claims promptly and notify you directly of any unpaid claims and the reason the claim was denied. The insurance company also reserves the right to request an independent medical examination or examinations to be made to verify your health condition. All payments will be made directly to the policyholder, except in the event of death, in which payment will be made to the policyholder’s estate.Back to top