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Australian Seniors travel insurance

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


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.

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warning A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

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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 expenses
Cancellation or amendment and expensesChoose coverChoose cover
Missed connection & special events
Rental vehicle excess
Luggage and personal effects
Theft of cash
Personal liability
Accidental death
Funeral or repatriation expenses
Permanent disability

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

  1. 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 on this page. Please enter your trip details on the quote engine, click the Get Quotes Now 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 chat box on the lower right corner of our page.


  2. 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

      I’m afraid does not currently have access to the travel insurance brand shown above.

      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 trip into the comparison form.

      Once you have done you can click on ‘Go to site’ button to head over to the Insurer website.

      Hope this information helps


  3. 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.


  4. 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 travel insurance for pre-existing conditions article.


  5. 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.

  6. 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,

  7. 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,

  8. 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 fill in this form. If you would like a quote from Australian Seniors Travel Insurance only, please get in touch with them directly.


  9. 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.”


  10. 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.

      Unfortunately 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 on this page.


    • 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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