Australian Seniors Travel Insurance
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Australian Seniors Travel Insurance

Our verdict: Aimed at older travellers, Australian Seniors Travel Insurance has no age limit and will consider pre-existing medical conditions.

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  • Australian Seniors is aimed at older travellers, so there's no age limit and pre-existing medical conditions will be considered using a medical questionnaire.
  • You can tailor the amount of cancellation cover you want, making the policy suitable for budget trips as well as more luxurious getaways.


  • The Snow Pack is restricted to under 75s, so if you're an older traveller who enjoys hitting the slopes, you might have to look elsewhere.
  • The Comprehensive plan only covers theft of up to $250 cash, which is on the lower end when comparing other brands.

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There are a lot of travel insurance brands with great cover for seniors. Use the tool below to compare from multiple brands. You can even filter for cover for cruise, pre-existing conditions and more.

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Summary of Australian Seniors International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age LimitNo age limit (120 on quote engine)

Table updated September 2023

How does Australian Seniors Travel Insurance cover COVID-19?

Australian Seniors offers some cover if related to COVID-19, but it's not the most comprehensive in the market. Here's what you can expect:

  • Overseas emergency assistance, medical care and hospital expenses if you're diagnosed with COVID-19.
  • Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19.
  • Additional expenses if you or a travelling companion are diagnosed with COVID-19.
  • Costs to return home if you are given medical advice that you should do so.
  • Costs to return home if a relative or business partner is hospitalised or dies due to COVID-19.

There are some scenarios that are not covered by Australian Seniors including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

What policies does Australian Seniors offer?

Australian Seniors offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

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The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

Here's a breakdown of Australian Seniors Travel Insurance features

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Standard features

These are some of the main insured events that Australian Seniors will cover. Some of these benefits may only apply on the Comprehensive International plan.

  • Overseas emergency assistance
  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Theft of cash
  • Loss or theft of travel documents
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

Australian Seniors also offers four add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Provides cover for a wider range of riskier activities, including deep sea fishing, outdoor rock climbing and riding a motorbike with the appropriate licence.
  • Cruise Pack Extends your insurance policy to cover cruises and a range of cruise-specific risks such as marine rescue and cabin confinement.
  • Snow Pack.Extends your cover to include snow activities and covers snow-specific risks such as piste closure and avalanches. Only available to under 75s.
  • Increased Item Limits Cover.Increase the claims limit of specific items if you're travelling with more expensive belongings. .

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Unfortunately, travel insurance doesn't cover everything. Generally, Australian Seniors will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not listed on your insurance document
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • If you travel against medical advice
  • Childbirth or pregnancy complications after the 23rd week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Australian Seniors PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Australian Seniors Travel Insurance claim

You can lodge a claim online, via the Australian Seniors Claims Portal. You'll need your travel itinerary, as well as any relevant receipts, medical records, and police reports.

If you need help, you can call the Australian Seniors claims team on 1300 551 762 (weekdays 8am-5pm AEST).

Here's the bottom line about Australian Seniors Travel Insurance

Australian Seniors has a good range of options to customise your policy, including Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover. You can also increase item limits and adjust your excess.

However, cover for claims related to COVID-19 are limited and, in most cases, either you or your travelling companion would need to be diagnosed with COVID-19 to make a claim.

If you're still not sure about Australian Seniors, you can compare other travel insurance companies here.

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28 Responses

    Default Gravatar
    SharynAugust 3, 2023

    I am 64 and going to Bali for a week. Could I get a quote for just medical insurance.

    Default Gravatar
    ElizaberhAugust 27, 2018

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

      JhezelynAugust 28, 2018Finder

      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.

      ZubairFebruary 23, 2017Finder

      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?

      RichardJanuary 30, 2017Finder

      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.


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