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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.
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- 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 two different policies for customers, one for single trips and an annual policy for frequent travellers.
- Seniors Single Trip Cover (Domestic or International)
This policy is for those seniors who are planning to take just one trip, wither within Australia or abroad. Cover does vary slightly depending on where you're travelling, with it broken up into five categories: worldwide, worldwide excluding the Americas and Africa, South East Asia, New Zealand/Pacific Islands and domestic. A trip can last up to six months outside of Australia, or three months if taking a domestic trip and is considered a trip if at least 100 km from your home. All Australian residents who are older than 18 and 89 or younger are eligible for this policy, unless they're a dependent child/grand child that's 21 or younger. It covers various things including overseas medical and dental expenses (not applicable on domestic plans), loss of deposits if you need to cancel and its beyond your control, lost luggage and flight delays.
- Seniors Annual Travel (Domestic or International)
This policy is for seniors who want to travel multiple times through the year, with each trip being 45 days or less to anywhere in the world (excluding Cuba) or within Australia. This policy is only available to travellers 79 or younger, plus their dependent children/grand children 21 years or younger. Like the single trip policy, it can cover you for things like overseas medical expenses, cancellation fees, travel delays and lost luggage.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 options 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.
- Chubb Assistance 24/7. Australian Seniors Travel Insurance provides 24/7 emergency referral service through Chub Assistance. You can also use the service for non-emergency advice and assistance with your coverage.
- Family included 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.
- Some pre-existing conditions included. Some common pre-existing conditions among seniors are covered by the policy for no additional charge, so long as there hasn't been a recent issue (i.e. if you have high cholesterol but no other known heart conditions). 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. Other conditions may be covered for a premium.
- 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.
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 some exclusions of this policy that are not covered.
- Claims made for something outside of the period of insurance
- Air travel not as a passenger on a licensed plane
- Acts of war, rebellion, terrorism or military power
- Loss or theft of property if you didn't take reasonable care
- Pre-existing conditions (either for you or a travel companion, or any other person you would need to return home for)
- Pregnancy after 24 weeks
- Suicide or attempted suicide, self-harm, travel exhaustion
- Drugs, alcohol or sexually transmitted dieases
- Nervous, anxiety or stress-related disorders
- Certain sports like hunting, racing, polo, hang gliding, professional sports, mountaineering, bungee jumping and scuba diving (if not qualified or with an instructor)
- Motorcycle accidents if riding a bike 200cc or more
- Failed services by a tour agent, airline, rental agency or other tourism services due to insolvency
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 by 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, which you can get on the Australian Seniors Travel Insurance website, in its entirety and submit it to Australian Senior Travel Insurance company within 30 days from the date of the incident.
You are also required to submit any related documentation, such as police reports, medical reports, death certificates, receipts, and proof of earnings, if necessary.
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.Back to top