How can I contact Australian Seniors?

You can call Australian Seniors on 1300 551 762, weekdays from 8am to 7pm AEST and on Saturday from 8am to 5pm AEST.

Will grandchildren be covered by Australian Seniors travel insurance?

Your children or grandchildren (including stepchildren, adopted children, foster children and children you care for under a legal guardian arrangement) can be included as dependents on the Comprehensive, Essentials or Domestic Plan. However, they must be accompanying you for 100% of your journey, must not be in full-time employment, and must be aged under 25.

Do I have to be over 65 to buy travel insurance from Australian Seniors?

No, Australian Seniors does not have any age restrictions on its Comprehensive, Domestic or Non-Medical plans. However, the Essentials Plan and Multi-Trip plan is only available to travellers under the age of 75.

Australian Seniors Travel Insurance

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This insurance has no age limit for some plans and considers pre-existing medical conditions through a questionnaire.
You can tailor cancellation cover, but the Snow Pack is for under 75s and cash theft cover is low at $250.
COVID-19 cover includes medical and some cancellation costs, but excludes mandatory quarantine or border closures.

Pros

Australian Seniors is aimed at older travellers, so there's no age limit on its Comprehensive, Domestic and Non-Medical plans 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.

Cons

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 covers theft of cash up to $250 for Single and Duo cover, or $500 for Family cover, which is on the lower end when comparing other brands.

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Summary of Australian Seniors International Comprehensive policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	Cover chosen
Luggage and Personal Effects	$10,000
Maximum Age Limit	No 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.

Comprehensive

Essentials

Domestic

Multi-Trip

Non-Medical

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

Standard features
Optional add-ons
Exclusions

Check icon

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.

Exclusions

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

Unlawful, reckless 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.

Frequently asked questions

Your children or grandchildren (including stepchildren, adopted children, foster children and children you care for under a legal guardian arrangement) can be included as dependents on the Comprehensive, Essentials or Domestic Plan. However, they must be accompanying you for 100% of your journey, must not be in full-time employment, and must be aged under 25.

Compare other products from Australian Seniors

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

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Written by

Nicola Middlemiss

Journalist

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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28 Responses

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.

Finder

RichardFebruary 3, 2016Finder

Hi Maus,

Thanks for your question. finder.com.au is a comparison service and not an insurer. You may find the following page useful:
https://www.finder.com.au/travel-insurance/seniors-travel-insurance

I hope this was helpful,
Richard

TerryMarch 19, 2015

Hi
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.

Finder

RichardMarch 19, 2015Finder

Hi Terry,

Thanks for your question. Unfortunately, finder.com.au 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,
Richard

RonaldFebruary 26, 2015

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

Finder

RichardFebruary 26, 2015Finder

Hi Ronald,

Thanks for your question. Unfortunately, finder.com.au 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,
Richard

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.

Finder

ShirleySeptember 5, 2014Finder

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.

Cheers,
Shirley

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?

Finder

ShirleyJune 23, 2014Finder

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.”

Cheers,
Shirley

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Australian Seniors Travel Insurance

Our verdict: Aimed at older travellers, Australian Seniors Travel Insurance has no age limit on its Comprehensive, Domestic and Non-Medical plans and will consider pre-existing medical conditions.