Boomers Travel Insurance

Boomers travel insurance is designed to cover travellers young at heart. They offer policies with no age limits, online medical screening for pre-existing conditions, free cover for dependents up to 25 years old and a range of optional extras for your trip.

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As of 18 March 2020, Smartraveller has raised its travel advice to "Do not travel" overseas and is urging Australians abroad to come home as soon as possible. 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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• Who underwrites Boomers travel insurance?

  Boomers travel insurance is underwritten by Allianz Australia Insurance Ltd., which insures over 3 million Australians.

Summary of Boomers' International Comprehensive Policy

^{Table updated February 2020}

Comparison of benefits

Boomers offers four different insurance plans, each of which can be purchased for one traveller, two travellers, or an entire family. We've listed the single traveller rates in this table.

• Boomer's travel insurance benefits explained

  • Overseas medical/hospital expenses. If a medical advisor decides that you need medical treatment or hospital admission while you're overseas, Boomers will cover the bills.
  • Cancellation fees. If any part of your journey is cancelled or cut short by circumstances outside your control, Boomer will reimburse any non-refundable charges up to the stated maximum. If the change in plans is your fault or your decision, you won't be covered.
    Luggage and personal effects. This covers the replacement or repair costs for your luggage if it's lost, stolen or accidentally damaged during your trip, up to the stated maximum.
  • Rental vehicle excess. Boomer will pay the excess or liability fee you've incurred if you damage a rental vehicle while driving it.
    Additional expenses. If illness or misadventure outside of your control messes up your travel plans, Boomers will cover additional unexpected accommodation and transport costs.
  • Return airfare. If you get sick enough to have to return home and there's still at least a quarter of your planned trip to go, Boomers will reimburse you for the price of your airline ticket.
  • Personal liability. If you end up having to pay legal costs or compensation to somebody as the result of an accident blamed on you, you'll be covered.

Summary of policies Boomers offer

The most important features of Boomers four different travel insurance policies are outlined below.

Policy type and age eligibility

What options can I add-on to my Boomers travel insurance?

In addition to the standard features outlined above, the International Comprehensive, Domestic and Multi-trip plans allow you to include the following options by paying a bit extra:

• Snow Pack. For activities like skiing or snowboarding. Adds cover for emergency rescue services, your own and rented snow sport equipment, piste closure, and closure due to bad weather and avalanches.
• Golf Pack. For golfers. Adds cover for your own or hired golf equipment, golf green fees, and a $250 bonus paid to you if you manage a hole-in-one during a game.
• Cruise Pack. Extends your medical cover to cruise ships, includes ship to shore evacuation fees, and reimburses you for cabin confinement and formal attire damage.
• Adventure Pack. For thrill-seekers and active travellers. Extends your cover to risky activities including abseiling, zip lining, quad biking, and more.

What isn't covered by my policy?

Some exclusions will depend on which plan you purchase, but general exclusions include:

• Cases where the damage is your own fault or the fault of someone you're travelling with.
• Age restrictions on the plans - some will only cover you if you're 74 or under, and the Essentials plan is only available to people 59 and under.
• Claims which arise while you're doing anything illegal or criminal.
• Claims involving pre-existing medical conditions which your insurer hasn't been informed about.
• You are under the influence of alcohol or drugs at the time of the incident.

Claim and contact details for Boomers

Some more information you might find useful

• Is cover available for any pre-existing medical conditions which don't incur extra premiums?

  Yes, some pre-existing medical conditions are automatically covered with no premium increase. These include asthma, cataracts and hay fever.

• What pre-existing conditions are excluded from cover?

  The following conditions are not covered under any Boomers Travel Insurance policies, but you will still be eligible for the Non-Medical Plan:

  • If you have had, or are awaiting, an organ transplant.
  • If you have been given a terminal prognosis of less than two years.
  • If you require either home oxygen therapy or oxygen for the journey.
  • If you have AIDS or an AIDS-defining illness.
  • If you have chronic renal failure.

• How do I know if my pre-existing condition will be covered?

  You can complete an online pre-existing medical assessment when you apply for cover.

• What happens if I'm hospitalised overseas?

  You or a member of your travelling party must call Allianz Global Assistance as soon as possible to sort out your cover arrangements.

• Are my children covered by Boomers Travel Insurance?

  Yes, children and grandchildren travelling with you will be covered provided that they are under the age of 25 and are not in full-time employment.

• I'm 80 years old, can I still take out cover?

  Yes, both the Comprehensive and Domestic Plans will provide cover.

• Is it possible to extend my policy if I'm already overseas?

  Yes, provided your policy hasn't already expired and you meet all the policy terms and conditions.

• Is there a cooling-off period?

  Yes, you have 14 days after taking out cover to change your mind and cancel the policy. You will receive a full premium refund.