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Cota Travel Insurance

Planning a retirement getaway? Consider Cota Travel Insurance for Seniors to safeguard you against any mishap while overseas.

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A lot of things can happen when you travel within or outside of your own country. Travel plans can be cancelled, you or your travel companion can become injured or sick, an emergency can arise that is beyond your control, and your personal property can be lost, stolen or damaged. When these incidents occur, it can involve added expenses or loss of fees already paid for your trip.

Neglecting taking out travel insurance may lead you to experience great financial hardship if you encounter unforeseen losses. This insurance will reimburse you for many expenses that may be incurred due to unforeseeable events, such as medical treatment, hospitalisation, cancellation of trip, or lost luggage. This can provide you with peace of mind throughout the duration of your trip, by knowing many extra out-of-pocket expenses that result from events outside of your control will be covered by insurance. This may provide the protection and security you want when planning your dream holiday. Travel insurance can help you whether you are planning a trip that will last several days or several months.

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COTA Travel Insurance is one of the leading companies in Australia serving seniors over the age of 55-years old. They offer several travel insurance policy options allowing you to select the one that meets the needs of you and your family.

Who is COTA Travel Insurance?

COTA Travel Insurance is a non-profit insurance company that has been providing seniors over 55-years old with affordable insurance options for more than 20 years. They maintain service offices in all Australian states and territories to better serve their customers. This insurance company offers various types of insurance, including home, vehicle, landlord, caravan, and travel insurance.

As part of their insurance services, COTA Travel Insurance offers several travel insurance policy options for seniors across the country, including their Comprehensive Plan, Frequent Travel Plan, Domestic Plan, and their Deposit and Cancellation Plan.

They pride themselves on providing high-quality insurance policies at affordable prices while maintaining an easy-to-understand and simple to complete claims process. This insurance company covers holidays to any location in the world and offers a 24/7 emergency hotline that can connect you to the appropriate medical services no matter where you are located.

Age restrictions apply to some of their travel insurance policy options, and those over the age of 81-years old may be subject to a medical examination prior to acceptance. They offer free quotes on all of the travel insurance policies. This upfront pricing allows you to make the right choice to meet the financial needs of your family.

COTA Travel Insurance Policy Review

COTA Travel Insurance Company offers four different travel insurance policies that are designed to meet the different needs of their customers. The type of insurance policy you obtain may be dependent on your age, where you are planning to travel, how often you travel and what your specific insurance requirements are. The four different policies are listed below with a brief explanation as to what is covered under each policy.


COTA Travel Insurance’s Comprehensive Plan is their premium policy that provides the greatest level of cover. This policy can be obtained up to 12 months prior to your departure day and allows for a maximum trip length of 12 months. If you are over the age of 81-years old, you may be subject to a medical examination in order to be eligible for cover. Coverage under this policy entitles the policyholder, their spouse or partner and any dependent children all of the benefits offered by COTA Travel Insurance.

Annual Frequent Traveller

The Annual Frequent Traveller plan is specifically designed for those who travel frequently throughout the year. The policy may be obtained up to 30 days prior to the first trip and each trip taken is limited to a 50-day period. This policy is effective for a total of 12 months. Only those over the age of 76-years old are eligible for this type of policy. All benefits offered by COTA Travel Insurance are offered with this policy. The policyholder can obtain additional benefits for an additional charge that will cover certain businesses expenses.


This travel insurance policy is only for those travellers who will be travelling to locations within Australia and its territories. This policy only covers some of the benefits offers by COTA Travel Insurance, such as additional expenses, cancellation costs, luggage and person effects, rental vehicle insurance excess, ski and golf benefits, accidental death and personal liability.

This policy can be obtained up to 12 months prior to departure of your trip and is good for holidays up to six months in length. People covered under this policy that are over the age of 81-years old may be required to have a medical examination prior to the start of the policy.

Deposit and Cancellation

This is a less expensive travel insurance policy but only covers certain benefits that include reimbursement for losses incurred due to the cancellation of your trip prior to the departure day. This includes reimbursement for any prepaid travel arrangements made in advance and cancellation. The reason for the cancellation of the trip must be due to an unforeseen incident. You must be under the age of 81-years old to be eligible for this insurance policy. These travel insurance policies are available for 3, 6, 9 and 12-month terms.

COTA Travel Insurance Policy Benefits

COTA Travel Insurance offers their policyholders many benefits under their travel insurance policy. The Compensation Plan and the Frequent Travel Plan include all of the benefits offered, while the Domestic Plan and the Deposit and Cancellation Plan provide partial benefits. Here is a list of the benefits offered by COTA Travel Insurance.

  • Overseas medical expenses. This includes reimbursement for all reasonable fees associated with a medical emergency that is not related to an exempt pre-existing condition. This includes doctor fees, hospital services and ambulance fees.
  • Emergency dental services. This includes payment for any emergency dental work needed while on your holiday due to an accidental injury or illness.
  • Additional expenses. The insurance will cover any hotel or travel accommodations that are necessary due to an unforeseen injury, illness or and tragic event that is outside your control.
  • Cancellation costs. If you need to cancel your trip prior to departure day due to an unforeseen illness, injury or death, or if the trip is cancelled for other reasons outside of your control, you will be reimbursed for the paid travel arrangements associated with your holiday that are not refundable.
  • Luggage and personal effects. If your luggage or personal belongings are lost, stolen or damaged through no fault of your own, you are entitled to compensation. This also includes document replacement fees and luggage delivery delays.
  • Travel service provider insolvency. If the company that made your travel arrangements becomes insolvent, you will be reimbursed any loss of money paid in advance of your trip.
  • Loss of income. If due to reasons beyond your control, you are unable to work due to an interruption with your travel plans, you can be reimbursed for loss of wages.
  • Out-of-pocket hospital allowance. If you are admitted to the hospital for more than 48 hours, you are entitled to a daily allowance to provide for your necessities. This is on top of your medical expenses.
  • Travel delay expenses. If you experience a delay in your travel arrangements for reasons outside of your control, you can be reimbursed for any additional accommodation expenses, travel arrangements and/or food expenses incurred due to this delay.
  • Resumption of trip expenses. If your trip is disrupted due to an unforeseen injury, illness or death of a family member or business partner, you are eligible to be reimbursed for the costs involved in resuming your holiday.
  • Special event policy. If due to a travel delay that was beyond your control, you are unable to make it to a planned special event, you can be reimbursed for the costs involved in obtaining alternative transportation and accommodation for your special event.
  • Domestic pets. This benefit will cover a portion of the cost incurred if your pet is injured during the trip, or if you must leave your pet in a shelter due to a travel delay or disruption.
  • Hijacking. Daily amount paid in the event of a terrorist hijacking or kidnapping.
  • Alternate staff. This reimburses you for travel expenses if you have to send a replacement staff member to cover your workload due to an illness or injury.
  • Ski and golf benefits. You will be reimbursed for any pre-paid fees if a ski or golf resort closes due to reasons beyond your control.
  • Accidental death. In the event of your death, this coverage will pay the cost of your funeral expenses and/or cremation expenses and the costs to transport your remains back to Australia.
  • Permanent Disability. You will receive a set fee if you become permanently disabled due to an illness or injury that occurs on your holiday.
  • Personal liability. This insurance will cover the cost of any payment you are required to make due to damage incurred by you due to your own negligence. This includes rental vehicle insurance excess.

COTA Travel Insurance Policy Exclusions

COTA Travel Insurance has set exclusions in place for times when you would not be eligible for reimbursement of your expenses. These exclusions are listed below and are determined at the discrepancy of the insurance company itself.

  • Any damage, injury or illness that occurs due to your lack of care or neglect.
  • Travelling after you have been deemed by a doctor, or are noticeably unfit to travel.
  • Any medical expenses incurred in a country that has a Reciprocal Health Care Agreement with Australia.
  • Any expenses incurred due to a pre-existing condition, except conditions on the approved list.
  • Any medical expenses for AICD or ICD insertions.
  • Any medical expenses for HIV or AIDS.
  • Any medical expenses for mental illness, including suicide.
  • Any medical expenses that can be covered under your employer’s worker’s compensation policy.
  • Any medical payment that is in breach of the Private Health Insurance Act of 2007.
  • Any expenses incurred due to loss of employment.
  • Any expenses incurred due to your participation in a criminal or fraudulent act.
  • Any injury, illness, or damages caused by acts of war, rebellion, civil war, insurrection, revolution, or terrorism.
  • Any injury or illness caused by biological, chemical or nuclear contamination or reaction.
  • Any additional expense caused by your personal error in making travel arrangements, such as failure to secure a passport.
  • Any illness, injury or damage caused by participation in dangerous activities, such as parachuting, hang gliding, sky diving, riding a motorcycle or riding any type of aircraft other than a licensed passenger plane.
  • Any illness, injury or damage that occurs while travelling in an unauthorised location.
  • Any damage or loss of property caused by a foreign or domestic government or customs office.
  • Any expenses incurred outside the dates of your planned holiday.
  • Any reimbursement for phone calls, except to COTA Travel Insurance’s emergency hotline.

COTA Travel Insurance Pre-Existing Medical Conditions

COTA Travel Insurance does not cover any illness or injury that stems from certain pre-existing conditions, including:

  • Cardiovascular diseases. This includes stroke, heart attack, aneurysms, angina cardiomyopathy, cardiac arrhythmias, and heart surgery.
  • Chronic Lung Disease. This includes emphysema, bronchiectasis, chronic bronchitis, and Chronic Obstructive Airway Disease.
  • Terminal Illness.
  • Fertility treatments.
  • Certain pregnancies.
  • Mental illness.
  • Sexually transmitted diseases.

However, the majority of pre-existing conditions are covered under the COTA travel insurance policies, as long as, you have not been treated for the disease or disorder within the past 24 months. Such conditions include, Bell’s Palsy, acne, Benign Positional Vertigo, Cataracts, carpal tunnel syndrome, coeliac disease, congenital deafness or blindness, dry eye syndrome, gastric reflux, folate deficiency, glaucoma, hiatus hernia, Graves’ disease, iron deficiency anaemia, macular degeneration, migraines, osteoporosis, hypothyroid, impaired glucose tolerance, incontinence, osteopenia, Raynaud’s disease, pernicious anaemia, trigger finger, vitamin B12 deficiency, sleep apnoea, planter fasciitis, and solar keratosis.

Additional pre-existing conditions that may be covered but require more stringent requirements include asthma, allergies, diabetes, high cholesterol, high blood pressure, epilepsy, high blood lipids, and certain pregnancies.

It is best to consult a representative from COTA Travel Insurance if you have a pre-existing condition to verify that medical bills will be reimbursed if you have an illness during your holiday that is associated with your pre-existing condition.

COTA Travel Insurance Claims

Filing a claim with COTA Travel Insurance is quick and simple. You must first submit a complete claim form that can be obtained online or at a COTA Travel Insurance service office. This claim must be submitted within 30 days of the actual event to qualify for reimbursement. You must also submit any appropriate documentation, such as;

  • Medical or police reports detailing the incident
  • Injury or illness, receipt for necessary expenditures
  • Proof of ownership of personal property requesting reimbursement

COTA will process your claim within 10 days from receipt of your claims form. If more information is required, you will be notified by mail and given a set time-frame to return the appropriate documentation. If your request is denied, you will also receive a written letter that describes why the claim has been denied. If the claim is approved, you will receive payment of the claim.

In the event of a personal liability claim, you are required not to make any admissions or agreements to the party you owe payment. COTA Travel Insurance will work on your behalf to negotiate the terms of this payment. By obtaining this insurance, you give the company the right to provide this service on your behalf.

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10 Responses

  1. Default Gravatar
    MimFebruary 24, 2017

    I have diverticular disease, is this condition covered under your policy

    • Avatarfinder Customer Care
      ZubairFebruary 28, 2017Staff

      Hi Mim,

      Thank you for your question.

      Pre-existing conditions are assessed on a case-by-case basis. You may find our article about travel insurance for pre-existing condition helpful.

      Cota 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 our travel insurance home page.


  2. Default Gravatar
    JudithFebruary 9, 2017

    I only need to cover 2 airfares to Sydney 800 dollars

    • Avatarfinder Customer Care
      RichardFebruary 9, 2017Staff

      Hi Judith,

      Thanks for getting in touch with Finder.

      If you wish to get covered by Cota, please visit their website where you can get a quote or purchase their policy.

      If you would like to compare the brands in our panel, please head over to our travel insurance home page. You may also find our travel insurance for flights only article helpful.

      While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!

      All the best,

  3. Default Gravatar
    sandyJanuary 8, 2017

    I am interested in taking out a travel cover.
    Is it necessary to join COTA membership to be eligible?

    • Avatarfinder Customer Care
      RichardJanuary 9, 2017Staff

      Hi Sandy,

      Thanks for contacting Finder!

      I’m afraid we currerntly don’t have a partnership with COTA. If you would like to get cover from COTA, you will need to head to their site directly.

      If you would like to compare your cover options from brands in our panel, you can do so by entering your travel details into the comparison tool on the travel insurance home page.

      All the best,

  4. Default Gravatar
    EvaAugust 1, 2016

    Hi there,
    I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe.
    Many thanks

    • Avatarfinder Customer Care
      RichardAugust 2, 2016Staff

      Hi Eva,

      Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.

      However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page. The comparison table does not only show the age cut-off but the maximum single trip length as well.

      I hope this was helpful,

  5. Default Gravatar
    rozAugust 22, 2014

    I am 67 and my husband is 76. Do you offer a multi trip 12 months travel insurance policy?

    • Avatarfinder Customer Care
      RichardAugust 25, 2014Staff

      Hi Roz,

      Thanks for your question. According to the COTA Annual Frequent Traveller Plan PDS its “… plan is for frequent domestic and/or international travellers. It
      covers multiple trips of up to 50 days each during a 12-month period.”

      If you are interested in getting in contact with COTA about taking out a plan, COTA’s number is 1300 1300 50.

      I hope this was helpful,


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