National Seniors Travel Insurance Review
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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Interesting points about National Seniors Travel Insurance
Regardless of where you are travelling to, you need to have cover for unforeseen emergency travel expenses. Even if you’re travelling domestically it is a good idea to have travel insurance. While the thought of something happening to you or your family is unpleasant, being prepared can save you from that nightmare becoming a reality.
Due to the often substantial cost of being hospitalised as a visitor in any part of the world, having overseas emergency medical coverage is especially important. Being hospitalised for something as minor as a non-lethal allergic reaction can be incredibly expensive depending on where you are, so it is always a wise choice to purchase travel insurance. You will be reimbursed for the amounts and expenses determined by your insurance policy, so you can be worry-free when you’re travelling on your own or with your family.
National Seniors Travel Insurance Policies
National Seniors Australia provides several seniors travel insurance coverage options for domestic and international travel, and promises to provide flexible and affordable policies. All policies includes unlimited reimbursement for any overseas medical expenses, depreciation costs (in regards to loss of luggage and personal effects), cover for pre-existing medical conditions (for a possible additional premium and subject to application), and trip cancellation with deposit cover.
Most pre-existing medical conditions are automatically covered under any insurance policy, though there are some exceptions as specified by the National Seniors organisation. To have your condition covered, you must prove that you have not been admitted to hospital for any reason for the past 2 years, meet the specified age limit, and your condition is listed on National Seniors list of covered pre-determined ailments. If your condition is not listed, you will not be eligible for coverage, unless National Seniors offers you coverage after a medical assessment.
You will also be not covered if you travel to countries under a “Do Not Travel” advisory as indicated by the Australian government, and National Seniors will not provide reimbursement for trip cancellation due to change of mind or anticipated events.
Each plan is available for single or multiple travellers, so you are able to get cover for your family members if they meet the pre-determined requirements. There are two plans that you can choose from if you are travelling overseas:
This is the most cost-effective plan from National Seniors. Though it does cover unlimited amounts when it comes to emergency medical and evacuation expenses (not including dental), the plan also provides limited benefits for:
- travel cancellation or delay
- personal liability
- baggage and other personal property
- emergency dental care.
The International Premium plan is the most comprehensive plan. You get all of the benefits of the International Basic plan and much more. Cancellation costs are subjected to unlimited cover in the Premium plan. Other benefits include:
- cover for loss of income
- additional hospital costs.
Other insurance options are the Frequent Traveller Plan, which mirrors the International Premium plan in benefits and coverage amounts, but covers you for multiple trips domestic and international trips for 12 months.
If you’re planning on domestic travel, you can select the Australia Only plan for coverage on travel within Australia. This plan provides pre-determined amounts of cover for:
- evacuation and other medical expenses
- personal liability
- rental transportation
- golf and snow sports.
How to File a Claim With National Seniors Travel Insurance
To make a travel insurance claim with National Seniors, you will have to visit the National Seniors website to access the downloadable claims form. You will need to print off the form, fill it out and send your completed form (and any other required documents) by post or email to Cerberus Special Risks for processing. Cerberus handles all travel insurance claims for National Seniors Travel Insurance.
Cerberus Special Risks requires that you submit any original documentation to support your claim, so you should take copies for your records before sending the documents. The online claims form has a checklist to help speed up the claims process.
What Other Products Does National Seniors Travel Insurance Offer?
Travel insurance is just one service that National Seniors Insurance provides. They have an array of insurance services to help cover and protect what matters most to you such as your home, vehicle, boat, pets and health. These other insurance products are provided directly by National Seniors Insurance, though Lloyd's is the underwriter for National Seniors Home, Car, and Landlord insurance products.
Allianz Australia is one of the largest providers of insurance in Australia and its parent company, Allianz Global Assistance, is a trusted and established name in the global insurance industry.
- Home: National Seniors Home Insurance has two coverage options, Classic and Prestige. These options allow you to choose a suitable amount of cover by weighing up the insurance benefits. These policies are underwritten by certain underwriters at Lloyd’s.
- Car: The National Seniors Car Insurance is also underwritten by certain underwriters at Lloyd’s and provides competitive prices and reasonable cover. They provide 24/7 roadside assistance to all National Seniors Car Insurance policyholders.
- Life: National Seniors Insurance will refer those wanting to purchase life insurance to Allianz Australia for any life insurance needs.
Apply for National Seniors Travel Insurance
You should always purchase travel insurance before embarking on a trip, but sometimes purchasing a plan that provides proper coverage at an affordable rate can be challenging for the ageing population.
National Seniors recognises the talents and assets of the ageing Australian population, and promises to provide and lobby for fair deals for the maturing population. In keeping with their goals, they are proud to provide competitively priced international and domestic travel insurance options that are specifically designed to suit the needs of Australian senior citizens.
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