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If you’re 65 or older and planning a holiday, one of the first items you pack in your suitcase should be adequate travel insurance cover. Whether you're heading away on a cruise, visiting friends overseas or embarking on a dream adventure, here’s how to find a policy that provides all the cover you need for your trip.

What is the age limit for travel insurance?

Whether you're a traveller in your 50s, 60s, 70s or 80s, you can find seniors travel insurance to suit your needs. Many insurers provide cover for pre-existing conditions, and travellers up to 101 years of age. To see the maximum age limits for the travel insurance brands on finder, have a look at the table below.

BrandStandard age limitGood to know
1Cover79If you're 80 or over, you need to complete a pre-existing medical declaration form for Comprehensive and Domestic policies. Comprehensive and Domestic policies are available to travellers under the age of 79, while Essentials and Basic policies are available to travellers under the age of 74.
American Express89Cover is available to travellers under 89 years of age on the Comprehensive and Ultimate Single Trip policies.
AIG84If you're a senior traveller 85 years and over wishing to apply for travel insurance, you'll need to obtain a Mature Age Assessment application from AIG. Those aged 85 years and over, if accepted, will be advised of the premium payable and any additional terms of cover.
Australia PostN/AThe product disclosure statement (PDS) does not mention an age limit. It's a good idea to check with the provider prior to purchase. Also note that reduced limits may be applied to travellers over 70 years of age.
Blue Monkey65Cover is available to travellers under the age of 65.
Boomers74Travellers up to the age of 74 are eligible for the Multi-Trip Plan; the Non-Medical Plan is available for all ages, and the Essentials Plans has an age limit of 59.
Budget Direct100Comprehensive and Domestic policies cover you if you are 100 years of age or under on the date of application, while Last Minute, Essential and Annual Multi-Trip levels of cover are available for travellers under 75.
Cheap 65Cover is available to travellers under the age of 65.
Check-In79The maximum age covered is 79 on both the Comprehensive and the Basic policies.
Citibank89Citibank single trip provides travel insurance if you're aged between 70-89 years of age.
Columbus Direct84If you wish to take out Columbus Direct travel insurance, you must be no more than 84 years old on the date of purchase.
Cover-More84Cover-More offers travel insurance for people up to 84 years of age.
Dodo100This insurance covers people that are 100 years of age or under on the date of application.
Downunder (DU Insurance)120Plans A Plus, A and B are available to travellers of all ages. Travellers over the age of 80 may be subject to different excess amounts and claim limits.
Easy70If you're over 70 years of age at the time the Certificate of Insurance is issued, you need to complete a Travellers Medical Appraisal Form. If your application is approved, you will be advised of any restrictions that apply, and you may have to pay an additional premium.
Fast Cover89Travellers 90 years and over are subject to various conditions, depending on the policy.
Go Insurance75This policy is available to anyone aged 75 and under at the time of purchase.
InsureandGo100This travel insurance covers people who are 100 years of age or under on the date of application for the Silver and Gold policies.
Insure4Less65This policy provides cover for travellers aged 65 and under.
iTrek65Cover is available to travellers aged 65 years and under.
Multitrip.com.au79This plan provides cover for travellers who are 79 years or under on the date of application.
No Worries84Cover is available to travellers under the age of 85.
Online Travel Insurance74People under the age of 74 can access Comprehensive, Domestic, Basic and Multi-Trip Plans.
OverSixty Travel InsuranceAll agesComprehensive, Domestic and Non-Medical Plans are available to all ages, while the Essentials and Multi-Trip Plans are available to travellers under the age of 74.
Professionals Travel Cover 65Cover is available to travellers aged 65 years and under.
RACV N/AThe product disclosure statement (PDS) does not mention an age limit. However, it is advisable to double check with the provider prior to purchase.
Simply79Simply covers travellers under 79 with its Comprehensive and Australia Only policies. Travellers under 74 can get its Budget policy, and those under 64 can get its Frequent Traveller policy. If you are aged 80 or over, you will need to complete a pre-existing medical declaration form to be considered.
Ski-Insurance.com.au64Cover is available to travellers aged 64 years and under.
Southern CrossNo age limitCover is available to travellers of all ages.
STA74Cover is available to travellers under the age of 74 with the Comprehensive, Standard and Cancellation & Luggage policies.
Tick 100Travellers under the age of 100 are eligible for the Domestic, Standard and Top policies, while Budget policies are available to travellers under 79 and Basic policies are available to travellers under 69.
Travel Insurance Direct81Travel Insurance Direct offers cover up to the age of 81 for its Works and Domestic policies. The Basics policy is available to travellers under the age of 76.
Travel Insurance Saver79Travellers with pre-existing conditions and/or those over the age of 80 years will need to complete a Traveller's Medical Appraisal form.
Travel Insuranz70Travel Insuranz offers travel insurance for people under the age of 70.
VirginN/AThere does not seem to be an age limit for Plan A (Comprehensive) and Plan B (Australia Only). However, it is advisable to check with the provider prior to purchase.
WebjetAll agesComprehensive, Domestic and Non-Medical Plan are available to travellers of any age. Essentials, Basic and Multi-Trip Plans are available to people under the age of 74.
Woolworths79Woolworths covers policyholders who are not older than 79 at the time of purchase of its Comprehensive, Basic or Saver policies. The age limit for Annual Multi-Trip policies is 75.
Worldcare85Worldcare provides Comprehensive and Australia Only (Plans A and B) travel insurance cover for travellers up to 85 years of age. Plans C, D and E (Budget Cover, International and Australia) have an age limit of 71.
youGo99YouGo provides cover for travellers up to the age of 99, depending on the area selected and duration of travel. Reduced limits may apply for travellers over the age of 70.

Travel insurance for seniors: how is it different?

What’s the difference between seniors travel insurance and a run-of-the-mill travel insurance policy? There are a few key factors:

  • It costs more. Yep, this is sad but true. When they calculate your premiums, insurers take into account the likelihood that you’ll have to make a claim. And because seniors are more likely to suffer serious (and potentially expensive) medical problems overseas, travel insurers impose an age loading for people over the age of 60.
  • Some pre-existing conditions may not be covered. Some policies may not cover travellers over a certain age for specific pre-existing medical conditions. For example, asthma may not be covered if you're over 60.
  • You might need to apply for a special policy. Some travel insurance brands require you to apply for a special seniors policy when you're above a certain age. These policies may have reduced benefit limits, so read the fine print closely.
  • You may not be eligible for an annual multi-trip policy. Most insurers have a maximum age limit on annual policies. Find out more about the age limits of annual multi-trip policies available on finder.

What's normally covered under a pensioners policy?

If you choose high-level cover, seniors travel insurance can cover a wide range of travel risks and expenses, including:

  • Overseas medical expenses. This includes cover for ambulance transport, hospital accommodation, medical evacuation and even repatriation back to Australia if necessary.
  • Cancellation costs. If you need to cover your trip due to unforeseen circumstances, for example a serious injury or the death of a relative, travel insurance covers your cancellation fees and non-refundable deposits.
  • Lost, stolen or damaged luggage. You’ll be covered for the cost of repairing or replacing your luggage and personal belongings, while benefits are also available if your luggage is delayed or misplaced by an airline.
  • Travel delay. If your flight is delayed by circumstances beyond your control, travel insurance can cover your additional meals and accommodation expenses.
  • Rental car insurance excess. When your hire car is crashed, maliciously damaged or involved in an accident, this benefit covers the hefty excess charged by the hire company.
  • Theft. You’ll also be covered for theft of cash from your person.
  • Passports and travel documents. If your passports or important travel documents are lost or stolen during your trip, seniors travel insurance can cover the cost of their replacement.

Will my pre-existing condition be covered?

It’s an unfortunate fact of life that, as we age, we become susceptible to an increasing range of health problems. For senior travellers, this means that when you apply for travel insurance there’s a good chance that you will have one or more pre-existing medical conditions.

You have a duty to disclose these conditions to the insurer during the application process as this could have a bearing on their decision whether or not to offer cover, as well as help them calculate how much your premium will be. If you don't, the insurer can refuse to cover you, so it's better to be safe than sorry.

If you have a pre-existing condition and you’re worried that it could impact your ability to get travel insurance, here’s what you should know:

  • Some travel insurance brands only provide cover for health conditions up to a certain age. Some insurers in Australia exclude applicants over the age of 75 from receiving cover for pre-existing conditions.
  • Each brand may have different rules for different pre-existing medical conditions. For example, some brands will not cover you for stroke if you had a stroke within the last two years, while some other brands will not cover you if you've had any incidents within the last five years.
  • You may need to provide additional medical evidence. Some medical conditions, such as cataracts, glaucoma and high blood pressure, are often automatically covered. To get cover for other conditions, you may have to complete a medical declaration as well as pay an additional premium.
  • Failure to disclose can cause big problems. Don’t be tempted to ‘forget’ to disclose a pre-existing condition just so you can save a few dollars on the cost of cover. If you later need to make a claim due to this condition, your claim will be rejected and the insurer may decide to cancel your policy.

What is a pre-existing condition?

A pre-existing condition is generally defined as:

  • An ongoing medical condition or symptom of the condition that the applicant is aware of, or complications related to the condition
  • A medical or dental condition that is currently being treated or has been treated by a certified medical professional
  • Pregnancy
  • Conditions that the policyholder treats with prescribed medication
  • Conditions that the policyholder has had surgery on in the past

Check the PDS to see how your insurer defines pre-existing conditions.

What types of pre-existing conditions are usually excluded from cover?

Conditions that are covered and excluded by seniors travel insurance policies vary between insurance brands. Make sure you know what you’re covered for prior to submitting your policy application. However, you typically cannot get cover for:

  • Any condition for which you have been given a terminal prognosis and a life expectancy of less than two years
  • Any condition for which you have been hospitalised in the past two years
  • Any condition for which you have undergone surgery in the past six weeks
  • Any type of cancer or secondary cancer
  • Any condition for which you require oxygen
  • Cardiovascular disease
  • Congestive heart failure
  • Mental illness (conditions on mental illness vary greatly between insurers, so it's critical to have a clear understanding of the terms and conditions of this exclusion)
  • Chronic or recurring pain
  • HIV or AIDS
  • Deep vein thrombosis (DVT)

Finally, keep in mind that certain medications may also be excluded from cover. For example, many insurers won’t cover you if you take a blood-thinning prescription medication such as Warfarin.

Can I still get a policy if I have an excluded condition?

Yes. You will still be eligible to purchase a policy and take advantage of the benefits it provides, but you will not be covered for any claims that arise due to your pre-existing condition.

Tips for senior travellers

Keep the following tips in mind to make sure you enjoy a safe and healthy holiday.

  • Check with your doctor. Book in for a check-up to make sure it’s safe for you to travel. Not only will your doctor be able to detect any health problems that could cause issues during your trip, but they can also provide tips and advice on how to travel safely.
  • Make sure your vaccinations are up to date. Check to see what (if any) vaccinations you will need before your trip. Once again, your doctor is the best person to advise you on this.
  • Changes to medication. Check with your doctor to see if you need to adjust any of your medications based on your destination. For example, some medications that are legal in Australia may not be available overseas, while diabetics should check to see if they need to adjust their insulin dosage to account for different time zones.
  • Doctor's statements. If you are taking medication for a pre-existing condition, you may require a written referral from your doctor to avoid any difficulty with customs officials.
  • Buying medication overseas. Beware of buying prescription medication from different countries overseas as the strength of those medications and recommended dosages may be different to what you are usually prescribed. Whenever possible, make sure you have enough medication (including some extra in case of unexpected delays) to cover the entire trip duration.
  • Avoid Deep Vein Thrombosis (DVT). Prevent DVT and its potentially life-threatening complications when flying by strolling up and down the aisles when possible, performing foot and leg stretches while seated, staying hydrated and avoiding alcohol.
  • Take care of yourself. Don’t plan a jam-packed itinerary that will have you hurrying from one destination to the next. Give yourself some time to relax, recover from the effects of jet lag and avoid pushing yourself too hard.

Do I need specialised cruise insurance as a senior?

Cruise travel insurance is available to people over 65 and offers additional cover for losses that you may incur while on a cruise trip. Your insurer can provide additional cover for the following:

  • Medical expenses incurred while at sea
  • Medical allowance if you're confined to your cabin
  • Cancelled excursions due to bad weather
  • Cancellations due to missed cruises

More about cruise travel insurance

How much does it cost?

There are many factors that affect the cost of seniors travel insurance, including:

  • Your age. As a general rule, the older you are, the more you’ll have to pay for a policy.
  • How many people the policy covers. The more people you insure, the higher your premium.
  • Your pre-existing conditions. If you have a pre-existing condition that isn’t automatically covered, the insurer may agree to cover it if you provide further medical information and pay an additional fee.
  • Your travel plans. Where you’re travelling and how long you’ll be going for can influence the cost of cover. You may also need to purchase additional cover for your specific trip, for example if you want golf travel insurance or cruise travel insurance.
  • The level of cover you choose. Comprehensive cover costs more than policies that only cover the essentials.
  • Any discounts that apply. Many insurers offer discounted cover to seniors, while you may also be able to access discounts for buying online, for using special promo codes and coupons, or for holding multiple policies (e.g. car insurance, home and contents insurance and travel insurance) with the same provider.

To give you an idea of how much a policy will cost, check out the examples below.

Southern Cross Travel InsuranceInsureandGoBudget DirectFast Cover
DestinationUSAUSAUSAUSA
PolicyTravelCare - Single JourneyGold PolicyComprehensiveComprehensive Plus
Length of trip14 days14 days14 days14 days
Age of traveller65656565
Total cost of cover$120.90$191.67$198.67$135.90
Get quoteGet quoteGet quoteGet quote

*Prices shown accurate 6 October 2017 and are only to be used as a guide. Rates subject to change based on personal details.

Southern Cross Travel InsuranceInsureandGoBudget DirectFast Cover
DestinationUSAUSAUSAUSA
PolicyTravelCare - Single JourneyGold PolicyComprehensiveComprehensive Plus
Length of trip14 days14 days14 days14 days
Age of traveller70707070
Total cost of cover$199.95$191.67$256.71$211.90
Get quoteGet quoteGet quoteGet quote

*Prices shown accurate 6 October 2017 and are only to be used as a guide. Rates subject to change based on personal details.

Southern Cross Travel InsuranceInsureandGoBudget DirectFast Cover
DestinationUSAUSAUSAUSA
PolicyTravelCare - Single JourneyGold PolicyComprehensiveComprehensive Plus
Length of trip14 days14 days14 days14 days
Age of traveller75757575
Total cost of cover$325.50$234.26$357.34$293.90
Get quoteGet quoteGet quoteGet quote

*Prices shown accurate 6 October 2017 and are only to be used as a guide. Rates subject to change based on personal details.

Southern Cross Travel InsuranceInsureandGoBudget DirectFast Cover
DestinationUSAUSAUSAUSA
PolicyTravelCare - Single JourneyGold PolicyComprehensiveComprehensive Plus
Length of trip14 days14 days14 days14 days
Age of traveller80808080
Total cost of cover$418.50$537.02$538.92$434.90
Get quoteGet quoteGet quoteGet quote

*Prices shown accurate 6 October 2017 and are only to be used as a guide. Rates subject to change based on personal details.

How do I get the best* seniors travel insurance policy?

There’s no such thing as a singular policy that’s better than all the rest for all mature travellers. Every individual has their own unique cover wants and needs, so the right policy for your trip will vary depending on where you’re going, what you’re doing when you get there, your overall health and a range of other factors. To find the best policy for your trip, follow a few simple steps:

  • Consider your cover needs. Do you want basic or comprehensive cover, single or multi-trip cover, international or domestic insurance? How much cover do you want for crucial benefits such as overseas medical expenses and unexpected cancellation costs? Do you need to add any extras to your policy, for example golf or cruise cover?
  • Work out your budget. The cost of cover varies widely between insurers and based on your personal circumstances, so it’s a good idea to work out roughly how much you’re willing to spend on travel insurance before hunting around for a policy.
  • Do your research. Now it’s time to see what’s available. Research the different policies that are suitable for you, and make sure any policy you consider is backed by a reputable underwriter.
  • Compare, compare, compare. It’s easy to compare travel insurance online. As well as the cost of cover, consider the benefits, limits and exclusions of each policy to find cover that matches your needs.

How can I get seniors travel insurance on the cheap?

Cost is always a factor when considering which travel insurance policy to choose, but it shouldn't be the only factor you consider. It's important to look at what a policy covers before deciding whether it's right for you. Want to save money? The following tips could help:

  • Buy direct. Travel insurance policies purchased through travel agents and airlines cost two or even three times as much as policies bought directly from the insurer, so cut out the middleman and buy cover straight from the provider.
  • Buy online. Some insurers offer premium discounts if you choose to buy cover online rather than over the phone.
  • Shop around. Instead of settling for the first insurer you find, compare seniors travel insurance quotes across a number of insurers to find the best value for money.
  • Take advantage of discounts. Some insurers offer seniors discounts to customers over the age of 55. You could also be able to benefit from a multi-policy discount if you hold another type of cover, for example car or home and contents insurance, with the same provider.
  • Use promo codes. Search for online promo codes that you can apply at the checkout to enjoy discounted travel insurance premiums.
  • Choose a higher excess. If your policy comes with a flexible excess, you can adjust your excess higher and receive a lower premium in return.
  • Don’t pay for options you don’t need. If you’re paying extra for optional cover, such as adventure sports cover or even increased cover for valuable items, make sure you’re paying for cover you actually need.
  • Consider multi-trip cover. If you’re a frequent traveller and you’ll be taking more than one trip in the next 12 months, consider buying annual travel insurance. This policy covers all your trips for a year and is usually cheaper than buying separate cover for each trip.

Discounts available on finder

The following travel insurance brands offer cover for seniors, and an exclusive discount on finder.com.au.

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Why seniors use finder.com.au to compare travel insurance

Am I too old for travel insurance?

The short answer is no.

It’s possible to find travel insurance for people of all ages. As the table near the top of this page shows, policy age limits vary from one insurer to the next. However, there are insurers that offer cover for travellers up to the age of 90, 100 or even 120, and some providers that don’t impose any upper age limits on their policies at all. Check the relevant section for your age group below for more information on how to find cover.

When we reach the age of 60, many of us are nearing retirement or have already reached this momentous milestone. If you’ve recently celebrated your 60th birthday, you’re probably embracing the freedom of having no mortgage to repay and no kids to provide for – and travel is one of the best ways to take advantage of that freedom.

Unfortunately, from the age of 60, insurers start adding heft age loadings onto their travel insurance policies, so it’s important to shop around for affordable cover. Check out our guide to travel insurance for over 60s for more info on how to find the right cover.

By the time you turn 65, most insurers will classify you as a senior. This means increased age loadings will apply, while a select few insurers may refuse cover to your age group altogether.

You’ll also need to pay special care to how insurers treat pre-existing conditions, as you may need to complete additional medical forms before you can purchase cover.

Our travel insurance for over 65s guide contains all the info you need to know.

Now that you’re in your 70s, chances are that you’ve farewelled the workforce for good. All being well, you’re perfectly placed to pack your bags and head out to see the world.

But finding seniors travel insurance for over 70s can be a tricky business. The cost of cover continues to rise as you age, while a growing number of pre-existing conditions will be automatically excluded by some insurers.

Check your insurer’s PDS for details of how they cover pre-existing conditions, and remember that you may need to submit a medical declaration before you’ll be approved for cover.

While you might still feel like a 25-year-old, if you’ve passed your 75th birthday insurers will be sure to cover you based on your chronological age. What does this mean for travel insurance? For starters, it means increased premiums as age loadings really start to kick in. It may also mean additional restrictions regarding pre-existing conditions, so you’ll need to read the terms and conditions closely before choosing a policy. Despite the drawbacks, it’s still very much worth your while buying seniors travel insurance. Check out our guide to travel insurance for over 75s for tips on how to find the right policy.

If the memorable milestone that was your 80th birthday is now fading in your rearview mirror, you may find that your travel insurance choices are a little more limited. You’ll now be above the maximum age limit imposed by a number of providers, but that doesn’t mean there aren’t plenty of companies willing to provide cover. However, the cost of cover is even higher in this age bracket, while cover for pre-existing conditions is also increasingly restricted. Our travel insurance for over 80s guide provides plenty of useful tips to help you find the right policy.

Once you reach the age of 85, travel insurance becomes even more expensive. You’ll also be above the maximum age limit for many insurers, but it’s still entirely possible to find a suitable policy.

Our seniors travel insurance for over 85s guide contains useful information about pre-existing conditions, the factors that impact the price of cover, and how you can compare policies to find suitable cover.

Pros and cons of seniors travel insurance

Pros

  • Financial protection. Seniors travel insurance provides a crucial financial safety net to protect against a wide range of risks, including everything from damaged luggage and travel delays to overseas medical expenses.
  • Peace of mind. With your seniors travel insurance sorted, you can head out and explore the world, safe in the knowledge that you won’t end up out of pocket if something goes wrong during your trip.
  • Plenty of choice. Increased competition among insurers has made it easier for seniors to find travel cover, while a number of insurers now specialise in policies for older travellers.
  • Some pre-existing conditions can be covered. Some pre-existing conditions are automatically covered, while others can also be covered if you provide additional medical evidence to the insurer.

Cons

  • More expensive. Unfortunately, cover for travellers 60 years or over tends to be more expensive that insurance for younger travellers, because many providers add significant age loadings to seniors travel insurance.
  • Age limits apply. Some insurers simply won’t cover you if you’re 65 years of age or older.
  • Lower age limits on certain plans. Many insurers impose lower age limits on specific policies, such as basic cover and annual multi-trip cover.
  • Lower levels of cover. Some insurers offer lower benefit limits to seniors than they do to other travellers.
  • Exclusions apply. You’ll need to check whether any additional exclusions apply to your policy, such as those exclusions relating to pre-existing conditions.

Got questions? We have answers

Yes. Many insurers will automatically include cover for grandkids travelling with you provided that they’re under the age of 21, named on your policy and not working full-time.

You can access a full range of policies including international and domestic travel insurance, comprehensive or basic cover, and single-trip or annual multi-trip cover. However, you should be aware that stricter age caps apply to some policies, for example annual multi-trip travel insurance.

Yes. You can still get cruise travel insurance if you’re over the age of 60. This type of insurance is offered as an extra-cost option by many insurers and covers you for a range of cruise-related costs, such as:

  • Medical expenses incurred while at sea
  • Medical allowance if you're confined to your cabin
  • Cancelled excursions due to bad weather
  • Cancellations due to missed cruises
  • Lost, stolen or damaged formal cruise attire

Specialist seniors insurance providers are specifically set up to meet the needs of older travellers, so you may find the application process with these providers runs more smoothly than with other companies that insure people of all ages. However, remember that these brands have the same underwriters and the same terms and conditions as other travel insurance brands, so there will often be no real difference in the cover provided.

Unfortunately, yes. Many insurers add a loading to your premium based on your age bracket, so unfortunately living an active and healthy lifestyle won’t lower your premium.

We recommend that you buy cover as soon as you book your trip, as this way you can take advantage of trip cancellation cover from the moment you purchase your policy.

Yes. Most comprehensive travel insurance policies include car rental excess cover.

Yes. Cover is available for trip cancellation costs and non-refundable deposits in these circumstances.

How do I get covered?

If you're ready to compare seniors travel insurance policies from Australian insurance providers online, enter your travel details into the quote form above (no personal details are required until you're ready to buy!) Always remember to look through the conditions of each policy before submitting your application to ensure that you know exactly what is and isn’t covered.

Get free quotes from 20+ Australian brands

*The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the terms "Best" and "Top" are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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50 Responses

  1. Default Gravatar
    JohnOctober 20, 2017

    I have a condition called Primary Lateral Sclerosis (PLS) are there any Insurers who will not charge me extra if I use them? I don’t mean accept me but, charge me double the normal cost.

    • Staff
      JhezelynOctober 20, 2017Staff

      Hi John,

      Thank you for your comment.

      Sorry to hear that you have this kind of condition. Most of the insurers will see this as a pre-existing condition and a high-risk condition. Insurer will assess the nature of the condition and any current treatment you’re undergoing to determine whether or not to provide cover. Remember, each insurer has its own conditions for providing cover and will consider applications on a case by case basis.

      It is still worth comparing your travel insurance options to see what cover is available from different providers here. You may also check this page for travel insurance with pre-existing medical conditions. You just need to enter your trip details in the quote engine to compare the policies and prices from Australian brands. Once done, you’ll see the quotes from different insurance providers with the list of detailed benefits.

      Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Hope this helps.

      Regards,
      Jhezelyn

  2. Default Gravatar
    christineSeptember 12, 2017

    We are 2 fit 64 and 68 year olds who need insurance for a 14 day cycling tour in Japan .Our existing annual policy wants to charge us an extra $638 .This seems OTT . Any suggestions ?

    • Default Gravatar
      JonathanSeptember 12, 2017

      Hello Christine,

      Thank you for your inquiry.

      finder.com.au is a comparison service and can make general product recommendations. If you would like to compare the options available from the travel insurance for Japan, please enter your travel details into the quote comparison form located on this page.

      Please be advised that some insurers may allow you to have duo or family bundle which may include you and your partner in one policy, subject to terms. It is worth noting to review the Product Disclosure Statement as well as the relevant exclusions, as these are equally important as the cost of cover.

      Hope this helps.

      Cheers,
      Jonathan

  3. Default Gravatar
    NemJuly 4, 2017

    Female 76 and male 80 require travel insurance for a cruise Hawaii to Sydney Australia. 6 nights pre-cruise Honolulu. Male has pre-condition asthma. Female myasthenia gravis
    26 September 2017 to 20 October 2017.

    • Staff
      MayJuly 4, 2017Staff

      Hi Nem,

      Thank you for your inquiry.

      As the travellers have pre-existing conditions, they may be able to get cover from the insurance brands listed on this page. To get a quote, please enter their travel details into the panel from that page. You can also read through the page to get a guide on how travel insurance works for those who have pre-existing medical conditions and it’s also best to speak to the insurer about their specific conditions for further advice.

      Cheers,
      May

  4. Default Gravatar
    MichaelMarch 25, 2017

    I’m 70. In excellent health. I’m looking for an annual travel health plan to cover Usa and Europe. I’m happy to have to have a detailed health check first. I’m happy to have a very high deductible say of $5,000
    Any suggestions?

    • Staff
      ZubairMarch 27, 2017Staff

      Hi Michael,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      If you would like to compare annual trip policies from the travel insurance brands in our panel, please enter your travel details into the form.

      All the best,
      Zubair

  5. Default Gravatar
    RonaldMarch 21, 2017

    Need Hospital and Medical for two 77 and 71 year old both with COPD. To the USA from 21 May to 15/17 June

    • Staff
      ZubairMarch 27, 2017Staff

      Hi Ronald,

      Thank you for your question.

      finder.com.au is a comparison and information service and not an insurer.

      Unfortunately, we are not able to recommend a specific provider that will provide cover for your condition. You will need to disclose the pre-existing condition prior to purchase the cover.
      You may find our travel insurance for pre-existing conditions page helpful.

      However, there are two providers in our panel who state that they will consider:
      - InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis.
      - CoverMoreCoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

      Cheers,
      Zubair

  6. Default Gravatar
    AllanFebruary 20, 2017

    Would a multi-trip policy cover travel within Australia as well as overseas?

    • Staff
      ZubairFebruary 21, 2017Staff

      Hi Allan,

      Thank you for your question.

      Yes, you can get annual multi-trip cover within Australia as well for overseas. If you would like to compare annual multi-trip policies from the travel insurance brands in our panel, please use the travel insurance comparison form on the top of page.

      Cheers,
      Zubair

  7. Default Gravatar
    KayFebruary 16, 2017

    We are going on a cruise in 3 months time. On the day we booked our domestic airfares to and from the port we took out travel insurance, giving details of existing medical conditions, which were accepted. 8 days after booking, my spouse experienced twinges in the chest and next week has a scheduled angioplasty to put in a stent.

    Do we have to let the insurance company know, can they now reject the policy and if so, would we entitled to a refund?

    • Staff
      ZubairFebruary 17, 2017Staff

      Hi Kay,

      Thank you for your question.

      As the medical condition developed after you bought your insurance, it may not be considered a pre-existing condition.

      You may want to contact your insurer or consult the product disclosure statement to clarify the situation.

      Cheers,
      Zubair

  8. Default Gravatar
    ElizabethJanuary 27, 2017

    I just want to say my trip would be flight to Adelaide to join the Ghan to Darwin, then cruise to Perth and fly home and I did not know what to put on forms, I am a senior thank you

    • Staff
      RichardJanuary 30, 2017Staff

      Hi Elizabeth,

      Thanks for getting in touch. As long as the cruise is in Australian waters, you will only need to select Australia as the destination. However, many insurers recommend taking out international cover as there are various circumstances where you will not be able to claim for medical benefits while cruising. Please review our domestic cruise insurance article for more information.

      All the best,
      Richard

  9. Default Gravatar
    elizabethJanuary 9, 2017

    Does any insurance company cover people with pre existing conditions eg heart valve replacement, aneurysm repair & by pass

    • Default Gravatar
      JillMarch 22, 2017

      can you find a policy that covers age 85, preexisting Osteoporosis and Parkinsons?

    • Staff
      ZubairMarch 27, 2017Staff

      Hi Jil,

      Thank you for your question.

      Unfortunately, we are not able to recommend a specific provider that will provide cover for your condition. You will need to disclose the pre-existing condition prior to purchase the cover.
      You may find our travel insurance for pre-existing condition and travel insurance for multiple sclerosis pages helpful.

      However, there are two providers in our panel who state that they will consider:
      - InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis.
      - CoverMoreCoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.

      Cheers,
      Zubair

    • Staff
      RichardJanuary 10, 2017Staff

      Hi Elizabeth,

      Thanks for getting in touch. Whether or not you’ll be able to get cover with a pre-existing condition will vary both on the severity of the condition and the insurance brand. For more information, you may find our article on getting travel insurance with a pre-existing condition helpful.

      All the best,
      Richard

  10. Default Gravatar
    RobDecember 19, 2016

    Early 70s planning 14-21 day trip to Japan. Companies?

    • Staff
      RichardDecember 21, 2016Staff

      Hi Rob,

      Thanks for getting in touch. You can get quotes from the brands in our panel by entering your travel details into the quote engine above.

      All the best,
      Richard

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