Seniors Travel Insurance

Seniors Travel Insurance

Compare 20+ brands with policies for travellers over 65.

We want you to have the best trip possible and make sure you've got the right coverage should anything not go according to plan. An average of 60.5% of seniors travelling internationally** choose to keep their trip stress-free and get comprehensive travel insurance, but we understand that you may want to compare your options.

More than 59,000 seniors have compared insurance policies with us, including those with pre-existing conditions, looking for annual policies, going on a cruise and more.

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Comparing seniors travel insurance with Finder by the numbers

  • We’ve helped more than 59,000 seniors aged 65 years or older compare travel insurance policies.
  • Our oldest quote recipient was 105 years old and travelling to Japan, followed by a 103-year-old going to New Zealand.
  • The average trip length that seniors are searching for on finder is 31 days.
  • The most popular policies we’ve referred seniors to are comprehensive plans.
  • Seniors tend to choose Tick Travel Insurance more than any other brand.
  • 40% of seniors book just one or two weeks before departure, leaving any time between trip booking and policy purchasing at risk to unexpected events that could ruin their plans.


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How to find the best seniors travel insurance

While there is no "best" travel insurance policy, we recommend getting a policy that's more comprehensive, especially as you get older, and includes the following as part of your seniors travel insurance plan.

  • Unlimited medical assistance: For if something happens to you while you're away requiring you to go to local doctors or hospitals.
  • Unlimited cancellation: For if something happens to you or a family member before you leave requiring you to cancel your trip.
  • Coverage for delays: For if you require an additional night's hotel, for example, if you have change in your schedule.

Looking for the most comprehensive cover is easy when you use our search tool, thanks to the finder rating. Just enter your where you’re going, for how long and your age and we’ll sort out our top rated products. The higher the rating, the more comprehensive the policy.

We clearly label each policy with the finder rating right along with the inclusions with each policy (which you can see by clicking the "More info+" tab. Here's what you can expect to see.

*Note that the prices will change depending on where you're going, your age and how long. The prices, captured on 20 September 2018, on this screenshot are based on a 65-year-old traveller going to Bali for eight days.

Are there age limits for travel insurance?

No matter how old you are, you will be able to find travel insurance. However, as you get older your options for travel insurers does get a little smaller, which is why we’ve broken down who offers cover and to what age in the tabs below.

By the time you turn 65, most insurers will classify you as a senior. You'll usually have no problems finding cover unless you have a serious medical condition. Just be aware that you may need to answer some additional questions about your health before you can get 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 said goodbye to the workforce for good. Barring any health concerns, this makes you perfectly placed to pack your bags and head out to see the world.

The cost of cover will continue to rise some as you age, and you may start to see some pre-existing conditions being excluded from certain policies.

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.

Brand Standard age limit Good to know Get quote
1Cover seniors travel insurance 1Cover 79 If 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. Get quote
All clear seniors travel insurance AllClear No age limit There is no maximum age limit, and better still, AllClear considers all pre-existing medical conditions. That's right - they don't automatically exclude any medical issues you might have. Get quote
American express seniors travel insurance American Express 89 Cover is available to travellers under 89 years of age on the Comprehensive and Ultimate Single Trip policies. Get quote
Australia post seniors travel insurance Australia Post N/A The 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. Get quote
Boomers seniors travel insurance Boomers 74 Travellers 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. Get quote
Budget direct seniors travel insurance Budget Direct 100 Comprehensive 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. Get quote
Columbus direct seniors travel insurance Columbus Direct 84 If you wish to take out Columbus Direct travel insurance, you must be no more than 84 years old on the date of purchase. Get quote
Cover more seniors travel insurance Cover-More 84 Cover-More offers travel insurance for people up to 84 years of age. Get quote
Fast cover seniors travel insurance Fast Cover 89 Travellers 90 years and over are subject to various conditions, depending on the policy. Get quote
Insureandgo seniors travel insurance InsureandGo 100 This insurer covers people who are 100 years of age or under on the date of application for the Silver and Gold policies. In addition, it considers all pre-existing conditions. Get quote
No worries seniors travel insurance No Worries 84 Cover is available to travellers under the age of 85. Get quote
Online travel insurance seniors travel insurance Online Travel Insurance 74 People under the age of 74 can access Comprehensive, Domestic, Basic and Multi-Trip Plans. Get quote
Southern Cross seniors travel insurance Southern Cross No age limit Cover is available to travellers of all ages. Get quote
STA seniors travel insurance STA 74 Cover is available to travellers under the age of 74 with the Comprehensive, Standard and Cancellation & Luggage policies. Get quote
Tick seniors travel insurance Tick 100 Travellers 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. Get quote
TID seniors travel insurance Travel Insurance Direct 81 Travel 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. Get quote
Travel insurance saver seniors travel insurance Travel Insurance Saver 79 Travellers with pre-existing conditions and/or those over the age of 80 years will need to complete a Traveller's Medical Appraisal form. Get quote
Travel insuranz seniors travel insurance Travel Insuranz 70 Travel Insuranz offers travel insurance for people under the age of 70. Get quote
Virgin Money seniors travel insurance Virgin N/A There 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. Get quote
Webjet seniors travel insurance Webjet All ages Comprehensive, 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. Get quote
Worldcare seniors travel insurance Worldcare 85 Worldcare 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. Get quote
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What if I have pre-existing conditions?

You'll need to disclose any pre-existing conditions to your potential insurer during the application process, as this could affect whether or not you can get cover and the price of your premium. If you don't claim it at the beginning and something does happen while you're travelling, you may not be covered.

You can find out how insurers treat a bunch of common conditions by checking out their PDS, including information about:

  • Conditions an insurer will cover automatically. Some conditions are covered for no additional cost and you don't even need to declare it as long as you haven't had any major complications recently. These are generally minor, manageable conditions like cataracts, glaucoma, osteoporosis and high blood pressure. They'll usually list these somewhere obvious.
  • Policies that won't cover any pre-existing conditions past a certain age. A small number of policies won't not cover any pre-existing condition past a certain age (usually around 75) even if it's on the "automatically covered" list mentioned above. You can still be covered for all other medical and non-medical claims. Luckily there are plenty of other insurers who do not have a blanket age ban like this.
  • Policies with age limits on specific pre-existing conditions. Some policies will only cover common conditions until you reach a certain age. For example, some insurers only cover asthma until you turn 60. You can still be covered for all other medical and non-medical claims, including other pre-existing conditions that do not have age limits.

What's considered to be a pre-existing medical condition?

A pre-existing condition is an ongoing medical condition that you are aware of, even if you're only aware of the symptoms,. If you've been treated by a doctor, had surgery or taken medication for any conditions or symptoms in the six months leading up to your policy's start date, your insurer will say you were "aware" of the condition. You will be denied for claims related to this condition unless you've run it past your insurer first.

Which conditions are usually excluded?

There are some very serious medical conditions that are more challenging to cover, and many policies will exclude them outright (but still cover you for everything else), while others will decline your insurance application altogether.

It's not impossible to find cover for the following conditions, but they will make your search a bit more challenging:

  • It’s a terminal illness
  • It requires an organ transplant
  • Serious lung conditions (such as those that require oxygen therapy)
  • Kidney failure that requires dialysis
  • HIV or AIDS
  • Cancer
  • Dementia
  • You require a full-time carer
  • Serious heart conditions like congestive heart failure

You may also find that insurers may not explicitly say whether a medication is covered, so make sure you declare the condition you're taking it for rather than just the actual medication.

All Clear Travel Insurance specialise in medical travel insurance and cover many conditions not typically covered by other travel insurance brands including a range of cancer types at various stages and even terminal illnesses so long as you’ve got a prognosis of more than six months and a doctor has certified that you’re “fit” to travel.

Brands Product Product Details Apply
AllClear Travel Insurance Gold Plus Cover

$15,000,000 overseas medical expenses

$2,000,000 personal liability

Unlimited cancellation fee

$20,000 death cover

Get quoteMore info
AllClear Travel Insurance Gold Cover

$10,000,000 overseas medical expenses

$2,000,000 personal liability

12,000 cancellation fee

$20,000 death cover

Get quoteMore info

While not a specialist medical travel insurer, InsureandGo claim to consider all conditions. In either case, you can expect to complete a medical screening and if you’re approved, pay an additional premium for your condition.

How do I tell my insurer about my pre-existing medical condition?

Travel insurers handle pre-existing conditions every day, so don't fret. During the application process, you'll be asked if you have a pre-existing condition, and if they cover it, they'll tell you which policy you need, and how much it costs. Remember, even with a terminal illness, it's possible to find cover.

Here’s how to approach your insurer about a pre-existing condition (generally most of this is done online):

  • Be up-front. Tell them about any condition you have or think you may have. If you make a medical claim and it's not related to a condition you've told them about, they will investigate to find out if it was pre-existing or not. It doesn't even matter if it was officially diagnosed. If they can prove you've had symptoms in the past 6 months and knew about them, they'll consider it to be a pre-existing condition.
  • Take the assessment. If the insurer isn't sure how serious the condition is, they may want you to take an assessment before they can approve you. Sometimes this is as easy as answering a few questions online. In other cases, you may need to provide medical certificates and/or do a short physical.
  • Keep your options open. Each insurer has different rules for different pre-existing medical conditions. For example, some insurers will not cover you for stroke if you had one within the last two years, while others say five years. If one insurer doesn't want to cover you, there's a good chance that another one does.

How does travel insurance medical screening work?

When you declare a pre-existing condition, medical screening by the insurer can take several forms, depending on the nature of your condition. If it’s a relatively minor ailment, but not covered automatically, you may only need to answer a few simple questions online or over the phone.

If your condition is more serious, your insurer may require you to obtain a doctor’s report, undergo a medical examination or fill out a detailed medical assessment form. Critical information required in such a document can include:

  • Personal details such as height, weight, age and smoking status
  • General health questions such as how mobile you are and the amount of exercise you do
  • Medical information such as pre-existing conditions (including date of diagnosis and medications prescribed) and details of recent health treatment or hospitalisation, if any

Your insurer may also require you to have your doctor sign your assessment form before you submit it and to declare in writing whether you are considered to be fit to travel.

How much does annual seniors travel insurance cost compared to single policies?

The cost of seniors travel insurance varies from insurer to insurer. Factors that affect the price of your policy include your age, destination, policy type and the duration of cover.

For an example, we requested a quote from InsureandGo for a traveller who is after a worldwide policy for two weeks, starting from the age of 50, for the Gold policy. We used the same data to get a quote for an annual policy.

Can I get annual travel insurance if I have a pre-existing condition?

One of the possible drawbacks of annual multi-trip policies is that many insurers do not cover the same pre-existing medical conditions that they often do in single-trip policies, regardless of age. Some apply even greater restrictions for those aged 75 years and above.

Insurers may be reluctant to cover pre-existing medical conditions in their annual policies due to the additional risk. The likelihood of you suffering an illness or injury due to a pre-existing condition increases the longer you have cover and the more trips you take, so they may deem a 12-month period of unlimited trips to be an unacceptable risk when compared with providing cover for a single one-off trip.

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Does seniors travel insurance cover cruises?

Some travel insurance plans automatically cover cruise with their policies, while other companies offer cruise protection as an additional premium and may charge slightly more for the cover. We've highlighted which brands offer cruise cover on our cruise travel insurance page, many of which offer cover for seniors as well.

On-board treatment and medical evacuations at sea are two of the most costly and, unfortunately, most claimed expenses. If you don't have the right cruise cover they could end up costing you your life savings.

What does cruise travel insurance for seniors cover?

A typical policy will also protect you from trip cancellations, baggage losses, additional expenses, hire car excess and personal liability, and special cruise travel insurance for seniors offers additional benefits such as:

  • Medical treatment and/or evacuation at sea
  • Cruise cancellation or curtailment due to bad weather or engine trouble
  • Cruise cancellation due to illness, injury or emergency at home
  • Missed departure due to circumstances beyond your control and transportation costs to your first port of call
  • Cabin confinement due to illness during the cruise

Due to the variety of risks senior travellers are exposed to and their increased risk of making a claim, travel insurance is important to have, especially if you’re going on a cruise.

What doesn't cruise travel insurance cover?

Like all insurance policies, there are some circumstances in which a travel insurance claim will not be paid. Exclusions relating specifically to cruise travel policies can include:

  • Claims while your cruise ship is docked in an Australian port
  • Medical claims while you are cruising in Australian waters between two Australian ports (normally covered by Medicare, provided there is a Medicare-approved doctor onboard)
  • Changes to the cruise itinerary
  • Cruise cancellation due to inclement weather – only severe weather conditions are covered (cyclones, storms)

General exclusions that apply to all types of cruise travel insurance for seniors include:

  • Reckless behaviour or being under the influence of alcohol or non-prescription drugs
  • Travelling to countries where travel warnings have been issued by the Department of Foreign Affairs and Trade (DFAT)
  • Participating in adventure activities or extreme sports not covered under your policy
  • Pre-existing medical conditions, unless they are covered automatically or the insurer has agreed to provide cover in writing
  • Loss or theft of luggage and personal items due to your own personal negligence, such as leaving your bags unattended
  • Acts of civil unrest, war or terrorism

What risks do cruise travellers face that normal travellers don't?

Cruise travellers are exposed to a number of risks that don’t apply to regular travellers.

  • No Medicare cover in Australia waters. As soon as the ship sets sail for a foreign port, even though it might still be in Australian waters, Medicare is generally not available to cruise passengers. Medical treatment in a ship’s sick bay could cost up to $5,000 a day, so not having cruise cover could quickly become an expensive nightmare.
  • Medivac is prohibitively expensive. If you have to be evacuated to the nearest land-based hospital, Medivac fees can be horrendously expensive, and accommodation fees in a foreign hospital often require an upfront guarantee of payment. It’s hard to imagine not having cruise cover in these situations. Let’s not forget, as a senior, this is statistically more likely to happen to you.
  • Cost of a ticket. Cruises are also typically more expensive than airfares, so you’re going to be out of pocket far more than someone who has booked an airline flight if you’re forced to cancel your prepaid cruise. It’s yet another good reason to make sure you have cruise cover.
  • Viral outbreaks. Another risk specific to cruises is the threat of epidemic. The media has been full of stories about cruise liners that have been forced to quarantine hundreds of passengers after outbreaks of gastroenteritis. While a daily allowance (usually up to $100) for being confined to your cabin doesn’t make up for a spoiled holiday, it will at least compensate you for your loss.

Is cruise travel insurance worth it?

In a nutshell, the answer to this question is ‘yes’. Cruise insurance claims can be astronomical, and the cost of insurance is worth the peace of mind. Cruise-specific policies can provide invaluable benefits such as:

  • Unlimited emergency medical treatment, hospitalisation and evacuation at sea
  • Unlimited cancellation fees and lost deposits
  • Missed cruise departure cover up to $50,000
  • Missed port connections benefit covering additional accommodation and travel expenses to re-join your cruise
  • Personal belongings and lost luggage cover up to $8,000
  • Missed or cancelled prepaid excursions cover up to $2,500
  • Cabin confinement cover up to $2,500
  • Emergency benefit if your formal attire is lost, stolen or damaged during your trip

While cruise cover is also available through many cruise companies, it’s often more restrictive in what it covers and benefit limits can be lower. For example, rather than a cash payout, tokens for future travel may be issued as compensation for cancellations and delays.

Can I get cruise travel insurance for pre-existing medical conditions?

As with all travel insurance, cover for pre-existing medical conditions will depend on the type of condition you have, how old you are (some conditions have age limitations), how severe your condition is and whether it’s being successfully controlled by medication or other means.

All insurers have a list of conditions they will cover automatically. If your condition is not listed in the product disclosure statement (PDS), you may need to undergo a medical assessment and pay a higher premium to obtain cover.

There are also some conditions that insurers will not cover under any circumstances, such as cancers and terminal illnesses. If you fall into this category, you may have to consider purchasing cruise travel insurance for seniors that excludes cover for your pre-existing medical condition.

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How much does it cost?

Cover does get more expensive as you get older it doesn’t always to break the bank, with cover starting from as little as $4 per day.

We got this rate when we quoted a single 65 year old going to Bali for one week, with no preexisting conditions. (Quote ref: 2C7BE01A)

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

  • Your age. As a general rule, the older you are, the more you’ll have to pay for a policy.
  • 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, but it also covers a lot more.
  • Any discounts that apply. Many insurers offer discounted cover to seniors. 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.

FastCoverTick Travel Insurance
DestinationBaliBali
PolicyFast Cover BasicsBasic
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$46.90$34.34
Get quoteGet quote
Online Travel InsuranceZoom Travel Insurance
DestinationBaliBali
PolicyBasicMedical Only
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$51.34$55.37
Get quoteGet quote

*Prices shown are accurate as of 14 September 2018 and are only to be used as a guide. Rates are subject to change based on your personal details. For the most accurate pricing, use the engine at the top of this page.

FastCoverOnline Travel Insurance
DestinationBaliBali
PolicyFast Cover BasicsBasic
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$69.90$75.93
Get quoteGet quote
Tick Travel InsuranceZoom Travel Insurance
DestinationBaliBali
PolicyBudgetMedical Only
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$55.41$106.79
Get quoteGet quote

*Prices shown are accurate as of 14 September 2018 and are only to be used as a guide. Rates are subject to change based on your personal details. For the most accurate pricing, use the engine at the top of this page.

FastCoverAmerican Express
DestinationBaliBali
PolicyFast Cover BasicsEssential
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$107.90$151.50
Get quoteGet quote
Zoom Travel InsuranceTick Travel Insurance
DestinationBaliBali
PolicyMedical OnlyBudget
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$160.18$76.51
Get quoteGet quote

*Prices shown are accurate as of 14 September 2018 and are only to be used as a guide. Rates are subject to change based on your personal details. For the most accurate pricing, use the engine at the top of this page.

Tick Travel Insurance1Cover
DestinationBaliBali
PolicyStandardComprehensive
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$251.33$267.19
Get quoteGet quote
Fast CoverZoom Travel Insurance
DestinationBaliBali
PolicyFast Cover BasicsComprehensive
Length of trip14 days14 days
Overseas emergency medical assistanceUnlimitedUnlimited
Total cost of cover$159.90$260.45
Get quoteGet quote

*Prices shown are accurate as of 14 September 2018 for an 81-year-old traveller and are only to be used as a guide. Rates are subject to change based on your personal details. For the most accurate pricing, use the engine at the top of this page.

Cheapest seniors travel insurance

If price is a concern, you can filter the results from lowest to most expensive using the finder.com.au search tool.

However, while the cheapest policy may save you in the short term, it might end up costing you more in the long term if you need to make a claim.

If finding a cheap policy is important to you, make sure it provides you with at least a high level of cover for overseas medical and some cover for the other items outlined in the best section.

You can also use the finder rating as a guide to how comprehensive a policy is when trying to decide on which policy is right for you.

Travel insurance discounts to help you save

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

Tick Travel Insurance Tick Travel Insurance
Exclusive

Get 10% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 10% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

Last verified

Travel Insurance Saver Travel Insurance Saver

Get up to 30% discount on travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

Last verified

Easy Travel Insurance Easy Travel Insurance

Up to 35% off travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

Last verified

YouGo Travel Insurance Deals YouGo Travel Insurance Deals
Exclusive

Save 10% on YouGo travel insurance

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

Last verified

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Travel tips and FAQs

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

  • Check in 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.
  • Ask about changes to your 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. Diabetics should check to see if they need to adjust their insulin dosage to account for different time zones.
  • Bring 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.
  • Be careful buying medication overseas. Be wary of buying prescription medication in foreign countries. The strength of those medications and the recommended dosages may be different to what you are usually prescribed. Whenever possible, make sure you have enough medication to cover the entire trip duration plus a bit extra in the case of unexpected delays.
  • Avoid deep vein thrombosis (DVT). Prevent DVT and its potentially life-threatening complications when flying by strolling up and down the airplane 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. Avoid pushing yourself too hard and occasionally give yourself some time to relax.
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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.
Icons made by Dimitry Miroliubov, Freepik, Smashicons, Nhor Phai from www.flaticon.com is licensed by CC 3.0 BY

**Based on the CoreData - Senior Travel Survey (December 2016)

Pictures: Shutterstock and Unsplash

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54 Responses

  1. Default Gravatar
    JanAugust 15, 2018

    I am travelling 10/11/2019 to 25/11/2019 to South America and Antarctica. Why can I not get quotes for these dates?

    • finder Customer Care
      JhezelynAugust 16, 2018Staff

      Hello Jan,

      Thank you for your comment.

      You can get a quote from our quote engine within dates that are a year from the date of use. This is the reason why the dates above are not showing. You may directly get in touch with the insurer and see if they can give you a quote on those dates.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    LynFebruary 7, 2018

    We are going on a cruise from Rome round trip to Rome then staying a week in one do I select the cruise policy or one trip policy, also is our mobility scooter covered?

    • finder Customer Care
      AshFebruary 18, 2018Staff

      Hi Lyn,

      Thank you for reaching out to us.

      For your cruise, you should be okay with Single Trip. You can check our Cruise Travel insurance page and enter your travel details into our panel then click on ‘Get quote now’ button to compare your options.

      Depending on the brand and level of cover you’ll take, you may or may not get cover for scooter. You must confirm this with the insurer to be sure.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.

      Cheers,
      Ash

  3. 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.

    • finder Customer Care
      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

  4. 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

  5. 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.

    • finder Customer Care
      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

  6. 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?

    • finder Customer Care
      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

  7. 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

    • finder Customer Care
      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

  8. Default Gravatar
    AllanFebruary 20, 2017

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

    • finder Customer Care
      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

  9. 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?

    • finder Customer Care
      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

  10. 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

    • finder Customer Care
      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

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