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Seniors travel insurance is similar to a regular policy but includes benefits more suited to older travellers. For example, it can offer more cover for some medical treatment, cruise cover and specialist equipment such as hearing aids (but do check for single item limits).
Travel insurance for seniors often includes increased age limits as well as:
This is in addition to the important covers that come with standard travel insurance, such as trip cancellation cover; theft, loss or damage to your luggage and personal items; legal liability cover.
A pre-existing condition is essentially an ongoing medical condition that you are aware of. Here are some brands that consider all pre-existing medical conditions, typically through an online assessment:
| Brands | Age limit | Policy type | Maximum trip duration* | Apply |
|---|---|---|---|---|
 | 100 years of age |
| Up to 90 days | Get quote |
 | No age limit |
| Up to 45 days | Get quote |
 | Cover for all ages |
| Up to 92 days | More info |
 | 100 years of age |
| Up to 90 days | Get quote |
*Maximum trip duration is determined by your specific age and destination
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Searching through a lot of different policies can be hard. We let you compare policies side-by-side, taking the hard work out of it.
Here are a few key points you should be aware of when searching for the right policy for seniors:
Travel insurance and pre-existing conditions
From researching different brands, we have found a few ways that travel insurance changes based on your age. Major differences include reduced cover limits, reduced trip durations and less cover for pre-existing medical conditions.
There's not much of a difference when it comes to travel insurance for those over 50, but we did find the following:
While travel insurance premiums increase as you get older, you will also notice that some insurers may start to exclude cover for more pre-existing conditions than if you were travelling in your 50s.
After looking at a few policies, we noticed that a few insurers such as Budget Direct, 1Cover, Fast Cover, Travel with Kit and Cover-More have exclusions for cover of asthma if you are over 60 years old.
After you turn 65, insurers start to get a bit picky with their inclusions and policies. This is when a price difference in premiums starts to become noticeable.
We researched a few policies and found a few restrictions and exclusions for travellers over 65.
| Brand/Policy type | Conditions | Apply |
|---|---|---|
Budget Direct Annual Multi-trip | For trips up to 30 days, comprehensive cover for travellers under 75 years of age. | |
InsureandGo Annual Multi-trip | For trips up to 30, 45 or 60 days at a time. Cover is available for those up to 100 years of age, but the maximum trip duration may be restricted depending on your age. | Get quote |
| Brand/Policy type | Conditions | Apply |
|---|---|---|
| InsureandGo + Winter Sports cover | This includes cover for medical attention on the slopes, equipment and other prepaid expenses. InsureandGo has this option available to those up to 100 years of age. | Get quote |
Travel with Kit + Snow Pack  | Cover for your winter sport activities and related expenses. Travel with Kit offers this add-on to anyone up to the age of 99. |
According to our research, travel insurance doesn't change so much in your 70s except for the following:
Here are some considerations if you're 75 and over while travelling. As we age, we become more at risk of health-related issues and injuries. Because of this added risk to insurers, premiums can increase. Along with increased premiums, be mindful of the following:
There are still plenty of brands that insure travellers over 80. Some insurers can cover those over 100 years of age. Obviously, extra premiums will be payable, and you'll need to pay close attention to make sure you disclose any pre-existing medical conditions for cover. Here are some other considerations:
Start looking for the best travel insurance for you
Travelling in Australia is hugely popular for seniors. For most insurers, you can take out a domestic policy if you're travelling at least 250km away from home.
Since medical cover is not included in domestic travel insurance, it's easier for seniors to qualify for this type of policy. Handy benefits for seniors when travelling within Australia include the following:
Yes, most seniors 
are mainly concerned with on-board medical cover and emergency evacuation, which is automatically included in a lot of travel insurance policies. Always check directly with your chosen insurer for specific details. If you need to declare that you're going on a cruise, you will be able to do so during the online application process.
If you prefer to have the most comprehensive cover for peace of mind, many insurers offer add-on cruise packs that can provide cover for the following:
Yes, as a senior, when you're looking for annual multi-trip travel insurance, it's good to know the following:
It can be a bit harder for those over 75, but it's still possible. Here are a couple of brands that have higher age limits for annual multi-trip policies.
| Policy type/ Brand | Maximum age | Maximum trip duration | Apply |
|---|---|---|---|
Gold Annual Multi-Trip  | Up to 100 years | 30 days | Get quote |
Gold + Gold Plus  | All ages | 31 days | More info |
| Annual Multi-Trip | All ages | 45 days | More info |
Find out more about annual travel insurance
While we all love a bargain, 
finding the cheapest travel insurance might not be the best option as a senior. You might find that you're saving money today, but you need to consider exactly how much coverage you will have when you travel. Here are some ways to save:
Our comparison tool can also help you find a cheap policy. After you add your details and search for a quote, you'll have the option to sort through the results by price.
Made a search before? Retrieve your search results
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What is seniors travel insurance and why do I have to pay more than someone younger? What are pre-existing medical conditions and why won’t many insurers cover them? Find out the answers to these and other questions in this handy guide to travel insurance for over 65s.
Hi Im trying to get my policy no , so I can clam my insurance for cancelled trip
Thanks Roy
Hi Roy,
I’m sorry to learn that your trip was canceled. I can understand how disappointing this must be.
You can find your insurance policy number by checking your policy document/contract. And if you have online access to your account, you can also go to your policy provider’s website and log in to your account to know your policy number.
I hope this helps,
Regards,
James
Hi S,
Thanks for getting in touch!
The one insured in the policy is the only person who is covered in the policy. The guardian/family member would need to have one and separate travel insurance.
You will find an online form on the page that will ask you to enter details of the trip. Enter all the information needed and click the ‘Get my quote’ button. This will lead you to another page that shows the insurers (according to your info) that may cover you.
You can find other filters on the left part of the page. You can compare the insurers by medical, cancellation, and excess cover, and price. To choose an insurer, simply click the ‘Go to site’ button to be redirected to their official website. Know that this is the stage to start your application.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps and feel free to reach out to us again for further assistance.
Safe travels,
Nikki
Looking for the cheapest travel insurance to cover us for delay or cancellation or accident which may prevent us from completing the journey as per schedule. We are leaving from Gladstone and sailing out to Heron Island. Medical cover is not required as we are staying on Oz territory.
Hi Pete,
Thank you for getting in touch with Finder.
You’re currently at the right page. Kindly enter your details in the table like the date and destinations as well as the age of traveller/s then click on the get quote button to start comparing your options. Once the page has updated its info, at the left side of the page you may click on your needs under Required cover options and Specific cover types – for cruise cover. Once you have chosen the cheapest insurer, please click on the green go to site button or get quote button to be redirected to the insurer’s official page to learn more on their products or start your online application.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I would like a quote please for travel insurance cover for two of us. We are both 61; my husband, Warren, is still working. He has a National Seniors card and I have a Victorian Seniors card. We are doing a fully escorted tour of NZ, which includes flights there and back, of course, coach, rail and cruise tours [lakes and rivers]. Our travel dates from Melbourne are Tuesday 17th September, returning to Melbourne on Tuesday 8th October, 2019.
Thanks from Belinda Smeal
Hi Belinda,
Thank you for reaching out to finder.
In getting a quote for travel insurance, we are on the right page. You just need to complete the details required via the form provided on this page and click on the green “Get my quote” button to see a panel of lenders that you could reach out to in taking out a travel insurance. Hope this helps!
Cheers,
Reggie
Cost of travel insurance for 18 days cruising around Australia only.
Hi Jan,
Thank you for getting in touch with Finder.
On this page, you may read more on senior’s travel insurance cover cruises. Some insurers offer cover for seniors from our list of cruise travel insurance page. You can use the table to compare brands side-by-side. You can also use cruise travel insurance form. Simply input your details on the table then click on the “Get my quote” button to see and compare your options. If you have further enquiries on your cruise travel insurance, it is best to contact your chosen insurers as they more accurate info to answer your travel insurance queries.
I hope this helps.
Please feel free to reach out to us if you have any other inquiries.
Thank you and have a wonderful day!
Cheers,
Jeni