Looking for the best travel insurance for seniors?

We can help you compare 20+ brands that cover travellers over 65.

Old man

Seniors travel insurance can help protect your trip from unexpected expenses that come from overseas medical assistance, cancellations and so much more. All ages can get cover since some brands don't have an age limit at all.

As a senior, you may also be interested in cover for pre-existing medical conditions, cruises and domestic travel. Comparing is easy with our quoting tool - enter your details below and choose the best policy for you.

Compare travel insurance for seniors from $2.50/day

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Best seniors travel insurance on Finder

While there's no best policy that fits everybody, we've based this selection on the most popular brands that seniors visit from this site. Learn about their conditions for seniors and get a quote if you think they have the right policy for you.

Name Overseas Hospital Seniors travel insurance included benefits Apply


Picture not described1 cover travel insurance logo


  • No age limit
  • Automatic cover for up to 35 pre-existing medical conditions
  • Medical assessment available online but some conditions may be excluded
  • 80+ travellers can get cover for up to six months
Get quote


Budget Direct

  • Cruise cover automatically included in international policies
  • Limited cover for pre-existing medical conditions
  • Other policies available: domestic
  • Age limit: up to 100 years
Get quote



  • Winter sports cover available for those up tp 100 years old
  • All pre-existing medical conditions are considered with an online medical assessment
  • Other policies available: standard
  • Age limit: up to 100 years
Get quote

Gold Plus


  • No age limit
  • Specialty travel insurance for medical conditions, all conditions are considered through an online medical assessment
  • Annual multi trip policy available for all ages
  • Maximum trip duration for all ages is 92 days
  • Other policies available: gold
Get quote

*Table last updated: August 2019

How your age affects travel insurance

There's not much of a difference when it comes to travel insurance for those over 50, but we did find the following;

  • Diabetes Melitus (Type 1 and 2) is no longer automatically covered by some insurers if you're over 50
  • A slight increase in premiums

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 Covermore 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 premium starts to become noticeable.

We researched a few policies and found a few restrictions and exclusions for travellers over 65;

  • You may no longer be eligible to purchase annual/ frequent traveller policies with some brands. Here are a couple of brands that will still offer annual/ frequent traveller policies for travellers over 65:
Brand/Policy type Conditions Apply
Budget Direct Annual Multi-trip

Budget Direct

For trips up to 30 days, comprehensive cover for travellers under 75 years of age. Get quote
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 however the maximum trip duration may be restricted depending on your age. Get quote
  • You may be restricted in getting cover for Winter sports, excluded by brands like 1Cover. Here are a couple of brands that may still offer cover for Winter sports if you're over 65:
Brand/Policy type Conditions Apply
InsureandGo + Winter Sports cover


This includes cover for medical attention on the slopes, equipment and other prepaid expenses. InsureandGo have this option available to those up to 100 years of age. Get quote
Travel with Kit + Snow Pack

Travel with Kit

Cover for your winter sport activities and related expenses. Travel with Kit offers this add-on to anyone up to the age of 99. Get quote
  • You may notice that insurers will only cover you for trips up to 90 days. You can still search on our comparison tool and you'll see the brands who still offer more long term cover.
  • Some benefits might be lessened.

According to our research, travel insurance doesn't change so much in your 70's except;

  • The price of your premium may increase
  • Some inclusions may decrease

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;

  • Some insurers will require you to take out comprehensive cover (which is never a bad idea no matter what age you are), which means that essential or basic policies are no longer an option. Don't worry, this won't make your search harder. Simply add your details into our search tool and only your eligible policies will appear.
  • You may also find that there are age limits to some of the optional add-ons to your policy such as adventure and motorcycle packs.

There are still plenty of brands that insure travellers over 80, we even have insurers who can cover those over 100 years of age. Obviously, extra premiums will be payable and you'll need to pay close attention to disclose any pre-existing medical conditions for cover. Here are some other considerations;

  • Some insurers may charge an increased excess for medical related claims
  • Limits for cover of accidental death and cancellations may not be included or reduced

Start looking for the best travel insurance for you

What is seniors travel insurance?

Travel insurance for seniors include benefits that are more relevant to those 65 and over. This includes;

Cover for pre-existing medical conditions
Increased age limits
Free cover for your grandkids if they are travelling with you

While seniors travel insurance isn't a specific type of policy, some policies have features that are more helpful for seniors.

Watch: What you need to know about travel insurance for seniors

How have other seniors used Finder?


We've helped more than 59,000 seniors aged 65 years or older compare travel insurance policies.


The most popular choice of policy for seniors are comprehensive plans.


Seniors tend to choose 1Cover more than any other brand, but we work with more than 20 if you want to compare options.


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.

Travel insurance for seniors with pre-existing conditions

If you're 60 years or older and you have one or more pre-existing conditions, finding suitable travel insurance can be something of a challenge. The good news is that it's still possible to find cover, but there are a few key points you should be aware of when searching for the right policy:

  • Cover costs more for seniors. Unfortunately, the risk of illness and injury is higher as you age, so the cost of cover also increases as you grow older. Once you reach 60 years of age, many insurers will start applying an age loading to your policy.
  • Fewer pre-existing conditions covered. Some pre-existing conditions that are automatically covered for younger travellers may not be covered for travellers 60 years or older. For example, some insurers won't cover seniors for claims that arise due to asthma.
  • Terms and conditions differ between insurers. Different insurers impose different restrictions and exclusions on cover for seniors with pre-existing conditions. For example, if you've previously suffered a stroke, some insurers will not cover you if you've had any incidents in the past five years, while others only require you to not have had any incidents in the past two years.
  • Age limits apply. Insurers impose maximum age limits on their policies, so you'll need to check the fine print to make sure you're eligible for cover. While some providers set this limit as low as 65 years of age, others will cover you up to 100 years or even older.
  • Disclose everything. Don't be tempted to save on the cost of cover by withholding information from your insurer. Disclose all the details of your pre-existing conditions when you apply for a policy.

What if I have pre-existing medical conditions?

Here are some brands that will consider all pre-existing medical conditions through an online medical assessment.

Brands Age limit Policy type Maximum trip duration Apply


No age limit
  • Gold Plus
  • Gold
Up to 92 days Get quote
Insureandgo logo


100 years of age
  • Gold
  • Silver
Up to 90 days Get quote
Picture not described


100 years of age
  • Top
  • Standard
Up to 90 days Get quote

Maximum trip duration is determined by your specific age and destination

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
  • 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.

Travel insurance and pre-existing conditions

Can I get seniors travel insurance for cruises?

Cruising is Cruise ship a very popular way for seniors to travel, but 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. 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.

Find out more about cruise travel insurance

Can seniors get annual travel insurance?

Yes, however available policies will vary depending on your age, and it can be hard to find a policy for those 85 and older.

Annual multi-trip policies are a good idea for those who travel at least 2-3 times a year. Not only is it convenient, but it's also a good way to save some money as well. Finding a suitable annual multi-trip policy is easy, simply fill out your details

Find out more about annual travel insurance

Cheapest travel insurance for seniors

While we all love a bargain, Price tag 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.

Cover does get more expensive as you get older but it doesn't always have to break the bank, with cover starting from as little as $2.50 a day. Here are some ways to save;

  • Consider a specialist insurer. Some insurance providers specialise in offering cover to senior travellers. With features and benefits designed to suit older Australians, these insurers may be able to offer affordable policies to suit you.
  • Travel sooner. Once you reach the age of 60, the older you get, the more your travel insurance premiums will cost. This is merely a reflection of the increased risk of injury and illness for older travellers, so travelling sooner rather than later can help you save money.
  • Free cover for dependants. If you're planning on travelling with your grandkids, it could be worth searching for a policy that provides free cover for your dependants up to a certain age, usually between 18-21.
  • Research and compare. No matter how old you are, the most important thing you can do when choosing travel insurance is to compare multiple policies. Look at the features, exclusions, limits and cost of a range of policies to decide which one is right for you.
  • Use discounts and coupons. Some insurers will offer you a discount if you hold multiple policies with the same provider (e.g. car insurance, home and contents insurance, etc). You can also take advantage of online discounts to save some extra money.

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, see the screenshot below. By clicking on this button, your policy options can be sorted from cheapest to most expensive.

Sorting cheapest

Start looking for cheap seniors travel insurance

Here are some coupons to use

InsureandGo InsureandGo

10% off travel insurance

Use this coupon code to save 10% on your travel insurance.

Last verified

Further reading:

Compare seniors travel insurance today


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61 Responses

  1. Default Gravatar
    PeteFebruary 26, 2019

    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.

    • Avatarfinder Customer Care
      JeniMarch 1, 2019Staff

      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!


  2. Default Gravatar
    BelindaDecember 17, 2018

    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

    • Avatarfinder Customer Care
      JohnDecember 19, 2018Staff

      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!


  3. Default Gravatar
    janNovember 9, 2018

    Cost of travel insurance for 18 days cruising around Australia only.

    • Avatarfinder Customer Care
      JeniNovember 9, 2018Staff

      Hi Jan,

      Thank you for getting in touch with finder.

      On this page, when you click on Cruise Cover tab under “What can I find on this page?” you may read more on seniors travel insurance cover cruises. Some insurers offer cover for seniors on this cruise travel insurance page. On that page, kindly 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 enquiries.

      Thank you and have a wonderful day!


  4. 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?

    • Avatarfinder Customer Care
      JhezAugust 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.


  5. 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?

    • Default Gravatar
      Ash MunozFebruary 18, 2018

      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.


  6. 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.

    • Avatarfinder Customer Care
      JhezOctober 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.


  7. 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.


  8. 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.

    • Avatarfinder 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.


  9. 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?

    • Avatarfinder 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,

  10. 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

    • Avatarfinder 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.


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