Over 65? Easily compare travel insurance policies for you.
No matter your age or pre-existing conditions, you can still get travel insurance for a worry-free holiday. Join over 59,000* pensioners who have found travel insurance on Finder. Start by telling us about your trip.
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Popular Destinations
- Americas
- Asia
- Europe
- Pacific
- Africa
*Survey of Australians' Travel Insurance Behaviour by Smartraveller (June 2017)
Why compare seniors travel insurance with Finder?
- 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 most popular policies we’ve referred seniors to are comprehensive plans.
- Seniors tend to choose Tick Travel Insurance 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.
Here's how to find the best seniors travel insurance
We recommend getting a policy that offers comprehensive coverage and includes the following as part of your travel insurance plan when you're elderly.
- 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 the destination 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.
Age limits for pensioners 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 need travel insurance for over 65s, most insurers will classify you as a senior, however you'll likely not have issues finding cover unless you have a serious medical condition and you may need to answer some additional questions about your health.
Now that you’re in your 70s, the cost of cover will continue to rise and you may start to see some more pre-existing conditions being excluded from certain policies. And remember that you may need to submit a medical declaration before you’ll be approved for cover.
By the time you need travel insurance for over 75s, it'll likely mean 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.
Once you require travel insurance over the age of 80, your options of providers do become more limited - but there still are a host of companies out there that will consider you for a premium.
Although you're above the maximum age limit for many insurers, 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 | Get quote | |
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1Cover | 74 | Get quote |
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AllClear | No age limit | Get quote |
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American Express | 89 | Get quote |
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Australia Post | 84 | Get quote |
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Boomers | 74 | Get quote |
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Budget Direct | 100 | Get quote |
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Columbus Direct | 84 | Get quote |
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Cover-More | 84 | Get quote |
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Fast Cover | 89 | Get quote |
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InsureandGo | 100 | Get quote |
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Medibank Travel Insurance | Not stated on the PDS | Get quote |
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Online Travel Insurance | 74 | Get quote |
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RACV Travel Insurance | 110 | Get Quote |
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Tick | 100 | Get quote |
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Travel Insurance Direct | 81 | Get quote |
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Travel Insurance Saver | 79 | Get quote |
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Travel Insuranz | 70 | Get quote |
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Virgin | 120 | Get quote |
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Webjet | No age limit | Get quote |
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Worldcare | 85 | Get quote |
Can I get seniors travel insurance if I have pre-existing conditions?
If you want your pre-existing conditions to be covered in your policy, you'll need to disclose them 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.
When it comes to pre-existing conditions for pensioners travel insurance, there are a few important things to remember:
- Some conditions are automatically covered.
- Certain conditions that are covered have an age limit (For example, they may only cover asthma if you're younger than 70)
- You can choose not to get covered for your condition if you don't want to pay a premium (Just remember that it's not going to be covered if something happens!)
Which conditions are usually excluded for the elderly?
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.
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.
Can seniors get annual travel insurance?
Yes, however the policies may change slightly depending on your age - including an upper age limit with most brands. Refer to the table on our annual multi-trip travel insurance page for a list of our partner brands and the conditions for trip length and age.
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.
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.
Back to topDoes seniors travel insurance cover cruises?
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.
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.
Compare cruise-specific travel insurance now
Back to topHow much does travel insurance for the elderly 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 travel insurance policy for elderly people, 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.
FastCover | Tick Travel Insurance | |
---|---|---|
Destination | Bali | Bali |
Policy | Fast Cover Basics | Basic |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $46.90 | $34.34 |
Get quote | Get quote | |
Online Travel Insurance | Zoom Travel Insurance | |
Destination | Bali | Bali |
Policy | Basic | Medical Only |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $51.34 | $55.37 |
Get quote | Get 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.
FastCover | Online Travel Insurance | |
---|---|---|
Destination | Bali | Bali |
Policy | Fast Cover Basics | Basic |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $69.90 | $75.93 |
Get quote | Get quote | |
Tick Travel Insurance | Zoom Travel Insurance | |
Destination | Bali | Bali |
Policy | Budget | Medical Only |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $55.41 | $106.79 |
Get quote | Get 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.
FastCover | American Express | |
---|---|---|
Destination | Bali | Bali |
Policy | Fast Cover Basics | Essential |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $107.90 | $151.50 |
Get quote | Get quote | |
Zoom Travel Insurance | Tick Travel Insurance | |
Destination | Bali | Bali |
Policy | Medical Only | Budget |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $160.18 | $76.51 |
Get quote | Get 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 Insurance | 1Cover | |
---|---|---|
Destination | Bali | Bali |
Policy | Standard | Comprehensive |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $251.33 | $267.19 |
Get quote | Get quote | |
Fast Cover | Zoom Travel Insurance | |
Destination | Bali | Bali |
Policy | Fast Cover Basics | Comprehensive |
Length of trip | 14 days | 14 days |
Overseas emergency medical assistance | Unlimited | Unlimited |
Total cost of cover | $159.90 | $260.45 |
Get quote | Get 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.
Seniors travel insurance discount codes
Last checked | Code description | Code |
---|---|---|
5 Feb 2019 | Get 5% off all Tick travel insurance policies | fin**** |
5 Feb 2019 | 15% off travel insurance + chance to win $10,000 | SAV**** |
5 Feb 2019 | Get 5% off travel insurance with Fast Cover | COU**** |
5 Feb 2019 | Save 10% on YouGo travel insurance | YOU**** |
5 Feb 2019 | 15% off travel insurance + chance to win $1000 gift card | ******** |
Seniors Travel FAQs
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
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, 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!
Cheers,
Jeni
I am travelling 10/11/2019 to 25/11/2019 to South America and Antarctica. Why can I not get quotes for these dates?
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
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?
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
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.
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
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 ?
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
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.
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
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?
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
Need Hospital and Medical for two 77 and 71 year old both with COPD. To the USA from 21 May to 15/17 June
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
Would a multi-trip policy cover travel within Australia as well as overseas?
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