Seniors travel insurance

Seniors Travel Insurance

Simply compare travel insurance policies for people over 65 from 20+ brands.

No matter your age or pre-existing conditions, you can still get travel insurance as a senior for worry-free holidays - in fact 91% of all travellers choose to get covered by travel insurance when they're away from home.

We've helped more than 59,000 pensioners, who have been up to 105 years old, find travel insurance policies from more than 20 brands, including ones from companies specialising in pre-existing conditions, and for seniors travelling on cruises.

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*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.

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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 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.

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
1Cover seniors travel insurance 1Cover 79 Get quote
All clear seniors travel insurance AllClear No age limit Get quote
American express seniors travel insurance American Express 89 Get quote
Australia post seniors travel insurance Australia Post 84 Get quote
Boomers seniors travel insurance Boomers 74 Get quote
Budget direct seniors travel insurance Budget Direct 100 Get quote
Columbus direct seniors travel insurance Columbus Direct 84 Get quote
Cover more seniors travel insurance Cover-More 84 Get quote
Fast cover seniors travel insurance Fast Cover 89 Get quote
Insureandgo seniors travel insurance InsureandGo 100 Get quote
No worries seniors travel insurance No Worries 84 Get quote
Online travel insurance seniors travel insurance Online Travel Insurance 74 Get quote
Southern Cross seniors travel insurance Southern Cross No age limit Get quote
STA seniors travel insurance STA 74 Get quote
Tick seniors travel insurance Tick 100 Get quote
TID seniors travel insurance Travel Insurance Direct 81 Get quote
Travel insurance saver seniors travel insurance Travel Insurance Saver 79 Get quote
Travel insuranz seniors travel insurance Travel Insuranz 70 Get quote
Virgin Money seniors travel insurance Virgin 120 Get quote
Webjet seniors travel insurance Webjet No age limit Get quote
Worldcare seniors travel insurance Worldcare 85 Get quote
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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 imporant 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.

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.

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.

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Does 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

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How 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.

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.

Medibank Travel Insurance  Deals Medibank Travel Insurance Deals

15% off travel insurance

For Medibank health members, plus a chance to win flights for you and your friend. T&Cs apply.

Last verified

Get deal

Deal ends

Tick Travel Insurance Tick Travel Insurance
Exclusive

Get 5% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 5% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

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

Seniors travel insurance discount codes

Last checked Code description Code
6 Dec 2018 Get 5% off all Tick travel insurance policies fin****
6 Dec 2018 Get 5% off travel insurance with Fast Cover COU****
6 Dec 2018 Save 10% on YouGo travel insurance YOU****
6 Dec 2018 15% off travel insurance ********
6 Dec 2018 Get a 15% discount on travel insurance ********
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Seniors Travel FAQs

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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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56 Responses

  1. Default Gravatar
    janNovember 9, 2018

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

    • finder 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!

      Cheers,
      Jeni

  2. 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

  3. 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
      AshFebruary 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.

      Cheers,
      Ash

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

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