Seniors Travel Insurance

Over 65 and looking for travel insurance? Compare travel insurance for seniors with unlimited medical and much more.

Don't pay more than you have to for seniors travel insurance. Whether your heading away on a cruise, visiting old friends overseas or heading off on a new adventure, it's crucial you get the cover you need without paying too much for it. Compare options from to find cover:

  • For travellers up to 100 years of age
  • Without upfront medical assessments
  • With unlimited trip cancellation protection
  • With cover for cruise trips
  • With free cover for grandchildren

Simply enter your details in the form below to compare quotes from some of Australia's leading travel insurance providers. Keep reading to find out more about how to compare different policy options for senior travellers.

Receive quotes for overseas and domestic senior policies from Australian brands

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The best seniors travel insurance policies for over 65's

Compare the most popular travel insurance policies for seniors based on quote enquiries for July 2014 to January 2015.

Travel Insurance PolicyFeatures
Fast Cover Single Trip Comprehensive

Unlimited overseas medical expenses and cancellation cover for travellers under 90.

Virgin International Comprehensive

Unlimited overseas medical and $10,000 cancellation cover for senior travellers.

Covermore Premium Single Trip

Unlimited overseas medical and up to $6,000 in luggage cover.

TID Single Trip International

Unlimited medical expenses and evacuation cover and up to $12,000 luggage cover.

Note: Benefit limits may vary between providers based on age

Is there an age limit for travel insurance?

BrandStandard age limitFeatures
1Cover130If you're 80 or over, unlimited medical cover does not apply for Comprehensive policies and medical benefits are limited from $30,000 to $40,000.
American Express88Cover provided to those under 89 years of age on the comprehensive single trip policy.
AIG84If you're a senior traveller 85 years and over wishing to apply for travel insurance, you'll need to obtain a Mature Age Assessment application from AIG. Those aged 85 years and over, if accepted, will be advised of the premium payable and any additional terms of cover.
Budget Direct100This policy covers you if you are 100 years of age or under at the date of application.
Check-In79The maximum age covered by Check-In travel insurance is 79, on either its comprehensive or basic policy.
Citibank69Citibank single trip provides travel insurance if you're aged between 70-89 years of age.
Columbus Direct84If you wish to take out Columbus Direct travel insurance, you must be no more than 84 years old at the date of purchase.
Cover-More84Cover-More offers travel insurance for people up to 84 years of age.
Easy70Those over 70 years of age at the time the Certificate of Insurance need to complete a Travellers Medical Appraisal Form. If your application is approved you will be advised of any restrictions may apply and may have to pay an additional premium.
Fast Cover89Travellers 90 years of age and over are subject to various conditions depending on the policy.
Go Insurance69This policy is available to persons aged 69 and under at the time of purchase.
InsureandGo100This travel insurance only covers persons who are 100 years of age or under at the date of application.
iTrek65Available to travellers aged 65 years and under.
No Worries84Available to travellers under the age of 85. to travellers aged 65 years and under.
Southern Cross101Travellers cannot be more than 101 years of age.
Travel Insurance Direct81Travel Insurance Direct offers people up to the age of 81.
Travel Insuranz80Travel Insuranz has a travel insurance policy for those aged between 66 and 80.
Virginn/aThere does not seem to been an age limit for Plan A (Comprehensive) and Plan B (Australia Only). However, it is advisable to check with the provider prior to purchase.
Webjet74Available to travellers under the age of 75 years.
Woolworths79Woolworths cover policyholders on its comprehensive or basic who are not older than 79 at the time of purchase.
WorldCare85Worldcare provide comprehensive travel insurance cover up to 85 years of age.
youGo84YouGO provide cover until the age of 84.

Am I too old for travel insurance?

Age limits for travel insurance vary between different insurer. Most insurers have a number different policies and cover is generally reduced for older travellers. Below is an example of how different ages may be dealt with by insurers.

AgeGeneral Policy Access
Under 60Able to purchase any policy
Aged 60 and olderAble to purchase any policy though an age loading may apply
Aged under 75 years of ageAble to purchase policy with reduced cover and benefits
Aged under 80 years of ageAble to purchase policy with reduced cover and benefits
Aged 80 years and overMay be required to submit medical declaration to be able to purchase policy with reduced benefits

The old man, the sea and a medical emergency

Santiago was in the middle of his round-the-world cruise when he suddenly felt short of breath. After seeking help from the cruise doctor, it was discovered that Santiago was suffering from a pulmonary embolism that required him being given oxygen until he reached the next port. Once at the next port, Santiago was rushed to the nearest hospital where he stayed for the next week. The total cost of his hospitalisation was $15,000.

Unfortunately, Santiago did not have travel insurance in place. Not only did he have to pay the out of pocket hospital expenses but also cancel the rest of his trip which was prepaid.

Can seniors get travel insurance? Here's what's different.

There are a number of different providers that offer policies up to the age of 100. There are however a few things you should be aware:

  • Higher cost of premiums. The cost for seniors is higher than that of younger travellers because of the increased risk of injury or illness that can come with age.
  • Some pre-existing conditions may not be covered. Certain pre-existing medical conditions will not be covered for travellers over certain age for some policies e.g. asthma if you're over 60.
  • You might need to apply for a special policy. Some travel insurance brands require you to apply for a special seniors policy when you're above a certain age.

What types of travel insurance is available to seniors in Australia?

There are different types of travel insurance elderly, all you need to do is check and see which one offers the right cover for your travel needs. It is important to travel insurance that is going to suit both your needs and your budget.

Can seniors get annual travel insurance?

  • Yes, however there stricter age caps. While there are providers out there that offer annual travel insurance for seniors, the overwhelming majority cap the age for applicants wanting annual travel insurance. You can find the age limit of annual multi-trip policies here.

Is there cruise travel insurance for people over 65?

Cruise trip travel insurance is available to over 65s and offers additional cover for losses that may be incurred while on a cruise trip. Additional cover can be provided for:

  • Medical expenses incurred while at sea
  • Medical allowance if confined to cabin
  • Cancelled excursions due to bad weather
  • Cancellations due to missed cruises.

Learn more about cruise travel insurance

The good and not so good of seniors travel insurance


  • Increased competition among insurers has made it more possible for insurers to find travel cover
  • Number of insurers now specialising in policies for older travellers
  • May be able to be covered for certain conditions by providing additional medical evidence
  • Provided you meet the conditions of your policy, your claim will be paid.


  • It's generally more expensive
  • Age limit for multi-trip policies is usually reduced
  • Not all insurers to provide cover to seniors over 70
  • There may be an increased number of exclusions applied to the policy.

How much does seniors cover cost?

ProviderSCTIInsureandGoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller65656565
Total cost of cover$125.00$161.56$190.18$115.90
Get QuoteGet QuoteGet Quote

*Prices shown accurate July 2, 2015. Rates subject to change.

ProviderSCTIInsureandGoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller70707070
Total cost of cover$206.00$161.56$190.18$174.90
Get QuoteGet QuoteGet Quote

*Prices shown accurate July 2, 2015. Rates subject to change.

ProviderSCTIInsureandGoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller75757575
Total cost of cover$336.00$197.46$236.10$241.90
Get QuoteGet QuoteGet Quote

*Prices shown accurate July 2, 2015. Rates subject to change.

ProviderSCTIInsureandGoBudget DirectFast Cover
PolicyTravelCareGold PolicyComprehensiveComprehensive
Length of Trip14 days14 days14 days14 days
Age of Traveller80808080
Total cost of cover$432.00$452.65$541.24$355.90
Get QuoteGet QuoteGet Quote

*Prices shown accurate July 2, 2015. Rates subject to change.

Is my pre-existing condition covered?

One of the major barriers facing seniors looking for travel insurance is whether or not they have any pre-existing health conditions.

Here's what you should know

  • Many brands provide cover for health conditions up to a certain age. For example, many insurers in Australia exclude applicants over the age of 75 from receiving cover for pre-existing conditions.
  • Each brand will have different rules for different pre-existing existing medical conditions. For some brands will not cover you for stroke if you have not had any incidents within the last 2 years, whilst some other brands will not cover you for any incidents that have occurred within the last 5 years.
  • Disclosure is required. You'll typically need to declare your pre-existing medical condition with your insurance provider.

What is a pre-existing condition?

A pre-existing condition is generally defined as:

  • An ongoing medical condition that the applicant is aware of, has a related complication of the condition, or the symptoms of which they are aware
  • A medical or dental condition that is currently being treated or has been treated by a certified medical professional
  • Pregnancy
  • Conditions that the policyholder treats with prescribed medication
  • Conditions that the policyholder has had surgery on in the past.

What types of conditions are usually excluded?

The following conditions are generally excluded from cover on senior travel insurance policies:

  • Any type of cancer or secondary cancer the applicant has been previously diagnosed with
  • Condition related to recent surgery that the applicant has had
  • Conditions related to brain or spinal surgery
  • Mental Illness (Conditions on mental illness varies greatly between insurers, critical to have a clear understanding on the terms and conditions of this exclusion)
  • Chronic or recurring pain that the insured has consulted a medical practitioner for
  • Cardiovascular or cerebrovascular disease
  • Organ transplantation. Past and future transplantations
  • Conditions where there has been a terminal prognosis given with life expectancy of 2 years or less.

Conditions that are covered and excluded by seniors travel insurance policies varies between insurance companies. It is important to always be sure of what you are covered for prior to submitting your policy application.

Medical tips for senior travellers

  • Check with your doctor. Check to see if you have any unknown medical conditions before travelling. It might be worth having a complete medical exam to check for any unknown medical conditions.
  • Changes to medication. It is worth checking with your doctor to see is any need to adjust your medication based on the destinations you are travelling to. Diabetics should check to see if they would need to adjust their insulin dosage to account for different time zones.
  • Doctors statements. If you are taking medication for a pre-existing condition, you may require a written referral from your doctor to remove any chance of difficulty with customs officials as some medication may be illegal in different countries.
  • Buying medication overseas. Beware of purchasing prescription medication from different countries overseas as they may be quite different in terms of strength compared to what you are usually prescribed.
  • Make sure your vaccinations are up to date. Check to see what (if any) vaccinations you will need to have before your trip. Older travellers should consider taking medication for pneumococcal disease and influenza.

These are just a few of the medical tips that senior travellers should consider and they may vary considerably for people in different situations. If unsure, always check with your general practitioner before travelling.

How do I get the best policy as a pensioner?

Providers usually apply a premium loading on policies as you get older. This makes it even more important for seniors to take the time to compare different options available in order to get the best deal.

Tips to find the right policy for your trip

Although the cost of travel insurance for seniors tends to be considerably higher than the cost of travel insurance for younger people, it is still possible to get some reasonable deals on this cover with a little research, particularly if you are a relatively fit and healthy senior. Ask yourself the following questions:

  • Who is the best* policy for me? Many seniors are loyal and just go for a provider they know and already have cover with (e.g. health insurance). Unfortunately, this tactic is not the most effective way of finding the best* value for money. It's wise to go online and compare policies side by side and decide which policy is best suited for them.
  • Have I considered an age specialist? Although some providers avoid offering cover to seniors, there are others that specialise in policies for seniors. As these providers only offer seniors travel insurance policies, you may find the application process a little smoother.
  • How much cover do I need? Different providers offer different levels of cover on the policy features. It is worth assessing what an appropriate amount. You may decide to take out a policy with a reduced amount of cover for a lower premium rate.
  • Am I eligible the policy? It is especially important to check the eligibility on the policy you are considering before you spend time checking coverage levels etc. as you may be over the provider's maximum age limit. When you compare policies, check the maximum age limit before you spend time checking the plan for suitability.
  • Should I select the optional extras? Most senior travel insurers offer a range of additional options (such as rental excess) that can be added to the policy to give a more comprehensive range of cover.

Can I get a discount on my seniors cover? currently offers discounts on the following travel insurance brands. These brands offer cover for seniors.


Columbus Direct Exclusive Offer - 10% Off All Policies

Receive a 10% discount on your Columbus Direct policy when you apply through Simply follow the secure link for your 10% discount to be applied.

10% Off American Express Travel Insurance

10% off all new American Express Travel Insurance policies purchased online until the 30th of March 2017.

Free Captain Risky Bobblehead with Comprehensive, Annual, Domestic Cover

FREE Captain Risky Bobblehead when you purchase a Comprehensive, Annual Multi-Trip or Domestic Travel Insurance policy. Hurry, while stocks last! Terms and conditions apply.


10% Off Tick Travel Insurance Policies

Want to save more on your Tick Travel Insurance policy? Simply enter this code to receive a 10% discount on your cover.

Show code & visit sitefi****

After the store tab opens, come back to copy the code

YouGo Travel Insurance Coupon Code - Save 10% On Your Cover

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

Show code & visit siteYO****

After the store tab opens, come back to copy the code

How else can I get cheap travel insurance?

While some travel insurers don’t offer discounted cover to people over 60 or 70 years of age, there are ways to get cheap travel insurance as a senior. There are several things you can do to keep the cost of your premiums down:

  • Choose a lower level of cover. Instead of forking out for a comprehensive policy, consider a basic medical-only policy that only offers essential cover. Alternatively, mid-range policies offer many of the same benefits as comprehensive policies but usually have lower benefit limits and therefore a lower price.
  • Choose an annual multi-trip policy. If you’re a frequent traveller who takes two or more trips a year, you might be able to save a substantial amount of money by investing in an annual multi-trip policy. This covers all your trips over a 12-month period and is cheaper than taking out a single trip policy for each individual journey.
  • Don’t purchase additional options you don’t need. If you don’t really need additional cover for specified items or for a golfing holiday, don’t add these extra benefits to your policy.
  • Consider senior-specific travel insurance companies. Companies that claim to cater especially to seniors offer policies with the same terms and conditions, and that are underwritten by the same insurers, as other travel insurance companies.
  • Shop around. The most important thing you can do when hunting for discount travel insurance for seniors is compare your options and shop around.
  • Free cover for dependents. If you plan on travelling with younger grandchildren, you may be able to get free cover for extra travellers under 21.

Who is most popular insurer for seniors?*

*Data based 13,000+ enquiries made through the quote engine from July 2014 to January 2015. Data used to find the most popular policy for 65+ travellers

If you are after the most popular policy with other senior users, have a look at the table below, which lists in order the top ten most popular seniors travel insurance providers from within our panel.

Brands Product Product Details Apply
Fast Cover Single Trip - Comprehensive

Unlimited overseas medical expenses

Unlimited cancellation fee cover

$5,000 rental vehicle excess cover

$5,000,000 personal liability cover

Get quoteMore info
Virgin Money International Comprehensive

Unlimited overseas emergency assistance

Unlimited overseas medical expenses

$10,000 cancellation fees and lost deposits

$10,000 luggage and personal effects

Get quoteMore info
CoverMore Premium single trip

Unlimited overseas medical expenses

Unlimited additional expenses

$6,000 Luggage and travel documents

$2.5 million personal liability

Get quoteMore info
Travel Insurance Direct The Works

Unlimited overseas medical expenses

Unlimited overseas emergency medical assistance

Unlimited cancellation fees and lost deposits

$12,000 luggage and personal effects

Get quoteMore info
AIG Mature Age

Premium savings of up to 20% available

Cover for +70 travellers

$8,000 luggage and personal effects

$6,000 rental vehicle excess

Cancellation fees and lost deposits

Get quoteMore info
1Cover Comprehensive Single Trip

Unlimited overseas medical expenses

$50,000 disruption of journey

Unlimited cancellation fees and lost deposits

$15,000 luggage and personal effects cover

Get quoteMore info
Go Insurance Go Plus Single Trip Cover

$10,000,000 alternative travel expenses

$10,000,000 overseas medical expenses

$7,500 luggage and personal effects

$5,000,000 personal liability

Get quoteMore info
InsureandGo Seniors

Cover for all seniors aged 60-100 years

Unlimited cancellation with gold policy

Cover for 90 sports and activities

$8,000 luggage and personal effects

Get quoteMore info

I'm ready to apply for cover

If you are ready to compare policy options from different Australian insurance providers online, put your travel details into the quote form and compare policies from a range of providers. Always remember to check through the conditions of your insurance policy before submitting your application to ensure you have an adequate level of cover overseas.

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* The offers compared on this page are chosen from a range of products 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 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.
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38 Responses to Seniors Travel Insurance

  1. Default Gravatar
    Allan | February 20, 2017

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

    • Staff
      Zubair | February 21, 2017

      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.


  2. Default Gravatar
    Kay | February 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?

    • Staff
      Zubair | February 17, 2017

      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.


  3. Default Gravatar
    Elizabeth | January 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

    • Staff
      Richard | January 30, 2017

      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,

  4. Default Gravatar
    elizabeth | January 9, 2017

    Does any insurance company cover people with pre existing conditions eg heart valve replacement, aneurysm repair & by pass

    • Staff
      Richard | January 10, 2017

      Hi Elizabeth,

      Thanks for getting in touch. Whether or not you’ll be able to get cover with a pre-existing condition will vary both on the severity of the condition and the insurance brand. For more information, you may find our article on getting travel insurance with a pre-existing condition helpful.

      All the best,

  5. Default Gravatar
    Rob | December 19, 2016

    Early 70s planning 14-21 day trip to Japan. Companies?

    • Staff
      Richard | December 21, 2016

      Hi Rob,

      Thanks for getting in touch. You can get quotes from the brands in our panel by entering your travel details into the quote engine above.

      All the best,

  6. Default Gravatar
    Kathy | August 9, 2016

    I am booking and pre-paying now for a trip to Darwin on the Ghan in an All Inclusive package holiday and returning to Melbourne by air from Darwin in April next year. Is there a policy that I can take out at the same time to cover me for having to cancel the trip due to unforeseen events before then. ie. cover starting from tomorrow until conclusion of my holiday. I am 71 years of age

    • Staff
      Richard | August 9, 2016

      Hi Kathy,

      Thanks for your question. There are various policies available from the travel insurance brands in our panel that will provide you with this type of cover. However, as every policy is different you will need to review the policy document to make sure you understand what is covered when it comes to cancellation. Most policies will state when you will and (more importantly) won’t have cover for cancellation. is a comparison service and we are not permitted to make specific product recommendations. If you would like to compare the options available from the travel insurance brands in our panel, please enter your travel details into the quote comparison form above.

      I hope this was helpful,

  7. Default Gravatar
    Arthur | August 2, 2016

    Is it possible to purchase cover for a one way trip from France to Australia via the USA, I am 72 and am in France and wish to travel home in September.

  8. Default Gravatar
    Maria | July 28, 2016

    My father who will is 88 is hoping to travel to Greece & Italy in October 2017 for my daughter’s wedding. He has a pre-existing condition, he had a urostomy bag attached to his skin to covers his stoma. This was done 3 years ago and apart from that, he is in good health. Would any travel insurance companies provide coverage should any problems arise from this pre-existing condition whilst travelling?

    • Staff
      Richard | July 28, 2016

      Hi Maria,

      Thanks for your question. Unfortunately, criteria for pre-existing conditions vary from insurer so there is not a hard yes or no answer and are generally assessed on a case-by-case basis. However, InsureandGo claim to consider all conditions and

  9. Default Gravatar
    John | July 11, 2016

    Self 65 (a pre-existing back injury); wife 72. One week in USA at end of July (16).
    We are interested in insurance which covers possible hospitalisation in USA, as we have heard that it is prohibitive.

  10. Default Gravatar
    Bernie | May 8, 2016

    my brother is 90 years old . He has been traveling a lot .He has an insurance to cover him for many trips in a year . .Does he can continue his policy after 90 years old.?

    • Staff
      Richard | May 9, 2016

      Hi Bernie,

      Thanks for your question. It will depend on the insurance brand your brother has cover with. Some brands provide cover to those north of 100 years of age. You can review the brands in our panel that offer this cover in the age limits comparison section above.

      I hope this was helpful,

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