Looking for Seniors travel insurance?

Compare 20+ brands with policies designed for travellers over 65.

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

Type or Select your destination(s)

Popular Destinations

Americas
Asia
Europe
Pacific
Africa
Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the finder.com.au privacy policy

Finding travel insurance as a senior doesn’t have to be a painful experience. We’ve helped find cover for more than 60,000 Australian seniors aged 65 all the way to 100 and beyond, including those with pre-existing conditions. We can help you too.

Read on to find out how to find a policy that meets your needs without breaking the bank - so you can focus on your next travel adventure.

What is the maximum age seniors can get travel insurance?

There’s a travel insurance policy for everyone, no matter your age. You may find that a few brands won't offer travel insurance to people over the age of 65, a few more over 75, a few more over 80 and so on. But the good news is, many don't have an age limit at all. We saved you the work of researching policy age limits one by one. Just use the table below to quickly identify what policies you’re eligible for from the brands available on finder:

BrandStandard age limitGood to knowGet quote
1-Cover-Travel-Insurance-Logo11Cover79If you're 80 or over, you need to complete a pre-existing medical declaration form for Comprehensive and Domestic policies. Comprehensive and Domestic policies are available to travellers under the age of 79, while Essentials and Basic policies are available to travellers under the age of 74.Get quote
AllClear-logo-1AllClearNo age limitThere is no maximum age limit, and better still, AllClear considers all pre-existing medical conditions. That's right - they don't automatically exclude any medical issues you might have.Get quote
American-Express-Logo1American Express89Cover is available to travellers under 89 years of age on the Comprehensive and Ultimate Single Trip policies.Get quote
Australia-Post-logoAustralia PostN/AThe product disclosure statement (PDS) does not mention an age limit. It's a good idea to check with the provider prior to purchase. Also note that reduced limits may be applied to travellers over 70 years of age.Get quote
Blue-Monkey-LogoBlue Monkey65Cover is available to travellers under the age of 65.Get quote
boomers-travel-insurance-logoBoomers74Travellers up to the age of 74 are eligible for the Multi-Trip Plan; the Non-Medical Plan is available for all ages, and the Essentials Plans has an age limit of 59.Get quote
budget-direct-logoBudget Direct100Comprehensive and Domestic policies cover you if you are 100 years of age or under on the date of application, while Last Minute, Essential and Annual Multi-Trip levels of cover are available for travellers under 75.Get quote
Columbus direct-logoColumbus Direct84If you wish to take out Columbus Direct travel insurance, you must be no more than 84 years old on the date of purchase.Get quote
Cover-more-logoCover-More84Cover-More offers travel insurance for people up to 84 years of age.Get quote
DU-Insure.com_.au-LogoDownunder (DU Insurance)120Plans A Plus, A and B are available to travellers of all ages. Travellers over the age of 80 may be subject to different excess amounts and claim limits.Get quote
Easy-Travel-Insurance-Logo1Easy70If you're over 70 years of age at the time the Certificate of Insurance is issued, you need to complete a Travellers Medical Appraisal Form. If your application is approved, you will be advised of any restrictions that apply, and you may have to pay an additional premium.Get quote
fast cover-logoFast Cover89Travellers 90 years and over are subject to various conditions, depending on the policy.Get quote
Insureandgo-logoInsureandGo100This insurer covers people who are 100 years of age or under on the date of application for the Silver and Gold policies. In addition, it considers all pre-existing conditions.Get quote
insure4less-logoInsure4Less65This policy provides cover for travellers aged 65 and under.Get quote
itrek-1iTrek65Cover is available to travellers aged 65 years and under.Get quote
No worries-logoNo Worries84Cover is available to travellers under the age of 85.Get quote
Online-Travel-Insurance-Logo1Online Travel Insurance74People under the age of 74 can access Comprehensive, Domestic, Basic and Multi-Trip Plans.Get quote
Professional-Support-CoverProfessionals Travel Cover 65Cover is available to travellers aged 65 years and under.Get quote
Simply-LogoSimply79Simply covers travellers under 79 with its Comprehensive and Australia Only policies. Travellers under 74 can get its Budget policy, and those under 64 can get its Frequent Traveller policy. If you are aged 80 or over, you will need to complete a pre-existing medical declaration form to be considered.Get quote
Skiinsurance.com_.au-LogoSki-Insurance.com.au64Cover is available to travellers aged 64 years and under.Get quote
Southern cross-logoSouthern CrossNo age limitCover is available to travellers of all ages.Get quote
STA-Travel-LogoSTA74Cover is available to travellers under the age of 74 with the Comprehensive, Standard and Cancellation & Luggage policies.Get quote
Tick-travel-logoTick 100Travellers under the age of 100 are eligible for the Domestic, Standard and Top policies, while Budget policies are available to travellers under 79 and Basic policies are available to travellers under 69.Get quote
travel-insurance-direct-logoTravel Insurance Direct81Travel Insurance Direct offers cover up to the age of 81 for its Works and Domestic policies. The Basics policy is available to travellers under the age of 76.Get quote
travel insurance saver-logoTravel Insurance Saver79Travellers with pre-existing conditions and/or those over the age of 80 years will need to complete a Traveller's Medical Appraisal form.Get quote
Travel-Insuranz-Logo1Travel Insuranz70Travel Insuranz offers travel insurance for people under the age of 70.Get quote
Virgin-Money-Featured-LogoVirginN/AThere does not seem to be an age limit for Plan A (Comprehensive) and Plan B (Australia Only). However, it is advisable to check with the provider prior to purchase.Get quote
Webjet-Logo1WebjetAll agesComprehensive, Domestic and Non-Medical Plan are available to travellers of any age. Essentials, Basic and Multi-Trip Plans are available to people under the age of 74.Get quote
worldcare-logo-lWorldcare85Worldcare provides Comprehensive and Australia Only (Plans A and B) travel insurance cover for travellers up to 85 years of age. Plans C, D and E (Budget Cover, International and Australia) have an age limit of 71.Get quote
youGo-Travel-Insurance-LogoyouGo99YouGo provides cover for travellers up to the age of 99, depending on the area selected and duration of travel. Reduced limits may apply for travellers over the age of 70.Get quote

Why seniors use finder.com.au to compare travel insurance

It's free

No hidden feesOur travel insurance engine is 100% free to use. We don't mark up prices and there are no hidden fees.

Cover for all ages

Old coupleWe compare lots of policies for travellers from the age of 65 to 120. Some policies have no age limits at all!

20+ brands

BrandsCompare quotes from some of Australia’s most popular travel insurers. We compare quotes from over 20 travel insurance brands.

It's easy

Easy to compareSimply enter a couple of trip details and away you go – you can get quotes from our panel of leading insurers within seconds.

Pre-existing conditions

Medical kitGet covered instantly for high blood pressure, osteoporosis and many more pre-existing medical conditions.

Grandchildren travel free

Grand childrenMost insurers will cover your grandchildren for free as long as they’re under 21, named on your policy and not working full time.

No spam or annoying phone calls

Phone callWe don't ask you for your private details like your email address and phone number just to get a quote.

An unbiased comparison

BalanceUnlike many other sites, finder is not owned by a bank or an insurance company.

How will pensioners travel insurance help me?

Travelling can be beautifully unpredictable. That's great most of the time, but insurance is there to save your skin when unpredictable events turn sour.

If you're wondering whether or not seniors travel insurance is worth it, just consider the following possibilities:

  • You slip and fall climbing the Eiffel Tower steps. If you have to go to the hospital for a broken bone, the out-of-pocket expenses could sting if you don't have overseas medical cover to help you out.
  • You're needed back home for an emergency. The right policy will get you home immediately if there's an emergency (e.g. if your house gets flooded or a loved one dies). You'll also get some money back for the missed part of your trip and transportation costs, so you can pick up your trip where you left off later. This will save you a ton whether you're in Barcelona and need to get back to Melbourne or whether you're in Perth and need to get back to Newcastle.
  • You're hospitalised and need someone for support. If you're hospitalised, your policy can pay for a family member to fly out to be near you. It can also pay for you to be with your travelling partner if they're hospitalised.
  • Your flight is delayed and you miss the next day's activities. If you have to miss out on activities you've planned or accommodations you've booked and it's not your fault, your policy will give you back some of that wasted cash.
  • You're injured in the middle of Kakadu and need to be life-flighted out. There's not always a hospital around every corner. If you need emergency air transport, most policies will cover it - potentially saving you thousands, if not hundreds of thousands.
  • You realise an hour later that you've been pick-pocketed. Your policy will pay for and/or help you replace lost or stolen cash, lost or stolen goods (like your wallet) and lost or stolen documents (like your passport). They'll even cover dodgy credit card charges if your bank doesn't for whatever reason.
  • Someone smashes out the window of your rental car. Many people don't know this, but the excess for a rental car can be upwards of $3,000 - which means that's the least you'll be out of pocket if your hire car is stolen or in an accident. The right travel insurance policy will reduce this to a much more reasonable level. This is especially useful on domestic trips where you're more likely to be renting a car.
  • You get sick a week before the trip. If you're hospitalised or come down with an illness that keeps you from travelling, you can get your money back for everything you’ve already spent. This also applies to other emergencies like a death in the family or disaster striking your home.
  • The airline loses your luggage. No dramas! Your policy will help you get the supplies you need until you get your luggage back. And if you never get it back? Many policies will offer replacement cover up to a certain dollar amount.
  • You pass away while on your dream trip. If you happen to pass away while travelling, your insurance will take some of the burden off your family and pay to send your remains back home or for the costs to be buried overseas.

Is there a difference between a seniors policy and a 'regular' one?

There’s really not much difference in what's covered by a seniors travel insurance policy and any other policy. However the amount you pay (premiums), the amount you pay out of pocket (excess), the maximum amount you're covered for (benefits) and limitations are based on an applicant’s circumstances, and seniors merely have a different set of circumstances than younger travellers.

Here are some ways your life circumstances as a senior might affect your policy:

  • Pre-existing conditions. No matter what your age, insurers may charge extra for certain pre-existing conditions, place an age limit on them or not cover them at all. Seniors will probably be more affected by this than others, simply due to a longer medical history.
  • Policy type. Some insurers have separate policies to account for commonalities among the senior demographic and to streamline the process. The end result doesn’t change though. You’ll be assessed based on your circumstances just as you would under a policy without the “seniors” branding.
  • Price. You’ll pay more as a senior, because insurers take into account the likelihood that you’ll have to make a claim. Even without pre-existing conditions, older travellers are more likely to suffer serious (and potentially expensive) medical problems overseas - but that precisely why it's so important to get insurance that can give you peace of mind on your travels.
  • Multi-trip policies. Most insurers have a maximum age limit on annual multi-trip policies, but that can be as low as 60 or as high as 120 depending on the insurer and the policy you choose.
  • Benefit amounts. Many insurers will offer younger travellers higher benefit limits (such as unlimited medical expenses overseas) but reduce the amount covered for older travellers. Make sure you look at the benefit amounts when choosing a policy - particularly those pertaining to medical benefits.

How much does it cost?

There are many factors that affect the cost of a seniors policy, 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.

Go InsuranceTick Travel Insurance
DestinationBaliBali
PolicyGo Basic - BaseBasic
Length of trip7 days7 days
Age of traveller6565
Total cost of cover$25.65$26.87
Get quoteGet quote
Online Travel InsuranceAmerican Express
DestinationBaliBali
PolicyBasicBasic
Length of trip7 days7 days
Age of traveller6565
Total cost of cover$28.02$31.50
Get quoteGet quote

*Prices shown are accurate as of 6 February 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.

Go InsuranceOnline Travel Insurance
DestinationBaliBali
PolicyGo Basic - BaseBasic
Length of trip7 days7 days
Age of traveller7070
Total cost of cover$35.92$41.44
Get quoteGet quote
Tick Travel InsuranceAmerican Express
DestinationBaliBali
PolicyBudgetEssential
Length of trip7days7days
Age of traveller7070
Total cost of cover$43.36$44.00
Get quoteGet quote

*Prices shown are accurate as of 6 February 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.

Go InsuranceAmerican Express
DestinationBaliBali
PolicyGo Basic - BaseEssential
Length of trip7 days7 days
Age of traveller7575
Total cost of cover$35.92$50.50
Get quoteGet quote
Go InsuranceTick Travel Insurance
DestinationBaliBali
PolicyGo BasicBudget
Length of trip7 days7 days
Age of traveller7575
Total cost of cover$51.31$59.88
Get quoteGet quote

*Prices shown are accurate as of 6 February 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.

American ExpressAmerican Express
DestinationBaliBali
PolicyComprehensive$100.00
Length of trip7 days7 days
Age of traveller8080
Total cost of cover$86.00$100.00
Get quoteGet quote
Fast CoverZoom Travel Insurance
DestinationBaliBali
PolicyBasicsComprehensive
Length of trip7 days7 days
Age of traveller8080
Total cost of cover$107.90$146.72
Get quoteGet quote

*Prices shown are accurate as of 6 February 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.

How can I save on my policy?

Cost is always a factor when considering which travel insurance policy to choose, but it shouldn't be the only factor you consider. It's important to look at what a policy covers before deciding whether it's right for you.

But once you've settled on the benefits you're after, you can apply the following tips to save a little money:

  • Don't buy through a travel agent. Travel insurance policies purchased through travel agents and airlines cost two or even three times as much as policies bought from the insurer, compare your options and get cover straight from the provider.
  • Buy online. Some insurers offer premium discounts if you choose to buy cover online rather than over the phone.
  • Shop around. Instead of settling for the first insurer you find, compare seniors travel insurance quotes across a number of insurers to find the best value for money.
  • Take advantage of discounts. Some insurers offer seniors discounts to customers over the age of 55. You could also benefit from a multi-policy discount if you hold another type of cover with the same provider like car or home insurance.
  • Use promo codes. Search for online promo codes that you can apply at the checkout to enjoy discounted travel insurance premiums.
  • Choose a higher excess. If your policy comes with a flexible excess, you can adjust your excess higher and receive a lower premium in return.
  • Don’t pay for options you don’t need. If you’re paying extra for optional cover, such as adventure sports cover or valuable items cover, make sure you actually need it. If not, ditch it.
  • Consider multi-trip cover. If you’re a frequent traveller and you’ll be taking more than one trip in the next 12 months, consider buying annual travel insurance. This policy covers all your trips for a year and is usually cheaper than buying separate cover for each trip.

Discounts available on finder

The following travel insurance brands offer cover for seniors, and an exclusive discount on finder.com.au.

Exclusive
Get 10% off all Tick Travel Insurance policies
Want to save more on your Tick Travel Insurance policy? Just enter this code to receive a 10% discount on your cover.

Last verified

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

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

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

Get 5% off travel insurance with Fast Cover Get 5% off your travel insurance when you use this coupon code.

Last verified

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

Your chance to win $1000. 31 Days, 31 Winners!

Deal expires

Buy a travel insurance policy before 31 July to go into the draw to win. Every day a customer will win $1,000 - and there's a total of $31,000 to be won.

Last verified

Get deal

Will insurance cover my pre-existing conditions?

You're not letting your pre-existing condition hold you back from travelling, so don't let it hold you back from getting insurance!

The most important thing to know is that you have a duty to disclose these conditions to the insurer during the application process, as this could have a bearing on their decision whether or not to offer cover, as well as help them calculate how much your premium will be. If you don't, the insurer can refuse to cover you when you make a claim, so it's better to be safe than sorry.

If you have a pre-existing condition, you can easily find out how insurers treat a bunch of common conditions just by checking out their PDS. Here's what you can find out when comparing policies:

  • What conditions an insurer will cover automatically. Insurers will usually have a list of conditions they’ll cover for free and you don't even need to tell them about it as long as you haven't had any major complications recently. These are generally minor, easily manageable conditions like cataracts, glaucoma, osteoporosis and high blood pressure. They'll usually list these somewhere obvious.
  • Which policies won't covering any pre-existing conditions past a certain age. A small number of policies will not cover any pre-existing condition past a certain age (usually around 75) even if it is on the "automatically covered" list mentioned above. You can still be covered for all other medical and non-medical claims. Luckily there are plenty of other insurers who do not have a blanket age ban like this.
  • Which policies have age limits on specific pre-existing conditions. You're usually OK if your condition is on the "automatically covered" list, but it is common for policies to have age limits for certain individual conditions. For example, some insurers automatically cover asthma but stop covering it once you turn 60. You can still be covered for all other medical and non-medical claims, including other pre-existing conditions that do not have age limits.

Even if an insurer decides not to cover your pre-existing condition, in most cases they'll still cover you for everything else.

What about conditions that aren't listed?

Lots of conditions fall into a middle ground, and insurers won't necessarily list these publicly. That's when you have to tell your insurer about it. They'll consider it on a case-by-case basis and may have you take a medical exam. Their decision could swing one of three ways. They could:

  • Agree to cover it for no additional cost. They'd essentially be treating it like they would the conditions on the "automatically covered" list described in the section above.
  • Agree to cover it, but ask for a higher premium. You can pay the premium and have it covered, or you can decline the increased premium and be covered for all medical and non-medical claims except for that condition.
  • Decline to cover it, but cover you for everything else. In this case, you'll be covered for all medical and non-medical claims except for that condition (similar to the above point, except that you won't have the option to pay more to have it covered).

How to tell an insurer about your pre-existing condition

Travel insurers handle pre-existing conditions every day, so don't fret. During the application process, you'll be asked if you have a pre-existing condition, and if they cover it, they'll tell you which policy you need, and how much it costs. Remember, even with a terminal illness, it's possible to find cover.

Here’s how to approach your insurer about a pre-existing condition (generally most of this is done online):

  • Be up-front. Tell them about any condition you have or think you may have. If you make a medical claim and it's not related to a condition you've told them about, they will investigate to find out if it was pre-existing or not. It doesn't even matter if it was officially diagnosed. If they can prove you've had symptoms in the past 6 months and knew about them, they'll consider it to be a pre-existing condition.
  • Take the assessment. If the insurer isn't sure how serious the condition is, they may want you to take an assessment before they can approve you. Sometimes this is as easy as answering a few questions online. In other cases, you may need to provide medical certificates and/or do a short physical.
  • Keep your options open. Each insurer has different rules for different pre-existing medical conditions. For example, some insurers will not cover you for stroke if you had one within the last two years, while others say five years. If one insurer doesn't want to cover you, there's a good chance that another one does.

What types of trips can I be covered for?

Travel insurance is not just for overseas trips. It covers all sorts of excursions, both international and domestic. Here are just a few types of trips it will cover:

  • Travelling around Australia
  • Overseas excursions
  • Road trips
  • Sightseeing
  • Bus tours
  • Railway tours
  • Resort holidays

It also covers the following trips, although these trips may require you to add a special “add-on” on top of your normal policy.

  • Nature Treks. These may require an adventure add-on, depending on how remote the destination is and how dangerous the trekking and associated adventure activities are).
  • Campervan and RV holidays. These will require additional campervan insurance to protect the vehicle.
  • Golf trips. These may require a high-value item or golf add-on depending on how expensive your clubs are and whether or not you want greens fees covered.
  • Ski trips. These require a ski-add on due to the dangerous nature of the sport and the high cost of equipment.
  • Cruises. These require a cruise add-on due to the high cost of medical expenses at sea.

How do I get the best* pensioners travel insurance policy?

There’s no such thing as a single policy that’s better than all the rest. Every person has a different set of needs, so the right policy for your trip will vary depending on where you’re going, what you’re doing when you get there, your overall health and a range of other factors. To find the best policy for your trip, follow a few simple steps:

  • Consider your needs. Do you want basic or comprehensive cover? Single or multi-trip? International or domestic? How much cover do you want for crucial benefits such as overseas medical expenses and unexpected cancellation costs? Do you need to add any extras to your policy, like golf or cruise cover?
  • Work out your budget. The cost of cover varies widely between insurers and based on your personal circumstances, so it’s a good idea to work out roughly how much you’re willing to spend on travel insurance before hunting around for a policy.
  • Do your research. Now it’s time to see what’s available. Research the different policies that are suitable for you, and make sure any policy you consider is backed by a reputable underwriter.
  • Compare, compare, compare. It’s easy to compare travel insurance online. Consider not only costs, but also the policy's benefits and exclusions.

How do insurers treat different ages?

The short answer is no.

It’s possible to find travel insurance for people of all ages. As the table near the top of this page shows, policy age limits vary from one insurer to the next. However, there are insurers that offer cover for travellers up to the age of 90, 100 or even 120, and some providers that don’t impose any upper age limits on their policies at all. Check the relevant section for your age group below for more information on how to find cover.

When we reach the age of 60, many of us are nearing retirement or have already reached this momentous milestone. If you’ve recently celebrated your 60th birthday, you’re probably embracing the freedom of having no mortgage to repay and no kids to provide for – and travel is one of the best ways to take advantage of that freedom.

From the age of 60, insurers start inching up the cost of their travel insurance policies, so it’s important to shop around for affordable cover. Check out our guide to travel insurance for over 60s for more info on how to find the right cover.

By the time you turn 65, most insurers will classify you as a senior. You'll usually have no problems finding cover unless you have a serious medical condition. Just be aware that you may need to answer some additional questions about your health before you can get cover.

Our travel insurance for over 65s guide contains all the info you need to know.

Now that you’re in your 70s, chances are that you’ve said goodbye to the workforce for good. Barring any health concerns, this makes you perfectly placed to pack your bags and head out to see the world.

The cost of cover will continue to rise some as you age, and you may start to see some pre-existing conditions being excluded from certain policies.

Check your insurer’s PDS for details of how they cover pre-existing conditions, and remember that you may need to submit a medical declaration before you’ll be approved for cover.

While you might still feel like a 25-year-old, if you’ve passed your 75th birthday insurers will be sure to cover you based on your chronological age. What does this mean for travel insurance? For starters, it means 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. Check out our guide to travel insurance for over 75s for tips on how to find the right policy.

If the memorable milestone that was your 80th birthday is now fading in your rearview mirror, you may find that your travel insurance choices are a little more limited. You’ll now be above the maximum age limit imposed by a number of providers, but that doesn’t mean there aren’t plenty of companies willing to provide cover.

However, the cost of cover is even higher in this age bracket, while cover for pre-existing conditions is also increasingly restricted. Our travel insurance for over 80s guide provides plenty of useful tips to help you find the right policy.

Once you reach the age of 85, travel insurance becomes even more expensive. You’ll also be above the maximum age limit for many insurers, but 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.

The good and bad of seniors policies

Pros

  • Protects your wallet. Seniors travel insurance provides a crucial financial safety net to protect against a wide range of risks, including everything from damaged luggage and travel delays to overseas medical expenses.
  • Peace of mind. With your seniors travel insurance sorted, you can head out and explore the world, safe in the knowledge that you won’t end up out-of-pocket if something goes wrong during your trip.
  • Plenty of choice. Increased competition among insurers has made it easier for seniors to find travel cover, while a number of insurers now specialise in policies for older travellers.
  • Some pre-existing conditions will be automatically covered. Some pre-existing conditions are automatically covered, while others can also be covered if you provide additional medical evidence to the insurer.

Cons

  • More expensive. Unfortunately, cover for travellers 60 years or over tends to be more expensive than insurance for younger travellers, because of the increased likelihood of medical claims.
  • Smaller range of choices. Some insurers don't offer cover for people beyond a certain age, so as you get older, your number of choices will shrink.
  • Lower levels of cover. Some insurers offer lower benefit limits to seniors than they do to other travellers.
  • Exclusions could apply. You’ll need to check whether any additional exclusions apply to your policy, such as those exclusions relating to pre-existing conditions.

Travel tips for older travellers

Keep the following tips in mind to make sure you enjoy a safe and healthy holiday.

  • Check in with your doctor. Book in for a check-up to make sure it’s safe for you to travel. Not only will your doctor be able to detect any health problems that could cause issues during your trip, but they can also provide tips and advice on how to travel safely.
  • Make sure your vaccinations are up to date. Check to see what (if any) vaccinations you will need before your trip. Once again, your doctor is the best person to advise you on this.
  • Ask about changes to your medication. Check with your doctor to see if you need to adjust any of your medications based on your destination. For example, some medications that are legal in Australia may not be available overseas. Diabetics should check to see if they need to adjust their insulin dosage to account for different time zones.
  • Bring doctor's statements. If you are taking medication for a pre-existing condition, you may require a written referral from your doctor to avoid any difficulty with customs officials.
  • Be careful buying medication overseas. Be wary of buying prescription medication in foreign countries. The strength of those medications and the recommended dosages may be different to what you are usually prescribed. Whenever possible, make sure you have enough medication to cover the entire trip duration plus a bit extra in the case of unexpected delays.
  • Avoid deep vein thrombosis (DVT). Prevent DVT and its potentially life-threatening complications when flying by strolling up and down the airplane aisles when possible, performing foot and leg stretches while seated, staying hydrated and avoiding alcohol.
  • Take care of yourself. Don’t plan a jam-packed itinerary that will have you hurrying from one destination to the next. Avoid pushing yourself too hard and occasionally give yourself some time to relax.

Got questions? We have answers

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
Pictures: Shutterstock and Unsplash

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

52 Responses

  1. 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?

    • finder Customer Care
      AshFebruary 18, 2018Staff

      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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. Default Gravatar
    ElizabethJanuary 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

    • finder Customer Care
      RichardJanuary 30, 2017Staff

      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,
      Richard

  10. Default Gravatar
    elizabethJanuary 9, 2017

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

    • Default Gravatar
      JillMarch 22, 2017

      can you find a policy that covers age 85, preexisting Osteoporosis and Parkinsons?

    • finder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Jil,

      Thank you for your question.

      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 condition and travel insurance for multiple sclerosis pages 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

    • finder Customer Care
      RichardJanuary 10, 2017Staff

      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,
      Richard

Ask a question
Go to site