Seniors Travel Insurance

If you need insurance for pre-existing conditions, like to get cover with a well-known insurer or simply want peace of mind with a comprehensive policy, we're here to help. Comparing is easy - simply pop in your details and choose a policy that's right for you.

Compare seniors travel insurance

We compare products from

Best* seniors travel insurance on Finder

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

Name	Overseas Hospital	What you need to know about seniors travel insurance	Apply
Comprehensive 1Cover	Unlimited	No age limit Automatic cover for up to 35 pre-existing medical conditions Medical assessment available online but some conditions may be excluded 80+ travellers can get cover for up to six months	Get quote
Comprehensive Budget Direct	Unlimited	Cruise cover automatically included in international policies Limited cover for pre-existing medical conditions Other policies available: domestic Age limit: up to 100 years	Get quote
Top Tick	Unlimited	Winter sports cover available for those up tp 100 years old All pre-existing medical conditions are considered with an online medical assessment Other policies available: standard Age limit: up to 100 years	Get quote
Gold Plus AllClear	Unlimited	No age limit Specialty travel insurance for medical conditions, all conditions are considered through an online medical assessment Annual multi trip policy available for all ages Maximum trip duration for all ages is 92 days Other policies available: gold	Get quote

*Table last updated: August 2019

How your age affects travel insurance

I'm in my 50s

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

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

I'm in my 60s

While travel insurance premiums increase as you get older, you will also notice that some insurers may start to exclude cover for more pre-existing conditions than if you were travelling in your 50s.
After looking at a few policies, we noticed that a few insurers such as Budget Direct, 1Cover, Fast Cover, Travel with Kit and Covermore have exclusions for cover of Asthma if you are over 60 years old.

I'm turning 65

After you turn 65, insurers start to get a bit picky with their inclusions and policies. This is when a price difference in premium starts to become noticeable.

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

• You may no longer be eligible to purchase annual/ frequent traveller policies with some brands. Here are a couple of brands that will still offer annual/ frequent traveller policies for travellers over 65:

Brand/Policy type	Conditions	Apply
Budget Direct Annual Multi-trip Budget Direct	For trips up to 30 days, comprehensive cover for travellers under 75 years of age.	Get quote
InsureandGo Annual Multi-trip InsureandGo	For trips up to 30, 45 or 60 days at a time. Cover is available for those up to 100 years of age however the maximum trip duration may be restricted depending on your age.	Get quote

• You may be restricted in getting cover for Winter sports, excluded by brands like 1Cover. Here are a couple of brands that may still offer cover for Winter sports if you're over 65:

Brand/Policy type	Conditions	Apply
InsureandGo + Winter Sports cover InsureandGo	This includes cover for medical attention on the slopes, equipment and other prepaid expenses. InsureandGo have this option available to those up to 100 years of age.	Get quote
Travel with Kit + Snow Pack Travel with Kit	Cover for your winter sport activities and related expenses. Travel with Kit offers this add-on to anyone up to the age of 99.	Get quote

• You may notice that insurers will only cover you for trips up to 90 days. You can still search on our comparison tool and you'll see the brands who still offer more long term cover.
• Some benefits might be lessened.

I'm in my 70s

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

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

I'm turning 75

Here are some considerations if you're 75 and over while travelling. As we age, we become more at risk of health-related issues and injuries. Because of this added risk to insurers, premiums can increase. Along with increased premiums, be mindful of the following;

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

I'm in my 80s and over

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

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

Start looking for the best travel insurance for you

What is seniors travel insurance?

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

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

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

How have other seniors used Finder?

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

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

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

40% of seniors book just one or two weeks before departure, leaving any time between trip booking and policy purchasing at risk to unexpected events that could ruin their plans.

Travel insurance for seniors with pre-existing conditions

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

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

What if I have pre-existing medical conditions?

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

Brands	Age limit	Policy type	Maximum trip duration	Apply
AllClear	No age limit	Gold Plus Gold	Up to 92 days	Get quote
InsureandGo	100	Gold Silver	Up to 90 days	Get quote
Tick	100	Top Standard	Up to 90 days	Get quote

Maximum trip duration is determined by your specific age and destination

Which conditions are usually excluded?

There are some very serious medical conditions that are more challenging to cover, and many policies will exclude them outright (but still cover you for everything else), while others will decline your insurance application altogether.

It's not impossible to find cover for the following conditions, but they will make your search a bit more challenging:

You may also find that insurers may not explicitly say whether a medication is covered, so make sure you declare the condition you're taking it for rather than just the actual medication.

Travel insurance and pre-existing conditions

Can I get cruise travel insurance for seniors

Cruising is a very popular way for seniors to travel, but on-board treatment and medical evacuations at sea are two of the most costly and, unfortunately, most claimed expenses. If you don't have the right cruise cover they could end up costing you your life savings. Some travel insurance plans automatically cover cruise with their policies, while other companies offer cruise protection as an additional premium and may charge slightly more for the cover.

We've highlighted which brands offer cruise cover on our cruise travel insurance page, many of which offer cover for seniors as well.

Find out more about cruise travel insurance

Can seniors get annual travel insurance?

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

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

Find out more about annual travel insurance

Cheapest travel insurance for seniors

While we all love a bargain, finding the cheapest travel insurance might not be the best option as a senior. You might find that you're saving money today, but you need to consider exactly how much coverage you will have when you travel.

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

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

Our comparison tool can also help you find a cheap policy. After you add your details and search for a quote, you'll have the option to sort through the results by price, see the screenshot below. By clicking on this button, your policy options can be sorted from cheapest to most expensive.

Start looking for cheap seniors travel insurance

Here are some coupons to use

Budget Direct Travel Insurance Deals

15% off Budget Direct travel insurance

Use this coupon to save 15% when you buy travel insurance online.

Last verified 2 Sep 2019

Show code

Qantas Travel Insurance Deals

Earn 1,000 bonus Qantas Points

When you purchase an annual multi-trip travel insurance policy. T&C's apply.

Last verified 3 Sep 2019

Get deal

InsureandGo

10% off travel insurance

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

Last verified 2 Sep 2019

Show code

Australia Post Travel Insurance

Get 10% off travel insurance

Get 10% off your policy when when you use this code

Last verified 2 Sep 2019

Show code

Tick Travel Insurance

Exclusive

Get 5% off all Tick travel insurance policies

Only on Finder: use this code to get a 5% discount.

Last verified 2 Sep 2019

Show code

Fast Cover Travel Insurance Deals

Get 5% off travel insurance with Fast Cover

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

Last verified 2 Sep 2019

Show code

RACV Travel Insurance Deals

15% off for RACV members

Existing RACV members get 15% off travel insurance policies.

Last verified 2 Sep 2019

Get deal

YouGo Travel Insurance Deals

Exclusive

Save 10% on YouGo travel insurance

Get 10% off YouGo travel insurance with this exclusive code.

Last verified 2 Sep 2019

Show code

iTrek Travel Insurance Deals

Save 5% on iTrek travel insurance

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

Last verified 2 Sep 2019

Show code

1Cover

Save up to $50 on annual travel insurance

Buy a Frequent Traveller policy and save.

Last verified 2 Sep 2019

Get deal

Show more

Further reading:

• 

  Travel insurance with pre-existing medical conditions

• 

  Domestic travel insurance

• 

  Golf travel insurance

Compare seniors travel insurance today

FAQs

• Can I get cover for my grandkids?

  Yes. Most insurers will cover dependents (children) for free as long as they are travelling with you. Depending on your chosen insurer, they'll usually provide cover if they're under 21 and not working full-time, but there are some brands that cover grandkids up to 25 years old.

• What types of travel insurance are available for Australian seniors?

  You can access a full range of policies including international and domestic travel insurance, comprehensive or basic cover, and single-trip or annual multi-trip cover. However, you should be aware that stricter age caps apply to some policies, for example annual multi-trip travel insurance.

• Should I consider buying cover from a company that specialises in seniors travel insurance?

  Specialist seniors insurance providers are specifically set up to meet the needs of older travellers, so you may find the application process with these providers runs more smoothly than with other companies. Just remember that these brands have the same underwriters and the same terms and conditions as other travel insurance brands, so there will often be no real difference in the cover provided.

• I may be over 65 but I'm still very active – will I still need to pay an age loading?

  Many insurers add a loading to your premium based on your age bracket, so living an active and healthy lifestyle won't necessarily lower your premium with these insurers.

• When should I buy seniors travel insurance?

  We recommend that you buy cover as soon as you book your trip, as this way you can take advantage of trip cancellation cover from the moment you purchase your policy.

• Does seniors travel insurance cover me if I damage my rental car?

  Yes. Most comprehensive travel insurance policies include car rental excess cover.

• My parents are quite elderly – will travel insurance cover me if they suffer an unforeseen accident or illness and I need to cancel or cut my trip short ?

  Yes. Cover is available for trip cancellation costs and non-refundable deposits in these circumstances.

• Will golf insurance cover my clubs?

  An expensive set of golf clubs can cost more than your policy's "lost, stolen or damaged items" cover will allow for. In this situation, you'd have two choices:

  • Take out high-value items cover. This is an additional add-on that allows you to cover specific items that have a value higher than you policy's standard benefit limits. It will cover lost, stolen or damaged golf clubs or anything else you decide to have covered.
  • Take out a golf trip add-on. This covers your clubs in the same way the high-value items cover would, but it also covers missed greens fees and lost or stolen hire equipment. It may even have "hole-in-one" cover. This entitles you to a round of drinks if you sink your first shot. But remember... no mulligans!

  Similar packages exist for cruises, ski trips and adventure trips (like skydiving); however, the last two will probably have some age limits on them.

Picture: GettyImages
Icons made by Vectors Market, Smashicons from www.flaticon.com is licensed by CC 3.0 BY

Zahra Campbell-Avenell

As Finder's Group Publisher for Insurance, Zahra Campbell-Avenell leads a team of over 10 insurance experts to deliver on Finder’s mission to help Australians make better decisions. Zahra has a Bachelor’s degree from Georgetown University in Washington DC, with a double major in Anthropology and English. She has worked for companies such as Booking.com and Bank of America, as well as a number of non-profit organisations.