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If you're in your 60s, 70s, 80s, 90s or even 100s, we can help you find seniors travel insurance that suits your needs. We've helped almost 60,000 Australian travellers over the age of 65 compare policies, with some of our partners covering all ages and considering all pre-existing conditions.
Whether you're heading away on a cruise, visiting friends overseas or embarking on a dream adventure, here’s how to find a policy that provides the cover you need as you make the most of your golden years.
If you choose high-level cover, seniors travel insurance can cover a wide range of travel risks and expenses, including:
There’s really no difference between a seniors travel insurance policy and any other policy. Premiums, excesses, 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:
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:
Brand | Standard age limit | Good to know | Get quote | |
---|---|---|---|---|
![]() | 1Cover | 79 | If 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 | No age limit | There 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 | 89 | Cover is available to travellers under 89 years of age on the Comprehensive and Ultimate Single Trip policies. | Get quote |
![]() | Australia Post | N/A | The 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 | 65 | Cover is available to travellers under the age of 65. | Get quote |
![]() | Boomers | 74 | Travellers 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 | 100 | Comprehensive 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 | 84 | If 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 | 84 | Cover-More offers travel insurance for people up to 84 years of age. | Get quote |
![]() | Downunder (DU Insurance) | 120 | Plans 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 | 70 | If 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 | 89 | Travellers 90 years and over are subject to various conditions, depending on the policy. | Get quote |
![]() | Go Insurance | 75 | This policy is available to anyone aged 75 and under at the time of purchase. | Get quote |
![]() | InsureandGo | 100 | This 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 | 65 | This policy provides cover for travellers aged 65 and under. | Get quote |
![]() | iTrek | 65 | Cover is available to travellers aged 65 years and under. | Get quote |
![]() | No Worries | 84 | Cover is available to travellers under the age of 85. | Get quote |
![]() | Online Travel Insurance | 74 | People under the age of 74 can access Comprehensive, Domestic, Basic and Multi-Trip Plans. | Get quote |
![]() | Professionals Travel Cover | 65 | Cover is available to travellers aged 65 years and under. | Get quote |
![]() | Simply | 79 | Simply 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 |
![]() | Ski-Insurance.com.au | 64 | Cover is available to travellers aged 64 years and under. | Get quote |
![]() | Southern Cross | No age limit | Cover is available to travellers of all ages. | Get quote |
![]() | STA | 74 | Cover is available to travellers under the age of 74 with the Comprehensive, Standard and Cancellation & Luggage policies. | Get quote |
![]() | Tick | 100 | Travellers 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 | 81 | Travel 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 | 79 | Travellers 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 | 70 | Travel Insuranz offers travel insurance for people under the age of 70. | Get quote |
![]() | Virgin | N/A | There 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 | All ages | Comprehensive, 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 |
![]() | Woolworths | 79 | Woolworths covers policyholders who are not older than 79 at the time of purchase of its Comprehensive, Basic or Saver policies. The age limit for Annual Multi-Trip policies is 75. | Get quote |
![]() | Worldcare | 85 | Worldcare 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 | 99 | YouGo 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 |
As we age, we become susceptible to an increasing range of health problems. For senior travellers, this means that when you apply for travel insurance there’s a good chance that you will have one or more pre-existing medical conditions.
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 and you’re worried that it could impact your ability to get travel insurance, here’s what you should know:
Keep the following tips in mind to make sure you enjoy a safe and healthy holiday.
Cruise travel insurance is available to people over 65 and offers additional cover for losses that you may incur while on a cruise trip. Your insurer can provide additional cover for the following:
There are many factors that affect the cost of a seniors policy, including:
To give you an idea of how much a policy will cost, check out the examples below.
Go Insurance | Tick Travel Insurance | Online Travel Insurance | American Express | |
---|---|---|---|---|
Destination | Bali | Bali | Bali | Bali |
Policy | Go Basic - Base | Basic | Basic | Basic |
Length of trip | 7 days | 7 days | 7 days | 7 days |
Age of traveller | 65 | 65 | 65 | 65 |
Total cost of cover | $25.65 | $26.87 | $28.02 | $31.50 |
Get quote | Get quote | Get quote | Get 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 Insurance | Online Travel Insurance | Tick Travel Insurance | American Express | |
---|---|---|---|---|
Destination | Bali | Bali | Bali | Bali |
Policy | Go Basic - Base | Basic | Budget | Essential |
Length of trip | 7 days | 7 days | 7days | 7 days |
Age of traveller | 70 | 70 | 70 | 70 |
Total cost of cover | $35.92 | $41.44 | $43.36 | $44.00 |
Get quote | Get quote | Get quote | Get 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 Insurance | American Express | Go Insurance | Tick Travel Insurance | |
---|---|---|---|---|
Destination | Bali | Bali | Bali | Bali |
Policy | Go Basic - Base | Essential | Go Basic | Budget |
Length of trip | 7 days | 7 days | 7 days | 7 days |
Age of traveller | 75 | 75 | 75 | 75 |
Total cost of cover | $35.92 | $50.50 | $51.31 | $59.88 |
Get quote | Get quote | Get quote | Get 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 Express | American Express | Fast Cover | Zoom Travel Insurance | |
---|---|---|---|---|
Destination | Bali | Bali | Bali | Bali |
Policy | Comprehensive | $100.00 | Basics | Comprehensive |
Length of trip | 7 days | 7 days | 7 days | 7 days |
Age of traveller | 80 | 80 | 80 | 80 |
Total cost of cover | $86.00 | $100.00 | $107.90 | $146.72 |
Get quote | Get quote | Get quote | Get 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.
There’s no such thing as a singular policy that’s better than all the rest for mature travellers. Every individual has their own unique cover wants and 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:
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. Want to save money? The following tips could help:
The following travel insurance brands offer cover for seniors, and an exclusive discount on finder.com.au.
Exclusive
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Want to save more on your Tick Travel Insurance policy? Simply enter this code to receive a 10% discount on your cover. |
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Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only! |
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Get 5% off travel insurance with Fast Cover | Get 5% off your travel insurance when you use this coupon code. |
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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.
Unfortunately, from the age of 60, insurers start adding heft age loadings onto 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. This means increased age loadings will apply, while a select few insurers may refuse cover to your age group altogether.
You’ll also need to pay special care to how insurers treat pre-existing conditions, as you may need to complete additional medical forms before you can purchase 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 farewelled the workforce for good. All being well, you’re perfectly placed to pack your bags and head out to see the world.
But finding seniors travel insurance for over 70s can be a tricky business. The cost of cover continues to rise as you age, while a growing number of pre-existing conditions will be automatically excluded by some insurers.
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.
If you're ready to compare seniors travel insurance policies from Australian insurance providers online, enter your travel details into the quote form above (no personal details are required until you're ready to buy!) Always remember to look through the conditions of each policy before submitting your application to ensure that you know exactly what is and isn’t covered.
Get free quotes from 20+ Australian brands
*Quote based on a 7-day trip for a 65-year old going to Bali. Price shown is accurate as of February 2018. Prices are illustrative only and subject to change - for the most accurate pricing, use the quote engine above.
*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.
We are going on a cruise from Rome round trip to Rome then staying a week in one do I select the cruise policy or one trip policy, also is our mobility scooter covered?
Hi Lyn,
Thank you for reaching out to us.
For your cruise, you should be okay with Single Trip. You can check our Cruise Travel insurance page and enter your travel details into our panel then click on ‘Get quote now’ button to compare your options.
Depending on the brand and level of cover you’ll take, you may or may not get cover for scooter. You must confirm this with the insurer to be sure.
I hope this helps.
Please do not hesitate to reach out to us again if you have additional questions.
Cheers,
Ash
I have a condition called Primary Lateral Sclerosis (PLS) are there any Insurers who will not charge me extra if I use them? I don’t mean accept me but, charge me double the normal cost.
Hi John,
Thank you for your comment.
Sorry to hear that you have this kind of condition. Most of the insurers will see this as a pre-existing condition and a high-risk condition. Insurer will assess the nature of the condition and any current treatment you’re undergoing to determine whether or not to provide cover. Remember, each insurer has its own conditions for providing cover and will consider applications on a case by case basis.
It is still worth comparing your travel insurance options to see what cover is available from different providers here. You may also check this page for travel insurance with pre-existing medical conditions. You just need to enter your trip details in the quote engine to compare the policies and prices from Australian brands. Once done, you’ll see the quotes from different insurance providers with the list of detailed benefits.
Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Hope this helps.
Regards,
Jhezelyn
We are 2 fit 64 and 68 year olds who need insurance for a 14 day cycling tour in Japan .Our existing annual policy wants to charge us an extra $638 .This seems OTT . Any suggestions ?
Hello Christine,
Thank you for your inquiry.
finder.com.au is a comparison service and can make general product recommendations. If you would like to compare the options available from the travel insurance for Japan, please enter your travel details into the quote comparison form located on this page.
Please be advised that some insurers may allow you to have duo or family bundle which may include you and your partner in one policy, subject to terms. It is worth noting to review the Product Disclosure Statement as well as the relevant exclusions, as these are equally important as the cost of cover.
Hope this helps.
Cheers,
Jonathan
Female 76 and male 80 require travel insurance for a cruise Hawaii to Sydney Australia. 6 nights pre-cruise Honolulu. Male has pre-condition asthma. Female myasthenia gravis
26 September 2017 to 20 October 2017.
Hi Nem,
Thank you for your inquiry.
As the travellers have pre-existing conditions, they may be able to get cover from the insurance brands listed on this page. To get a quote, please enter their travel details into the panel from that page. You can also read through the page to get a guide on how travel insurance works for those who have pre-existing medical conditions and it’s also best to speak to the insurer about their specific conditions for further advice.
Cheers,
May
I’m 70. In excellent health. I’m looking for an annual travel health plan to cover Usa and Europe. I’m happy to have to have a detailed health check first. I’m happy to have a very high deductible say of $5,000
Any suggestions?
Hi Michael,
Thank you for your question.
finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.
If you would like to compare annual trip policies from the travel insurance brands in our panel, please enter your travel details into the form.
All the best,
Zubair
Need Hospital and Medical for two 77 and 71 year old both with COPD. To the USA from 21 May to 15/17 June
Hi Ronald,
Thank you for your question.
finder.com.au is a comparison and information service and not an insurer.
Unfortunately, we are not able to recommend a specific provider that will provide cover for your condition. You will need to disclose the pre-existing condition prior to purchase the cover.
You may find our travel insurance for pre-existing conditions page helpful.
However, there are two providers in our panel who state that they will consider:
– InsureandGo do not automatically exclude any conditions and claim to assess all conditions on a case-by-case basis.
– CoverMoreCoverMore may be able to cover you for an additional premium, subject to the outcome of a short medical assessment.
Cheers,
Zubair
Would a multi-trip policy cover travel within Australia as well as overseas?
Hi Allan,
Thank you for your question.
Yes, you can get annual multi-trip cover within Australia as well for overseas. If you would like to compare annual multi-trip policies from the travel insurance brands in our panel, please use the travel insurance comparison form on the top of page.
Cheers,
Zubair
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?
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
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
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
Does any insurance company cover people with pre existing conditions eg heart valve replacement, aneurysm repair & by pass
can you find a policy that covers age 85, preexisting Osteoporosis and Parkinsons?
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
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