Seniors Travel Insurance

Over 65? Easily compare travel insurance policies for you.

No matter your age or pre-existing conditions, you can still get travel insurance for a worry-free holiday. Join over 59,000* pensioners who have found travel insurance on Finder. Start by telling us about your trip.

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_{*Survey of Australians' Travel Insurance Behaviour by Smartraveller (June 2017)}

Here's how to find the best seniors travel insurance

We recommend getting a policy that offers comprehensive coverage and includes the following as part of your travel insurance plan when you're elderly.

• Unlimited medical assistance: For if something happens to you while you're away requiring you to go to local doctors or hospitals.
• Unlimited cancellation: For if something happens to you or a family member before you leave requiring you to cancel your trip.
• Coverage for delays: For if you require an additional night's hotel, for example, if you have change in your schedule.

Looking for the most comprehensive cover is easy when you use our search tool, thanks to the finder rating. Just enter the destination where you’re going, for how long and your age and we’ll sort out our top rated products. The higher the rating, the more comprehensive the policy.

We clearly label each policy with the finder rating right along with the inclusions with each policy (which you can see by clicking the "More info+" tab. Here's what you can expect to see.

*Note that the prices will change depending on where you're going, your age and how long. The prices, captured on 20 September 2018, on this screenshot are based on a 65-year-old traveller going to Bali for eight days.

Age limits for pensioners travel insurance

No matter how old you are, you will be able to find travel insurance. However, as you get older your options for travel insurers does get a little smaller, which is why we’ve broken down who offers cover and to what age in the tabs below.

• Over 65
• Over 70
• Over 75
• Over 80
• Over 85

	Brand	Standard age limit	Get quote
	1Cover	74	Get quote
	AllClear	No age limit	Get quote
	American Express	89	Get quote
	Australia Post	84	Get quote
	Boomers	74	Get quote
	Budget Direct	100	Get quote
	Columbus Direct	84	Get quote
	Cover-More	84	Get quote
	Fast Cover	89	Get quote
	InsureandGo	100	Get quote
	Medibank Travel Insurance	Not stated on the PDS	Get quote
	Online Travel Insurance	74	Get quote
	RACV Travel Insurance	110	Get Quote
	Tick	100	Get quote
	Travel Insurance Direct	81	Get quote
	Travel Insurance Saver	79	Get quote
	Travel Insuranz	70	Get quote
	Virgin	120	Get quote
	Webjet	No age limit	Get quote
	Worldcare	85	Get quote

Can I get seniors travel insurance if I have pre-existing conditions?

If you want your pre-existing conditions to be covered in your policy, you'll need to disclose them during the application process, as this could affect whether or not you can get cover and the price of your premium.

If you don't claim it at the beginning and something does happen while you're travelling, you may not be covered.

When it comes to pre-existing conditions for pensioners travel insurance, there are a few important things to remember:

• Some conditions are automatically covered.
• Certain conditions that are covered have an age limit (For example, they may only cover asthma if you're younger than 70)
• You can choose not to get covered for your condition if you don't want to pay a premium (Just remember that it's not going to be covered if something happens!)

Which conditions are usually excluded for the elderly?

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

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

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

All Clear Travel Insurance specialise in medical travel insurance and cover many conditions not typically covered by other travel insurance brands including a range of cancer types at various stages and even terminal illnesses so long as you’ve got a prognosis of more than six months and a doctor has certified that you’re “fit” to travel.

Brands	Product	Product Details	Apply
	Gold Plus Cover	$15,000,000 overseas medical expenses $2,000,000 personal liability Unlimited cancellation fee $20,000 death cover	Get quoteMore info
	Gold Cover	$10,000,000 overseas medical expenses $2,000,000 personal liability 12,000 cancellation fee $20,000 death cover	Get quoteMore info

While not a specialist medical travel insurer, InsureandGo claim to consider all conditions. In either case, you can expect to complete a medical screening and if you’re approved, pay an additional premium for your condition.

Can seniors get annual travel insurance?

Yes, however the policies may change slightly depending on your age - including an upper age limit with most brands. Refer to the table on our annual multi-trip travel insurance page for a list of our partner brands and the conditions for trip length and age.

For an example, we requested a quote from InsureandGo for a traveller who is after a worldwide policy for two weeks, starting from the age of 50, for the Gold policy. We used the same data to get a quote for an annual policy.

Can I get annual travel insurance if I have a pre-existing condition?

One of the possible drawbacks of annual multi-trip policies is that many insurers do not cover the same pre-existing medical conditions that they often do in single-trip policies, regardless of age.

Insurers may be reluctant to cover pre-existing medical conditions in their annual policies due to the additional risk. The likelihood of you suffering an illness or injury due to a pre-existing condition increases the longer you have cover and the more trips you take, so they may deem a 12-month period of unlimited trips to be an unacceptable risk when compared with providing cover for a single one-off trip.

Does seniors travel insurance cover cruises?

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

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

Can I get cruise travel insurance for pre-existing medical conditions?

As with all travel insurance, cover for pre-existing medical conditions will depend on the type of condition you have, how old you are (some conditions have age limitations), how severe your condition is and whether it’s being successfully controlled by medication or other means.

All insurers have a list of conditions they will cover automatically. If your condition is not listed in the product disclosure statement (PDS), you may need to undergo a medical assessment and pay a higher premium to obtain cover.

There are also some conditions that insurers will not cover under any circumstances, such as cancers and terminal illnesses. If you fall into this category, you may have to consider purchasing cruise travel insurance for seniors that excludes cover for your pre-existing medical condition.

Compare cruise-specific travel insurance now

How much does travel insurance for the elderly cost?

Cover does get more expensive as you get older it doesn’t always to break the bank, with cover starting from as little as $4 per day.

We got this rate when we quoted a single 65 year old going to Bali for one week, with no preexisting conditions. (Quote ref: 2C7BE01A)

There are many factors that affect the cost of a travel insurance policy for elderly people, including:

• Your age. As a general rule, the older you are, the more you’ll have to pay for a policy.
• Your pre-existing conditions. If you have a pre-existing condition that isn’t automatically covered, the insurer may agree to cover it if you provide further medical information and pay an additional fee.
• Your travel plans. Where you’re travelling and how long you’ll be going for can influence the cost of cover. You may also need to purchase additional cover for your specific trip, for example if you want golf travel insurance or cruise travel insurance.
• The level of cover you choose. Comprehensive cover costs more than policies that only cover the essentials, but it also covers a lot more.
• Any discounts that apply. Many insurers offer discounted cover to seniors. You may also be able to access discounts for buying online, for using special promo codes and coupons, or for holding multiple policies (e.g. car insurance, home and contents insurance and travel insurance) with the same provider.

To give you an idea of how much a policy will cost, check out the examples below.

• Travellers aged 65
• Travellers aged 70
• Travellers aged 75
• Travellers aged 80+

Cheapest seniors travel insurance

If price is a concern, you can filter the results from lowest to most expensive using the finder.com.au search tool.

However, while the cheapest policy may save you in the short term, it might end up costing you more in the long term if you need to make a claim.

If finding a cheap policy is important to you, make sure it provides you with at least a high level of cover for overseas medical and some cover for the other items outlined in the best section.

You can also use the finder rating as a guide to how comprehensive a policy is when trying to decide on which policy is right for you.

Travel insurance discounts to help you save

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

Medibank Travel Insurance Deals

15% off travel insurance + chance to win $1000 gift card

Medibank customers can save on the next travel insurance policy plus have a chance to win one EFTPOS gift card. T&Cs apply

Last verified 5 Feb 2019

Get deal

Deal ends 18 Mar 2019

Tick Travel Insurance

Exclusive

Get 5% off all Tick travel insurance policies

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

Last verified 5 Feb 2019

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Budget Direct Travel Insurance Deals

15% off travel insurance + chance to win $10,000

Save on your policy to destinations worldwide, including Bali, Thailand, the US, UK, New Zealand and more when purchased online. Plus, have a chance to win a $10,000 cash prize.

Last verified 5 Feb 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 5 Feb 2019

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YouGo Travel Insurance Deals

Exclusive

Save 10% on YouGo travel insurance

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

Last verified 5 Feb 2019

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Seniors travel insurance discount codes

Seniors Travel FAQs

• Will my seniors travel insurance policy also cover my grandchildren?

  Yes, many insurers will automatically include cover for grandkids travelling with you provided that they’re under the age of 21, are listed on your policy and are not working full-time.Some will even cover grandchildren up to 25, like Boomers.

• 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.

Get free quotes from 20+ Australian brands

*The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the terms "Best" and "Top" are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
Icons made by Dimitry Miroliubov, Freepik, Smashicons, Nhor Phai from www.flaticon.com is licensed by CC 3.0 BY

**Based on the CoreData - Senior Travel Survey (December 2016)

Pictures: Shutterstock and Unsplash