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Don't pay more than you have to for seniors travel insurance. Whether you're heading away on a cruise, visiting friends overseas or just looking for a new adventure, it's important to be able to get the cover you need without paying too much. Compare options from finder.com.au to find cover with the following characteristics:
- For travellers of all ages
- Without upfront medical assessments
- With unlimited trip cancellation protection
- Specialising in cruise trips
- With free cover for grandchildren
Simply enter your details in the form above to compare quotes from over 20 Australian travel insurance brands. Or keep reading to find out more about how to compare different policy options for senior travellers.
How can this page help me find travel insurance as a senior?
What is the age limit for travel insurance?
| Brand | Standard age limit | Good to know |
|---|---|---|
| 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. |
| American Express | 89 | Cover is provided to travellers under 89 years of age on the Comprehensive and Ultimate Single Trip policies. |
| AIG | 84 | If you're a senior traveller 85 years and over wishing to apply for travel insurance, you'll need to obtain a Mature Age Assessment application from AIG. Those aged 85 years and over, if accepted, will be advised of the premium payable and any additional terms of cover. |
| Australia Post | N/A | No age limit is mentioned in the product disclosure statement (PDS). 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. |
| Blue Monkey | 65 | Cover is available to travellers under the age of 65. |
| 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. |
| 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. |
| Cheap | 65 | Cover is available to travellers under the age of 65. |
| Check-In | 79 | The maximum age covered is 79, on both the Comprehensive and the Basic policies. |
| Citibank | 69 | Citibank single trip provides travel insurance if you're aged between 70-89 years of age. |
| 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. |
| Cover-More | 84 | Cover-More offers travel insurance for people up to 84 years of age. |
| Dodo | 100 | This insurance covers people that are 100 years of age or under on the date of application. |
| Downunder | No limit | 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. |
| 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. |
| Fast Cover | 89 | Travellers 90 years and over are subject to various conditions, depending on the policy. |
| Go Insurance | 75 | This policy is available to anyone aged 75 and under at the time of purchase. |
| InsureandGo | 100 | This travel insurance covers people who are 100 years of age or under on the date of application for the Silver and Gold policies. |
| Insure4Less | 65 | This policy provides cover for travellers aged 65 and under. |
| iTrek | 65 | Cover is available to travellers aged 65 years and under. |
| Multitrip.com.au | 79 | This plan provides cover for travellers who are 79 years or under on the date of application. |
| No Worries | 84 | Cover is available to travellers under the age of 85. |
| Online Travel Insurance | 74 | This policy provides travel insurance for people under the age of 74 for its Comprehensive, Domestic, Basic and Multi-Trip Plans. |
| OverSixty Travel Insurance | All ages | Comprehensive, Domestic and Non-Medical Plans are available to all ages, while the Essentials and Multi-Trip Plans are available to travellers under the age of 74. |
| Professionals Travel Cover | 65 | Cover is available to travellers aged 65 years and under. |
| RACV | N/A | No age limit is mentioned in the product disclosure statement (PDS). However, it is advisable to double check with the provider prior to purchase. |
| Simply | 79 | Simply covers travellers under 79 for its Comprehensive and Australia Only policies; under 74 for its Budget policy, and under 64 for 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. |
| Ski-Insurance.com.au | 64 | Cover is available to travellers aged 64 years and under. |
| Southern Cross | No age limit | Cover is available to travellers of all ages. |
| STA | 74 | Cover is available to travellers under the age of 74 for the Comprehensive, Standard and Cancellation & Luggage policies. |
| 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. |
| 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. |
| 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. |
| Travel Insuranz | 70 | Travel Insuranz offers travel insurance for people under the age of 70. |
| 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. |
| 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. |
| Woolworths | 79 | Woolworths cover 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. |
| 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. |
| 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. |
Am I too old for travel insurance?
Age limits for travel insurance vary between insurers. Most insurers have a number of different policies and cover is generally reduced for older travellers. Below is an example of how different ages may be dealt with by insurers.
| Age | General Policy Access |
|---|---|
| Under 60 | Able to purchase any policy |
| Aged 60 and older | Able to purchase any policy, although an age loading may apply |
| Aged under 75 years of age | Able to purchase policy with reduced cover and benefits |
| Aged under 80 years of age | Able to purchase policy with reduced cover and benefits |
| Aged 80 years and over | May be required to submit medical declaration to be able to purchase policy with reduced benefits |
How is travel insurance for seniors different?
There are a number of different providers that offer policies for people up to the age of 100. However, there are a few things you should be aware of:
- Higher cost of premiums. The cost for seniors is higher than that of younger travellers because of the increased risk of injury or illness that can come with age.
- Some pre-existing conditions may not be covered. Some policies may not cover travellers over a certain age for certain pre-existing medical conditions (eg, asthma may not be covered if you're over 60).
- You might need to apply for a special policy. Some travel insurance brands require you to apply for a special seniors policy when you're above a certain age.
What types of travel insurance are available to seniors in Australia?
There are different types of travel insurance available to people over 65. All you need to do is compare policies to see which one offers the right cover for your travel needs and budget.
Can seniors get annual travel insurance?
- Yes, however there are stricter age caps. While there are providers out there that offer annual travel insurance for seniors, the overwhelming majority caps the age for applicants wanting annual travel insurance. You can find the age limit of annual multi-trip policies here.
Is there cruise travel insurance for people over 65?
Cruise trip travel insurance is available to people over 65 and offers additional cover for losses that may be incurred while on a cruise trip. Additional cover can be provided for the following:
- Medical expenses incurred while at sea
- Medical allowance if you're confined to your cabin
- Cancelled excursions due to bad weather
- Cancellations due to missed cruises
More about cruise travel insurance
The good and not-so-good of seniors travel insurance
Benefits
- Increased competition among insurers has made it easier for seniors to find travel cover.
- A number of insurers now specialise in policies for older travellers.
- You may get cover for certain conditions by providing additional medical evidence.
- Provided you meet the conditions of your policy, you'll be protected if the unforeseen happens.
Drawbacks
- It's generally more expensive compared to insurance for people under 65.
- The age limit for multi-trip policies is usually reduced.
- Not all insurers provide cover to seniors over 70.
- There may be an increased number of exclusions applied to your policy.
Will my pre-existing condition be covered?
One of the major barriers facing seniors looking for travel insurance is whether they have any pre-existing health conditions.
Here's what you should know
- Many brands provide cover for health conditions up to a certain age. Many insurers in Australia exclude applicants over the age of 75 from receiving cover for pre-existing conditions.
- Each brand will have different rules for different pre-existing medical conditions. Some brands will not cover you for stroke if you have had any incidents within the last two years, whilst some other brands will not cover you if you've had any incidents within the last five years.
- Disclosure is required. You'll typically need to declare your pre-existing medical condition with your insurance provider.
See if your pre-existing medical condition is covered with these guides
What is a pre-existing condition?
A pre-existing condition is generally defined as follows:
- An ongoing medical condition or symptom of the condition that the applicant is aware of or complications related to the condition
- A medical or dental condition that is currently being treated or has been treated by a certified medical professional
- Pregnancy
- Conditions that the policyholder treats with prescribed medication
- Conditions that the policyholder has had surgery on in the past.
What types of conditions are usually excluded?
The following conditions are generally excluded from cover on senior travel insurance policies:
- Any type of cancer or secondary cancer the applicant has been previously diagnosed with
- Conditions related to recent surgery that the applicant has had
- Conditions related to brain or spinal surgery
- Mental illness (conditions on mental illness vary greatly between insurers, so it's critical to have a clear understanding of the terms and conditions of this exclusion)
- Chronic or recurring pain that the insured person has consulted a medical practitioner for
- Cardiovascular or cerebrovascular disease
- Organ transplantation, including past and future transplants
- Conditions where there has been a terminal prognosis given with a life expectancy of two years or less
Conditions that are covered and excluded by seniors travel insurance policies vary between insurance brands. It's extremely important to be sure you know what you are covered for prior to submitting your policy application.
Medical tips for senior travellers
- Check with your doctor. Check to see if you have any unknown medical conditions before travelling. It might be worth having a complete medical exam to check for any unknown medical conditions.
- Changes to medication. It is worth checking with your doctor to see if you need to adjust any of your medications based on your destination. Diabetics should check to see if they need to adjust their insulin dosage to account for different time zones.
- 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 as some medication may be illegal in different countries.
- Buying medication overseas. Beware of purchasing prescription medication from different countries overseas as they may be quite different in terms of strength compared to what you are usually prescribed.
- Make sure your vaccinations are up to date. Check to see what (if any) vaccinations you will need before your trip. Older travellers should consider taking medication for pneumococcal disease and influenza.
These are just a few of the medical tips that senior travellers should consider, and they may vary considerably for people in different situations. It's always a good idea to check in with your general practitioner before travelling.
How do I get the best* policy as a pensioner?
Providers usually apply a premium loading on policies as you get older. This makes it even more important for seniors to take the time to compare the different options available in order to get the best* deal.
Tips to find the right policy for your trip
Although the cost of travel insurance for seniors tends to be considerably higher than the cost of travel insurance for younger people, it is still possible to get some reasonable deals on this cover with a little research, particularly if you are a relatively fit and healthy senior. Ask yourself the following questions:
- Who has the best* policy for you? Many seniors are loyal and just go for a provider they know and already have cover with (eg, health insurance). Unfortunately, this tactic is not the most effective way of finding the best* value for money. It's wise to go online and compare policies side by side and decide which policy is best* suited to your needs.
- Have you considered an age specialist? Although some providers avoid offering cover to seniors, there are others that specialise in policies for seniors. As these providers only offer seniors travel insurance policies, you may find the application process a little smoother.
- How much cover do you need? Different providers offer different levels of cover on the policy's features. It is worth assessing what an appropriate amount of cover is for your needs. You may decide to take out a policy with a reduced amount of cover for a lower premium rate.
- Are you eligible for the policy? It is especially important to check the eligibility on the policy you are considering before you spend time checking coverage levels as you may be over the provider's maximum age limit. When you compare policies, check the maximum age limit before you spend time checking the plan for suitability.
- Should you select the optional extras? Most senior travel insurers offer a range of additional options (such as rental excess) that can be added to the policy to give a more comprehensive range of cover.
Can I get a discount on my travel insurance?
The following travel insurance brands offer cover for seniors, and an exclusive discount on finder.com.au.
Exclusive
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After the store tab opens, come back to copy the codeHow can I get cheap* travel insurance?
While some travel insurers don’t offer discounted cover to people over 60 or 70 years of age, there are some ways to get cheap* travel insurance as a senior. These are some of the ways you can keep the cost of your premiums down:
- Choose a lower level of cover. Instead of forking out for a comprehensive policy, consider a basic medical-only policy that only offers essential cover. Alternatively, mid-range policies offer many of the same benefits as comprehensive policies but usually have lower benefit limits and, therefore, a lower price.
- Choose an annual multi-trip policy. If you’re a frequent traveller who takes two or more trips a year, you might be able to save a substantial amount of money by investing in an annual multi-trip policy. This covers all your trips over a 12-month period and is cheaper than taking out a single trip policy for each individual journey.
- Don’t purchase additional options you don’t need. If you don’t really need additional cover for specified items or for a golfing holiday, don’t add these extra benefits to your policy.
- Consider senior-specific travel insurance brands. Brands that claim to cater especially to seniors usually offer policies with the same terms and conditions, as well as being underwritten by the same insurers, as other travel insurance brands.
- Shop around. The most important thing you can do when hunting for discount travel insurance for seniors is compare your options and shop around.
- Free cover for dependents. If you plan on travelling with younger grandchildren, you may be able to get free cover for additional travellers under 21.
I'm ready to apply for cover
If you're ready to compare policies from different Australian insurance providers online, just put 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 insurance policy before submitting your application to ensure that you have an adequate level of cover while travelling.
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.
Ask a Question
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
Early 70s planning 14-21 day trip to Japan. Companies?
Hi Rob,
Thanks for getting in touch. You can get quotes from the brands in our panel by entering your travel details into the quote engine above.
All the best,
Richard
I am booking and pre-paying now for a trip to Darwin on the Ghan in an All Inclusive package holiday and returning to Melbourne by air from Darwin in April next year. Is there a policy that I can take out at the same time to cover me for having to cancel the trip due to unforeseen events before then. ie. cover starting from tomorrow until conclusion of my holiday. I am 71 years of age
Hi Kathy,
Thanks for your question. There are various policies available from the travel insurance brands in our panel that will provide you with this type of cover. However, as every policy is different you will need to review the policy document to make sure you understand what is covered when it comes to cancellation. Most policies will state when you will and (more importantly) won’t have cover for cancellation.
finder.com.au is a comparison service and we are not permitted to make specific product recommendations. If you would like to compare the options available from the travel insurance brands in our panel, please enter your travel details into the quote comparison form above.
I hope this was helpful,
Richard
Is it possible to purchase cover for a one way trip from France to Australia via the USA, I am 72 and am in France and wish to travel home in September.
Hi Arthur,
Thanks for your question. Yes, you can buy one-way travel insurance. For more information, please review our article on travel insurance for one-way travel.
I hope this was helpful,
Richard
My father who will is 88 is hoping to travel to Greece & Italy in October 2017 for my daughter’s wedding. He has a pre-existing condition, he had a urostomy bag attached to his skin to covers his stoma. This was done 3 years ago and apart from that, he is in good health. Would any travel insurance companies provide coverage should any problems arise from this pre-existing condition whilst travelling?
Hi Maria,
Thanks for your question. Unfortunately, criteria for pre-existing conditions vary from insurer so there is not a hard yes or no answer and are generally assessed on a case-by-case basis. However, InsureandGo claim to consider all conditions and