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Seniors travel insurance can help protect your trip from unexpected expenses that come from overseas medical assistance, cancellations and so much more. All ages can get cover since some brands don't have an age limit at all.
As a senior, you may also be interested in cover for pre-existing medical conditions, cruises and domestic travel. Comparing is easy with our quoting tool - enter your details below and choose the best policy for you.
Made a search before? Retrieve your search results
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||Seniors travel insurance included benefits||Apply|
*Table last updated: August 2019
There's not much of a difference when it comes to travel insurance for those over 50, but we did find the following;
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.
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;
|Budget Direct Annual Multi-trip||For trips up to 30 days, comprehensive cover for travellers under 75 years of age.||Get quote|
|InsureandGo Annual Multi-trip||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|
|InsureandGo + Winter Sports cover||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||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|
According to our research, travel insurance doesn't change so much in your 70's except;
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;
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;
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.
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.
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:
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|
|No age limit||
||Up to 92 days||Get quote|
|100 years of age||
||Up to 90 days||Get quote|
|100 years of age||
||Up to 90 days||Get quote|
Maximum trip duration is determined by your specific age and destination
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.
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.
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
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;
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.
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