Travel insurance for over 75s

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Some insurers will require you to take out comprehensive cover rather than basic policies. Don't worry, this won't make your search harder. Simply add your details to our search tool below and only your eligible policies will appear.

What types of cover are available for over 75s?

There are a variety of travel insurance options available to over 75s. First, decide between three levels of cover:

• Basic (or medical cover only). This no-frills level of cover provides 24/7 emergency assistance and covers overseas medical and hospital expenses.
• Essentials cover. This is a mid-range level of cover that includes 24/7 emergency assistance, medical and hospital cover, trip cancellations and delays, and lost, stolen or damaged luggage and personal belongings.
• Comprehensive cover. This is the highest level of cover for maximum peace of mind. As well as everything in Essentials cover, it includes cover for loss and damage to travel documents, luggage delay, theft of cash, rental vehicle excess, hospital cash allowance, personal liability, accidental death and more.

As well as three levels of cover, over 75s can choose from two types of travel insurance policies:

• Single-trip. The most common type of cover, which covers you from the time you take out your policy to the time you return home.
• Annual multi-trip. An annual policy offers cover for multiple trips within a year and provides a cost-effective alternative for those who travel frequently.

You can also choose between domestic and overseas cover, depending on your destination.

Can I get travel insurance for over 75s with pre-existing medical conditions?

That depends. Many insurers provide automatic cover for a range of minor pre-existing conditions as well as cover for more serious conditions subject to further assessment such as a medical examination.

Generally, a pre-existing medical condition is defined by insurers as a condition that meets one or more of the following:

• You are aware of it prior to applying for insurance
• You are having or have had treatment for it in the past
• You are treating it with prescribed medication
• You previously had surgery for it.

The Product Disclosure Statement (PDS) will list the conditions that are not covered under any circumstances, such as serious illnesses, heart disease and cancer.

It’s important that you declare any pre-existing medical conditions to your insurer at the time of applying for cover. If you don’t, any medical treatment you receive overseas in relation to that condition won’t be covered.

For travel insurance over 75, some insurers will require you to complete a medical questionnaire.

What are the age restrictions of different brands?

We've done the research and found the following brands that will cover you if you're over 75 years old.

Brand	Conditions	Apply
	Available to travellers up to 99 years of age.	Get quote
	Available to travellers up to 99 years of age.	Get quote
	Available to travellers up to 85 years of age.	Get quote
	Available to travellers up to 89 years of age.	Get quote
	If you are aged 100 or under you may purchase your travel insurance from InsureandGo.	Get quote
	Tick Travel Insurance only provide online quotes for travellers under the age of 100.	Get quote
	Available to travellers up to 99 years of age.	Get quote
	Available to travellers up to 118 years of age.
	Available to travellers up to 110 years of age.	More info
	Available to travellers up to 125 years of age.	Get quote
	Available to travellers up to 99 years of age.	Get quote
	Available to travellers up to 99 years of age.	Get quote
	Available to travellers up to 130 years of age.	More info
	Available to travellers up to 120 years of age.

^{Note: This information was last updated June 2025}

Apart from my age, what else impacts the cost of my cover?

While age and pre-existing medical conditions are the main determinants in how much over 75s pay for travel insurance, there are other factors that influence price as well:

• Your trip. You will pay more or less for your insurance depending on the type of trip you are taking (such as a backpacker’s holiday or a guided tour), the duration of your trip, where you are travelling (some destinations are considered more dangerous than others) and what you will be doing while you are there (such as driving, riding a motorcycle or participating in risky sports or activities).
• Your policy. The level of cover you opt for will also determine the price you pay, as will the benefit limits you select (the higher the limit the more expensive the policy) and the options you choose to include (cover for expensive items will cost you an additional fee).

How can I get cheap travel insurance for over 75s?

It's likely that you will pay more for travel insurance because you are over 75, so it's important to save money on your policy wherever you can, without compromising your cover. Here are some ways you can achieve this:

• Buy online rather than through a travel agent or airline, as you'll probably get a discount, may find a coupon code and you won't have to pay the hefty commission that agents add to the price.
• If you're planning to take more than one trip in a year, consider an annual multi-trip policy rather than taking out a separate policy each time you travel.
• If you're travelling in a group, such as with family members, consider taking out a joint policy or ask your insurer about a group discount.
• If you already have home and contents insurance and credit card insurance, use them to supplement your travel insurance needs.
• Shop around on comparison websites for the best deal and get quotes from different insurers before settling on the best policy (not necessarily the cheapest, but the one offering the best value for money).

Compare policies that cover over 75 travellers

Frequently asked questions

• What if my medical condition changes after I buy my policy but before I travel?

  It is vital to inform your insurer immediately if there are any changes to your medical conditions or health status after purchasing your policy but before you depart. Failing to do so could void your cover if you need to make a claim related to the undeclared change. The insurer will assess the new information and may adjust your premium, apply new exclusions or cancel your policy.

• Does travel insurance for over 75s cover mobility aids or medical equipment?

  Many comprehensive travel insurance policies for over 75s can cover loss, theft or damage to essential mobility aids and medical equipment such as wheelchairs, walkers or CPAP machines. However, cover limits may apply and you will usually need to declare these items when purchasing your policy. Always check the Product Disclosure Statement for specific details and confirm with your insurer if you have expensive items.

• Are there common exclusions for over 75s that I should be aware of?

  Yes, some common exclusions might apply to travellers over 75. These can include medical conditions you did not declare or that the insurer explicitly excluded, travelling against medical advice or after receiving a terminal diagnosis. Risky activities such as adventure sports or motorcycling may also be excluded or require an additional premium. Always read your policy's PDS carefully.

• How long can I travel for if I am over 75?

  The maximum duration for travel insurance policies can vary, particularly for travellers over 75. While some insurers may offer policies for trips up to 90 or 180 days, others might have shorter limits of 30 or 60 days. A few specialised insurers may provide cover for longer trips or offer extensions. It is essential to check the maximum trip duration offered by each policy when comparing options.

• Can I get cover if I have multiple pre-existing medical conditions?

  It is often possible to get cover even if you have multiple pre-existing medical conditions. However, the process may involve a more thorough medical assessment, higher premiums or specific exclusions related to those conditions. You must declare all your pre-existing conditions to the insurer to ensure your cover remains valid. Some insurers specialise in covering travellers with complex medical histories.

• What if I need emergency medical assistance while overseas?

  If you need emergency medical assistance overseas your travel insurance policy will typically provide access to a 24/7 emergency assistance team. This team can help coordinate medical care, arrange hospital transfers or even medical evacuations. You should contact them as soon as possible. Having this support is crucial because overseas medical costs can be extremely high.

• What is a travel insurance excess and how does it apply to over 75s?

  A travel insurance excess is the amount you agree to pay out of your own pocket towards the cost of a claim before your insurer pays the rest. For over 75s, the standard excess amount might be higher on some policies or for claims related to certain medical conditions. You can often choose a higher excess to lower your premium or a lower excess for more comprehensive claim payouts.

This article was reviewed on 30 June by James Martin. James is the insurance editor at Finder and he's written on a range of insurance and finance topics for over 7 years.

Written by

Richard Laycock

Editor

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Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance. See full bio

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James Martin

Journalist

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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