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Travel insurance for over 75s

Travel insurance for over 75s can cover your medical expenses, trip cancellation costs, cruises and more. Keep an eye out for any policy restrictions that apply.

What you need to know

  • Travel insurance gets more expensive as you get older, to reflect the added risk of needing to claim for health related issues and injuries.
  • You may find age limits apply to some of the optional add-ons to your policy, such as motorcycle cover.
  • About a third of travel insurers in Australia will include some COVID cover.

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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.

Medibank Travel InsuranceAvailable to travellers up to 99 years of age.
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Freely LogoAvailable to travellers up to 99 years of age.
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Zoom logoAvailable to travellers up to 85 years of age.
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Fast Cover LogoAvailable to travellers up to 89 years of age.
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insureandgoIf you are aged 100 or under you may purchase your travel insurance from InsureandGo.
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Tick LogoTick Travel Insurance only provide online quotes for travellers under the age of 100.
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Covermore logoAvailable to travellers up to 99 years of age.
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Southern Cross LogoSCTIAvailable to travellers up to 118 years of age.
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Travel Insurance SaverAvailable to travellers up to 110 years of age.
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Easy travel insurance logoAvailable to travellers up to 125 years of age.
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Stella travel insurance logoAvailable to travellers up to 99 years of age.
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Australia PostAvailable to travellers up to 99 years of age.
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1-cover-new1Available to travellers up to 130 years of age.More info
worldcare travel insurance logoAvailable to travellers up to 120 years of age.More info

Note: This information was last updated April 2024

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).
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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).
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Frequently asked questions

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

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2 Responses

    Default Gravatar
    LyndaApril 9, 2022

    We hold dual citizenship Aus/UK and are visiting family. We will be covered by the NHS, are not worried about theft or loss so would just like to be covered for the flights both ways, not the period in between. Is that possible?

      JamesApril 22, 2022Finder

      Hi Lynda,

      It is possible to find flight insurance plans, as our guide explains. However, coverage will be limited only to unexpected events linked to your air travel.

      It’s worth keeping in mind comprehensive travel insurance offers wide ranging cover that goes beyond the insurance types you mention above. It can also cover you for personal liability, rental car excess, tour bookings and more. You can read more on this in our guide:

      I hope this helps.


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