Seniors travel insurance for Over 60s
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What does seniors travel insurance cover?
Travelling as a senior should be exciting, not stressful. That’s why our seniors travel insurance is designed to cover the unexpected, from minor medical visits to more serious treatments. If your plans change unexpectedly, whether due to illness or unforeseen circumstances, we’ve got you covered for cancellations or trip interruptions. You’ll also have full protection in case of emergency evacuations, delays, or lost luggage.
At 68, travel used to worry me, but this seniors travel insurance changed everything. With comprehensive coverage and warm, responsive support, I now explore the world with confidence. It's truly my trusted travel companion! Every trip is worry‑free!
We offer three levels of travel insurance for you to choose from:
Essentials: A straightforward, no-fuss policy that covers the basics, including emergency evacuations, hospital treatments, cancellations, trip delays, lost or damaged luggage and personal liability. It’s perfect for those who want essential protection without the extras.
Comprehensive: Our top-rated medical protection and cancellation coverage, with higher claim limits and sub-limits. This plan expands on the Essentials by providing more extensive coverage for a worry-free journey.
Elite: The ultimate in protection for senior travellers, offering the most detailed coverage available. This includes all the features of the Comprehensive policy, plus enhanced medical coverage, higher limits on trip cancellations, and additional benefits for peace of mind on even the longest trips.
Types of trips covered by seniors travel insurance
Ocean and river cruises
Scenic tours, including bus and rail journeys
Overseas trips
National park and nature getaways
Cultural and heritage tours
Sightseeing trips
Visiting family and friends
Golfing holidays
Skiing and snow trips
Work-related travel
Domestic travel Australia-wide
Campervan holidays
Hiking adventures
Resort stays
Road trips
Bicycle trips
Optional extras for seniors
How to choose the best travel insurance for seniors
Here are some questions you should ask to help find the best Seniors Travel Insurance:
1. Who’s travelling?
First, consider who will be travelling with you. Are you going solo, or will you be exploring with a partner, family, or even a group? The number of travellers and the type of trip can impact the coverage you need. If you’re travelling alone, an individual policy might be all you need. For couples, look for policies that cover both travellers. We also offer plans for families, covering children and even grandchildren. Group travel may require a tailored policy for multiple people.
2. Where are you going?
Are you heading overseas or are you planning a domestic holiday? Overseas trips might require more comprehensive medical and emergency cover, especially if you’re visiting countries with higher healthcare costs. For domestic travel, a more basic level of cover may be suitable. If you travel frequently throughout the year, an annual multi-trip policy can be a great option, offering coverage for numerous trips over 365 days, saving you time and money.
3. What level of cover do you need?
Consider what level of coverage you’re comfortable with. Essentials provides basic protection, covering emergency medical treatment, cancellations and lost luggage. Comprehensive offers higher claim limits and more extensive protection, especially for medical emergencies and trip cancellations. Elite is the highest level, offering extra security with enhanced medical coverage, higher cancellation limits, and additional travel benefits for those seeking the utmost protection.
"The world is a book, and those who do not travel read only one page."
4. Do you need extra protection?
Depending on your trip, you may want to consider optional add-ons for extra peace of mind. The Cruise Pack covers ocean cruiseliner incidents like missed ports, ship-to-shore evacuation, and up to $1,000 for missed shore excursions. If you're planning adventure activities, the Adventure Sports coverage is perfect for seniors who want to try zip-lining, hiking, skydiving, and more. The Motorcycle / Moped Pack provides coverage if you’re renting a motorcycle or moped while abroad. Lastly, the Snow Pack offers protection for skiing accidents, equipment damage, and even piste closures.
5. Have you checked the excess?
When choosing a policy, it's important to review the excess—the amount you'll pay out of pocket if you need to make a claim. Some of our policies allow you to reduce your premium by selecting a higher excess, while others include a lower excess as part of the cover. Be sure to check the excess for specific claims, such as trip cancellations or rental vehicle damage.
Can you get travel insurance after 70?
Yes, you can get travel insurance with us after 70. We offer policies specifically designed for seniors aged 60 to 99, giving you the coverage you need. When you request a quote, we’ll ask for your date of birth and other details to provide options tailored to your circumstances.
Our seniors travel insurance age limits
Here are our age limits for Seniors Travel Insurance:
| Level of cover | Maximum age limit |
|---|---|
| Basic | 99 |
| Comprehensive | 99 |
| Elite | 99 |
Always refer to our Product Disclosure Statement (PDS) and Target Market Determination (TMD) documents to see if our policies are right for you.
Do seniors need travel insurance?
In most cases, seniors need travel insurance. As we age, our health and travel needs change, and having the right coverage means you’re protected in case something unexpected happens.
Here are some common situations where Aussie seniors might need travel insurance:
Medical emergencies
If you fall ill or get injured while travelling, especially overseas, medical treatment can be expensive. For example, an overnight hospital stay in the United States can cost tens of thousands of dollars. Travel insurance helps cover hospital bills, doctor visits or even prescribed medication.
Trip cancellation
If you need to cancel or delay your trip due to unexpected health issues or family emergencies, our travel insurance policies can reimburse you for non-refundable costs like flights or accommodation, up to $40,000.
Lost or delayed luggage
If your luggage is lost, damaged, or delayed, our policies can help cover the cost of replacing essential items while you wait for your bags to arrive. You can select coverage up to $10,000 for luggage and personal effects, with a single item limit of $2,000.
Travel delays
If your flight is delayed or you miss a connection, we can cover additional accommodation or transport costs until you reach your destination. We provide up to $2,000 for travel delays.
Unexpected events
Whether it’s a natural disaster, political unrest or needing emergency evacuation, our policies can offer support in situations where you may need to return home or require urgent assistance.
Pre-existing conditions
As a senior, you may have pre-existing health conditions that require attention while travelling. Our policies can include coverage for a range of specific pre-existing conditions, such as type-1 diabetes (terms and conditions apply).
You are never too old to set another goal or to dream a new dream
Seniors travelling with pre-existing conditions
When purchasing travel insurance, it’s important to be upfront about any pre-existing medical conditions you may have. At Travelinsurance.com.au, we want to ensure you are fully covered and that you have the right protection in place for your trip. Failing to disclose pre-existing conditions could result in a lack of coverage if you need medical attention while travelling.
What are pre-existing conditions?
Pre-existing conditions are medical conditions or illnesses that you’ve been diagnosed with or have experienced symptoms of before you purchase your travel insurance. These can include chronic conditions like asthma, diabetes, heart disease, or even past surgeries or injuries. If you have a history of any medical issues, it's crucial to disclose them when applying for insurance.
Why is disclosure important?
When you disclose your pre-existing conditions, we can assess your specific risks and offer you tailored coverage. By providing full details, we can ensure that you’re covered for any medical treatment or emergencies related to your pre-existing conditions while abroad. If we’re not informed about a pre-existing condition, we may not cover treatment related to that condition if something happens during your trip.
What you need to disclose
We recommend that seniors disclose the following:
- Any ongoing medical conditions or treatments
- Medications you are currently taking
- Recent surgeries, injuries, or hospitalisations
- Any chronic conditions or health concerns that may require attention while travelling
- Any known symptoms or conditions that have not yet been formally diagnosed but could pose a risk during your trip
Why choose us for seniors travel insurance?
Choosing us for seniors travel insurance means you’re in trusted hands. Since 1999, TravelInsurance.com.au has helped thousands of Australians compare and purchase their travel insurance online, making sure they're fully covered before they even leave home.
We offer 24/7 support and a quick, hassle-free claims service, so you can rest easy knowing we'll always have your back. Don’t leave your travel plans to chance—get the coverage you deserve and travel with confidence. Start your quote today!
Affordable, reliable, and gave me total security throughout my trip. I’ll never travel again without it!
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