Seniors travel insurance

You can expect to pay a bit more for seniors travel insurance – especially to cover any pre-existing conditions – but it's important find a policy tailored to your needs as you get older.

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What you need to know

  • Seniors travel insurance can offer more benefits than standard cover, such as added emergency and medical expenses cover.
  • You must disclose any pre-existing medical conditions, such as diabetes or heart ailments, or you run the risk of voiding your policy.
  • Providers who offer COVID-19 coverage include brands such as Fast Cover and Travel Insurance Saver.

Compare travel insurance for seniors quotes

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What is seniors travel insurance?

Seniors travel insurance is similar to a regular policy but includes benefits more suited to older travellers. For example, it can offer more cover for some medical treatment, cruise cover and specialist equipment such as hearing aids (but do check for single item limits).

Travel insurance for seniors often includes increased age limits as well as:

  • Cover for pre-existing medical conditions
  • Added insurance for overseas medical costs (including emergency transport if needed)
  • Cover for your children or grandchildren, if they’re travelling with you.

This is in addition to the important covers that come with standard travel insurance, such as trip cancellation cover; theft, loss or damage to your luggage and personal items; legal liability cover.

Find travel insurance with pre-existing conditions

A pre-existing condition is essentially an ongoing medical condition that you are aware of. Here are some brands that consider all pre-existing medical conditions, typically through an online assessment:

BrandsAge limitPolicy typeMaximum trip duration*Apply


Cover for all ages
  • Gold Plus
  • Gold
Up to 92 daysMore info
InsureandGo Logo


100 years of age
  • Gold
  • Silver
Up to 90 days
Get quote
Travel insurance saver logo

Travel Insurance Saver

No age limit
  • Australia Travel
  • Comprehensive
  • Annual Multi Trip
Up to 45 days
Get quote
Tick Logo


100 years of age
  • Top
  • Standard
Up to 90 days
Get quote

*Maximum trip duration is determined by your specific age and destination

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What else should I know about travel insurance for seniors?

Here are a few key points you should be aware of when searching for the right policy for seniors:

  • Cover costs more for seniors. The risk of illness and injury is higher as you age, so the cost of cover also increases. Once you reach 60 years of age, many insurers will start applying an age loading to your policy.
  • Fewer pre-existing conditions covered. Some pre-existing conditions that are automatically covered for younger travellers may not be covered for travellers 60 years or older. On such example being asthma.
  • Terms and conditions differ. Different insurers impose different restrictions and exclusions on cover for seniors with pre-existing conditions. For example, if you've previously suffered a stroke, some insurers will not cover you if you've had any incidents in the past five years, while others only require you to not have had any incidents in the past two years.
  • Age limits apply. Most – but not all – providers set maximum age limits on their policies, so you'll need to check the fine print to make sure you're eligible for cover. While some providers set this limit as low as 65 years of age, others will cover you up to 100 years or even older.
  • Disclose everything. Don't be tempted to save on the cost of cover by withholding information from your insurer. Disclose all the details of your pre-existing conditions when you apply for a policy.

Travel insurance and pre-existing conditions

How your age affects travel insurance

From researching different brands, we have found a few ways that travel insurance changes based on your age. Major differences include reduced cover limits, reduced trip durations and less cover for pre-existing medical conditions.

There's not much of a difference when it comes to travel insurance for those over 50, but we did find the following:

  • Diabetes mellitus (Type 1 and 2) is no longer automatically covered by some insurers if you're over 50
  • A slight increase in premiums

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 Cover-More 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 premiums starts to become noticeable.

We researched a few policies and found a few restrictions and exclusions for travellers over 65.

  • You may no longer be eligible to purchase annual or frequent traveller policies with some brands. Here are a couple of brands that will still offer annual or frequent traveller policies for travellers over 65:
Brand/Policy typeConditionsApply
Budget Direct Annual Multi-trip

Budget Direct

For trips up to 30 days, comprehensive cover for travellers under 75 years of age.
InsureandGo Annual Multi-tripInsureandGo LogoFor trips up to 30, 45 or 60 days at a time. Cover is available for those up to 100 years of age, but the maximum trip duration may be restricted depending on your age.Get quote
  • You may have trouble getting cover for winter sports, which is excluded by brands like 1Cover. Here are a couple of brands that may still offer cover for winter sports if you're over 65:
Brand/Policy typeConditionsApply
InsureandGo + Winter Sports cover


This includes cover for medical attention on the slopes, equipment and other prepaid expenses. InsureandGo has this option available to those up to 100 years of age.Get quote
Travel with Kit + Snow Pack

Travel with Kit

Cover for your winter sport activities and related expenses. Travel with Kit offers this add-on to anyone up to the age of 99.
  • You may notice that insurers will only cover you for trips up to 90 days. You can still search on our comparison tool and you'll see the brands that still offer more long-term cover.
  • Some benefits might be lessened.

According to our research, travel insurance doesn't change so much in your 70s except for the following:

  • The price of your premium may increase
  • Some inclusions may decrease

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:

  • Some insurers will require you to take out comprehensive cover (which is never a bad idea no matter what age you are), which means that essential or basic policies are no longer an option. Don't worry, this won't make your search harder. Simply add your details into our search tool and only your eligible policies will appear.
  • You may also find that there are age limits to some of the optional add-ons to your policy, such as adventure and motorcycle packs.

There are still plenty of brands that insure travellers over 80. Some insurers can cover those over 100 years of age. Obviously, extra premiums will be payable, and you'll need to pay close attention to make sure you disclose any pre-existing medical conditions for cover. Here are some other considerations:

  • Some insurers may charge an increased excess for medical-related claims
  • Limits for cover of accidental death and cancellations may not be included or reduced

Start looking for the best travel insurance for you

Can I get domestic travel insurance for seniors?

Travelling in Australia is hugely popular for seniors. For most insurers, you can take out a domestic policy if you're travelling at least 250km away from home.

Since medical cover is not included in domestic travel insurance, it's easier for seniors to qualify for this type of policy. Handy benefits for seniors when travelling within Australia include the following:

  • Cancellation cover for accommodation and ticketed events
  • Rental car excess insurance if you're hiring a car
  • Luggage cover for theft and damage to your belongings

Domestic travel insurance

Can I get seniors travel insurance for cruises?

Yes, most seniors Cruise ship are mainly concerned with on-board medical cover and emergency evacuation, which is automatically included in a lot of travel insurance policies. Always check directly with your chosen insurer for specific details. If you need to declare that you're going on a cruise, you will be able to do so during the online application process.

If you prefer to have the most comprehensive cover for peace of mind, many insurers offer add-on cruise packs that can provide cover for the following:

  • Pre-paid shore excursion cancellation
  • Missed cruise departure
  • Cabin confinement
  • Missed port cover
  • Formal attire cover

Cruise travel insurance

Can seniors get annual travel insurance?

Yes, as a senior, when you're looking for annual multi-trip travel insurance, it's good to know the following:

  • Maximum age limits. While it gets harder to find an annual policy as you get older, there are some brands that offer annual policies if you're 100 years old.
  • Reduced maximum trip durations. Standard annual multi-trip policies can have a maximum trip duration of up to 90 days at a time. If you're a senior traveller, this might be reduced to 30 days.

It can be a bit harder for those over 75, but it's still possible. Here are a couple of brands that have higher age limits for annual multi-trip policies.

Policy type/ BrandMaximum ageMaximum trip durationApply
InsureandGo Logo


Up to 100 years30 days
Get quote
Gold + Gold Plus All Clear LogoAll ages31 daysMore info
Annual Multi-Trip Travel insurance saver logoAll ages45 days
Get quote

Find out more about annual travel insurance

How can I find cheap travel insurance for seniors?

While we all love a bargain, Price tag 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. Here are some ways to save:

  • Consider a specialist insurer. Some insurance providers specialise in offering cover to senior travellers. With features and benefits designed to suit older Australians, these insurers may be able to offer affordable policies to suit you.
  • Choose a higher excess. A policy's excess is the amount you need to contribute towards a claim. As you get older, some insurers offer an increased excess for medical claims. If you can afford to choose a higher excess, this could be one way to lower the cost of your policy.
  • Free cover for dependants. If you're planning on travelling with your grandkids, it could be worth searching for a policy that provides free cover for your dependants up to a certain age, usually up to 18-21.
  • Research and compare. No matter how old you are, the most important thing you can do when choosing travel insurance is to compare multiple policies. Look at the features, exclusions, limits and cost of a range of policies to decide which one is right for you.
  • Use discounts and coupons. Some insurers will offer you a discount if you hold multiple policies with the same provider (e.g. car insurance, home and contents insurance, etc). You can also take advantage of online discounts to save some extra money.

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.

Frequently Asked Questions

Back to top

More guides on Finder

  • Travel insurance for over 70s

    Over 70 and need travel insurance? Compare your options to get affordable cover for what matters.

  • Travel insurance for seniors over 80

    Travel insurance is an essential expense for anyone planning a trip overseas, though sometimes it can be difficult to find cover if you are over 80 years of age.

  • Travel insurance for over 85

    Guide to finding travel insurance if you're over 85 years of age.

  • Travel insurance for over 75s

    What you need to know about getting travel insurance when over 75 years of age.

  • Travel insurance for over 65s

    What is seniors travel insurance and why do I have to pay more than someone younger? What are pre-existing medical conditions and why won’t many insurers cover them? Find out the answers to these and other questions in this handy guide to travel insurance for over 65s.

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63 Responses

    Default Gravatar
    roySeptember 2, 2021

    Hi Im trying to get my policy no , so I can clam my insurance for cancelled trip
    Thanks Roy

      Avatarfinder Customer Care
      JamesSeptember 10, 2021Staff

      Hi Roy,

      I’m sorry to learn that your trip was canceled. I can understand how disappointing this must be.

      You can find your insurance policy number by checking your policy document/contract. And if you have online access to your account, you can also go to your policy provider’s website and log in to your account to know your policy number.

      I hope this helps,


    Default Gravatar
    NikkiOctober 16, 2019

    Hi S,

    Thanks for getting in touch!

    The one insured in the policy is the only person who is covered in the policy. The guardian/family member would need to have one and separate travel insurance.

    You will find an online form on the page that will ask you to enter details of the trip. Enter all the information needed and click the ‘Get my quote’ button. This will lead you to another page that shows the insurers (according to your info) that may cover you.

    You can find other filters on the left part of the page. You can compare the insurers by medical, cancellation, and excess cover, and price. To choose an insurer, simply click the ‘Go to site’ button to be redirected to their official website. Know that this is the stage to start your application.

    As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

    Hope this helps and feel free to reach out to us again for further assistance.

    Safe travels,

    Default Gravatar
    PeteFebruary 26, 2019

    Looking for the cheapest travel insurance to cover us for delay or cancellation or accident which may prevent us from completing the journey as per schedule. We are leaving from Gladstone and sailing out to Heron Island. Medical cover is not required as we are staying on Oz territory.

      Avatarfinder Customer Care
      JeniMarch 1, 2019Staff

      Hi Pete,

      Thank you for getting in touch with Finder.

      You’re currently at the right page. Kindly enter your details in the table like the date and destinations as well as the age of traveller/s then click on the get quote button to start comparing your options. Once the page has updated its info, at the left side of the page you may click on your needs under Required cover options and Specific cover types – for cruise cover. Once you have chosen the cheapest insurer, please click on the green go to site button or get quote button to be redirected to the insurer’s official page to learn more on their products or start your online application.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    BelindaDecember 17, 2018

    I would like a quote please for travel insurance cover for two of us. We are both 61; my husband, Warren, is still working. He has a National Seniors card and I have a Victorian Seniors card. We are doing a fully escorted tour of NZ, which includes flights there and back, of course, coach, rail and cruise tours [lakes and rivers]. Our travel dates from Melbourne are Tuesday 17th September, returning to Melbourne on Tuesday 8th October, 2019.
    Thanks from Belinda Smeal

      Avatarfinder Customer Care
      JohnDecember 19, 2018Staff

      Hi Belinda,

      Thank you for reaching out to finder.

      In getting a quote for travel insurance, we are on the right page. You just need to complete the details required via the form provided on this page and click on the green “Get my quote” button to see a panel of lenders that you could reach out to in taking out a travel insurance. Hope this helps!


    Default Gravatar
    JanNovember 9, 2018

    Cost of travel insurance for 18 days cruising around Australia only.

      Avatarfinder Customer Care
      JeniNovember 9, 2018Staff

      Hi Jan,

      Thank you for getting in touch with Finder.

      On this page, you may read more on senior’s travel insurance cover cruises. Some insurers offer cover for seniors from our list of cruise travel insurance page. You can use the table to compare brands side-by-side. You can also use cruise travel insurance form. Simply input your details on the table then click on the “Get my quote” button to see and compare your options. If you have further enquiries on your cruise travel insurance, it is best to contact your chosen insurers as they more accurate info to answer your travel insurance queries.

      I hope this helps.

      Please feel free to reach out to us if you have any other inquiries.

      Thank you and have a wonderful day!


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