Travel Insurance for Seniors
Quality travel insurance you can customise to meet your needs
Your 'golden years' aren't meant for sitting at home – they're the perfect time to explore the world. But before you head off, it’s important to consider finding the right seniors travel insurance cover for you.
At Cover-More, we offer comprehensive travel insurance plans with world-class medical assistance to support our mature travellers if something goes wrong on their trip. So, if you’re over 65 and want great quality cover for your travels, we’re here to help.
Find out more about the international and domestic travel insurance cover for seniors below, or get the answers to all our most commonly asked questions at our Seniors Travel Insurance Cover FAQs page. You can also skip ahead to see what existing medical conditions we can cover.
Ready to buy? Get a free online quote or call our helpful Phone Sales team on 1300 72 88 22.
Skip to read:
- Why do I need seniors travel insurance?
- Does Cover-More offer seniors travel insurance cover?
- What are the benefits of Cover-More travel insurance?
- What Cover-More travel insurance plan is right for me?
- Does Cover-More offer seniors travel insurance for cruises?
- Is there an age restriction for seniors travel insurance?
- Can I get Cover-More travel insurance if I have an existing medical condition?
- How do I disclose an existing medical condition to Cover-More?
- Why is seniors travel insurance more expensive?
Why do I need travel insurance?
If you’re dreaming of taking a trip of a lifetime, there are many reasons travel insurance is important – and even more reasons for seniors.
You may not be as fit and healthy as you used to be, and medical costs overseas can be huge should something go wrong. A trip to the hospital for gastro in Australia may be covered by Medicare or your private health insurance, but in the USA, it can end up costing you a lot.
Your chances of robbery increase as a senior, too, with thieves targeting older travellers. Travel insurance can help protect you and your belongings financially on your trip.
Need some travel inspiration to help decide on where your next trip should be? Check out these best destinations for seniors.
Does Cover-More offer seniors travel insurance cover?
Finding the right travel insurance over 70 can seem tricky, but it doesn’t have to be.
At Cover-More, we offer a range of travel insurance plans. Rather than a dedicated seniors travel insurance plan, we offer older adventurers like you the chance to choose the best plan for you from our range of options.
Whether you’re looking for domestic travel insurance for seniors, seniors travel insurance cover for cruises, or seniors travel insurance cover for a round-the-world adventure, we can help protect your holiday.
What are the benefits of Cover-More travel insurance?
Our comprehensive plans provide the greatest coverage benefits while travelling abroad. Some of the most popular benefits for senior travellers include:
- 24/7 emergency medical and travel assistance
- $Unlimited overseas medical expenses~
- Emergency overseas dental cover
- Lost or delayed luggage allowance
- Cover and assistance for if you lose travel documents, including passports, credit cards and traveller’s cheques replacement
- Travel delay expenses
- Rental vehicle insurance excess
Our senior travellers also enjoy access to an Australian-based doctor while you’re overseas via our TravelGP# service. Our TravelGP# can provide health tips and advice on doctors or hospitals to visit near you. Read more about the benefits of our travel insurance here.
If you purchase a Cover-More policy, you’re covered by a cooling-off period.** If you change your mind and need to cancel within 21 days of purchase, you can get a full refund for your policy. This is providing you haven’t departed on your journey and haven’t made a claim already.
What Cover-More travel insurance plan is right for me?
Planning your trip but not sure what seniors travel insurance cover you need? We can help, with plans that can be varied to suit your needs.
As a senior traveller, you can choose from:
- International or Domestic: depending on whether you’re travelling at home or overseas
- Comprehensive+, Comprehensive or Basic Plans: select the best plan to suit your budget and coverage needs
- Single Trip or Annual Multi-Trip Plans: if you travel often, an Annual Multi-Trip policy might be ideal for you. This offers cover for unlimited trips throughout the year, up to the trip duration you have chosen (International trips can be 30-, 45- or 60-days duration, and domestic trips can be 15 or 30 days).
Note: you must be under 75 years of age at the time of buying an Annual Multi-Trip policy.
If you’re on a budget, you can choose from a variety of excess and cancellation levels to adjust your cover and premium. We also offer additional coverage for adventure activities, snow sports, and motorcycle/moped riding. These can be added to any of our plans for an additional premium.
Does Cover-More offer seniors travel insurance cover for cruises?
Cruises are great for senior travellers. Visiting multiple locations from the comfort of a luxury liner makes for a relaxing holiday.
However, it’s important to know that once you set sail, medical or hospital expenses (domestic or international), may not be covered by Medicare or your private health insurance.
That’s where our Cruise Cover benefits come in. When purchasing a policy, if you tell us you are travelling on a cruise for two or more nights, an additional premium will be added, and the cruise benefits will be available on your policy at the time of purchase. It can protect you against lost luggage, cancellation (up to the limit you have added to your policy), and unforeseen medical expenses related to your cruise trip.
Want more information on our Cruise Cover? Find it here.
Is there an age restriction for seniors travel insurance cover with Cover-More?
Yes, age restrictions do apply. Travellers are eligible for our Cover-More travel insurance up to 99 years of age, but this is subject to our acceptance criteria based on age at the time of buying the policy, destination, and trip duration.
Plans may not be available to all travellers.
You must be under 75 years of age at the time of buying an Annual Multi-Trip policy.
Can I get Cover-More travel insurance if I have existing medical conditions?
Don't let an existing medical condition* (EMC) stop you from seeing the world.
At Cover-More, we offer automatic cover for a variety of existing medical conditions (subject to requirements) with our policies. So, if you have an EMC, and, for example, take medication to keep that condition in check, it doesn’t mean you can’t purchase travel insurance.
You can find the full list of EMCs we automatically cover here.
Please read the Product Disclosure Statement (PDS) for full details and conditions.
How do I disclose an existing medical condition to Cover-More?
It’s important to disclose any and all existing medical conditions (EMCs) to us before buying your Cover-More travel insurance policy. Claims which relate to, or are exacerbated by an EMC, are excluded from cover unless they were approved by us. Failing to advise an EMC means you run the risk of your claim being denied – which could leave you out of pocket if something goes wrong on your holiday.
Fortunately, it’s extremely easy to disclose any EMCs. When completing your quote online, answer all the questions correctly and tell us about your existing conditions via our online health assessment. This will determine if we can provide coverage for your EMC for an additional premium. You can also call our team to discuss on 1300 72 88 22.
Is seniors travel insurance cover more expensive?
There are many factors that determine the cost of travel insurance. This can include the region you’re travelling to (as some countries are riskier than others and may cost more for medical care), your trip duration, the level of cover you choose, the level of cancellation cover and excess you choose (where applicable), existing medical conditions, and extra coverage for activities such as riding motorcycles, skiing, and more.
Age is also a factor that determines how much you pay for travel insurance. The older you get the higher your risk of health issues, and your travel insurance premium is influenced by age groups that present a higher risk. The combination of these factors influences the premium we calculate to cover the risk, which is why you may find seniors travel insurance cover to be more expensive.
Check out our dedicated FAQs for Senior Travellers for more information on our cover. And before you leave on your holiday, read these expert tips for seniors on how to stay healthy while travelling.
Ready to explore the world?
Protect your trip with our seniors travel insurance cover.
* You can find a full list of automatically covered conditions on the Policy Disclosure Statement (PDS) of your chosen policy.
~Cover will not exceed 12 months from onset of the illness, condition or injury.
^ Policy availability subject to age, departure date, trip duration and area of travel. Policies may not be available to all travellers.
**Cooling-off period available if you cancel your policy within 21 days of it being issued to you, provided you have not travelled or made a claim or departed on your journey.
#TravelGP services do not form part of your travel insurance policy. It is a service offered to customers at Cover-More's cost and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will also be considered.