Home / Travel Insurance / Seniors Travel Insurance

Seniors Travel Insurance

senior couple

Quality Travel Insurance You Can Customise to Meet Your Needs

The 'golden years' aren't meant for sitting at home - they're the perfect time to travel the world! So, what’s stopping you from booking your next great adventure? Our policies are world-class for seniors. If you’re over 65 and want great quality cover for your travels, get a quote for Cover-More Travel Insurance.

To help our customers out we've put together some of the most commonly asked questions from travellers just like you - see Seniors Travel Insurance FAQs. Or 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.

How To Choose Your Policy

If you travel often, our Annual Multi-Trip policies^ may be ideal for you.

You can purchase 12 months’ international cover, for trip durations of either 30, 45, or 60 days.

Trips on our domestic Annual Multi-Trip policies can be up to either 15- or 30-days in duration, and include cover for rented vehicle excess and owned vehicle excess should you be going on a self-driving holiday within Australia and staying in domestic accommodation such as a cabin in a caravan park.

For domestic Annual Multi-Trip policies, we cover journeys more than 250 kilometres from your home or – if your trip is less than this distance from your home – your trip includes at least one night of paid accommodation and the accommodation is booked with a supplier (i.e. B&B) or provider (i.e. Airbnb).

If you are on a budget, you can choose from a variety of excess and cancellation levels to adjust your cover and premium. Get a quote online today and see how affordable protecting your travel dreams can be.

Do I Need Travel Insurance?

There are a number of reasons travel insurance is important and even more reasons for seniors. You may not be as fit and healthy as your used to be and medical costs overseas can be huge. 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 cost you upwards of $100,000. The quickest way to ruin a trip is for you to come home with a big bill.

Your chances of robbery have increased too, with thieves targeting older travellers. Make sure you and your belongings are protected on your trip.

Need some travel inspiration to help decide on where your next trip should be? Check out these best destinations for seniors.

Why Pick Cover-More?

We provide you with great value for money. Our plans offer these benefits popular with senior travellers:

  • 24/7 emergency medical and travel assistance
  • $Unlimited overseas medical and dental cover~
  • Luggage and personal effects benefits
  • Cover and assistance for if you lose travel documents, including credit cards and traveller’s cheques replacement
  • Travel delay expenses
  • Rental car insurance excess
  • TravelGP – access to an Australian-based doctor while you’re overseas

TravelGP: Access to a Doctor When You're Travelling

At Cover-More we want our customers to feel confident on their travels that if anything goes wrong, we can be there to provide help and support. Our TravelGP service provides you access to an Australian-based doctor while you’re on your trip. TravelGP is ideal for when you’re feeling unwell but not sick enough to go to the hospital. Through TravelGP we can provide prescriptions, tips for getting better and advice on doctors or hospitals to visit near you.

Watch the TravelGP video below for more information.

Existing Medical Conditions

Don't let an existing medical condition* stop you from seeing the world. Cover-More offers automatic cover for a variety of existing medical conditions (subject to requirements) with our policies:

  • Acne
  • ADHD (Attention Deficit Hyperactivity Disorder)
  • Allergy
  • Anxiety
  • Bell’s Palsy
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts
  • Depression
  • Glaucoma
  • Coeliac Disease
  • Congenital Blindness
  • Congenital Deafness
  • Ear Grommets
  • Epilepsy
  • Gastric Reflux
  • Goitre
  • Graves’ Disease
  • Gout
  • Hiatus Hernia
  • Hip Replacement
  • Knee Replacement
  • Shoulder Replacement
  • Hip Resurfacing
  • Hypercholesterolaemia (High Cholesterol)
  • Hypertension (High Blood Pressure)
  • Migraine
  • Gastric Ulcer
  • Peptric Ulcer
  • Plantar Fasciitis
  • Raynaud’s Disease
  • Skin Cancer
  • Stenosing Tenosynovitis (Trigger Finger)
  • Urinary Incontinence
  • Underactive Thyroid
  • Overactive Thyroid

Please read the Product Disclosure Statement (PDS) for full details and conditions.

If your existing medical condition is not listed, we still may be able to cover you. Complete our online assessment form when you get your quote, or call our team on 1300 72 88 22.

Seniors drinking champagne on boat

Frequently asked questions

The older you get the higher your risk of health issues. Your travel insurance premium is influenced by the higher risk of health issues. There’s a greater chance of seniors cancelling a trip or requiring medical assistance while travelling including medically assisted repatriation to return home. That’s why premiums are often higher for senior travellers.

Complete the online assessment form when you get a quote or call our customer service team on 1300 72 88 22. You need to tell us about all your conditions. We will complete the assessment to determine if we can provide coverage for an additional premium.

Cruises are great for senior travellers. Visiting multiple locations from the comfort of a luxury liner makes for a relaxing holiday. If you are going on a cruise, you need to add cruise cover and pay an extra premium to be covered. It’s important to know that once you set sail, medical or hospital expenses (domestic or international), aren't covered by Medicare or your private health insurance. Adding the cruise travel insurance extra when setting up your policy can protect you against lost luggage, cancellation, and unforeseen medical expenses.


Check out our dedicated FAQs for Senior travellers for more information!

Healthy Tips for Seniors

As a senior traveller, you may have to take more into consideration regarding your health. Professor Maria Fiatarone Singh, a Geriatrician at The University of Sydney, shares her excellent and (sometimes surprising) tips for older travellers. Read about them here.

Cooling-Off Period

When you purchase a Cover-More policy, you’re covered by our cooling-off period.** If you change your mind and need to cancel within 21 days of purchase, you can get a full refund. This is providing you haven’t departed on your journey and haven’t made a claim already.

Let’s Talk

So what are you waiting for? Get out there and explore the world knowing Cover-More can protect you on your travels. Get a quote online, or call us on 1300 72 88 22.

* 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 and limits may be applied to travellers over 70 years old.

**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