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Seniors Travel Insurance FAQs

Senior travellers

Travel insurance is an important part of planning your trip! Have a read of these FAQs for senior travel insurance below. 

Visit our seniors travel insurance page for helpful information about our coverage options. 

What if my relatives or family are sick?

Our Cover-More policies contain coverage related to the health of other people (who are non-travellers and who live anywhere in the world) who impact your travel plans.

We will pay for claims arising from the sudden disabling injury, sickness or disease or death of a relative or your business partner who is not travelling if, at the relevant time, that person:

a) in the last 12 months, had not been hospitalised (including day surgery or emergency department attendance) for a condition that was in any way related to, or exacerbated by, the condition that gave rise to the claim;

b) was not residing in a facility such as a nursing home, an aged care facility, a residential aged care home, a high and/or low care facility, a privately owned accommodation facility such as Supported Residential Services or Facilities (SRS/SRF) or, a residential care facility);

c) was residing independently at home or in a retirement home or village, including independent living arrangements, and they did not require home care or flexible care services;

d) was not on a waiting list for, or did not know they needed surgery, inpatient treatment or tests at a hospital or clinic;

e) did not have a drug or alcohol addiction; and

f) did not have a terminal illness.

If any point a)-f) cannot be met e.g. if your non-travelling relative was in a nursing home or did have a terminal illness, which means your claim would otherwise be excluded, we will pay no more than $1,000 under all sections of the policy combined.

Please note:relative” means a person who is your spouse, de facto, parent, parent-in-law, stepparent, guardian, grandparent, child, foster child, grandchild, brother, brother-in-law, half-brother, stepbrother, sister, sister-in-law, half-sister, stepsister, daughter, daughter-in-law, stepdaughter, son, son-in-law, stepson, fiancé, fiancée, uncle, aunt, niece, or nephew.

For full details, please read the Product Disclosure Statement (PDS).

Do I need to provide a medical certificate or information from my doctor if I make a claim?

Yes, the medical certificate on the claim form will need to be completed by the usual GP of the person whose health caused the claim. A specialist report may also be required. We may require additional medical information including a full history for a claim, but we will let you know when that arises.

Do you have a Seniors Card discount?

No, sorry. You can adjust the price of your premium through altering the excess or the cancellation amount you wish to be covered for.

Can I pay by cheque?

You can pay by Visa, MasterCard, American Express or Paypal.

Is there an age restriction for seniors travel insurance?

Yes. You can only purchase a travel insurance policy online if you’re 84 years of age or younger. If you are older than that, call us on 1300 72 88 22. Policy availability is subject to Age, departure date, duration of trip and area of travel. Plans may not be available to all travellers and limits may apply to travellers over 70 years old.

Do I need to buy a specific policy if I’m a senior traveller?

No, we don’t have specific travel insurance policies for senior travellers. Cover-More offers a range of policy options to help you find a plan that best suits you.

Why is seniors travel insurance more expensive?

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.

Am I covered for anything that could go wrong on my trip if I get premium cover?

We cover a wide range of mishaps, and will be there to support you if something goes wrong. Travel insurance can't cover everything that may go wrong on your trip – otherwise policies would be super expensive. It is important that you read the Product Disclosure Statement (PDS) so you are aware of what our policies cover. If you’re unsure, call our team on 1300 72 88 22 and they can help explain.

Can I get cover if I have an existing medical condition (EMC)?

In many instances, yes. We provide automatic* cover for a wide range of conditions, such as:

  • 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

See our Product Disclosure Statement (PDS) for details and any conditions for the automatic cover.

If your EMC isn’t automatically covered you will need to complete a medical assessment form online during the quote process. You can also call us on 1300 72 88 22 and we’ll be happy to talk you through it. Your condition will be assessed and we will determine if we can provide coverage. If we approve your condition(s), you must pay an additional premium.

What is the assessment process for an existing medical condition?

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.

What if I can’t get cover for an existing medical condition (EMC)?

If cover for your EMC was denied in the assessment you will not have any cover for incidents relating to your health that are related in any way to your existing medical condition(s), but may still have cover under the policy for things like lost luggage or travel documents etc. Call us on 1300 72 88 22 to see what sort of policy we can put together for you.

What do I do if I need unexpected and immediate medical treatment overseas?

If it’s an emergency, call the local emergency line straight away. Then when you can, call our 24 hour Emergency Assistance team so we can help. We will require a medical report from the treating doctor, details of your medical history and information from your GP as well as details of the cost of your overseas treatment. We can deal with the hospital directly while you focus on getting better. Claims are subject to approval.

* You can find a full list of automatically covered conditions on the Product Disclosure Statement (PDS) of your chosen policy.