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    Seniors Travel Insurance FAQs

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    Helpful answers to your questions about Cover-More travel insurance for seniors

    Whether you’re planning a holiday to visit family or ticking off the biggest dreams on your bucket list, travel is exciting no matter how many candles were on your last birthday cake. Planning where to go and new experiences can be all part of the fun – but finding the right travel insurance is an important part of planning your trip, too.

    When you’re comparing cover, you might have some questions: is there a travel insurance age limit? Do I need a special seniors travel insurance policy? How do I get medical help overseas? And how do I make a claim?

    Get the answers to these frequently asked questions about our travel insurance cover for seniors below.

    You can also visit our seniors travel insurance cover page for helpful information about our coverage options, and to find our best plan for you.

    Skip ahead to read:

    Do I need to buy a specific Cover-More travel insurance policy if I’m a senior traveller?

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

    Does Cover-More have a travel insurance age limit?

    Yes, travel insurance age limits do apply to our policies. Travellers up to 99 years of age are eligible for our Cover-More travel insurance. However, 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.

    Am I covered for anything that could go wrong on my trip if I get Cover-More's comprehensive travel insurance?

    At Cover-More, we cover a wide range of unforeseen incidents and mishaps, and we will be there to support you if something goes wrong on your trip.

    However, travel insurance can’t cover absolutely everything.

    It is important you read the Product Disclosure Statement (PDS) so you are aware of what our policies will and won’t cover before you consider purchasing our Cover-More travel insurance.

    If you’re unsure, call our team on 1300 72 88 22.

    What if I can’t get Cover-More to cover an existing medical condition (EMC)?

    If cover for your EMC was denied in the online assessment during the quote process, you will not have any cover for incidents relating to your health that are related in any way to your existing medical condition(s). However, you may still have cover under the policy for benefits like lost luggage or travel documents.

    Call us on 1300 72 88 22 to see what sort of policy we can put together for you.

    Can Cover-More help 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 also deal with the hospital directly while you focus on getting better.

    Claims are subject to approval.

    Can Cover-More help if I need a doctor when travelling?

    At Cover-More, we want our customers to feel confident that if anything goes wrong on their travels, 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.

    Through TravelGP#, we can provide tips for getting better, and advice on doctors or hospitals to visit near you.

    Watch the TravelGP# video below for more information.

    Do I need to provide a medical certificate or information from my doctor to make a claim with Cover-More travel insurance?

    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 if that arises.

    Does Cover-More cover my trip if my relatives or family are sick?

    Our Cover-More travel insurance plans can include coverage related to the health of other people in your life who may impact your travel plans. We understand unfortunately things can happen that may mean you have to cancel your trip or return home early.

    Our additional expenses benefit can provide cover for claims for travel costs arising from the sudden disabling injury, sickness or disease or death of a relative or your business partner who is not travelling, so long as it meets the criteria outlined in our PDS.

    Our Cancellation Extensions upgrade – available on our Comprehensive+ and Comprehensive Plans – can also provide cover if a non-travelling relative or your business partner becomes ill, injured or dies.

    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.

    Limits, sub-limits, conditions, and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details on what is and isn’t covered before deciding if our travel insurance is right for you.

    Does Cover-More 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 when generating a quote online.

    Can I pay for my Cover-More travel insurance by cheque?

    No. You can pay by Visa, MasterCard, American Express, or PayPal.


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    #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.