Travel insurance for over-65s

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A guide to travel insurance for over-65s

Last updated 11 April 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

Why take out travel insurance for over-65s

You might be wondering if taking out a travel insurance policy is worth it. Here are a few things travel insurance for over-65s may offer:

  • Peace of mind. Travel with confidence knowing you have financial protection if your trip is unexpectedly derailed.
  • Medical cover. Get coverage for any unforeseen medical expenses if you fall ill or are injured on your journey.
  • Cancellation cover. If your trip gets delayed, disrupted or needs to be cancelled altogether, you may be able to claim for any missed pre-paid expenses.

Choosing travel insurance for over-65s

When it comes to choosing travel insurance cover, there are some things you may want to consider, especially as a senior traveller:

  • Pre-existing medical conditions. Some policies may cover some, but not all, pre-existing medical conditions automatically, while for others you’ll need to apply to receive cover for these.
  • Levels of cover. You will typically be able to choose your level of cover for an overseas trip, from a basic medical-only policy up to comprehensive, top-tier cover.
  • Optional extras. Depending on what your plans are, you might want to consider adding relevant extras to your policy, such as cruise cover or rental vehicle excess cover, though they may cost an additional premium.

Expert tips for choosing the right travel insurance if you’re over 65

Our Executive General Manager of General Insurance, Adrian Taylor, is an expert in all things travel insurance and keen to help travellers of all ages find the right travel insurance policy. Read his top tips for choosing a suitable over-65s policy below:

Adrian Taylor
Executive General Manager – General Insurance

Consider specified cruise cover

In most cases, your travel insurance policy will not cover your cruise holiday in Australia or overseas unless you’ve added cruise cover to your policy as an optional extra. This may incur an additional premium. Without cruise cover, you won’t be covered for any incidents that occur on your cruise, such as needing emergency medical evacuation back to land.

Decide what benefits you want in your policy

While getting covered for medical expenses is crucial, it’s not the only thing you should consider. Decide what cover you might require for cancellation and delay fees, theft, damage or loss of luggage and more. It’s important you purchase the trip cover that best suits your individual needs.

Compare and save

If you’re searching for a suitable policy that matches your budget, why not compare? With our travel insurance comparison tool you can compare providers and get multiple travel insurance quotes in just minutes!

Do I need travel insurance for over-65s?

You can plan your holiday down to the last detail, but you can’t always stop things going wrong. You may have a higher chance of getting sick or injured if you’re a senior traveller, but if you prepare for the possibility, you can continue to travel with confidence and enjoy your holiday to the fullest.

Having appropriate travel insurance for seniors over 65 (sometimes known as seniors travel insurance) can cost a fraction of what you might pay upfront in medical costs overseas, so taking out a policy might be a good idea not only for your health during your trip, but also for your wallet.

Each insurance provider and policy will differ in what they do and don’t cover. It’s important you read your policy’s Product Disclosure Statement (PDS) before completing the purchase to make sure it has everything you need before you begin your travels, and the Target Market Determination (TMD) to check your suitability for a policy.

What does travel insurance cover for over-65s?

The good news is that travel insurance when you’re over 65 usually covers most things that standard travel insurance covers for under-65s. Although some travel insurance providers might limit certain policies or product offerings to people over particular ages, with a comprehensive policy you’ll generally be able to get cover for:

Medical treatment

Theft, loss or damage

Travel delays and cancellations

Optional extras

Different types of over-65s travel insurance and what they cover

Annual versus single trip policies

Basic cover

Standard cover

Comprehensive cover

More information on travel insurance for over-65s

How much will over-65s pay for travel insurance?

Is there an age limit for travel insurance?

Does travel insurance for over-65s with pre-existing medical conditions cost more?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.