Australian Seniors is aimed at older travellers, so there's no age limit and pre-existing medical conditions will be considered using a medical questionnaire.
You can tailor the amount of cancellation cover you want, making the policy suitable for budget trips as well as more luxurious getaways.
Cons
The Snow Pack is restricted to under 75s, so if you're an older traveller who enjoys hitting the slopes, you might have to look elsewhere.
The Comprehensive plan only covers theft of up to $250 cash, which is on the lower end when comparing other brands.
Compare travel insurance from 10+ brands
There are a lot of travel insurance brands with great cover for seniors. Use the tool below to compare from multiple brands. You can even filter for cover for cruise, pre-existing conditions and more.
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Summary of Australian Seniors International Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Cover chosen
Luggage and Personal Effects
$10,000
Maximum Age Limit
No age limit (120 on quote engine)
Table updated September 2023
How does Australian Seniors Travel Insurance cover COVID-19?
Australian Seniors offers some cover if related to COVID-19, but it's not the most comprehensive in the market. Here's what you can expect:
Overseas emergency assistance, medical care and hospital expenses if you're diagnosed with COVID-19.
Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19.
Additional expenses if you or a travelling companion are diagnosed with COVID-19.
Costs to return home if you are given medical advice that you should do so.
Costs to return home if a relative or business partner is hospitalised or dies due to COVID-19.
There are some scenarios that are not covered by Australian Seniors including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.
Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.
What policies does Australian Seniors offer?
Australian Seniors offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.
Comprehensive
Essentials
Domestic
Multi-Trip
Non-Medical
The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.
Here's a breakdown of Australian Seniors Travel Insurance features
These are some of the main insured events that Australian Seniors will cover. Some of these benefits may only apply on the Comprehensive International plan.
Overseas emergency assistance
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Rental vehicle excess
Theft of cash
Loss or theft of travel documents
Luggage and travel delay
Emergency dental costs
Kidnap and hijack
Personal liability
Permanent disability
Accidental death
Optional add-ons
Australian Seniors also offers four add-ons that provide cover for a wider range of risks.
Adventure Pack. Provides cover for a wider range of riskier activities, including deep sea fishing, outdoor rock climbing and riding a motorbike with the appropriate licence.
Cruise Pack Extends your insurance policy to cover cruises and a range of cruise-specific risks such as marine rescue and cabin confinement.
Snow Pack.Extends your cover to include snow activities and covers snow-specific risks such as piste closure and avalanches. Only available to under 75s.
Increased Item Limits Cover.Increase the claims limit of specific items if you're travelling with more expensive belongings. .
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, Australian Seniors will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition not listed on your insurance document
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the Australian Seniors PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make an Australian Seniors Travel Insurance claim
You can lodge a claim online, via the Australian Seniors Claims Portal. You'll need your travel itinerary, as well as any relevant receipts, medical records, and police reports.
If you need help, you can call the Australian Seniors claims team on 1300 551 762 (weekdays 8am-5pm AEST).
Here's the bottom line about Australian Seniors Travel Insurance
Australian Seniors has a good range of options to customise your policy, including Cruise Cover, Cover for Pre-Existing Medical Conditions, Snow Cover, and Adventure Cover. You can also increase item limits and adjust your excess.
However, cover for claims related to COVID-19 are limited and, in most cases, either you or your travelling companion would need to be diagnosed with COVID-19 to make a claim.
You can call Australian Seniors on 1300 551 762, weekdays from 8am to 7pm AEST and on Saturday from 8am to 5pm AEST.
Your children or grandchildren (including stepchildren, adopted children, foster children and children you care for under a legal guardian arrangement) can be included as dependents on the Comprehensive, Essentials or Domestic Plan. However, they must be accompanying you for 100% of your journey, must not be in full-time employment, and must be aged under 25.
No, Australian Seniors does not have any age restrictions on its Comprehensive, Domestic or Non-Medical plans. However, the Essentials Plan and Multi-Trip plan is only available to travellers under the age of 75.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
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Nicola has written 245 Finder guides across topics including:
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In the event of volcano activity in Bali am I covered for flight delay & accommodation expenses?
Finder
JhezelynAugust 28, 2018Finder
Hello Elizabeth,
Thank you for your comment.
Unfortunately, you won’t be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, and the Mt Agung eruption is a known event. But you can still get travel insurance for Bali and be covered for things like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities, and more, depending on the policy you choose as long as it’s not volcano-related issues.
You can check updates on Bali Ash Clouds and travel insurers that may cover you for your trip to Bali. Please enter your trip details on the quote engine, click the “Get my quote” button, and compare different quotes from different travel insurance.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
CatherineNovember 25, 2017
I am 64 and travelling from Sydney to Japan 1/04/2018 until 26/04/2018.
I am fit and healthy with no pre existing conditions.
May I have a quote please.
Thank you.
ArnoldNovember 26, 2017
Hi Catherine,
Thanks for your inquiry.
You may search and compare from our list of Travel insurance for Japan. The page provides steps to choosing the right travel insurance for Japan, a side by side comparison between brands, and tips in getting the best travel insurance.
If you would like to compare policies from the travel insurance brands in our panel, please enter your travel details like destination, age, and dates of a trip into the travel insurance form. Once you have done you can click on the ‘Go to site’ button to head over to the insurer website.
Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this information helps
Cheers,
Arnold
stephenFebruary 22, 2017
i am 88 years of age and had a pacemaker fitted 3 years ago my only medical condition. Ialso take some medicaton.how can i get travel insurance.
Finder
ZubairFebruary 23, 2017Finder
Hi Stephen,
Thank you for your question.
Pre-existing conditions are assessed on a case-by-case basis. You may find our travel insurance for pacemaker article helpful. Australian Seniors Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to the travel insurance home page.
Cheers,
Zubair
EdwardJanuary 26, 2017
I have tpe 2 diabetes controlled by insulin. No hospital admissions for this. I had a heart attack in Feb 2005 and had stents inserted. I have annual check ups with specialist and am going well. I work full time and am active and not retired. Will I be able to get travel insurance for these pre existing conditions?
Finder
RichardJanuary 30, 2017Finder
Hi Edward,
Thanks for getting in touch.
Pre-existing conditions are assessed on a case-by-case basis. To find out more, please head over to our list of travel insurance for pre-existing conditions. You’ll also know more about how to find the right insurance for you through that page.
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.
A guide to understanding cruise insurance - why you need it, what's covered, and what's not.
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I am 64 and going to Bali for a week. Could I get a quote for just medical insurance.
Hi Sharyn,
You can get a quote here:
https://www.finder.com.au/travel-insurance
In the event of volcano activity in Bali am I covered for flight delay & accommodation expenses?
Hello Elizabeth,
Thank you for your comment.
Unfortunately, you won’t be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, and the Mt Agung eruption is a known event. But you can still get travel insurance for Bali and be covered for things like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities, and more, depending on the policy you choose as long as it’s not volcano-related issues.
You can check updates on Bali Ash Clouds and travel insurers that may cover you for your trip to Bali. Please enter your trip details on the quote engine, click the “Get my quote” button, and compare different quotes from different travel insurance.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
I am 64 and travelling from Sydney to Japan 1/04/2018 until 26/04/2018.
I am fit and healthy with no pre existing conditions.
May I have a quote please.
Thank you.
Hi Catherine,
Thanks for your inquiry.
You may search and compare from our list of Travel insurance for Japan. The page provides steps to choosing the right travel insurance for Japan, a side by side comparison between brands, and tips in getting the best travel insurance.
If you would like to compare policies from the travel insurance brands in our panel, please enter your travel details like destination, age, and dates of a trip into the travel insurance form. Once you have done you can click on the ‘Go to site’ button to head over to the insurer website.
Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Hope this information helps
Cheers,
Arnold
i am 88 years of age and had a pacemaker fitted 3 years ago my only medical condition. Ialso take some medicaton.how can i get travel insurance.
Hi Stephen,
Thank you for your question.
Pre-existing conditions are assessed on a case-by-case basis. You may find our travel insurance for pacemaker article helpful. Australian Seniors Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to the travel insurance home page.
Cheers,
Zubair
I have tpe 2 diabetes controlled by insulin. No hospital admissions for this. I had a heart attack in Feb 2005 and had stents inserted. I have annual check ups with specialist and am going well. I work full time and am active and not retired. Will I be able to get travel insurance for these pre existing conditions?
Hi Edward,
Thanks for getting in touch.
Pre-existing conditions are assessed on a case-by-case basis. To find out more, please head over to our list of travel insurance for pre-existing conditions. You’ll also know more about how to find the right insurance for you through that page.
Cheers,
Richard