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.
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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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Hi
Do you cover rock climbing and/or mountaineering in Nepal and Tibet for over 75’s? Have hypertension under medication (BP 121/69) and hypothyroidism, also under medication. Experienced trekker to 6000m.
Finder
RichardMarch 19, 2015Finder
Hi Terry,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. ASTI do not pay for claims arising directly or indirectly from mountaineering or rock climbing using ropes or guides. You may wish to contact ASTI directly by calling 13 76 76 if you have any further questions about cover.
I hope this was helpful,
Richard
RonaldFebruary 26, 2015
I have an auto-immune condition, Myasthenia Gravis, controlled by the drug Mestinon. Would this cause problems in obtaining travel insurance?
Finder
RichardFebruary 26, 2015Finder
Hi Ronald,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. ASTI do not automatically cover Myasthenia Gravis. You may wish to contact ASTI directly and speak with them about your options by calling 13 76 76.
I hope this was helpful,
Richard
AlanSeptember 4, 2014
Quote please. 13 day cruise departing Sydney to South Pacific. In good health, aged 90, repeat 90, only pre-existing is a dormant gallstone which need not be covered.
Finder
ShirleySeptember 5, 2014Finder
Hi Alan,
Thanks for your question.
To get in touch with an insurance broker regarding travel insurance, please enter your travel details on our travel insurance policy search form. If you would like a quote from Australian Seniors Travel Insurance only, please get in touch with them directly.
Cheers,
Shirley
MahaJune 21, 2014
I have hypertension ( for over 20 years and take medication and no concerns) but also been diagnosed type 2 diabetes which is controlled very well on medication. Can I be covered for an overseas trip to Europe?
Finder
ShirleyJune 23, 2014Finder
Hi Maha,
Thanks for your question.
According to the Australian Seniors Travel Insurance website, diabetes is covered under this policy “if You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a Blood Sugar Level reading between four (4) and ten (10)”.
High blood pressure is also covered “if You have no known heart conditions and Your current blood pressure reading is below 165/95.”
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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So if I am a senior and could have a lot of the exclusions you have named as these are mostly age related your policy would be totally useless to me.
Hi Maus,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You may find the following page useful:
https://www.finder.com.au/travel-insurance/seniors-travel-insurance
I hope this was helpful,
Richard
Hi
Do you cover rock climbing and/or mountaineering in Nepal and Tibet for over 75’s? Have hypertension under medication (BP 121/69) and hypothyroidism, also under medication. Experienced trekker to 6000m.
Hi Terry,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. ASTI do not pay for claims arising directly or indirectly from mountaineering or rock climbing using ropes or guides. You may wish to contact ASTI directly by calling 13 76 76 if you have any further questions about cover.
I hope this was helpful,
Richard
I have an auto-immune condition, Myasthenia Gravis, controlled by the drug Mestinon. Would this cause problems in obtaining travel insurance?
Hi Ronald,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. ASTI do not automatically cover Myasthenia Gravis. You may wish to contact ASTI directly and speak with them about your options by calling 13 76 76.
I hope this was helpful,
Richard
Quote please. 13 day cruise departing Sydney to South Pacific. In good health, aged 90, repeat 90, only pre-existing is a dormant gallstone which need not be covered.
Hi Alan,
Thanks for your question.
To get in touch with an insurance broker regarding travel insurance, please enter your travel details on our travel insurance policy search form. If you would like a quote from Australian Seniors Travel Insurance only, please get in touch with them directly.
Cheers,
Shirley
I have hypertension ( for over 20 years and take medication and no concerns) but also been diagnosed type 2 diabetes which is controlled very well on medication. Can I be covered for an overseas trip to Europe?
Hi Maha,
Thanks for your question.
According to the Australian Seniors Travel Insurance website, diabetes is covered under this policy “if You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a Blood Sugar Level reading between four (4) and ten (10)”.
High blood pressure is also covered “if You have no known heart conditions and Your current blood pressure reading is below 165/95.”
Cheers,
Shirley