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 contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
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Nicola has written 233 Finder guides across topics including:
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Personal insurance, including car, health, home, life, pet and travel insurance
The rapid rise in the cost of living has left households doing the unthinkable, according to new research by Finder, Australia's most visited comparison site.
I am 69 years old and would like to ask a question, I am traveling next year and want to know, that if one of my elderly parents happen to pass away, would I be covered to break my trip & to fly bank to Australia for their funeral. Their ages are 87 & 88.
nornieJuly 16, 2014
We are thinking of a three week holiday to France. I have mesothelioma have had chemo but have been in a dormant condition for 6 months and haven’t had any treatment in that time. I am 75 and my husband is 78. Would we get any cover?
Finder
ShirleyJuly 17, 2014Finder
Hi Nornie,
Thanks for your question.
Australian Senior Travel Insurance covers specific pre-existing conditions for those aged 75 and under. I’ve emailed you a page that lists these conditions.
If you are over age seventy-five, you will not be covered for any of the medical conditions listed on that page.
Hi Margaret,
Thank you for your enquiry. Australian Seniors Travel Insurance provides what is known as “Resumption of Journey Cover” whereby they will pay your reasonable additional transport expenses actually and necessarily incurred (less any refund received for the unused prepaid travel arrangements) to resume Your original Journey if you return home due to the unforeseen death of a family member.
Thanks again for your enquiry and all the best.
Will
PatsyApril 8, 2014
I had a hip replacement five years ago and have had nothing wrong since. I take no medication. I will turn 70 5 days before I start my international travel. Will I automatically be covered by this policy?
Finder
WilliamApril 9, 2014Finder
Hi Patsy,
Thank you for your enquiry. According to the Australian Seniors Travel Insurance Product Disclosure statement, hip replacement is only excluded from cover if it has been performed less than 6 months prior to travel. It may still be worth checking with someone from Australian Seniors Travel Insurance prior to taking out cover to be absolutely sure.
Thank you for your enquiry and have an excellent trip.
LoisFebruary 9, 2014
Can you please explain to me what this clause means …
‘Any claims made for cancellation changes and/or loss of deposit that were claimed after the doctor declared the person unfit for travel.’
Please give an example.
Finder
WilliamFebruary 10, 2014Finder
Hi Lois,
Thank you for your comment. This means that a benefit for cancellation will not be paid if the cancellation has been made after the policyholder has already been recommended against travelling by a medical practitioner. If someone was to go ahead and book their trip despite being recommended against travelling by a medical practitioner, they would not be covered for trip cancellation.
Best Regards,
Will
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I am 69 years old and would like to ask a question, I am traveling next year and want to know, that if one of my elderly parents happen to pass away, would I be covered to break my trip & to fly bank to Australia for their funeral. Their ages are 87 & 88.
We are thinking of a three week holiday to France. I have mesothelioma have had chemo but have been in a dormant condition for 6 months and haven’t had any treatment in that time. I am 75 and my husband is 78. Would we get any cover?
Hi Nornie,
Thanks for your question.
Australian Senior Travel Insurance covers specific pre-existing conditions for those aged 75 and under. I’ve emailed you a page that lists these conditions.
If you are over age seventy-five, you will not be covered for any of the medical conditions listed on that page.
You may want to consider alternative travel insurance arrangements.
Cheers,
Shirley
Hi Margaret,
Thank you for your enquiry. Australian Seniors Travel Insurance provides what is known as “Resumption of Journey Cover” whereby they will pay your reasonable additional transport expenses actually and necessarily incurred (less any refund received for the unused prepaid travel arrangements) to resume Your original Journey if you return home due to the unforeseen death of a family member.
Thanks again for your enquiry and all the best.
Will
I had a hip replacement five years ago and have had nothing wrong since. I take no medication. I will turn 70 5 days before I start my international travel. Will I automatically be covered by this policy?
Hi Patsy,
Thank you for your enquiry. According to the Australian Seniors Travel Insurance Product Disclosure statement, hip replacement is only excluded from cover if it has been performed less than 6 months prior to travel. It may still be worth checking with someone from Australian Seniors Travel Insurance prior to taking out cover to be absolutely sure.
Thank you for your enquiry and have an excellent trip.
Can you please explain to me what this clause means …
‘Any claims made for cancellation changes and/or loss of deposit that were claimed after the doctor declared the person unfit for travel.’
Please give an example.
Hi Lois,
Thank you for your comment. This means that a benefit for cancellation will not be paid if the cancellation has been made after the policyholder has already been recommended against travelling by a medical practitioner. If someone was to go ahead and book their trip despite being recommended against travelling by a medical practitioner, they would not be covered for trip cancellation.
Best Regards,
Will