Travel insurance for over 70s

Find quotes for over 70s travel insurance

Which insurance companies offer travel cover for people over 70?

Brand	Max age	Apply
ahm	99 and under	Get a quote
Cover-More	99 and under	Get a quote
Easy	125 and under	Get a quote
Fast Cover	89 and under	Get a quote
Freely	99 and under	Get a quote
InsureandGo	100 and under	Get a quote
Kogan	125 and under	Get a quote
Medibank	99 and under	Get a quote
Southern Cross	118 and under	Get a quote
Stella	99 and under	Get a quote
Tick	100 and under	Get a quote
Travel Insurance Saver	110 and under	Get a quote
Wise and Silent	99 and under	Get a quote
Travel Protect	99 and under	Get a quote
Zoom	85 and under	Get a quote
1cover	130 and under	More info
AllClear	99 and under	Get a quote
Australia Post	99 and under	Get a quote
Australian Seniors	120 and under	More info
Boomers	120 and under	More info
NRMA	99 and under	More info
Worldcare	120 and under	More info

_{Note: This information was last updated April 2024}

Common benefits of travel insurance for over 70s

When you’re over 70, it’s a fact of life that you’re more likely to have to make an insurance claim than someone in their 40s.

Travel insurance cover for seniors contains largely the same for of cover as regular travel insurance. Over 70s travel insurance typically includes cover for:

• Overseas emergency medical expenses. Medical repatriation back to Australia is also covered by many policies. Emergency dental cover is included, while most policies provide 24/7 emergency medical assistance, as well as overseas hospital expenses.
• Cancellation fees and lost deposits. If unforeseen circumstances, such as illness or the loss of your job, force you to cancel your trip, your travel insurance policy will see that you are reimbursed for any non-refundable deposits or cancellation fees.
• Luggage and personal effects. If your luggage is lost, stolen or damaged, your policy will cover the cost of its repair or replacement.
• Travel documents. If your important travel documents, travellers cheques or credit cards are lost or stolen, travel insurance has your back.
• Travel delay expenses. If your trip is delayed due to circumstances outside your control, your policy will cover any additional accommodation or meal expenses.
• Luggage delay. This cover benefit provides for the cost of emergency clothing and toiletries when a travel provider misplaces your luggage.
• Rental vehicle excess. If your rental vehicle is stolen, damaged or crashed, your policy provides cover for the expensive rental company excess you would otherwise have to pay.
• Personal liability. If your negligence causes a third party to suffer an injury or property damage, all travel insurance policies provide cover for your legal liability.

Cover is available for both domestic and international trips and you can choose from a basic ‘essentials’ cover or a comprehensive policy. Frequent travellers can even take out a multi-trip policy to insure all their holidays over a 12-month period.

Can I get cover if I have an existing medical condition?

One thing you need to be aware of when taking out travel insurance for over 70s is the treatment of pre-existing medical conditions. A pre-existing condition is typically defined as an ongoing condition of which you are aware, of which you have symptoms, for which you are currently undergoing treatment, or for which you have had surgery within the previous 12 months.

Every insurer has a list of pre-existing medical conditions which they will and won’t insure, and an insurer’s exact list can be affected by the age of the policyholder. However, conditions that are typically covered include:

Check the product disclosure statement or consult your insurance provider to find out more about the possibility of getting cover for specific conditions.

Travel insurance for over 70: 5 key policy questions

When looking for a travel insurance policy, ensure that you find one that matches up with your needs. Questions you should ask yourself before heading off include:

• What types of activities will you be participating in while away?
• How long are you planning on travelling for?
• Will you be looking for multi-trip cover or just insurance for a single adventure?
• Do you need increased cover for your personal effects?
• Does your policy provide the necessary cover for any pre-existing medical conditions you may have?

Considering all these factors will help you find the best policy for your situation.

Travel can be very unpredictable and exposes you to an extensive range of potential risks. In order to guarantee that those risks don’t ruin your holiday and leave a big hole in your finances, travel insurance can offer the cover you need. Even if you’re aged well over 70, it’s still entirely possible to take out essential cover for your next trip away.

Apply for travel insurance

Although insurance for travellers over 70 will tend to cost more, it can still be a very worthwhile investment. It offers essential financial protection against typical holiday problems, including everything from overseas medical emergencies to lost luggage.

With the right type and level of cover in place, you’ll be free to put your feet up and enjoy your holiday.

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Frequently asked questions

• What's the best travel insurance for over 70s with medical conditions?

  In truth, there's no single 'best' policy as what's right for you depends on your circumstances and preferences. Many people opt for insurance that offers high benefit limits and protects them from a wide range of risks – to that end, you could start your search by looking at comprehensive travel cover.

• What is international travel insurance?

  International travel insurance can give you a range of cover benefits ahead of your next trip abroad, such as overseas medical expenses, trip cancellations, theft of your belongings and rental vehicle excess cover.

  Domestic travel cover, on the other hand, can protect you from a range of mishaps in Australia.

• At what age can you no longer get travel insurance?

  There isn't a maximum age limit for buying travel insurance, although you're likely to pay more for a policy the older you are. That's because you present a higher risk of making a claim. You may also find more restrictions or exclusions apply to your insurance.

  As our guide to over 80s travel cover shows, there are a range of providers who'll offer cover in your later years.

• How do I make a claim on my travel insurance?

  If you are involved in an event that leads to a claim, you need to notify your insurer as soon as possible. In addition, you'll need to report any loss, theft or damage to the police, your airline or any relevant authority while travelling. Obtain police reports or written confirmation of you doing so.

  Many insurers allow you to fill in a claim form online, but this can also typically be sent in by mail or completed over the phone. You'll need to provide details such as your name, policy number, and the details of the event that resulted in your claim.

  Often your insurer will request that you provide more information. This may include police reports, receipts, valuations, medical reports or other supporting documentation. Make sure you promptly supply any information your insurer asks for — doing so is the best way to ensure the prompt processing of your claim.

  Your insurance provider should keep you updated on the progress of your claim.

• What should I keep in mind when planning an overseas trip?

  Keep in mind the following tips:

  • Look at Smartraveller's website for the latest travel advice
  • Research medical facilities in the areas you'll be travelling to
  • Check that things like wheelchair access and seating needs will be catered for well in advance
  • Check to see if the countries you are travelling to have a reciprocal healthcare agreement with Australia
  • Get a complete medical check-up from your doctor and discussing any health concerns you may have
  • Have a dental check-up
  • Ensure that your medications are legal overseas and that you will be able to take them through customs
  • Make sure you pack enough medication for the duration of your trip

Written by

Cristal Dyer

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

Co-written by

James Martin

Editor

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise

James has written 211 Finder guides across topics including:

• Car, home, life, health, travel and pet insurance
• Managing the cost of living
• Money-saving tips