Seniors Travel Insurance Age Limits

If you’re over 60 finding reasonably priced seniors travel insurance can be tricky, however this doesn’t mean you should compromise on cover!

What Age Can I Buy Travel Insurance Until?

Age restrictions vary from insurer to insurer. You might also find limits on the levels of cover available to elderly travellers too. 

Unfortunately finding this information can be quite time consuming as many insurers don't make their conditions or eligibility of cover very clear.

Well aren’t you the lucky ones, we’ve done all the hard work for you. Check out our table below which lets you compare the age restrictions from 20 Australian insurers all in one place. Yippee!

There are plenty of insurers that offer cover to the young at heart traveller with no age restrictions at all :)
 

Who Offers Travel Insurance To Senior Travellers?

INSURER	SINGLE TRIP AGE LIMITS	ANNUAL POLICY AGE LIMITS	ANNUAL POLICY TRIP DURATIONS	BUY NOW
1300 Insurance	No Age Limit	Under 75	Max trip duration options 15, 30 and 45 days
1Cover BUY	No Age Limit	Under 65	Max trip duration options 21, 45 or 90 days.	GO TO INSURER
AIG	No Age Limit	Under 70	Max trip duration of 45 days.
Allianz	No Age Limit	Under 74	Max trip duration options 15, 30 and 45 days.
Amex BUY	Under 89.	Under 70	Max trip duration options 30, 45 or 60 days	GO TO INSURER
Australian Seniors	Under 90	Under 80	Max trip duration of 45 days
Boomers BUY	No Age Limit	Under 74	Max trip duration options 15, 30 and 45 days	GO TO INSURER
Budget Direct BUY	Under 100	Under 75	Max trip duration of 30 days	GO TO INSURER
Columbus Direct BUY	Under 84	Under 69	Max trip duration of 60 days	GO TO INSURER
Cover-More	Under 85	Under 75	Max trip duration options are 30, 45 or 60 days
Downunder BUY	Under 60	Under 60	Max trip duration is 21 or 45 days.	GO TO INSURER
Easy Travel Insurance	Under 85	Under 75	Max trip duration options are 30, 45 or 60 days
Fast Cover BUY	No Age Limit	Under 65	Max trip duration options 15, 25, 40 or 63 days	GO TO INSURER
Go insurance	Under 75	Under 75	Max trip duration options are 31, 50 and 60 days
Insure4Less	Under 71	Under 71	Max trip duration options are 31, 45, 62 and 93 days
InsureandGo" BUY	Under 100	Under 100	Max trip duration options are 30, 45 and 60 days	GO TO INSURER
No Worries Insurance BUY	Under 80	Under 70	Max trip duration is 60 days	GO TO INSURER
NRMA	Under 84	Under 74	Max trip duration options 30, 45 and 60 days.
Online Travel Insurance BUY	Under 75	Under 75	Max trip duration options are 15, 30 and 45 days	GO TO INSURER
Priceline BUY	Under 75	Under 70	Max trip duration of 45 days.	GO TO INSURER
Qantas	Under 70	Under 70	Max trip duration of 60 days
Real Insurance	Under 79	Under 76	Max trip duration 30 days
SCTI	No age limit	No age limit	Max trip duration options are 30, 60 or  90 days
Simply Travel Insurance BUY	No Age Limit	Under 65	Max trip duration of 90 days	GO TO INSURER
Sure Save	No Age Limit	Under 76	Max trip duration options 30 or 50 days.
Travel Insurance Saver BUY	Under 100	Under 100	Max trip duration of 45 days	GO TO INSURER
Travel Insuranz BUY	Under 70	Under 70	Max trip duration options 31, 45, 62 and 93 days	GO TO INSURER
Virgin Money BUY	No Age Limit	Under 75	Max trip duration options are 15, 30 and 45 days	GO TO INSURER
Webjet BUY	No Age Limit	Under 75	Max trip duration options are 15, 30 and 45 days	GO TO INSURER
Westpac	No age limit	Under 75	Max trip duration options are 15, 30 and 45 days
Woolworths	Under 80	Under 76	Max trip duration of 30 days
Worldcare BUY	No Age Limit	Under 74	Max trip duration options are 15, 30 and 45 days	GO TO INSURER
Zoom Travel Insurance BUY	Under 85	Under 70	Max trip duration 15 and 45 days	GO TO INSURER

NOTE: This does not refer to age restrictions in regards to family members. 

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Age Loadings

Irrespective of how active you are, many insurers add significant age loadings to policies and may limit the levels of cover that are available to elderly travellers. So even if you’re a young at heart traveller you might find your travel insurance is quoted based on age bands, rather than personal circumstances.

For example, for a 2 week trip to Europe a 50 year old can expect to pay $75 upwards for their comprehensive travel insurance policy, a 60 year old can expect to pay $85 upwards, a 70 year old can expect to pay $94 upwards and those over 80 years the cheapest comprehensive policy starts at $200.

Frequent Traveller?

Now you're retired you've got more time to travel. If you tend to go away more than twice a year you should definitely consider an annual-multi trip policy. Annual policies cover you for all trips you make in a 12 month period - internationally and domestically. In a lot of cases annual multi trip policies tend to have lower age limits than single trip policies. You should also remember to check the limits on the maximum trip length as these tend to vary anything from 15 days to 90 days per trip. 

Compare And Save On Your Seniors Policy

A great way to compare the different prices and levels of cover available is to use a comparison website like comparetravelinsurance.com.au. Just enter the destination, dates of travel and ages of travellers and you can compare seniors travel insurance for all types of trips. See what kind of deal you can find yourself today.

For more help in choosing which is the right policy for you. Check out our ultimate guide to seniors travel insurance. It explains what's included and what's not in your average policy, and more info about pre-existing medical conditions.

---

Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.