Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Getting older? More like outliving the warranty! After working hard your whole life, perks like more free time and more disposable income mean that older travellers are often travelling well into their 70s, 80s and 90s - we've even taken calls from a few centenarians! While travel insurance is a must for all travellers, it is especially important for older travellers who might have pre-existing conditions. But if you are a little older, you can find it more challenging to find travel insurance which meets your needs and budget, as premiums can be higher, coverage can be lower, or particular travel insurers may not cover you at all. The Compare Travel Insurance seniors travel insurance experts are here to help.
Here's our top five tips for purchasing seniors travel insurance:
Although you can compare seniors quotes up to the age 120 on Comparetravelinsurance.com.au, some insurers do have age limits you should be aware of. Our handy guide provides more details on seniors travel insurance age limits.
Most insurers cover Type I and Type II diabetes if you were diagnosed more than 12 months ago - age restrictions often apply. Luckily for you - our diabetes guide details who-covers-what.
Most insurers cover some form of hypertention automatically, but conditions to do with your last reading and age limit might apply. Our handy table helps you compare who cover hypertention.
Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medical condition not listed, you may be able to get cover for an additional fee. Depending upon the seriousness and recency of the condition, your application may require further assessment. See more about pre-existing conditions and medical assessments here.
Not all travel insurance policies cover your golf clubs as standard, or luggage limits may apply. Make sure you do your research to ensure you are covered for clubs that are damaged in transit whilst in the hold, or for damage to clubs whilst in use- as this is often an exclusion. See more information about who offers golf cover here.
Mid-range and Comprehensive policies provide cover for your items - but single item limits apply. Usually you will be covered for around $750 per item. If your hearing aids of false teeth (or any other high value item) are worth more than this, you'll need to tell your insurer so they can make sure you are properly insured.
It depends! Some insurers cover you for cruising automatically, others require you to purchase their cruise pack in order to covered on land and sea. If you click 'more info' within the quote results, we tell you if the policy covers for cruises automatically. Alternatively, when you are directed to your chosen insurer's site to buy, they will ask you if you want to add extras like cruise, activites, high value items and more. Make sure you select YES at this point if you are taking a cruise.
Got a quote and read the Product Disclosure Statement, but still not sure which seniors travel insurance policy to choose? Our travel insurance reviews are here to help! Thousands of Australian customers have given us their thoughts on their travel insurer to help you compare the customer service and claims process.