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 :)
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. Frequent travellers - save by purchasing an annual policy rather than buying an individual one each time.
What's the catch?
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. See our handy table below which explains it all...
Who offers travel insurance to senior travellers?
Hover over the red text for more information
NOTE: This does not refer to age restrictions in regards to family members. The following table explains at what age you can purchase a policy up until.
Single trip policy
Annual multi-trip policy age limits
Annual multi-trip individual trip duration limits
|1Cover||No age limit||Under 60||Max trip duration 90 days|
|1300 Insurance||No Age Limit||Under 74||Max trip duration options 15, 30 and 45 days|
|1st for Women||Comprehensive and Domestic under 100 years. Last minute and Essential under 75 years.||Under 75||Max trip duration 30 days|
|AIG||Under 69||Under 69||Max trip duration 45 days|
|Allianz Australia Insurance Limited||No age limit||Under 74||Max trip duration options 15, 30 and 45 days|
|American Express||Under 89 Ultimate and Comprehensive. Under 79 Essentials. Under 69 Basic.||Under 65||Max trip duration 45 days|
|Australia Seniors||Under 89||Under 79||Max trip duration 45 days|
|Boomers||No age limit||Under 74||Max trip duration options 15, 30 and 45 days|
|Budget Direct||Comprehensive and Domestic under 100 years. Last minute and Essential under 75 years.||Under 75||Max trip duration 30 days|
|Chubb Insurance Australia Limited||Under 69||Under 69||Interational 90 days, Domestic 45 days|
|Citibank||Under 69||Under 69||Max trip duration 45 days|
|Columbus Direct||Under 84||Under 74||Max trip duration 60 days|
|Comminsure||No age limit||Under 74||Max trip duration options are 15, 30 and 45 days|
|Cover-more||Under 84||Under 75||Max trip duration options are 30, 45 or 60 days|
|Downunder||No age limit||Under 65||Max trip duration 37 days (leisure), 90 days (business)|
|Easy Travel||No age limit||Under 70||Max trip duration 60 days|
|Fast Cover||No age limit||Under 59||Max trip duration 40 days|
|Go Insurance||Under 75||Under 75||Max trip duration options are 31, 50 and 60 days|
|Insure4Less||Under 65||Under 65||Max trip duration options are 31, 45, 62 and 93 days|
|Insure and Go||Under 100||Under 100||Max trip duration options are 30, 45 and 60 days|
|Kango Cover||69 and under||Under 69||Max trip duration options are 35 and 60 days|
|Multi-Trip||Under 79||Under 79||Max trip duration options 30, 45 and 60 days|
|NIB||Under 81||Under 76||Max trip duration 90 days (business), 38 days (leisure)|
|No Worries||Under 85||Under 75||Max trip duration is 60 days|
|NRMA||Under 84||Under 74||Max trip duration options 30, 45 and 60 days(international) 15 and 30 days (Business)|
|Online Travel Insurance||Under 75||Under 75||Max trip duration options are 15, 30 and 45 days|
|On-Tour||Under 70||Under 70||Max trip duration 45 days|
|Priceline Protects||Under 74||Under 69||Max trip duration 40 days (business), 90 days (international)|
|Qantas||No age limit||Under 69||Max trip duration 60 days|
|QBE||No age limit||Under 70||Max trip duration 60 days|
|Real Insurance||Under 79||Under 75||Max trip duration 30 days|
|Seniors Travel Insurance||Under 89||Under 79||Max trip duration 45 days|
|Simply Travel Insurance||No age limit||Under 65||Max trip duration 90 days|
|SCTI||No age limit||No age limit||Max trip duration 90 days|
|Suresave||No age limit||Under 75||Max trip duration 50 days|
|TID||Under 81||Under 75||Max trip duration 38 days (leisure), 90 days (business)|
|Travel Insurance Saver||Under 100||Under 70||Max trip duration 60 days|
|Travel Insuranz||Under 70||Under 70||Max trip duration options 31, 45, 62 and 93 days|
|Traveller||Under 69||Under 69||Max trip duration options 90 days (Worldwide) 45 days (Domestic)|
|Virgin Money||Under 74||Under 74||Max trip duration options are 31, 45 or 62 days|
|Westpac||No age limit||Under 74||Max trip duration options 15, 30 and 45 days|
|Worldcare||Under 86||Under 71||Max trip duration 37 days (leisure), 90 days (business)|
|Webjet||Under 75||Under 75||Max trip duration 37 days (leisure), 90 days (business)|
|Woolworths||Under 79||Under 75||Max trip duration 30 days|
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.
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.
We clear up grey areas for seniors!