Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
If you’re over 60 finding reasonably priced seniors travel insurance can be tricky, however this doesn’t mean you should compromise on cover!
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 :)
|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||No Age Limit||Under 65||Max trip duration options 21, 45 or 90 days.|
|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||Under 89.||Under 70||Max trip duration options 30, 45 or 60 days|
|Australian Seniors||Under 90||Under 80||Max trip duration of 45 days|
|Boomers||No Age Limit||Under 74||Max trip duration options 15, 30 and 45 days|
|Budget Direct||Under 100||Under 75||Max trip duration of 30 days|
|Columbus Direct||Under 84||Under 69||Max trip duration of 60 days|
|Cover-More||Under 85||Under 75||Max trip duration options are 30, 45 or 60 days|
|Downunder||Under 60||Under 60||Max trip duration is 21 or 45 days.|
|Easy Travel Insurance||Under 85||Under 75||Max trip duration options are 30, 45 or 60 days|
|Fast Cover||No Age Limit||Under 65||Max trip duration options 15, 25, 40 or 63 days|
|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"||Under 100||Under 100||Max trip duration options are 30, 45 and 60 days|
|No Worries Insurance||Under 80||Under 70||Max trip duration is 60 days|
|NRMA||Under 84||Under 74||Max trip duration options 30, 45 and 60 days.|
|Online Travel Insurance||Under 75||Under 75||Max trip duration options are 15, 30 and 45 days|
|Priceline||Under 75||Under 70||Max trip duration of 45 days.|
|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||No Age Limit||Under 65||Max trip duration of 90 days|
|No Age Limit||Under 76||Max trip duration options 30 or 50 days.|
Travel Insurance Saver
|Under 100||Under 100||Max trip duration of 45 days|
|Travel Insuranz||Under 70||Under 70||Max trip duration options 31, 45, 62 and 93 days|
|Virgin Money||No Age Limit||Under 75||Max trip duration options are 15, 30 and 45 days|
|No Age Limit||Under 75||Max trip duration options are 15, 30 and 45 days|
|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||No Age Limit||Under 74||Max trip duration options are 15, 30 and 45 days|
|Zoom Travel Insurance||Under 85||Under 70||Max trip duration 15 and 45 days|
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.
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.
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.
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.
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.