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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
No Age Limit Under 75 Max trip duration options 15, 30 and 45 days  
No Age Limit  Under 65 Max trip duration options 21, 45 or 90 days. GO TO INSURER
No Age Limit Under 70 Max trip duration 45 days.  
No Age Limit Under 74 Max trip duration options 15, 30 and 45 days.  
Under 89. Under 70 Max trip duration options 30, 45 or 60 days GO TO INSURER
Under 90 Under 80 Max trip duration 45 days  
No Age Limit Under 74 Max trip duration options 15, 30 and 45 days GO TO INSURER
Under 100 Under 75 Max trip duration 30 days GO TO INSURER
Under 84 Under 69 Max trip duration 60 days GO TO INSURER
Under 84 Under 75 Max trip duration options are 30, 45 or 60 days  
Under 60 Under 60 Max trip duration are 21 or 45 days. GO TO INSURER
No Age Limit Under 70 Max trip duration 60 days  
No Age Limit Under 65 Max trip duration options 15, 25, 40 or 63 days GO TO INSURER
Under 75 Under 75 Max trip duration options are 31, 50 and 60 days  
Under 91 Under 91 Max trip duration options are 31, 45, 62 and 93 days  
Under 100 Under 100 Max trip duration options are 30, 45 and 60 days GO TO INSURER
Under 75 Under 75 Max trip duration options are 21 and 35 days. GO TO INSURER
Under 80 Under 70 Max trip duration is 60 days GO TO INSURER
Under 84 Under 74 Max trip duration options 30, 45 and 60 days.  
Under 75 Under 75 Max trip duration options are 15, 30 and 45 days GO TO INSURER
Under 75 Under 70 Max trip duration 45 days. GO TO INSURER
No Age Limit. Under 69 Max trip duration 60 days  
Under 79 Under 76 Max trip duration 30 days  
No age limit No age limit Max trip duration options are 30, 60 or  90 days  
No Age Limit Under 65 Max trip duration 90 days GO TO INSURER
No Age Limit Under 77 Max trip duration options 30 or 50 days.  
Under 100 Under 70 Max trip duration 60 days GO TO INSURER
Under 70 Under 70 Max trip duration options 31, 45, 62 and 93 days GO TO INSURER
No Age Limit Under 75 Max trip duration options are 15, 30 and 45 days GO TO INSURER
No Age Limit Under 75 Max trip duration options are 15, 30 and 45 days GO TO INSURER
No age limit Under 75 Max trip duration options are 15, 30 and 45 days  
Under 80 Under 76 Max trip duration 30 days  
No Age Limit Under 74 Max trip duration options are 15, 30 and 45 days GO TO INSURER
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.

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