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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 :)

Which is the best policy?

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.

Insurer

Single trip policy
age limits

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 Under 100  Under 70 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 80  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 Under 100  Under 70 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 No age limit 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) 
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 74  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

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.

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!

senior travel insurance age limits

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Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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