Seniors Travel Insurance

The basic terms and inclusions of seniors travel insurance and regular travel insurance are similar but as a senior your policy will generally be more expensive than someone who is younger.

There are some travel insurers that offer policies exclusively for seniors and these may have higher medical limits or cover more pre-existing conditions that regular travel insurance.

Depending on your holiday, age and personal requirements, you can choose from the following types of seniors travel insurance:

• Basic. As the name suggests, this offers basic inclusions like medical and some amount of luggage cover. Depending on the policy, the medical cover could be unlimited or limited to a set figure.
• Standard. A little more expensive than basic travel insurance, this includes higher limits on medical as well as baggage fees. It can also offer a cover for flight delays and cancellations.
• Comprehensive. This is the best travel insurance for seniors in terms of inclusions and the level of cover it offers. It also usually includes a number of pre-existing medical conditions for seniors.

It will depend on the condition and the insurer. Many travel insurance providers cover a range of pre-existing conditions as part of their standard cover. Mozo can help you to narrow down the travel insurance providers and policies that offer cover for your specific condition. At the results page of our quote tool, there is a list of common conditions. By checking the filter your results will then be resorted to only show you travel insurance providers that cover for that condition.

If you have a pre-existing medical condition, make sure that the provider is aware of it when you complete your application and read the product disclosure statement carefully to ensure you meet the requirements.

The good news is that there are some travel insurance policies that will cover you up to 100 years old. Every insurer will have a different age limit for their policy. Luckily, you’ve come to Mozo and by completing the information about your trip and your age we’ll be able to narrow down the insurance options for your specific age.

Just like regular travel insurance, it’s also a smart idea to buy seniors travel insurance as soon as you’ve booked your trip. Depending on the policy you buy, this can protect you against any emergencies or last minute changes to your holiday plans. The cost of insurance doesn’t go up if you buy it in advance because you just need to pay from the time your trip actually starts till the you get back home.

While there are some things like a generous medical cover and cancellation allowance that are good to have for any kind of a trip, there are other useful inclusions that you can look for depending on the kind of trip you have in mind. Here are some of the standard as well as extra features that you can look for in a seniors travel insurance:

Medical cover:  A generous (ideally unlimited) medical cover is one of the most important things to look for in a seniors travel insurance policy. Let your insurance provider know of any pre-existing medical condition so that you know if it’s included in the cover or if you need to pay a little extra for it.

Cancellation fees:  Flight and holiday cancellations can happen at the last moment for multiple reasons. Whether it’s because of the airline or you can’t go ahead with the travel plans for personal reasons, if you’ve got the right kind of insurance policy, you will be covered for the cancellation cost.

Cruise cover: If you’re planning to take off on a luxurious cruise, you must look for a policy that includes the relevant cover. Medical emergencies on the sea can be very expensive if you’re not covered simply because transportation costs can go up to thousands. The right kind of policy will cover the cost of transport from the cruise to the nearest hospital and other medical expenses. Cruise cover will also make you eligible for covers for lost luggage and cancellations.

Sports: Whether you’re planning to spend your holiday time playing golf or you want to try something a little adventurous, a cover for sports related injury as well as sporting equipment will let you enjoy the trip a little more knowing you’re taken care of.

Domestic services cover: In case you injure yourself while you’re traveling overseas, certain kinds of seniors travel insurance policies can also cover you for domestic chores for a period of time. Won’t that be a blessing!

This is simple - use Mozo’s travel insurance comparison calculator to shortlist the best seniors travel insurance policy suited to your holiday plans. You’ll just need to plug in a few details of your travel plan, for instance, your destination, the duration of your trip and if you’re looking for an extra cover. Once you’ve got a shortlist of potential providers, it’s helpful to read reviews from real people who have used these policies for an unbiased opinion. Mozo has compiled a number of travel insurance reviews, which could give you a better insight into the policy you are considering. In case you still have some more questions, you can check out our detailed seniors travel insurance guide for more information.