Smarter travel insurance comparisons with Mozo
-
Choose from established Aussie brands.
Choose with confidence from multiple Australian insurers.
-
Instant, clear comparison.
Save time by easily comparing your options all in one place.
-
Cover you actually control.
Instantly change cover levels for luggage and cancellation to match your budget.
What types of senior travel insurance are there?
Travel Insurance providers will often have a few different types of travel insurance policies for seniors to choose from. These can be:
- Basic travel insurance: As the name suggests, this cover is designed for the essentials, such as medical emergencies, lost luggage and cancellations. Basic policies can also come with age limits, meaning people over 75, for example, may not be eligible.
- Comprehensive travel insurance: Most comprehensive travel insurance policies come with a higher age limit, sometimes up to 100-years-old. Plus comprehensive cover often includes greater cover for pre-existing medical conditions, meaning it may offer more benefits to seniors. Just be aware that coverage for pre-existing medical conditions may be subject to a medical assessment and may require an additional premium.
- Domestic travel insurance: Lastly, domestic offers cover for travel within Australia. It can be useful in case of things like last minute cancellations, delays and lost luggage.
Single trip or multi-trip travel insurance
- Single trip travel insurance: Single trip travel insurance is simply insurance that covers a single holiday or trip. Cover starts and ends when the holiday/trip starts and ends.
- Multi-trip travel insurance: Sometimes called annual travel insurance, multi-trip travel insurance is a policy that provides cover for multiple overseas trips over a selected period of time. Each individual trip could be 30 days, 45 days or even 90 days in length, depending on the individual policy.
What is covered with seniors travel insurance?
Generally, comprehensive seniors travel insurance provides cover for essentials, such as medical emergencies, personal liability, luggage and personal belongings, cancellations and delays. Of course there may be a few things you want a little more certainty about.
A few things to consider focusing on when looking for a policy are:
- Medical cover: When taking out a travel insurance policy, be honest about any pre-existing conditions you might have. Insurance providers will often assess what cover to provide for certain health conditions on a case by case basis. Not disclosing details about a pre-existing condition before taking out the policy, could lead to a claim being denied.
- Cruise cover: A number of travel insurance providers offer cover tailored towards certain types of holidays, such as cruises.
- Sport cover: Some insurance providers may offer cover for specific holidays, e.g. skiing holidays, although these will sometimes come with an age limit, which could be around 75 years of age.
- Pet cover: Got a furry friend who needs taking care of while you’re away? You might be pleased to know that some travel insurance providers actually provide some cover for kennel costs while you’re away.
IMPORTANT: Cover will vary between policies and providers so before you purchase Travel Insurance it's important to read the relevant Product Disclosure Statement (PDS) so that you are aware of cover limits, exclusions and inclusions.
What pre-existing conditions does seniors travel insurance cover?
Exactly what pre-existing conditions seniors travel insurance covers will vary from policy to policy. Generally though, cover is provided for conditions such as diabetes, heart conditions and epilepsy. Although it should be noted that insurance companies will often have sub age limits for particular conditions.
When applying for travel insurance you may be asked to disclose details of a pre-existing medical condition. Often providers will assess medical conditions individually and provide cover on a case by case basis and may require an additional premium.
FAQs about seniors travel insurance
When should I get travel insurance for my trip?
A good time to take out insurance is once you have booked and confirmed everything. The sooner you take out a policy, the sooner you will have cover for things like cancellations.
Most travel insurance providers will require that you sign up to a policy before departing Australia for your trip or travel.
You only need to purchase travel insurance for the dates between and including the date you depart and when you arrive back in Australia.
Does seniors travel insurance cover grandchildren?
Usually seniors travel insurance will cover dependents travelling with the main policyholder. To be classed as a dependent, grandchildren will typically have to be under a certain age. This can be anywhere from 18 to 25 years, but will vary depending on the insurer.