Before you buy, please read our travel alerts.
No matter if you're 18 or 80, there are plenty of things that can go wrong when travelling. 1Cover's Comprehensive Travel Insurance policies cover grey nomads with no age limit. Get comprehensive cover for your pre-existing conditions, including overseas medical cover for Covid.
We offer unlimited medical cover for all travellers with no age limits on single trip policies. See the PDS for details.
We have easy online medical assessment that allows you to apply to cover your pre-existing medical conditions.
Plans change before you travel. That's why we let you choose how much cover you need for cancellation fees and lost deposits.
1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas. We cover any cancellation costs or additional costs incurred because of Coronavirus. Read more in our Covid help centre.
No, we do not have a separate policy for seniors. Just put the age you are now into the quote form and you will be able to pick a plan tailored to your details and your trip.
Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.
Yes, Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.
Yes. Things like medical costs can really blow out on a cruise, so a Cruise Pack is required to be covered for anything that happens at sea internationally and domestically. You need to tell us about each country you’ll be visiting on your cruise to be covered for those countries.
Once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by Medicare and private health when you leave the boat for cruise excursions.
If you want medical travel insurance on your domestic cruise, you’ll need to purchase a Cruise Pack to cover you. If you’re taking a cruise within Australian waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "Australia Cruise" as the destination/region. You can find out more about choosing your cruise region here.
A pre-existing medical condition is a condition you have at the time of buying your policy. You must declare any existing conditions when purchasing cover or it could affect a claim later. See our pre-existing medical conditions page for more information.
We do not cover if you are travelling against medical advice or been given a terminal diagnosis. If you are awaiting surgery, treatment, investigation or procedures for any current or yet to be diagnosed health conditions. Or for cosmetic surgery or fertility treatment. If you have a medical conditon it will need to be assessed. Some conditions will require an additional premium for your pre-existing condition to be covered. You will find this out after completing the online medical assessment which you'll find when going through the steps to buy cover online.
During the purchase process, you can fill out a short medical questionnaire which will tell you whether you’re covered or not.
If your condition is not covered, you may still be able to purchase travel insurance that will cover you for events not related to your condition. If we can't cover your condition, it means that anyone under your policy would not be able to claim for any costs arising from, related to, or associated with, your pre-existing medical condition/s.
Travel insurance can cover a range of conditions, but each will be assessed on a case by case basis. When getting a quote, complete the medical assessment and answer all the questions and you'll receive an answer as to whether your condition can be covered.
You need to include all destinations you're travelling to, apart from stopovers of less than two nights – except the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.
Note that 1Cover policies have a general exclusion for relatives aged over 85 years. We cannot cover for cancellation fees or lost deposits that arise because of the Death, Injury or Illness of a Relative aged 85 and over.
When you're in your golden years, you want to make sure you're properly protected so you can really let your hair down when you travel. To ensure you're getting the best cover, make sure you have comprehensive cover for medical treatment overseas, and pre-trip cancellation in case an unforseen event caused you to cancel unexpectedly. If your belongings are important to you, a decent amount of luggage protection is smart. Make sure the insurance you purchase includes cover for your pre-existing medical conditions and always read the policy wording to understand the terms and exclusions that apply.
The cost of travel insurance is really all to do with risk. The price is determined on where you travel, how long you go for and your age. Often older travellers do incur higher premiums for their cover, but this is a small price to pay if you consider the cost of medical treatment overseas. You can save by purchasing annual cover, comparing your options, taking shorter trips. But really if you can't afford travel insurance, you can't afford to travel.
Many people assume they don’t need domestic travel insurance because of Medicare. But there are still plenty of things that can go wrong on a domestic trip: lost luggage, or cancelled plans due to flight delays/cancellations, natural disasters like bushfires, or other unforeseen circumstances.
If you're on a domestic cruise within Australian waters you are no longer covered by Medicare. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise. Learn more about cruise insurance.
1Cover offers a Medical Only travel insurance policy and a Comprehensive travel insurance policy for Australian seniors looking to travel overseas. Compare the benefits below, or see the full details in the Policy Wording. Refer to the PDS for full details or get a quote now.
Policy Benefit | Comprehensive (Single-Trip & Frequent Traveller) | Medical Only (available for ages 74 and under) | |
---|---|---|---|
Emergency | |||
24/7 Emergency Assistance Service | included | included | |
Medical | |||
Overseas Emergency Medical & Hospital Expenses | SO | unlimited | unlimited |
Dental Expenses | $1,000 | $1,000 | |
Hospital Cash Allowance | SO | $5,000 | - |
Repatriation Of Remains | $25,000 | $25,000 | |
Permanent Disability | $25,000 | - | |
Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
Travel Documents & Transaction Cards | $5,000 | - | |
Theft of Cash | P | $250 | - |
Luggage & Personal Effects | ASO | $15,000 | - |
Luggage & Personal Effects Delay Expenses | ASO | $1,000 | - |
Cancellation & Delay | |||
Pre-Departure Cancellation Fees & Lost Deposits | PSO | chosen limit | - |
Pre-Departure Amendments to Journey | A | $2,000 | - |
On-trip Disruption | |||
On-trip Cancellation Fees & Lost Deposits | PSO | chosen limit | - |
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | ASO | $50,000 | - |
Travel Delay Expenses | SO | $2,000 | - |
Special Event Transport Expenses | $2,000 | - | |
Other | |||
Personal Liability | P | $5 million | $5 million |
Domestic Pets | SO | $500 | - |
Domestic Services | SO | $500 | - |
This table is a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. All benefits are per traveller, unless specified. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
72-year old Te Ao Maaka was on her way to Bali International Airport for a flight home to New Zealand when she suffered a heart attack. She was taken to hospital but refused treatment by doctors until demands for payment by hospital staff were met. Thankfully, Te Ao Maaka had a seniors travel insurance policy with 1Cover.
1Cover alleviated the stress of the situation by handling payments for medical assistance and making sure her family was by her side. Te Ao Maaka was in hospital with family by her side for 13 days before being repatriated to New Zealand on a comfortable flight. Back home, she made a complete recovery from her heart attack.
Watch Te Ao’s story to find out more.
If we don’t have a full picture of your health before you travel, then any claims that you make can be reduced or rejected, or your whole insurance policy might become void. Additionally, if something happens to you and it’s a result of your medical condition, we can’t cover you if you if we didn’t pre-approve your condition. So make sure you declare your existing medical conditions when getting a quote online. It is the most efficient way to declare medical conditions and answer the relevant questions during the medical assessment. Learn more about pre-existing medical conditions.
Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical-related questions here.
Then you’ll want to take a look at our cruising guide for seniors. Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.
Campervan to cruising, see how other white hair wanderers are spending their retirement.
Stumped about how you'd like to travel, read on for some of the most popular types of holidays for senior travellers.