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Seniors Travel Insurance

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Before you buy, please read our travel alerts.

"great experience (apart from the torn ACL!). Huge thanks to our emergency case manger. Outstanding!!"
— Matthew Noblet June 2024

The one thing you need

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.

 

Unlimited Medical

Unlimited Medical

We offer unlimited medical cover for all travellers with no age limits on single trip policies. See the PDS for details. 

Pre-Existing Conditions

Pre-Existing Medical Conditions

We have easy online medical assessment that allows you to apply to cover your pre-existing medical conditions.

Unlimited Cancellation

Variable Cancellation

Plans change before you travel. That's why we let you choose how much cover you need for cancellation fees and lost deposits.

Unexpected Travel Delays

Travel Delays

  • Your journey could be delayed by events outside of your control like severe weather. Our cover includes  additional accommodation and meal expenses.

 

 

 

 

 

 

 

Seniors Travel Insurance fAQS

  • do you cover covid?
  • 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.

  • is Seniors travel Insurance a separate policy?
  • 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. 

  • What age Limits apply to travel insurance cover?
  • Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.

  • Can I Buy travel insurance for over 80?
  • Yes, Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.

  • can i get Travel insurance for cruising as a Senior?
  • 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. 

  • Do I need Travel Insurance for a Domestic Cruise?
  • 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.

  • What Is A Pre-Existing Medical Condition?
  • 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. 

  • Which Pre-Existing Medical Conditions are not covered?
  • 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. 

  • If I can’t get cover for my pre-existing medical condition, can I still buy a policy?
  • 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.

  • does travel insurance cover for a stoke, cancer or pulmonary embolism?
  • 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. 

  • Am I covered for stopovers?
  • 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.

  • do you cover for senior relatives?
  • 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.

  • what is the best travel insurance for seniors?
  • 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.

  • how can seniors get cheap travel insurance?
  • 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.

  • do I Need travel insurance for domestic trips?
  • 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.

READ ALL FAQS

 

 

Domestic Cruising
 

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.

 

 

 

Our Travel Insurance Benefits for Seniors

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 WordingRefer to the PDS for full details or get a quote now

Policy BenefitComprehensive
(Single-Trip & Frequent Traveller)
Medical Only
(available for ages 74 and under)
Emergency
24/7 Emergency Assistance Serviceincludedincluded
Medical
Overseas Emergency Medical & Hospital ExpensesSOunlimitedunlimited
Dental Expenses$1,000$1,000
Hospital Cash AllowanceSO$5,000-
Repatriation Of Remains$25,000$25,000
Permanent Disability$25,000-
Loss of IncomeSO$10,400-
Luggage & Personal Items
Travel Documents & Transaction Cards$5,000-
Theft of CashP$250-
Luggage & Personal EffectsASO$15,000-
Luggage & Personal Effects Delay ExpensesASO$1,000-
Cancellation & Delay
Pre-Departure Cancellation Fees & Lost DepositsPSOchosen limit-
Pre-Departure Amendments to JourneyA$2,000-
On-trip Disruption
On-trip Cancellation Fees & Lost DepositsPSOchosen limit-
Additional Accommodation & Travel Expenses
— Family Emergency
— Emergency Companion Cover
ASO$50,000-
Travel Delay ExpensesSO$2,000-
Special Event Transport Expenses$2,000-
Other
Personal LiabilityP$5 million$5 million
Domestic PetsSO$500-
Domestic ServicesSO$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.

 

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We've Already Helped
2 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Recommend to friends & family"

    “1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • "Outstanding service"

    “We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”

    Matthew Noblet, June 24

  • "Process was so easy"

    In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!

    Kenneth & Angela Murray, May 24

It could happen to you

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.

 

 

Pre-existing Medical conditions

 

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.

 

 

pre existing medical conditions

 

 

Seniors Travel Tips

Health considerations

Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical-related questions here

Seniors cruising

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.

popular holidays for seniors

Campervan to cruising, see how other white hair wanderers are spending their retirement.

seniors travel Inspiration

 Stumped about how you'd like to travel, read on for some of the most popular types of holidays for senior travellers.