Best Travel Insurance for Seniors

 Make the most of your next holiday. Compare with Savvy and find the best seniors travel insurance today.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 4th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Compare Travel Insurance Quotes in 30 Seconds

Finding the best travel insurance is vital if you’re a senior traveller who wants to grey-nomad across the country or explore a foreign land. With countless choices online, Savvy can lend a hand to help you make a potentially tricky decision simpler.

By comparing with us, you can consider the advantages and drawbacks of policies from some of Australia’s leading insurers. This helps you find a policy that’s perfectly suited to your trip, so take the guesswork out of choosing and start comparing with Savvy today.

How do I find the best travel insurance if I’m a senior?

If you’re a little older and a little wiser, you’ll know that finding the best seniors’ travel insurance for your next holiday is as important as packing your passport and luggage. Whether you’re staying in Australia or heading into international waters, the right policy can give you peace of mind that you’re protected no matter where you are.

If you’re looking for the best of the best in travel insurance policies, follow some of Savvy’s nifty tips and tricks to unearth the best policy for you.

Consider the level of cover you need

If you’re on the hunt for travel insurance, it’s important to remember that the cheapest policy won’t always be the best one for you. Consider the necessary travel insurance coverage you need for your trip and look at your options. For example, if you’ve spent a considerable amount of money on non-refundable accommodation and tours, you may want to consider comprehensive coverage.

Look at the costs

Work out how much you have to spend on your travel insurance and try to find a policy within that price bracket. If you’re travelling light, you may find you only need basic medical-only insurance rather than top-tier coverage. Also, don’t just look at the premium. Consider the out-of-pocket excess your insurer wants if you need to make a claim.

Compare quotes with Savvy

Shopping around with us lets you take the guesswork out of finding travel insurance for your next holiday. You can weigh up the pros and cons of each policy by completing a side-by-side comparison, allowing you to find a policy with the perfect mix of benefits for a price you can afford.

Read the small print

Every travel insurance product comes with a Product Disclosure Statement which outlines the finer details of the policy. These documents include information about your inclusions and exclusions and what you can and can’t claim for. Your insurer may not spell out all the details on their website, so it’s important to check this before you settle on a policy.

Look for policies with pre-existing conditions cover

If you're one of the almost 80% of Australians living with a pre-existing condition, finding a travel insurer that covers it is essential if you’re heading overseas. Many insurers provide automatic coverage for a string of pre-existing conditions as part of their standard policies. These include:

  • Cataracts
  • Certain types of diabetes
  • Glaucoma
  • High cholesterol and high blood pressure
  • Macular degeneration
  • Migraines
  • Osteoporosis
  • Sleep apnoea

You can also be covered for more serious illnesses if you pay a higher premium. Some of these include:

  • Certain types of non-terminal cancer
  • Conditions requiring surgery in the last 12 months
  • Deep vein thrombosis
  • Heart conditions (including using a pacemaker)
  • Lung disease
  • Multiple sclerosis

What do the best seniors-specific travel insurance policies cover?

If you’re one of the four million Australians aged over 65, you're spoilt for choice when it comes to travel insurance options for your next holiday. While that can be handy when it comes to shopping around, it can make it tricky to find the best policy. Some of the must-haves when you’re on the hunt for the perfect travel insurance are:

  • Emergency medical and hospital expenses: if you’re trekking the peaks and valleys on a trip to Vietnam and need medical attention, your insurer will pay for it. Any medical treatment, ambulance rides or hospital visits are covered by your provider as long as the injury or illness is covered under your policy. If you’re doing some domestic travel, your medical costs will be borne by Medicare or your private health insurance. Also, as mentioned, treatment for select pre-existing conditions can be covered.
  • Evacuation: Mother Nature can be an unpredictable beast. If you’re caught up in a natural disaster, whether it be an earthquake or a bushfire, and you need to be evacuated, your insurance company can cover the costs.
  • 24/7 assistance: most policies allow you to contact your insurance company day or night to seek assistance if you’re facing an emergency.
  • Theft, loss or damage of luggage: having your luggage stolen or damaged on your holiday can be a real lowlight on an otherwise enjoyable trip. Luckily, most comprehensive policies allow you to claim for the replacement or repair of your baggage, up to an agreed limit.
  • Cancellation: if you need to cancel your holiday at the last minute due to a family crisis or poor health, most top-level coverage will allow you to get a full refund on any pre-paid expenses such as hotels, tours and flights.
  • Delays: even the most well-planned holidays can be hit by travel delays and interruptions. If your plane is delayed by more than 24 hours, your insurer can cover the cost of accommodation, meals and essentials such as clothes and toiletries while you wait for your flight. They can even pay for the care of your pets back home if you’re away longer than expected.
  • Special event transport: your insurance company will make sure you get to your wedding, conference or another special event if there’s a delay in your travel plans.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

How do I compare seniors’ travel insurance policies?

Frequently asked questions about seniors' travel insurance

How do I find the best coverage if I’m travelling with my grandkids?

Most insurance companies will allow you to automatically include your grandchildren in your policy for free If you’re planning a fun-filled holiday. However, they usually need to be under 20 to 25 years old, not working full-time, financially dependent on you and staying with you for the duration of the holiday.

What is the best seniors’ travel insurance if I’m over 75?

If you’re a senior over 75 years old, you’ll be looking for the cheapest domestic or international policy that offers you the most protection as everyone else does. If you reach 65, travel insurance tends to get more expensive, so it’s important to compare and do your homework to make sure you aren’t paying more for coverage than you need to.

What is the best seniors’ travel insurance for a cruise holiday?

When you’re heading off on a domestic or international cruise, you’ll want to ensure you are covered for missed ports, cabin confinement and any cancellation of shore excursions. It’s also best to keep an eye out for policies with generous claim limits in case you need to make a claim while you’re at sea.

What is the best travel insurance if I’m a frequent traveller?

Annual policies can be handy if you’re a senior who is frequently hitting the road, skies or water. These policies cover you for multiple holidays over a 12-month period. However, these policies have caps on the maximum length of time you can be away, ranging from 30 to 90 days. Most providers have age limits on their policies which range from 65 years old to 75 which may only cover travel over a 90-day span, rather than 365.

How do I make a claim on my travel insurance as a senior?

If something happens while you’re away from home and you need to make a claim, you can submit it through your insurer’s portal. You will need to provide the following when completing the claim form:

  • Policy reference number
  • Any contact or trip information
  • Details of the incident
  • Supporting documents such as medical or police reports, receipts or invoices, photographs and written statements
  • Bank account details for payment


You’ll need to fill out the claim form with ample detail. Remember to respond promptly to any requests for clarification as this will avoid any hold-ups during the process. If your claim is approved, your money should be deposited very soon after.

When is the latest I can purchase seniors’ travel insurance?

If you’re wondering how late you can buy travel insurance, the answer is any time before you take off on your holiday. However, it’s best to purchase your insurance as soon as you know your travel dates as you’ll maximise the amount of time you’re covered.

Helpful travel insurance guides

Travel Insurance Banner - Couple holding hands at the airport looking out over the runway.

Why Do I Need Travel Insurance?

Asking yourself why you need travel insurance for your holiday? Compare with Savvy and understand the benefits. Compare Travel Insurance...

Travel Insurance Banner - Group of young friends smiling on a ski lift overlooking the snow.

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

Travel Insurance Banner - Young couple with their baby checking into a hotel with a young female concierge.

Best International Travel Insurance

Travelling abroad? Compare policies and find your international travel insurance here with Savvy. Compare Travel Insurance Quotes in 30 Seconds...

Travel Insurance Banner - Young couple smiling in a meeting with a travel insurance broker.

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

Travel Insurance Banner - Man looking on his computer at travel insurance.

How Much Is Travel Insurance?

Wondering how much your travel insurance might cost? Compare with Savvy and find out today. Compare Travel Insurance Quotes in...

We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.