Best Travel Insurance for Seniors

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