COTA Travel Insurance Review

Learn more about COTA’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today. 

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, updated on June 26th, 2023       

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COTA(formerly known as the Council on the Ageing) is an Australian organisation which promotes wellbeing and quality of life for seniors over the age of 50. Founded in 1979, COTA not only fights for better aged care, hospitals and against ageism, it also provides travel insurance to those of a certain age.

If you’re considering a travel insurance policy with COTA but want to find out more about other options on the market, you can compare a variety of online quotes with Savvy to find a policy that gives you the greatest bang for your buck.

Find out more about COTA’s travel insurance policies, grab a quote online and compare with Savvy today.

*Please note that Savvy doesn’t represent COTA for its travel insurance products.

More about COTA travel insurance

What types of travel insurance policies does COTA offer?

COTA’s selection of travel insurance policies includes:

  • Comprehensive Plan: under this comprehensive travel insurance, you can get coverage for trips up to one year long, with coverage available for up to a year before you plan to leave. There may be a medical exam requirement if you’re over 81 and this covers the policyholder, their spouse or domestic partner and their children, up to the policy's maximum limit.
  • Essentials Plan: this basic coverage offers you protection for a slew of incidentals, including overseas medical costs, emergency travel arrangements, travel delays and the cancellation and resumption of your trip if you need to return home to Australia in a hurry. However, you won’t be covered for emergency accommodation due to a terrorist attack, hiring replacement golf or surfing equipment and loss of income due to delays in returning home. You must be no older than 69 to take out an essentials policy.
  • Australian Travel Plan: this policy is for those wanting to take a trip across Australia and provides you with benefits such as cover for additional charges, cancellation fees, baggage and personal possessions, rental vehicle insurance excess, accidental death and personal liability.
  • Annual Multi-Trip: this type of annual travel insurance policy is for frequent travellers. Each journey is restricted to a maximum of 50 days and can be purchased 30 days before you jet off, with your coverage lasting for 12 months. Unlike some annual policies, this one doesn’t have an age limit attached to it.
Essentials Plan Comprehensive Plan Australian Travel Plan
Overseas medical expenses
Emergency expenses
Medical evacuation cover
Luggage and personal items
Theft of money
Rental car excess
Loss of income
Emergency luggage
Cancellation and lost deposits
Chosen limit
Chosen limit
Chosen limit
Personal liability
$1 million
$2.5 million

No matter if you’re heading off on your honeymoon to the Maldives or planning to lay on a sun-soaked beach in Brisbane, it pays to compare online travel insurance quotes with Savvy so you know the one you’re purchasing is the right one for your trip.

What optional extras are available through COTA’s travel insurance policies?

COTA offers just one optional extra, which is for snow sports. This add-on cover is only available with comprehensive or annual travel insurance policies and can cover you if you’re skiing or doing some snowboarding, including on and off-piste and across the backcountry. For an extra cost, you can be covered for ski lift passes, the closure of your ski run and the hiring of replacement snow sports equipment.

What exclusions should I be aware of when buying travel insurance through COTA?

Some of the general exclusions on COTA’s travel insurance policy include:

  • Unapproved pre-existing medical conditions
  • Undergoing elective or cosmetic surgery
  • Taking part in a clinical trial
  • Travelling against your doctor’s advice
  • Losses of personal items if they are left unattended
  • Intentional injuries or attempted suicide
  • Accidents caused by alcohol or drug consumption
  • Partaking in a professional sport
  • Expenses already claimed through private health or Medicare
  • Costs involved with you breaking the law

Before choosing a travel insurance policy for your next vacation, read the Product Disclosure Statement (PDS). This offers a detailed sense of what's covered.

What we think of COTA’s travel insurance

What we like

Suitable COVID-19 coverage

COTA not only covers the cost of your medical expenses if you catch COVID-19, but they’ll also stump up for any extra travel or cancellation costs if you or a close family member back home test positive for the virus.

Credit card scam cover

COTA’s comprehensive policy offers you cover if your credit or debit cards are stolen and fraudulently used, which isn’t something many other providers roll into their policies.

Cover for your four-legged friends

If your return home is delayed, COTA allows you to claim up to $500 in additional costs for the boarding or care of your dog or cat.

What we don't like

Lack of extras

Unlike some of its competitors, COTA only offers a single optional extra to travellers, with snow sports the only add-on available.

Limited rental car coverage

COTA only allows you to claim up to $5,000 for the excess on a rental car, compared to other providers who offer up to $8,000.

Age limits

Some of the policies come with age restrictions, limiting coverage for seniors over 69 if they wish to take out an Essentials plan instead of Comprehensive.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about COTA’s travel insurance

How do I make a claim on my COTA travel insurance policy?

COTA’s PDS says making a claim is relatively straightforward as long as you submit your claim form as soon as possible. Part of this will include lodging a claim form with ample detail and providing documents, reports and photographs to back up your claim. Once your claim is submitted, most insurers will tell you it can take up to ten working days for it to be processed and money reimbursed into your nominated bank account.

How much will my COTA travel insurance cost?

Travel insurance doesn’t have a one-size-fits-all cost. Instead, the price of your premium is determined by variables including:

  • Age
  • Destination (travelling to Pakistan to visit family can be costly because of the lack of universal health care)
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does COTA cover pregnancy as part of their travel insurance policies?

Yes – COTA covers travellers who are pregnant at the time they buy their policy or afterwards. You can claim for pregnancy-related illnesses up to their 26th week of gestation, so long as you're only expecting one child and have had no prior pregnancy complications. There is no cover for those who fall pregnant through medical help, such as those who use IVF.

What’s the difference between single-trip, annual and one-way travel insurance policies?

A single-trip policy only covers one trip, whereas an annual multi-trip coverage covers numerous trips over 12 months (typically up to between 45 and 90 days in length each). In contrast, one-way plans protect travellers without return tickets booked for up to a year after they leave Australia.

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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.

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