Domestic Travel Insurance for Seniors

Compare domestic travel insurance policies tailored to seniors with Savvy today.

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, updated on September 4th, 2023       

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Having the right travel insurance is important if you’re a senior traveller who spends their golden years exploring Australia. If you’re over 60 or 65 and want to take a domestic holiday, Savvy can help you compare travel insurance policies.

You can consider offers from our trusted insurance partners side-by-side by completing a simple online quote with us. Get the comparison process started for cover on your next domestic trip with Savvy today.

What does domestic travel insurance for seniors cover?

While it may sometimes be tougher to get insurance if you’re a senior, many providers allow you to take out travel insurance for domestic holidays if you’re over 60 years old. This insurance can cover you for a range of incidents, subject to your insurer's terms and conditions and qualification criteria relating to the nature of the unexpected circumstances and other factors (such as your age). It’s also important to remember that you'll generally only be covered if you're a certain distance from home, such as 200km to 250km.

Some of the activities which can be covered by travel insurance (provided they qualify for coverage under your insurer's terms and conditions) include:

  • River or ocean cruises
  • Bus or rail tours
  • Sightseeing holidays around Australia
  • Resorts
  • Volunteering
  • Hiking, golf or ski trips
  • Work trips

Travel insurance can also cover you for a range of unexpected costs when you’re away from home. Medical expenses won’t be covered, as Medicare and private health insurance will cover illness and injury across Australia, but some of the costs which you may be covered for under your seniors-tailored policy include:

  • Cancellation fees for non-refundable bookings such as flights, cruises, accommodation and other experiences (though these are subject to your insurer's terms and conditions relating to the nature of both the claimable incident and the costs incurred)
  • The excess on a hire car if it's damaged in your care
  • The loss or theft of your belongings, such as luggage and other valuables (including cash)
  • Personal liability if you're found to be at fault for an injury to someone else or damage to their property
  • Cancellation fees relevant to your travel agent
  • Additional travel and accommodation if part or all of your trip is delayed (provided it's deemed reasonable by your insurer)

Some insurers also offer added extras to provide you with further coverage for things such as snowsports and other adventure activities, though whether you can access this as a senior will depend on your provider’s age limits and other qualification criteria. For example, some insurers may prevent those aged 70 or over from taking out snow sports coverage, though this isn't necessarily the case with other providers.

Some insurance companies have age limits on their policies which can restrict insurance coverage if you’re over a certain age. There are some insurers in the market who may be able to offer domestic cover for travellers up to the age of 100, though other factors will be considered when assessing your application as a senior.

Additionally, there are some providers who may charge a higher excess if you’re over a certain age. For example, certain insurance companies may make those over 80 years old pay excesses of up to $2,000 if they need to make a claim.

What are my domestic travel insurance options as a senior?

Domestic travel insurance for seniors comes in many shapes and sizes, depending on your budget and the coverage you need. Some of the options you have if you’re a mature-aged traveller include:


If you’re receiving a government pension or travelling on a tight budget, some insurers may offer basic domestic travel insurance policies. These may only cover you for the bare necessities such as select cancellation costs, the return of your remains if you pass away whilst away from home and personal liability if you’re found to be responsible for injury or damage to someone else’s property. However, this will depend on the insurer you purchase with and the terms of your agreement.


Taking out a higher level of domestic coverage will generally provide you with all the benefits of basic cover, as well as additional protections for unexpected circumstances such as those listed above. Choosing comprehensive insurance may be a requirement for seniors with some insurers.


Single-trip travel insurance allows you to get coverage for a single trip you take around Australia. It's important to check with your insurer regarding how long the maximum trip duration is as listed under your policy's terms and conditions.


Annual insurance policies allow you to be covered for multiple domestic holidays in a given year. However, stricter age limits may apply to this type of insurance, with some providers requiring you to be no older than 64 at the time you travel.


Suppose you plan a picturesque domestic cruise along the Great Barrier Reef or the East Coast. In that case, many insurers offer cover for claimable incidents which may happen on board, such as medical emergencies, evacuation or cancellations which your insurer deems able to be covered. Because some cruise liners, especially foreign-owned ones, may not have a Medicare-accessible doctor aboard, you could be left out of pocket if you require medical treatment while at sea and you don’t have insurance.

How do I compare travel insurance policies as a senior?

Travel insurance policies that cater to mature-aged travellers are composed of a range of factors. Comparing with Savvy will help you find out more about these variables and determine which policies offer protections best suited to your needs, which typically include:

Premium price

It’s no secret that the older you are, the more it costs to insure yourself for that next holiday because of the increasing risk of injury or illness. If you’re over 70, insurers tend to charge you more to take out a policy than they would for someone closer to 60 (subject to other qualification requirements), so it’s a good idea to shop around to see which has the best price for your age bracket.

Pre-existing conditions

Some insurers have a list of pre-existing conditions which can be automatically included as part of their coverage. Whether you receive coverage for these will depend on your profile and the nature of the unforeseen circumstances you're claiming for, however. Provided you qualify for coverage in these areas, some of the pre-existing conditions which can automatically be covered may include:

  • Asthma
  • Epilepsy
  • Reflux
  • Graves’ disease
  • Macular degeneration
  • Osteoporosis
  • Sleep apnoea

However, there are conditions which are commonly excluded from coverage by insurers, some of which include:

  • Cancer
  • Heart conditions
  • High blood pressure
  • Mental health conditions
  • Diabetes
  • Any terminal illnesses

Age limits

Age limits vary from insurer to insurer, so it's important to compare your options to see whether there are any insurers which can accommodate your age bracket.


You’ll likely pay a more considerable excess the older you are, but it’s still a good idea to compare your options between providers. You may find some insurers which enable you to select a lower excess in certain circumstances, though this will have the likely side effect of increasing the cost of your premiums further.


Compare each policy’s inclusions and exclusions side-by-side to ensure you know what can and can't be covered by different insurers. It’s also worth double-checking that your policy doesn’t include add-ons you won’t need on your domestic trip, such as ski cover, which can cost you more.

Types of travel insurance

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Got a seniors travel insurance question? We have the answers

Can I include my grandchildren in my policy?

There are travel insurance companies which may allow you to add dependents to your policy free of charge if you’re planning a holiday with the grandkids. However, these dependents will have to meet your insurer's requirements, such as needing to be under the age of 20 and not in full-time employment (though these criteria may differ depending on who you're buying your insurance with).

How can I purchase travel insurance with Savvy?

Buying travel insurance through Savvy is a fast and easy process. First, you can fill out our simple online quote form, which will give us the information we need to generate the most relevant, real-time quotes for your profile. This will include

  • Countries you are travelling to
  • Dates you’re departing and returning
  • Ages of all travellers under the policy
  • Whether you're buying for yourself, as a duo or a family policy
  • Whether you're purchasing a single-trip or annual-trip policy
  • Whether you need cruise or ski coverage


Once that information is provided, you'll be able to compare the available offer from our travel insurance partners. If you decide to buy one from this list, you can do so online via their site.

Do I need travel insurance if I’m going on a domestic cruise?

If you opt to go on a domestic cruise instead of travelling to Thailand, some liners won’t let you board without travel insurance. However, there are some which may let you set sail without coverage. Insurance will cover you for any at-sea claimable events, such as medical coverage and emergencies (including the need to be airlifted from the boat in an emergency).

Do most policies cover me for COVID-19-related costs?

There are insurers who can offer coverage for COVID-19-related expenses on domestic policies, particularly in relation to cancellation costs stemming from a positive diagnosis or becoming a close contact. However, not all COVID-19-related circumstances will qualify for coverage, such as events occurring within 72 hours of you purchasing your policy or border closures which lead to you cancelling part or all of your trip. It's important to check with your insurer to find out what is and isn't included before you buy. 

How do I make a claim on my travel insurance?

Making a claim involves contacting your insurer and providing the information required to explain the unexpected circumstances you're claiming for. Once you've double-checked with your insurer and PDS that the event you're claiming for can be covered, you can fill out your insurer's claims form, which will typically require you to explain the situation and provide documents to support your claim. These may differ depending on who you apply to, but can include the following:

  • Police reports
  • Medical certificates and any other relevant reports
  • Invoices and receipts
  • Your travel itinerary
  • Proof you own the items you lost
  • Written statements
  • Photographs of the event if applicable

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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.