Over 65 Travel Insurance

Holiday with peace of mind by comparing travel insurance for over 65s with Savvy.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Looking to book a getaway in your older years? When you’re a traveller over the age of 65, it’s important to purchase the right travel insurance policy so you can be covered in all the areas which are important to you. You can start the travel insurance comparison process right here with Savvy today.

With trusted insurance providers from across Australia counted amongst our panel, we give senior travellers the best chance of finding a suitable policy for their needs. Consider your options with us today before diving into the quote process so you can access the cover you need for your next getaway.

What will travel insurance for over-65s in Australia cover?

It’s important to know what travel insurance is and what it does and doesn’t cover before purchasing your policy, particularly as a senior over 65. By taking out an insurance policy, you’ll be able to claim for a set of events which may occur whilst away on holiday. What your travel insurance policy covers will ultimately come down to the type of policy you take out, but the following areas of cover are offered by comprehensive travel insurance policies:

Medical costs

If you’re on an overseas holiday, it’s crucial to be able to access cover should you be required to seek out treatment for an ailment or injury, as this can otherwise set you back a significant amount of money. This is the key benefit of international travel insurance and the primary reason why cover is sought in many cases. Some of the things you can claim for under your travel insurance include:

  • Emergency medical treatment
  • General medical assistance
  • Transport to receive treatment (such as in an ambulance or helicopter)
  • Emergency medical evacuation and repatriation in Australia

Pre-existing medical conditions

Getting cover for pre-existing medical conditions is a relevant concern for many seniors over 65 looking for travel insurance. There’s a range of conditions which are often automatically covered under your policy, which can include:

  • Certain types of diabetes
  • Coeliac disease
  • Epilepsy
  • Macular degeneration
  • Sleep apnoea

However, there are others which will likely require you to pay extra to cover if you receive any medical treatment for them, which can include:

  • Cancer
  • Deep vein thrombosis
  • Dementia
  • Heart disease

It’s important to know about conditions which won’t be covered at all under any travel insurance policy. If your illness is terminal, for instance, your insurance won’t cover any treatment for it.

Cancellation costs

Should something come up in the lead-up to your planned holiday which forces you to cancel part or all of it, you can claim to be reimbursed up to a certain limit (although this can often be unlimited) for any fees which may be charged as a result. This can be anything from flights to accommodation to other non-refundable bookings. Some of these may include:

  • Falling ill or suffering a serious injury and becoming unable to travel
  • A natural disaster occurs and disrupts your travel plans
  • Family emergencies such as a close relative falling ill or having your home broken into
  • If you’re still working, losing your job or having your annual leave cancelled

Loss of, or damage to, personal items

If your belongings are lost, damaged or stolen whilst you’re away from home, you can usually claim for the cost of replacing or repairing them up to a set limit (typically around $5,000 to $15,000 depending on the policy). This can cover:

  • Luggage
  • Electronics such as a laptop or phone
  • Valuables like jewellery
  • Personal equipment, such as for skiing (with relevant cover required)
  • Cash

However, it’s important to note some of the key exclusions for this type of cover. If your item was left unattended or you were intoxicated at the time it was lost, damaged or stolen, your claim will be voided, as is the case if you were breaking local laws or otherwise participating in a non-covered activity.

Rental vehicle excess

If your hire car is damaged in your possession, you can be covered for the cost of its excess up to a set limit generally ranging from $1,500 to $6,000. This will either form part of the main coverage offered or be added as an optional extra.

Personal liability

If you’re found liable for injury to another person or damage to their property whilst overseas (and haven’t broken any laws while doing so), you can access cover up to as much as $5 million through your travel insurance.

What types of travel insurance can I choose from if I’m over 65?

There are several different types of travel insurance to consider when finding the best one for your needs as a traveller. It’s important to know the differences between these, as that will help you find the most suitable policy offer. The main types of insurance to consider are:

  • Comprehensive travel insurance: the policy type which offers the most in the way of coverage, you can be covered for all of the above when taking out comprehensive travel insurance.
  • Basic travel insurance: in contrast, taking out a basic policy will likely only cover you for medical, personal liability and potentially some personal effects cover (up to a lower limit than comprehensive). This insurance is cheaper, but not always better if you want peace of mind.
  • International travel insurance: looking for cover for your trip to Dubai? International travel insurance offers a wide range of protection for travellers, but most notably when it comes to medical costs.
  • Domestic travel insurance: if your holiday is a bit closer to home, domestic insurance offers all the cover of an international policy aside from medical (as Medicare and private health insurance should cover this).
  • Single-trip travel insurance: covers one round trip started and completed in Australia.
  • Annual travel insurance: may not be an option for all senior travellers, as some insurers will set lower age limits for annual insurance and restrict total travel to within three months, rather than 12, for those over 65.
  • One-way travel insurance: for those heading overseas with no end in sight, you might instead lock in a one-way policy to cover you for up to three months away from home (with the potential to extend this).

Which travel insurance features should I compare if I’m over 65?

Some of the key areas to compare when taking out travel insurance as a senior over 65 in Australia are:

  • Age limits: can my policy accommodate my age? Many insurers will cap their cover (or parts of it) at 65, so it’s crucial to find an insurer who can offer you the cover you need.
  • Inclusions and exclusions: consider what each policy offers in the way of coverage and what isn’t included in your travel insurance. This is especially important if you have a pre-existing condition.
  • Cost of premium: you should avoid paying more than you need to on your travel insurance. Even though cheap seniors’ insurance doesn’t always mean it’s the best, it’s still important to compare and price-match between insurers.
  • Excess requirements: in most cases, minimum excesses will be greater for senior travellers (potentially up to as much as $2,000 for those over the age of 80), so you should compare requirements.
  • Countries covered: of course, it’s crucial to ensure your chosen destination is included for coverage by your insurer, as there’s little point going ahead with a quote if it isn’t.

Types of travel insurance

Why compare travel insurance with Savvy?

Common queries about travel insurance for over-65s

Can I include my grandchildren under my travel insurance policy if I’m over 65?

Yes – most insurers will enable you to add dependents up to the age of 20 who aren’t working full-time (such as grandchildren) onto your policy free of charge. Some policies will extend this to travellers up to the age of 25 in some cases, so it’s important to compare which cover suits you and your grandchildren.

How do I make a claim under my travel insurance?

Making a claim under your travel insurance policy can be done online and is a simple process. You’ll be required to fill out a form providing as much detail as possible as to what happened and how the event took place. In addition to this, you’ll have to supply any necessary supporting documentation, such as police reports, medical certificates or receipts, as well as your bank details through which to receive the claim. From there, your insurer will process the claim and let you know within ten business days whether it’s been accepted.

Will I be able to take out skiing cover if I’m over 65?

There may be some travel insurance companies who can offer cover for a trip to the Himalayas to hit the slopes if you’re over 65. However, insurance for snow sports and other adventure activities often comes with a lower age cap of 65 to 70, as this is seen as an inherently riskier activity which is more likely to cause injury and a claim. Make sure to look for companies which can offer insurance to those in your age group.

Will my travel insurance cover COVID-19?

Many travel insurance companies offer cover for COVID-19 these days, with both medical cover for any treatment as a result of contracting the virus or cancellations due to a positive test result or becoming a close contact. However, this won’t always be the case, so compare policies to find one which offers adequate COVID-19 cover.

Can I take out cruise cover if I’m a senior over 65?

Yes – there are plenty of insurers who offer senior citizens overseas cover, as well as domestic, for cruises. This is amongst the most popular holiday types for seniors over 65, so it’s widely accessible to older travellers. Some cruises will even require you to take out insurance before boarding the ship.

Will I still be able to take out travel insurance if my pre-existing condition isn’t covered?

Yes – while any claims arising from your pre-existing condition, such as medical expenses, won’t be accepted, you can still take out insurance for all its other benefits. This includes medical treatment for unrelated illnesses or injuries. It’s important to look around and compare as much as possible to try to find adequate cover for your medical condition, though.

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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.