Over 70 Travel Insurance

If you're looking to take flight, hit the road or set sail and are over 70, you can compare travel insurance with Savvy.

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, updated on September 4th, 2023       

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Whether you're planning a sprawling overseas trip to celebrate your retirement or a cruise up the coast, travel insurance can be a great way to provide yourself with protection against a range of covered unexpected events for those over 70. However, it's important to take the time to compare your options before you buy.

Compare a variety of competitive offers for those over 70 from our trusted travel insurance partners here with Savvy. Consider offers based on their cost, inclusions, claim limits and more with us (and even buy your policy online if you find one which suits your needs). Don't let age stand in your way; compare with us today.

Can I get travel insurance if I’m over 70 and what will it cover?

There are insurers on the market who can offer specialist travel insurance for seniors over the age of 70. However, some insurance companies impose age limits on coverage, which may mean you aren't able to take out a policy or could otherwise have your benefits restricted. Age limits won't be the only factor, though, as your coverage will be dependent on meeting other terms and conditions or qualification criteria set out by your insurer. Insurers also tend to charge higher premiums for those over 70 compared to younger travellers due to the increased risk of illness and injury leading to a claim.

If you’re a mature-aged traveller, there may be insurers who can offer you different types of travel insurance coverage. These include ocean cruises, road trips, bus and rail tours and hiking explorations. However, stricter age limits typically apply to annual travel insurance, with some insurers capping the maximum eligible age at 65 (though others may cover older travellers if they meet their terms and conditions).

In terms of what can be covered, you may be offered certain protections in the following areas (all of which are subject to the eligibility requirements of your insurer):

  • Overseas medical treatment: If you require emergency surgery or treatment due to an injury or illness, the cost can be covered by your insurance provider.
  • Deposits or cancellation fees: sometimes, even the most well-planned holidays can hit a snag. If you fall ill or are injured, have your personal belongings stolen or a natural disaster strikes and impacts your holiday, your insurer may be able to reimburse you for cancellation fees you may be charged.
  • Lost, stolen or damaged luggage: most comprehensive policies will include coverage for goods lost, damaged or stolen in a claimable event, such as luggage or mobile phone cover, up to an agreed limit.
  • Personal liability: if you’re at the centre of an incident on your travels where you're found liable for an injury to a third party or damage to their property, your insurance provider may cover the cost of compensation or certain legal fees. Some insurers can offer up to $5 million in cover, but this will depend on their terms and conditions, as well as the nature of the circumstances surrounding your claim.
  • Around-the-clock assistance: when you’re faced with a claimable emergency while overseas, some insurers have a 24/7 support line which may be able to help you navigate a potentially tricky situation, such as requiring medical treatment or needing an interpreter (except for reading legal documents).

You also have the choice of some optional extras. However, some of these may be age-dependent. They include:

  • Snow sports: some insurers won't offer protection for snow sports such as skiing or sledding to those 70 or over. However, there may be others in the market who might be able to help you if you meet their other criteria.
  • Adventure activities: if you're looking for protection for activities such as scuba diving up to 30m or water skiing, you may be able to purchase this extra as a senior. Age limits may apply to this also, with some insurers restricting this to those no older than 74.
  • Motorcycle riding: planning on hitting the town on two wheels? There may be some insurance companies who are able to offer you a specific motorbike-riding package if you meet their requirements (for instance, this may be capped at 74 years of age).
  • Rental vehicle excess: having your own wheels can be a real timesaver when exploring parts of the world. Cover for a rental vehicle excess may be able to be added as an optional extra with some insurers, but others may include this as part of their main policy.

What pre-existing conditions can my travel insurance cover if I’m over 70?

The latest Census data shows almost 80% of Australians suffer from a long-term health condition. If you're one of the millions with a pre-existing medical condition, it may be important to try to find a policy which can offer you coverage in the area you need.

Depending on your coverage, the provider you choose and whether you meet their qualification requirements (such as not being hospitalised for your condition for 24 months and have experienced no change in your medication for at least six), specific pre-existing medical conditions may be covered automatically under your policy. These may include:

  • Bell’s palsy
  • Bunions
  • Carpal tunnel syndrome
  • Cataracts
  • Epilepsy
  • Gastric reflux
  • Glaucoma
  • Incontinence
  • Macular degeneration
  • Migraines
  • Osteoporosis
  • Sleep apnoea

However, there are many other conditions which may either cost more to cover or be excluded altogether. For example, heart conditions, cancer and terminal illnesses are common exclusions. Additionally, most policies won't cover asthma and Type I diabetes for those over 60 years old.

If you’re a senior with a long-term medical condition, you must declare it with your insurance company. If something does happen overseas relating to your illness and you haven't disclosed it to your insurer, your claim will most likely be voided. It's important to compare policies with different insurers to help determine whether your condition can be covered.

What factors can impact the cost of my travel insurance?

While you’re almost certainly going to have one eye on the inclusions when comparing travel insurance policies, you’ll likely have the other on how much your travel insurance costs. Some of the factors you’ll need to weigh up include:


Because the risk of illness and injury increases as you grow older, the cost of travel insurance is also likely to go up. If an insurer deems you at a high risk of making a claim or requiring treatment while on your travels, you're likely to be required to pay more for your coverage.

Level of cover

There are two main options when you go to purchase travel insurance: basic or comprehensive. Comprehensive insurance costs more but can offer more benefits and higher claim limits, while basic insurance only provides you with coverage for the absolute basics, such as medical treatment, for a cheaper price. However, some insurers will require senior travellers above a certain age to purchase comprehensive insurance as a condition of coverage.

Pre-existing conditions

If you’ve had a medical issue treated within the last two to five years and you’re over 70, chances are you may have to pay extra for your policy in case you need medical treatment overseas (provided your condition qualifies for coverage with your insurer).

Optional extras

By adding optional extras to your policy, you'll be increasing the cost of your premium. The greater the number of extras you add, the more you'll pay for your policy.


You may be required to pay an excess when making a claim, depending on the terms of your agreement and the nature of the incident. The higher your excess, the less you're likely to pay for your policy. However, some insurers will raise excess requirements for senior travellers, such as setting it at $2,000 for those over 80.

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How do I compare travel insurance for over 70s?

Top tips for over 70s to find the right travel insurance

Don't pay for more than you need

Assess your travel and determine what type of insurance you need. While comprehensive coverage can give you many benefits, you may not necessarily need them if you’re travelling light without many non-refundable bookings and only really need coverage if you sustain an injury or fall sick. Consider your needs as a traveller when picking out your policy.

Do your homework with Savvy

Getting quotes from providers can help you compare their features and prices. By comparing with Savvy, you can consider competitive offers from our panel of leading travel insurers side-by-side to help you consider factors such as their cost, claim limits, inclusions and exclusions and more.

Look at the limits

Travel insurance policies come with restrictions on how much you can claim and how old you can be to take out a policy. For instance, if you're 75 and looking to travel to Turkey, it's important to look for an insurer who can offer you protection at your age. These vary from provider to provider, so it’s worth shopping around for coverage limits which are sufficient for you.

Weigh up the extras

Some insurers may offer a range of extras, such as coverage for motorcycle riding or adventure activities, in addition to their main policy coverage. If intend to take part in such an activity, it's important to compare your options in this area to help you avoid finding yourself without coverage if an accident does take place.

Frequently asked questions about travel insurance over 70

How do I make a claim on my travel insurance?

Making a claim is pretty easy regardless of whether you’re overseas on a long-stay holiday or have since returned home. Insurance companies generally allow you to make a claim via phone or online. First, read your Product Disclosure Statement and double-check that the incident you’re claiming for is a part of your insurance policy. To make a claim, you’ll need to:

  • Gather your documents: get your travel itinerary, medical or police reports and other information supporting paperwork together.
  • Bank details: share your bank details with your insurer so they know where to deposit your claim if approved.
  • Submit your details: fill in the claim form with plenty of detail and wait to hear back from your lender. Replying quickly will speed up the process.


Once you’ve submitted your claim, you should hear whether it has been approved within ten business days.

Can I get coverage for COVID-19 as a traveller over 70?

Some insurers may offer reimburse medical and cancellation costs relating to COVID-19 if you test positive or become a close contact (cancellation only). However, it's important to note that not all incidents will be covered, such as those relating to border closures, additional quarantine costs after becoming a close contact or situations occurring within 72 hours of purchasing your policy. As such, whether you're travelling to Brazil or Bendigo as a senior, it's important to compare policies to give you an idea of what you can and can't be covered for as part of your agreement.

What happens if I die while I’m overseas?

Some insurance providers offer cover for accidental death while on your travels; however, your coverage will depend on your profile as a traveller and the incident qualifying under your insurer's terms and conditions. This will also offer a financial benefit up to a certain limit, with some insurers allowing your family to claim up to $25,000 if the event is deemed claimable.

Can I cover my grandchildren under my travel insurance policy?

Some providers may allow you to include grandchildren under the age of 21 as part of your policy, provided they aren’t employed full-time. If you're unsure about whether you can include them as part of your policy, it's worth checking your PDS.

Can I cancel my travel insurance for free?

Yes – you can cancel your policy for free as long as it’s within the cooling-off period. Most insurance companies have a cooling-off period of between 14 and 25 days (provided you haven't made a claim in that time and your policy's start date hasn't already passed), but it’s best to check with your provider to see how long you can take to consider this.

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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.