Seniors Travel Insurance

All you need to know for comparing the best seniors travel insurance.

Last updated on May 4th, 2022 at 03:19 pm by Bill Tsouvalas

Seniors Travel Insurance

If you’re a senior who is planning to travel soon, then you’ll probably know from experience how valuable a good travel insurance policy can be.

Sometimes, though, it can be difficult to parse the details of different policies from one another and to decide on exactly which policy will be right for you.

Find the answers to any questions you might have about seniors travel insurance here, as well as how to compare policies in order to find the quote that best suits your requirements.

How does seniors travel insurance work and what does it cover?

Seniors travel insurance is a type of travel insurance designed to more closely cater to the needs of older travelers. It can cover a wide range of circumstances, but ultimately what you are covered for will come down to the specific policy that you decide to purchase.

Basic policies typically offer cover for health issues and emergency medical expenses only. In some cases, you may also be covered for personal liability if you cause an accident and if you pass away whilst overseas. More comprehensive policies can include cover for lost or stolen luggage and cancelled flights, accommodation and other bookings, damage to rental vehicles, stolen belongings such as jewellery or cameras, or even expenses relating to death.

While pre-existing medical conditions are not covered by these policies as a default, should you wish to pay the added premium, certain insurers will allow you to purchase cover for you existing conditions as an add-on.

Both domestic and international travel can be covered with a seniors travel insurance policy. While domestic cover will insure you for lost luggage, cancellations and other basic areas, international will also include cover for medical expenses and repatriation as Australians travelling overseas might not be entitled to health care in the same way as in Australia’s public system.

Basic policies

Your health

Expenses related to emergency health care and medical emergencies.


Costs incurred by your next of kin in the event of death.

Personal liability

Covered if you cause damage or injury whilst overseas

Comprehensive policies

Rental vehicles

Excess payable for damage to rental vehicles.


Loss or theft of valuable personal effects such as jewelry.


Cancelled flights, accommodation, tours and other bookings.


Lost or stolen luggage up to a certain value.

What is the cheapest travel insurance for seniors?

The cheapest travel insurance for seniors is typically in the form of policies which offer only a basic level of cover for fundamentals such as health care and personal liability. Otherwise, if your credit card provider offers complimentary travel insurance that is also applicable to seniors, this might be your most affordable option.

While these basic policies will often save you money on your premium, for seniors whose priority is peace of mind while travelling and the comfort of knowing that you will be looked after in the case of an emergency, it might be worth paying the little bit extra to upgrade your level of cover. Adding cover for things like pre-existing medical conditions and coverage for cancellation and lost luggage costs will not increase your premium by a huge amount, considering the value it provides in terms of your reassurance.

When thinking about what will be the cheapest travel insurance for you, it is helpful to look at your policy not just in terms of dollar amount, but also the potential savings and convenience your policy can provide in the worst-case scenario. Framing your policy this way will likely make you realize that the cheapest policy at face-value might not actually provide you with the most value, whereas a more expensive, thorough policy will give you the most potential value for your money.

If saving money on your policy is a priority for you, though, there are several methods you could look to make use of. These include:

  • Bundling your travel insurance policy with other insurance products that you already have from the same provider
  • Opting for a more basic level of cover if it covers you in the areas you need
  • Taking out a group policy if you’re travelling with others
  • Taking out a multi-trip policy if you’re a frequent flyer
  • Pay more for your excess where you can

What is the best seniors travel insurance for my age bracket?

Different insurers will view different demographics differently, so depending on your age group, you might find that different policies will be best suited to you. The table below provides a brief overview to get you started and point you in the right direction.

What travel insurance can cover you for What travel insurance won’t cover you for
Over 60’s
  • Will still cover you for participation in certain activities like winter sports.
  • Provide cover for damage to rental vehicles.
  • Can include grandchildren in your policy.
  • Trips of very long duration on an annual policy (e.g. 50 days).
  • Pre-existing medical conditions.
Over 70’s
  • Offer you cover for cancelled tours and other group activities.
  • Unlimited cover for medical emergencies.
  • Have sufficient cover for health care, emergency medical treatment, doctors’ visits and dental attention.
  • Participation in sporting activities.
  • Trips of very long duration on an annual policy (e.g. 50 days).
  • Pre-existing medical conditions.
Over 80’s
  • Insure you or your companions up to the age of 100.
  • Have sufficient cover for health care, emergency medical treatment, doctors’ visits and dental attention.
  • Offer the option to pay a flexible excess in the event of a claim.
  • Annual policies.
  • Activities such as skiing and surfing.
  • Pre-existing medical conditions.

How to prepare for your trip with seniors travel insurance

Making sure you understand the process of finding the right policy for you can be fundamental in making sure that your travel plans run smoothly.

  • When planning your holiday, consider making sure that you book a holiday that you know can be insured for. This might mean that you skip on the rock-climbing excursion and book a nice dinner instead!
  • Think about visiting your general practitioner and letting them know that you’re planning a trip. This way your doctor can let you know about any precautions you might need to take or medical conditions that you need to disclose to your potential insurer
  • Take out a policy that provides you with an adequate amount of cover to travel without concern, and that will ensure that the negative impact of unexpected events can be minimised.
  • Before you depart for your trip, familiarise yourself with how to contact your insurer, as well as the process of making claims in case the need arises. Being comfortable with these details ahead of time can save you a head-ache when you least need it.

Pros and cons of senior travel insurance


Peace of mind

Allows you travel into your old age with peace of mind and security.


Can be flexible in terms of providing cover for certain health conditions.

High age cap

Applicable for individuals as old as 100.

Cover that suits you

Different levels of cover suit the needs of all travelers.

Family and group cover

Policies can include your grandchildren or other travel companions.


Higher premiums

You might pay a higher premium as your age could mean you are deemed ‘riskier’ to insure.

Narrow scope of cover

Certain activities can’t be covered for older people, such as skiing and surfing.

No pre-existing medical conditions

Pre-existing medical conditions are not included in your cover by default, so you’ll have to buy it as an optional extra.

Top tips for comparing Seniors Travel Insurance

Use Savvy’s online comparison tool

Savvy’s online comparison tools make comparing easy. With our easy-to-use programs, you can compare the top travel insurance options for seniors on the market now in all the areas that are most important to you.

Level of cover

For senior citizens who might have a lower risk tolerance than younger travelers, the level of cover provided by potential policies will be a significant factor in your decision making. By opting for a higher level of cover in exchange for paying slightly higher premiums, you might find that you feel a lot more secure with your travel plans.


As well as your level of cover, one of the more important things that will impact your decision is the policy premium, or the price. If keeping your costs down to a minimum in exchange for a more basic level of cover is a priority for you, then this will be important for you.

Maximum claim payout

Weigh up what kind of dollar amount you feel is necessary for you as a maximum claim payout. This is important because if you opt for a policy which offers an excessive amount of cover you might be paying too much in terms of premium for a policy which actually over-caters to the level of cover you need. On the other hand, you must also be mindful of making sure the maximum payout will be sufficient to cover your claims.

Pre-existing medical conditions and other add-ons

How flexible can this policy be with add-ons and extra inclusions? It is not uncommon for senior people to have certain medical conditions, which even when non-severe, might not be covered under a regular policy. Checking whether an insurer can cater to these needs might be a game-changer for you.

Common seniors travel insurance queries

Which travel insurance is best for seniors?

The best type of travel insurance for senior people is a policy that provides cover for a range of incidents and provides sufficient cover for each of these so as not to leave you out of pocket, even once you have lodged your claim. As with travel insurance in general, seniors insurance policies will not cover pre-existing medical conditions, so it will be in your best interest to look for an insurer that will allow you to pay a bit extra to add cover for any health conditions you might have to your policy.

How should I get cheap seniors travel insurance quotes?

After you have compared policies from different insurers, you might wish to lock in your policy right away, or you might choose instead to shop around. One of the easiest ways to find your initial quotes during this process is to use Savvy to compare your options online using our handy comparison tools. These allow you to compare not only the price of seniors travel insurance premiums, but also the type of coverage you’ll receive for each one.

Is seniors travel insurance worth having?

Seniors travel insurance is absolutely worth having at the core of any travel plans as you enter your senior years. The peace of mind gained from having a good travel insurance policy, not only for yourself but for your family as well, can be the difference between a holiday spent worrying and being only half-present and a trip spent truly making the most of your time travelling and enjoying your retirement. Considering the relatively low cost of travel insurance compared to other components of your travel plans such as flights, a good policy will definitely prove itself to be worthwhile.

Can I get a senior travel insurance policy that offers me cruise cover?

Yes – although this is usually an optional extra on regular travel insurance policies, seniors might be able to find some insurers which offer cruise cover as part of their main coverage. Cruises are a popular travel option among older people and retirees, and these policies will allow you enjoy your cruise with complete peace of mind. Some areas of cover that you can generally expect to receive as a part of your seniors cruise cover includes cover for cancelled ‘onshore excursions’ which you have pre-booked, accidents which lead to you missing your ship’s departure, sickness which keeps you stuck in your cabin and more.

If I’m travelling with companions, can I take out seniors travel insurance for a group?

If you plan on travelling in a group, then consider taking out group travel insurance in order to potentially save costs, make your policy easier to manage, and make things easier in the event that you need to make a claim. If you’re planning to take out a group policy, then some individuals who have specific needs might not be covered under your policy. For example, if you are travelling with a healthy group, but one member of your group has medical conditions which they need to be covered for, then this individual will likely need to make separate arrangements.

What value of cover will my seniors travel insurance policy give me?

The dollar value of the cover you can receive with your policy will depend entirely on the conditions stipulated in your policy at the time of purchase. Generally, policies include caps for the dollar amount claimable for each individual item of cover. For example, a policy might state that you can claim up to $5,000 for lost luggage, $50,000 for health care and $10,000 for cancelled flights and accommodation.