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Looking for travel insurance for Seniors?
Whether you're planning a domestic trip or venturing overseas, Travel Insurance Saver offers a range of travel insurance products designed to meet the unique needs of senior travellers.
Types of Travel Insurance for Seniors:
- Medical Only: This type of policy focuses on providing coverage for medical expenses incurred while travelling, including medical evacuation and repatriation.
- Comprehensive: This type of policy offers broader coverage, including medical expenses, trip cancellation, lost luggage, and more.
- Domestic Travel Insurance: This type of policy covers trips within Australia, but not cruises in Australian waters.
- Annual Multi-Trip: This type of policy covers multiple trips within a year, making it ideal for frequent travellers.
Key Benefits for Senior Travellers:
- Medical Expenses: Coverage for necessary and reasonable medical costs incurred while travelling, including hospitalisation, doctor's visits, and emergency medical evacuation.
- Trip Cancellation: Reimbursement for non-refundable travel expenses if you need to cancel your trip due to unforeseen circumstances.
- Lost Luggage: Coverage for lost, stolen, or damaged luggage and personal belongings.
- Travel Delay: Compensation for additional expenses incurred due to significant delays in public transport.
Cruises and Overseas Travel:
- Seniors Cruise: Travel Insurance Saver offers specific coverage for cruises, including missed port benefits and cabin confinement coverage.
- Seniors Multi-Trip Overseas: If you're planning multiple overseas trips within a year, an Annual Multi-Trip policy may be a suitable option.
Choosing the Right Policy:
When selecting a travel insurance policy, you may wish to consider factors such as your destination, trip duration, planned activities, and any pre-existing medical conditions. You may compare different policies online or contact our team to discuss your specific needs.
Get a quote online today and compare travel insurance for seniors from Travel Insurance Saver.
FAQ for Seniors Travel Insurance:
Q: Is there an age limit for travel insurance?
A: The maximum age for travel insurance with Travel Insurance Saver is 90 years old.
Q: Are pre-existing medical conditions covered?
A: Some pre-existing medical conditions may be automatically covered. You may contact us to discuss your specific condition.
Q: Can I extend my policy while I'm already overseas?
A: Yes, you may be able to extend your policy while overseas, subject to certain conditions.
Q: How do I make a claim?
A: You can make a claim online or by contacting our claims team.
FAQs - Travel Insurance for Seniors
Do you cover COVID-19?
Yes, we offer optional COVID-19 coverage for trip cancellation and lost deposits. This covers scenarios like a positive diagnosis, being denied boarding due to COVID-19, or a government-issued Level 4 travel warning. Please refer to Section 13 of the PDS for detailed terms and exclusions.
Is Seniors travel insurance a separate policy?
No, we offer a single travel insurance policy with coverage options for all ages, including seniors. However, some benefits and limits may differ for travellers aged 81 and over.
What age limits apply to travel insurance cover?
Our travel insurance is available for individuals up to the age of 90. For single-trip policies, children or grandchildren under 18 who are not in full-time employment and travelling with you for the entire trip are also covered.
Can I buy travel insurance if I'm over 80?
Yes, you can purchase travel insurance up to the age of 90.
Can I get travel insurance for cruising as a senior?
Yes, our travel insurance includes coverage for cruises, regardless of age. This includes emergency medical expenses, cabin confinement, and missed port benefits.
Do I need travel insurance for a domestic cruise?
While not mandatory, travel insurance is recommended for domestic cruises as it can provide coverage for unexpected medical emergencies, trip cancellations, and other unforeseen events.
What is a pre-existing medical condition?
A pre-existing medical condition is any medical or dental condition that you were aware of before purchasing the policy. This includes conditions for which you have received treatment, medication, or a diagnosis within a specified timeframe.
Which pre-existing medical conditions are not covered?
Some pre-existing conditions are automatically excluded from coverage, such as those requiring surgery, involving specific body systems (heart, brain, lungs), or certain chronic illnesses. Please refer to the PDS for a complete list.
If I can't get cover for my pre-existing medical condition, can I still buy a policy?
Yes, you can still purchase a policy, but you will not be covered for claims related to the excluded pre-existing condition.
Does travel insurance cover stroke, cancer, or pulmonary embolism?
Coverage for these conditions depends on whether they are considered pre-existing and whether you have declared them and obtained additional coverage if available. Please refer to the PDS for details.
Am I covered for stopovers?
Yes, stopovers of up to 48 hours are generally covered, depending on your chosen travel area.
Do you cover senior relatives?
Coverage for senior relatives travelling with you depends on the policy type and their age. Please refer to the PDS for details.
What is the best travel insurance for seniors?
The best travel insurance for seniors depends on individual needs and circumstances. We recommend carefully reviewing the PDS and comparing different options to find the policy that best suits your requirements.
How can seniors get cheap travel insurance?
While we strive to offer competitive premiums, the cost of travel insurance for seniors is influenced by factors like age, destination, and coverage level. It's important to compare travel insurance policies and consider your specific needs rather than solely focusing on price.
Do I need travel insurance for domestic trips?
While not mandatory, travel insurance for domestic trips can provide valuable coverage for medical emergencies, trip cancellations, and other unforeseen events. We offer a specific Domestic Travel plan for trips within Australia.
Additional Information:
- Always read the Product Disclosure Statement (PDS) carefully before purchasing a policy.
- The information provided here is a general overview and does not take into account your personal circumstances.
- Contact us with any questions or to discuss your specific travel insurance needs.
This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions as set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy
Contact Travel Insurance Saver
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