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    Medical Condition

    An pre-existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • taking medication, chronic, displaying symptoms, under investigation, pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; metastatic or terminal
    To include a medical condition you will need to complete a medical screening? 
    1. Entering your trip details (Age, Destination and Travel Dates) to get a quote.
    2. Compare quotes and view PDS and then click on the "Continue" button. 
    3. You can add 'Snow Sports' or 'Mountaineering" if required on this page or you can just click 'Select' if these activities aren't required. 
    4. On the following page you can complete a medical screening to determine if you can receive cover for your pre-existing medical conditions.

    Snow Sports

    Snow Sports is available as an optional extra on all international policies.

    To add on Snow Sports Cover or Off-Piste Snow Sports cover please get a travel insurance quote, compare quotes and PDS and then click on 'Continue Button'.

    On the following page you can;

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Activities

    Travel Insurance Saver cover over 120 activities. Find out more information regarding activities that may be covered while you are travelling overseas. Further information regarding activities such as hiking, golfing, canoeing, hot air ballooning please click through to the Activities Page - Travel Insurance. Terms and conditions apply, please refer to the Product Disclosure Statement before deciding.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or you forgot to buy travel insurance and need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia.

    You must include all overseas destinations that you will be travelling to and your current overseas location. 

    There is a 48 hour waiting period, before benefits apply for all policies purchased when you are already overseas. Click here to find out more

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 31, 45, 62 & 91 days in duration based on the plan you select. This duration is between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 100km from your home in Australia, and 
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Children & Under 18's

    Cover is extended to include your children or grandchildren not in full-time employment who are under the age of 18 and are travelling with you for the entire duration of your journey. It is a condition of cover that any accompanying children are noted on your Certificate of Insurance.

    Child/Children must be the children or grandchildren of an adult traveller that is on the same policy.

    If there is a child under 18 that is not a child or grandchild of an adult traveller (over 18) on the policy please get a separate quote to apply travel insurance correctly.

    Coronavirus - Medical

    Medical cover is included on all international policies for Corona Virus. If you need to be treated for coronavirus while travelling with will be included under Overseas Medical Expenses & Assistance.

    Cruise

    Cruising is covered as standard on all international policies. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination.

    If you are cruising within Australia please select ‘Australia – Cruises’, selecting just ‘Australia’ does not cover cruising. 

    Find out more about Cruise Travel Insurance.

    Motorcycle

    As a driver, you must have a valid Australian motorcycle licence. You must be wearing a helmet. There are no cc limits that apply.


    If you are a passenger of the drive must have a motorcycle licence that is valid for the country you are travelling in. 

    Click on the link to find out more about Motorcycle Travel Insurance. 

    One Way

    Policies are available for one-way travel insurance overseas;

    • Where there is no intention to return to Australia 
    • You don't hold a return ticket 
    • If you are already overseas and want to return back to Australia - There is a 48 hour waiting period, before benefits apply for all policies purchased overseas. You must be returning back to Australia. 

    Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.

    Find out more about one way travel insurance. 

    Regions and Stopovers

    Please include all destinations that you will be travelling to. The region will be based on the destination you have entered. You can extend and update your policy if your plans change by logging in before your policy expires to amend your policy.

    We have 5 regions 

    • Worldwide 
    • Worldwide Excluding USA, Canada and Antarctica. 
    • Asia
    • South Pacific
    • Australia
    We cover all destination in that specific region, excluding any 'Do Not Travel' or 'Sanctioned' countries. 
     
    Stopovers
    We cover up to 48 hours for stopovers on the way or way back from your destination. 

    Schools & Groups

    If you’re in need of travel insurance for a group, then Travel Insurance Saver may be able to provide group travel insurance or school group travel insurance.

    Please click on School Group Travel Insurance to apply for an instant quote.

    Or Please click on Group Travel Insurance for more information.

    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.
    Seniors travel insurance

    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.

    Seniors travel insurance

     

    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.
    Travel insurance for Seniors

    FAQs - Travel Insurance for Seniors


    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.

     Seniors travel insurance cover 

    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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    Disclaimer

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

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