Finder makes money from featured partners, but editorial opinions are our own.

Seniors travel insurance

Get travel insurance quotes for seniors from 11 brands – that’s more than any other site in Australia. Pop in your trip details to compare quotes.

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service.

Why compare seniors travel insurance with Finder?

  • We compare prices from more travel insurance brands than any other site in Australia

  • You pay the same price as buying directly from the travel insurer

  • We've got policies covering ages from 60 to 120 and beyond

  • We've got policies that can cover pre-existing conditions

  • We don't ask for your phone or email to see prices

Who offers travel insurance to seniors?

BrandAge limitApply


No age limit More info
All Clear Logo


No age limitMore info
Australian Seniors

Australian Seniors

No age limit More info
Boomers logo


No age limitMore info
Cover-More travel insurance


99 and underGet a quote
Easy travel insurance


84 and underGet a quote
Fast Cover LogoFast Cover79 and underGet a quote
Freely travel insurance


99 and underGet a quote
InsureandGo Logo


100 and underGet a quote
Medibank travel insurance


85 and under Get a quote
NRMA logoNRMA99 and underMore info
Southern cross travel insurance

Southern Cross

118 and underGet a quote
Tick Logo


100 or underGet a quote
travel insurance saver logo

Travel Insurance Saver

No age limit Get a quote
worldcare travel insurance logo


No age limitMore info
Zoom travel insurance


85 and under Get a quote

Note: This information was last updated July 2023

What should seniors travel insurance cover?


Medical expenses

Most comprehensive travel insurance policies cover you for unlimited medical expenses if you need to go to hospital. They also typically cover medical evacuations.

Plane icon

Delays and cancellations

29% of Australians, equivalent to around 5.8 million people, have had their flight delayed or cancelled in the last 12 months, according to Finder research. Travel insurance can cover you for cancelled or delayed flights.


COVID-19 expenses

Many travel insurance policies now cover COVID-related expenses. This includes if you need to cancel or rearrange your trip due to COVID.

Lost luggage

Luggage and personal belongings

A good travel insurance policy should you for lost and delayed luggage, credit cards, traveller's cheques and personal items. This could be really helpful as according to Finder's latest 2023 research, almost 8% of Australians have lost personal items when travelling.

How do travel insurers cover pre-existing conditions?

Several travel insurers will automatically cover you for certain pre-existing medical conditions. This can include diabetes, hypertension and skin cancer.

If you have any pre-existing conditions, you should always let your insurer know. You can do this by completing a medical assessment.

They may be able to offer you cover for your pre-existing medical condition – but it's likely to cost you more. Alternatively, they may agree to cover you but not for any claims related to your pre-existing condition.

It's tempting not to mention your pre-existing condition but it's not worth the risk. If you don't tell the insurer, they can deny any future claim you may make.

How can I find cheap travel insurance for seniors?

Regardless of how active you are, most insurers add age loadings to policies – meaning you will typically pay more as you get older.

For example, we got quotes for a 50, 60 and 70 year old going to Bali for a week. There was a $62 difference between the 50 and 70 year old for the exact same comprehensive travel insurance policy. The policy for the 50 year old cost $65, $75 for the 60 year old and $127 for the 70 year old. However, there are ways you can reduce your costs.

  • Use discounts. Take advantage of online discounts to save some extra money.
  • Choose a higher excess. A policy's excess is the amount you need to contribute towards a claim. All travel insurers charge an excess, typically around $100-$250. Some will allow you to increase your excess in return for a cheaper policy. The only downside is that if you do need to make a claim, the excess will be on the more expensive side.
  • Take your grandchildren for free. Lots of insurers can cover your grandchildren for free, sometimes up to the age of 25, so long as they're not in full-time employment.
  • Get more than medical cover. 29% of Australians have experienced a delayed or cancelled flight in the last 12 months, according to 2023 Finder research. It's tempting to save by getting medical-only travel insurance but it might not save you money in the long run.

Cheap travel insurance

Senior travel insurance tips

Book early

Your cancellation cover starts as soon as you take out a policy. This means if something goes wrong and you need to cancel or rearrange your trip, you'll be covered.

Get COVID cover

"Covid still makes up 11% of all claims paid to customers" says CEO of Southern Cross Travel Insurance Jo McCauley. "On average we are paying out claims for cancellation and travel disruption due to Covid to the value of $1,500."

Disclose any pre-existing medical conditions

You can do this when you apply for a policy. Travel insurers have made this process much simpler these days. In most cases, you just need to fill out a short questionnaire.

Take documents with you

Keep a copy of your travel insurance policy as well as any medication you may take. This can make claiming simpler while you're overseas.

Why you can trust Finder's travel insurance experts


We're free

Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and reviewed almost every travel insurer on the market as part of our Finder Awards and our in-house experts regularly appear on Sunrise, 7News and various news publications.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions

  1. Finder consumer sentiment tracker statistics, July 2023
  2. Finder travel insurance methodology
  3. Southern Cross Travel Insurance claims statistics, June 2023

More guides on Finder

  • Travel insurance for over 70s

    Over 70 and need travel insurance? Compare your options to get affordable cover for what matters.

  • Travel insurance for seniors over 80

    Travel insurance is an essential expense for anyone planning a trip overseas, though sometimes it can be difficult to find cover if you are over 80 years of age.

  • Travel insurance for over 85

    Guide to finding travel insurance if you're over 85 years of age.

  • Travel insurance for over 75s

    What you need to know about getting travel insurance when over 75 years of age.

  • Travel insurance for over 65s

    What is seniors travel insurance and why do I have to pay more than someone younger? What are pre-existing medical conditions and why won’t many insurers cover them? Find out the answers to these and other questions in this handy guide to travel insurance for over 65s.

Go to site