Travel doesn’t stop at 70 — it often gets better. Whether you’re visiting family overseas, exploring Europe, or cruising around Australia, a good travel insurance plan gives you peace of mind. For seniors over 70, choosing the right travel insurance is essential because it protects you from unexpected medical bills, trip cancellations, or lost luggage while travelling.
In this guide, we’ll help you find the best travel insurance for seniors over 70 in Australia, explain what to look for, and share the top providers that offer great coverage and customer support.
Why Seniors Over 70 Need Travel Insurance
As we age, the chances of health issues or travel disruptions increase. Travel insurance ensures you’re covered for:
- Emergency medical treatment abroad or within Australia
- Hospital stays and medical evacuation
- Trip cancellations or delays due to illness
- Lost or stolen luggage
- Unexpected changes in travel plans
Without insurance, even a small medical issue overseas can cost thousands of dollars. A comprehensive policy helps you travel confidently, knowing you’re protected.
What to Look for in Travel Insurance for Seniors Over 70
When you’re choosing travel insurance at this age, look beyond the price tag. Focus on the coverage and how well it fits your health and travel style.
1. Age Limit
Many insurers set age limits on their policies. Choose one that covers people over 70 (some go up to 100 or have no age limit at all).
2. Pre-Existing Medical Conditions
If you have ongoing health conditions (like diabetes, blood pressure, or heart disease), make sure your insurer covers them. Some policies include pre-existing conditions automatically, while others require you to declare them or pay extra.
3. Unlimited Medical Cover
Medical emergencies are the biggest financial risk when travelling. Look for a policy that offers unlimited or high-value emergency medical cover.
4. Trip Cancellation and Interruption
If you fall ill before your trip or need to cut it short, cancellation cover helps you recover non-refundable expenses like flights or hotel bookings.
5. Cruise and Adventure Add-Ons
If you’re planning a cruise or light adventure activities, check if your policy includes those or if you need to add them separately.
6. 24/7 Emergency Assistance
A good insurer should provide 24-hour medical and travel support from anywhere in the world.
Top Travel Insurance Providers for Seniors Over 70 in Australia
Here are some trusted insurance providers known for offering strong cover for older travellers:
1. AllClear Travel Insurance
AllClear is one of the most senior-friendly travel insurance providers in Australia.
- No upper age limit
- Covers over 1,300 medical conditions
- Unlimited medical emergency and repatriation cover
- Specialised over-70s travel insurance plans
It’s perfect for travellers with existing health conditions or long overseas trips.
2. 1Cover Seniors Travel Insurance
1Cover is a popular choice among Australian seniors.
- Covers travellers of all ages
- Unlimited overseas medical cover
- Easy online health assessment
- Covers both domestic and international trips
This plan is ideal if you want comprehensive medical protection and simple claim processes.
3. Cover-More Travel Insurance
Cover-More offers flexible plans tailored to your trip type.
- Single-trip and annual multi-trip options
- Covers pre-existing medical conditions (after assessment)
- 24/7 global emergency helpline
It’s a great choice for frequent travellers or those who want high medical coverage with a trusted Australian brand.
4. RACQ Travel Insurance
RACQ offers strong coverage options for older Australians.
- Covers travellers up to 110 years of age
- Good value for money
- Great customer service and easy claim process
RACQ is especially recommended for seniors who prefer dealing with a local Australian company.
5. Allianz Travel Insurance
Allianz is one of the biggest and most reliable travel insurers worldwide.
- Comprehensive cover for medical emergencies, cancellation, and lost luggage
- Available for seniors (age limit varies by plan)
- Options for domestic and international travel
Allianz is known for smooth claims and strong customer support, especially for seniors on cruises or long holidays.
6. National Seniors Travel Insurance
This plan is designed exclusively for older Australians.
- Tailored for seniors over 60 and 70
- Covers most pre-existing conditions
- Discounts for National Seniors members
- No upper age limit for many policies
If you want senior-focused benefits and support, this is an excellent option.
Tips for Choosing the Right Policy
- Compare multiple quotes: Prices can vary a lot between insurers.
- Be honest about medical conditions: Always declare your health issues to ensure your claims are valid.
- Read the fine print: Check exclusions, waiting periods, and medical limits.
- Buy early: Purchase travel insurance as soon as you book your trip to get cancellation protection immediately.
- Look for local support: Choose an insurer with Australian-based customer service and a 24-hour emergency number.
How Much Does Travel Insurance Cost for Seniors Over 70?
The cost depends on your age, destination, trip duration, and medical history. On average, it’s higher than younger travellers, but that’s because of increased health risks. You can often save by increasing your policy excess or removing optional extras you don’t need.
Conclusion
Traveling after 70 is about freedom, discovery, and making memories — not worrying about what could go wrong. The right travel insurance gives you confidence to explore without stress.
Whether you’re planning a cruise, a trip to Europe, or a weekend away, companies like AllClear, 1Cover, RACQ, Allianz, and National Seniors Insurance offer reliable protection tailored for your needs.
Take a few minutes to compare plans, declare your health conditions honestly, and choose the one that gives you peace of mind and protection wherever you go.
FAQs
1. Can I get travel insurance after turning 75 or 80?
Yes. Many insurers like AllClear and RACQ offer travel insurance even beyond 80 years old, depending on your health.
2. Are pre-existing medical conditions covered?
Most insurers cover common medical conditions if declared during the application. Some may charge an extra premium.
3. Is cruise travel covered for seniors?
Not always automatically. You might need to add a “cruise cover” option to your policy.
4. Can I buy travel insurance if I’m already overseas?
Some insurers allow this, but it’s best to buy before you leave Australia to ensure full protection.
5. Is domestic travel covered?
Yes. Many insurers offer domestic travel insurance that covers trip cancellation, lost luggage, and emergency accommodation.