Planning a trip? Whether you're 18 or 80 and beyond, unexpected events can disrupt even the best-laid travel plans, especially when visiting multiple destinations. 1Cover's comprehensive senior travel insurance policies cover grey nomads with no age limits. Get comprehensive seniors cover for your pre-existing conditions, including overseas medical cover for Covid. Explore 1Cover’s travel insurance options for seniors today.
We offer unlimited medical cover for all travellers with no age limits on single trip policies. See the PDS for details.
We have easy online medical assessment that allows you to apply to cover your pre-existing medical conditions.
Plans change before you travel. That's why we let you choose how much cover you need for cancellation fees and lost deposits.
1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas. We cover any cancellation costs or additional costs incurred because of Coronavirus. Read more in our Covid help centre.
No, we do not have a separate policy for seniors. Just put the age you are now into the quote form and you will be able to pick a plan tailored to your details and your trip.
Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.
Yes, Our comprehensive policies have no age limit. Our medical only, frequent traveller and already overseas policies cover those 69 years and under.
Yes. Things like medical costs can really blow out on a cruise, so a Cruise Pack is required to be covered for anything that happens at sea internationally and domestically. You need to tell us about each country you’ll be visiting on your cruise to be covered for those countries.
Once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by Medicare and private health when you leave the boat for cruise excursions.
If you want medical travel insurance on your domestic cruise, you’ll need to purchase a Cruise Pack to cover you. If you’re taking a cruise within Australian waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "Australia Cruise" as the destination/region. You can find out more about choosing your cruise region here.
A pre-existing medical condition is a condition you have at the time of buying your policy. You must declare any existing conditions when purchasing cover or it could affect a claim later. See our pre-existing medical conditions page for more information.
We do not cover if you are travelling against medical advice or been given a terminal diagnosis. If you are awaiting surgery, treatment, investigation or procedures for any current or yet to be diagnosed health conditions. Or for cosmetic surgery or fertility treatment. If you have a medical condition it will need to be assessed. Some conditions will require an additional premium for your pre-existing condition to be covered. You will find this out after completing the online medical assessment which you'll find when going through the steps to buy cover online.
During the purchase process, you can fill out a short medical questionnaire which will tell you whether you’re covered or not.
If your condition is not covered, you may still be able to purchase travel insurance that will cover you for events not related to your condition. If we can't cover your condition, it means that anyone under your policy would not be able to claim for any costs arising from, related to, or associated with, your pre-existing medical condition/s.
Travel insurance can cover a range of conditions, but each will be assessed on a case by case basis. When getting a quote, complete the medical assessment and answer all the questions and you'll receive an answer as to whether your condition can be covered.
You need to include all destinations you're travelling to, apart from stopovers of less than two nights – except the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.
Note that 1Cover policies have a general exclusion for relatives aged over 85 years. We cannot cover for cancellation fees or lost deposits that arise because of the Death, Injury or Illness of a Relative aged 85 and over.
When you're in your golden years, you want to make sure you're properly protected so you can really let your hair down when you travel. To ensure you're getting the best cover, make sure you have comprehensive cover for medical treatment overseas, and pre-trip cancellation in case an unforseen event caused you to cancel unexpectedly. If your belongings are important to you, a decent amount of luggage protection is smart. Make sure the insurance you purchase includes cover for your pre-existing medical conditions and always read the policy wording to understand the terms and exclusions that apply.
The cost of travel insurance is really all to do with risk. The price is determined on where you travel, how long you go for and your age. Often older travellers do incur higher premiums for their cover, but this is a small price to pay if you consider the cost of medical treatment overseas. You can save by purchasing annual cover, comparing your options, taking shorter trips. But really if you can't afford travel insurance, you can't afford to travel.
Many people assume they don’t need domestic travel insurance because of Medicare. But there are still plenty of things that can go wrong on a domestic trip: lost luggage, or cancelled plans due to flight delays/cancellations, natural disasters like bushfires, or other unforeseen circumstances.
Planning your next cruise around Australia? Don’t set sail without the right protection. Whether it’s trip cancellations, unexpected medical emergencies, or onboard mishaps, a comprehensive 1Cover travel insurance policy has you covered.
If you're cruising within Australian waters, it's important to know that Medicare won’t cover you once you’re at sea. That’s where our Cruise Pack comes in. By adding it to your quote, you’ll be protected for emergency medical expenses onboard, medical evacuation to shore, and more—so you can relax and enjoy the journey.
Discover the benefits of cruise insurance with 1Cover and obtain a quote today..
We’ve made it easy to find the right travel insurance policy for your next multi-trip adventure.
1Cover offers a Medical Only travel insurance policy and a Comprehensive travel insurance policy for Australian seniors looking to travel overseas. Compare the benefits below, double-check exclusions and eligibility criteria, or see the full details in the Policy Wording. Refer to the product disclosure statement (PDS) for full details or get a quote now.
| Policy Benefits | Comprehensive (Single-trip & Frequent Traveller) | Medical Only (available for ages 69 and under) | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | unlimited |
| Dental Expenses | O | $1,000 | $1,000 |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | O | $25,000 | $25,000 |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | - |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | - |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Pre-Departure Amendments to Journey | A | $2,000 | - |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | - |
| Travel Delay Expenses | S | $2,000 | - |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | - |
| Domestic Services | SO | $500 | - |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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72-year old Te Ao Maaka was on her way to Bali International Airport for a flight home to New Zealand when she suffered a heart attack. She was taken to hospital but refused treatment by doctors until demands for payment by hospital staff were met. Thankfully, Te Ao Maaka had a seniors travel insurance policy with 1Cover.
1Cover alleviated the stress of the situation by handling payments for medical assistance and making sure her family was by her side. Te Ao Maaka was in hospital with family by her side for 13 days before being repatriated to New Zealand on a comfortable flight. Back home, she made a complete recovery from her heart attack.
Regardless of whether you have an existing medical condition, it pays to be protected during an unexpected medical emergency.
Watch Te Ao’s story to find out more.
Don’t take any chances with your annual multi-trip holiday — it could mean the difference between a smooth sailing claim or a complex red tape-filled process.
If we don’t have a full picture of your health before you travel, then any claims that you make can be reduced or rejected, or your whole insurance policy might become void. Additionally, if something happens to you and it’s a result of your medical condition, we can’t cover you if you if we didn’t pre-approve your condition. So make sure you declare your existing medical conditions when getting an Australian seniors travel insurance quote online. It is the most efficient way to declare medical conditions and answer the relevant questions during the medical assessment. Learn more about pre-existing medical conditions.
Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical-related questions here.
Then you’ll want to take a look at our cruising guide for seniors. Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.
Campervan to cruising, see how other white hair wanderers are spending their retirement.
Stumped about how you'd like to travel, read on for some of the most popular types of holidays for senior travellers.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.
With more time to explore and more travel experiences tailored to senior adventurers, there’s never been a better time to see the world. With no age limits on most 1Cover policies, we make it easy for Australian seniors to find travel insurance to suit their trip. Get inspired with our travel destinations below - but no matter you go, make sure you pack travel insurance you can count on.
For complete details, check the Product Disclosure Statement (PDS), or get a quick quote now.
Milford Sound, Lake Wanaka - sure.
How about our other ideas.
Exotic beaches resorts, tea production yes...but don't head to Sri Lanka without reading our tips.
Italy is a popular choice for Australian retirees, with its rich culture, warm climate, and good healthcare system.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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