Seniors Travel Insurance

Now that the kids have flown the nest it's time to start planning that dream holiday. Wherever you are headed make sure you have cover you can count on.

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Seniors Travel Insurance Features & Benefits

At 1Cover we want to provide safe travel for everyone, regardless of age. That's why we offer travel insurance no matter what age you are. Depending on your age, we may require a little more information from you to apply for travel insurance. Anyone 80 years or over will be required to submitMedical Declaration Form.

  • Peace of mind when overseas. Even with our basic level of cover we offer unlimited medical cover.

  • Relax and take a long break. Get covered for overseas trips that are up to 12 months long.

  • Get the cover to suit you. Choose from basics and comprehensive plans.

  • Why not get cover for you and the family with our family policies. Dependants (including grandchildren) can be covered at no additional cost.


Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.



FAQs About Seniors Travel Insurance

  • What Is A Pre-Existing Medical Condition?
  • A pre-existing medical condition is:
    - Any medical or physical condition, defect, disease or illness including any mental illness of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days before the certificate of insurance was issued; or
    - Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the issue of the certificate of insurance; or
    - Any surgery which you have undergone in the past 12 months; or
    - Pregnancy
    - Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed 

  • What Pre-Existing Medical Conditions Cannot Be Covered?
  • We regret that we if you have any of the excluded pre-existing medical conditions listed below, you have no cover under the following sections of the policy and you cannot apply for cover for them:
    Overseas Emergency Medical Assistance
    Overseas Emergency Medical & Hospital Expenses (Including Dental Expenses)
    Additional Accommodation & Travel Expense
    Emergency Companion Cover  
    Hospital Cash Allowance
    Cancellation Fees & Lost Deposits Section
    Disruption of Journey

    The excluded pre-existing medical conditions are:
    a) you have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
    b) you require home oxygen therapy or will require oxygen for the journey (including in flight);
    c) you have chronic renal failure treated by haemodialysis or peritoneal dialysis;
    d) you have an AIDS defining illness or any condition or treatment causing you immunosuppression;
    e) or you have had, or are on a waiting list for an organ transplant.

  • I'm Going On A Cruise Around Australia, What Travel Insurance Do I Need?
  • Once you're out on open water, it's classed as overseas. This isn't just the case for travel insurance, but Medicare too, so you won't be covered for any medical needs whilst on a cruise without a domestic cruise policy. Make sure to take out a domestic cruise policy to get full medical coverage whilst on a cruise around Australia, not domestic or Australia only travel insurance.

  • Can I Apply To Extend My Travel Insurance Policy?
  • Yes, you simply need to call us on 1300 192 021, email us at [email protected] or speak to us via online chat. One of our travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. You'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available.

  • If I Am Having A Stopover Outside My Selected Country Will I Be Covered?
  • When you apply for the Policy you need to tell us where you are travelling to. The premium you pay for the Policy depends on your destination/s. The Policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.
    NB. We’ll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.
    Cruises: If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
    Travellers on domestic cruises in Australian Waters may also purchase Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.


Table of Benefits - Seniors Travel Insurance

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies.

Key Benefits Comprehensive  Basics

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses*

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)*

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 







Luggage & Personal Effects*

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.


Cancellation Fees & Lost Deposits*

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.


Rental Vehicle Excess*

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.


Medical Benefits

Medical Benefits Comprehensive Basics

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.


Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.


Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.


Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.


Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.


Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.


Luggage Benefits

Luggage Benefits Comprehensive Basics

Credit Card Fraud & Replacement*

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.


Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.


Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.


Cancellation Benefits

Cancellation Benefits Comprehensive Basics

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 


Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 


Ancillary Benefits

Ancillary Benefits Comprehensive Basics

Personal Liability*

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $5 million

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.


Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.


* $100 excess payable

Further Reading

Got the travel bug? Travel often for business? Or maybe you've got far-away family you love to visit? Check out our single traveller advice and tips.

Single Traveller Advice

Are you a frequent traveller? You could save money with our Annual Multi Trip policy. Get covered for an unlimited number of 90 day trips for a whole year.

Annual Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Long Term Insurance

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.

What Is Covered




Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring Australia or the rest of the world, we have a travel insurance policy to suit your needs.


Local Call Centre

Our Call Centre is based in Sydney. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.