Seniors Travel Insurance

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 submit a Medical 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 medial or physical condition, defect, disease or illness including any metal 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 info@1Cover.com.au 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

Table of Benefits - Seniors Travel Insurance

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

Medical Benefits

Luggage Benefits

Cancellation Benefits

Ancillary Benefits

* $100 excess payable

Further Reading