Seniors Travel Insurance

Important Travel Alert:

Before you buy, please read our travel alerts.

The one thing you need

No matter if you're 18 or 80, there are plenty of things that can go wrong when travelling. 1Cover seniors travel insurance policies cover grey nomads with no age limits on comprehensive policies. Get cover for your pre-existing conditions, including Covid today.


Unlimited Medical

Unlimited Medical

We offer unlimited medical cover for all travellers with no age limits on single trip policies. See the PDS for details. 

Pre-Existing Conditions

Pre-Existing Medical Conditions

We have easy online medical screening that allows you to apply to cover your pre-existing medical conditions.

Unlimited Cancellation

Unlimited Cancellation

Plans change before you travel. That's why we offer cover for cancellation fees and lost deposits.

Unexpected Travel Delays

Travel Delays

  • Your journey could be delayed by events outside of your control like severe weather. Our cover includes  additional accommodation and meal expenses.








Seniors Travel Insurance fAQS

  • do you cover covid?
  • 1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas. However, at this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus. Read more in our Covid help centre.

  • What age does senior travel insurance cover?
  • Our comprehensive policies have no age limit. Our annual multi-trip policies cover those 64 years and under.

  • Can I Buy travel insurance for over 80?
  • Yes, Our comprehensive policies have no age limit. Our annual multi-trip policies cover those 64 years and under.

  • can i get seniors travel insurance for cruising?
  • 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. 

  • Do I need Travel Insurance for a Domestic Cruise?
  • 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.

  • What Is A Pre-Existing Medical Condition?
  • 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. 

  • Which Pre-Existing Medical Conditions are not covered?
  • 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 conditon 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. 

  • If I can’t get cover for my pre-existing medical condition, can I still buy a policy?
  • 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.

  • does travel insurance cover for a stoke, cancer or pulmonary embolism?
  • 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. 

  • Am I covered for stopovers?
  • 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.

  • do you cover for senior relatives?
  • 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.

  • what is the best travel insurance for seniors?
  • 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.

  • how can seniors get cheap travel insurance?
  • 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.

  • do I Need travel insurance for domestic trips?
  • 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.




Domestic Cruising

If you're on a domestic cruise within Australian waters you are no longer covered by Medicare. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise. Learn more about cruise insurance.




Table of Benefits

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, or see the full details in the Policy WordingRefer to the PDS for full details or get a quote now

Policy Benefit Comprehensive
(Single-Trip & Frequent Traveller)
Medical Only
(available for ages 74 and under)

Overseas Emergency Medical Assistance^



Overseas Emergency Medical & Hospital Expenses^*



Includes Dental Expenses (per adult)^



Resumption Of Journey^*



Hospital Cash Allowance^*



Repatriation Of Remains



Permanent Disability^*



Loss Of Income^*



Credit Card Fraud & Replacement^



Includes Travel Documents & Traveller's Cheques^



Theft Of Cash^#



Luggage & Personal Effects*



Luggage & Personal Effects Delay Expenses^



Additional Accommodation & Travel Expenses*



Includes Family Emergency*



Includes Emergency Companion Cover*



Cancellation Fees & Lost Deposits*



Disruption Of Journey*



Alternative Transport Expenses^



Personal Liability#

$5 million

$5 million

Domestic Pets^*



Domestic Services^*



Rental Vehicle Insurance Excess#*




Get a quote


We've Already Helped
2 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Do not travel without 1Cover"

    We have used 1Cover for many years now and do not leave home without it. Great service, exceptional if you make a claim. Only insurer I would recommend. 

    By Ian, Nov 2022

  • Helpful, caring & supportive

    My husband required emergency surgery in the USA. There was no expense spared with either the medical costs (considerable) or our accommodation. We cannot speak highly enough of 1Cover and have recommended them to all our friends.  
    By Anonymous, Dec 2022

  • "great company"

    Found this company the best for insurance prior to Covid and especially now that travel has restarted. We had multiple credit vouchers that they have honoured with not problems. Thank you 1Cover for your great service. 

    By Bernadette, Dec 2022 

  • Easiest company

    You never know how good insurance is until you have to make a claim! 1Cover responded to us in their prescribed timeframe and our payout was made within 15 days. I would recommend them 100%. This is the seventh time we have used them and first time we had to claim. Well done! 

    By the Bakers, Nov 2022

Read More Reviews


It could happen to you

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. 

Watch Te Ao’s story to find out more.



Pre-existing Medical conditions


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 a quote online. It is the most efficient way to declare medical conditions and answer the relevant questions during the medical screening. Learn more about pre-existing medical conditions.



pre existing medical conditions



Seniors Travel Tips

Health considerations

Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical-related questions here

Seniors cruising

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.

popular holidays for seniors

Campervan to cruising, see how other white hair wanderers are spending their retirement.

seniors travel Inspiration

 Stumped about how you'd like to travel, read on for some of the most popular types of holidays for senior travellers.



Why Choose 1Cover Travel Insurance?

Trusted by 2 Million customers

Since 2003, we've provided travel insurance to more than 2 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

We’re proud to be awarded for our quality products and services. We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance. As well as Product Review's Travel Insurer of the Year in 2019.

Local Customer Service

Our customer service specialists are based in Sydney and operate from Monday to Friday.  Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out. 


24/7 Emergency Assistance

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.