Wellbeing

Travel Insurance for Seniors

Travel insurance can help prepare for the unexpected by providing cover for overseas medical expenses, lost luggage, theft and travel delays.

Written by Medibank
Retired couple playing guitar on a summer afternoon at the beach. They wear comfortable and simple clothes, they are barefoot. They are sitting on beach chairs at the edge of the road to the sea. We see them from behind.

Travelling has become more accessible and affordable than ever before and with a plethora of unforgettable and exciting travel options available, there’s no wonder so many seniors are taking to the sky and exploring the wonders of the world.

But before you set sail on your next adventure, there are some important things you’ll need to take care of first. We know that the holiday to-do list can sometimes be a little overwhelming, but don’t worry — we’re here to lend a helping hand.

Travel Insurance for seniors - what do I need to know?

Travel insurance can help you prepare for the unexpected. But as you get older, policies might change and lead to some confusion over what exactly is covered. Generally speaking, seniors looking to take out travel insurance can worry less about age limitations or other restrictions. There are plenty of options out there that will provide excellent cover on overseas medical expenses, lost luggage, theft and travel delays.

We’ve outlined a few major differences to keep in mind whilst shopping around, so you can relax on your holiday knowing you’re protected.

Coverage for over 60s

As we get older, insurers may see some lifelong medical conditions, such as asthma, as posing a higher risk to your health. For this reason, some insurers may stop automatic cover on certain conditions. Be sure to disclose all pre-existing medical issues to your insurer — that way they can run a health assessment and let you know exactly what you’re covered for.

Multi-trip insurance policies may also become harder to take out for over 65s. Here at Medibank we aim to keep our Annual Multi Trip plan available to as many people as possible; check out to see what multi cover is available to you here.

Coverage for over 70s

There is an increased risk of suffering from health-related issues and injuries as we age, and insurers may hike premiums as this risk increases. As a result, you may be required to take out a comprehensive insurance plan, rather than basic. This will give you the highest level of cover on a number of things, including overseas emergency medical costs, trip cancellation, luggage cover and alternative travel expenses if your flights are delayed.

Coverage for over 80s

Lots of people believe that travel insurance isn’t even an option for those aged 80 and over. However, this simply isn’t true: there are plenty of insurers who offer coverage for people up to the age of 100. Medibank aims to make our comprehensive cover available to as many people as possible, so be sure to check to see what you’re eligible for here.

MORE: Get a quote for travel insurance in just four easy steps

Senior Travel Checklist

With travel insurance ticked off the list -- there are just a few things left to consider before departure. See our essential checklist below before setting off on your next adventure.

  • Vaccinations. Consult your GP at least 6-12 weeks prior to departure to see exactly what vaccinations are recommended for your chosen destination. Be mindful that some vaccinations will require more than one dose or could take several weeks to take effect.
  • Medical facilities. Familiarise yourself with the nearest medical facilities in the areas you’re planning on visiting, especially if you have a known condition that requires regular medical attention. This can be checked via your travel agent or online.
  • Pack smart. Do some research into the country you’ll be visiting, with a focus on climate and culture to ensure you pack the right clothing, toiletries and medical supplies. Purchase ahead of time, as buying essentials overseas can be pricey. We also recommend bringing a mini medical kit that can be carried day-to-day.
  • Accessibility considerations. Speak with your travel agent ahead of time to arrange any seating and accessibility requirements needed throughout your trip.

Medibank Travel Insurance Perks

We know that life is full of surprises. That’s why Medibank Travel Insurance includes unlimited^ overseas medical expenses and return to home cover, helping you prepare for when things don’t go according to plan. If you choose to take out a policy with Medibank, you will also gain access to our 24/7 travel assist hotline -- where our friendly team can give you advice for medical emergencies every single day of the year, no matter what corner of the earth you are calling from. To receive a quote on Medibank’s seniors cover visit here, or refer to our Product Disclosure Statement for further information.

^ Cover will not exceed more than 12 months from the onset of the illness or injury

Written by Medibank

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