Travel Insurance for Seniors

Start looking for insurance early to ensure that you have adequate time to find the right policy.

Many insurance policies have age limits, commonly restricted to travellers under 70 or 75 years of age. However, there are number of insurers that specialise in Seniors Insurance including:

• Australian Senior Travel Insurance• 1 Cover• Cover More Travel Insurance

Pre-Existing Medical Conditions – Most travel insurance policies will exclude certain pre-existing medical conditions (some may exclude all). It is extremely important if you have a pre-existing medical condition to find out whether it is covered or able to be covered. Read the Policy Disclosure Statement (PDS) which will specify what they do and don't cover.

A pre-existing medical condition is defined by most insurers as being an illness or injury that you were seeking or receiving treatment for or had symptoms of in the past 6-24 months.

Tips when looking for Travel Insurance

Many insurers exclude certain countries from coverage, which is generally due to high conflict areas or based on travel advice by the Department of Foreign Affairs and Trade. Review the PDS to ensure that there is no exclusion relating to the countries/regions you are travelling to.

Read the PDS to ensure that the features and benefits of the policy meet your expectations. Policy limits vary between insurers, for example, some insurers may limit luggage to $5,000, whereas an alternate insurer may have higher benefits of $10,000. Generally no two policies provide the same cover. Review the level of the features and benefits as well as the policy exclusions to ensure you are aware of the policy limits and there are no surprises in the event of a claim

Tips when looking for Travel Insurance

Travel insurance companies will often have a 24-hour Hotline Number to assist travellers in the event of an emergency. Make sure you take your travel insurance policy information and contact numbers with you so you can easily contact your insurer from overseas. It is also a good idea to consider leaving details of your travel insurance policy with family or friends back home.

• If you get sick overseas or are involved in a medical emergency, you should contact your travel insurance provider as soon as possible.

• If goods are stolen, generally most insurers will require a police report from the country of origin. Check the PDS to see whether required.

What to do if you need assistance whilst Travelling

Register Your Travel

Whether you are travelling overseas to visit family, as a tourist, for business or to live, the Department of Foreign Affairs and Trade encourages you to register your plans with us before you leave Australia. The registration information you provide will DEFT contact or find you in an emergency - whether it is a natural disaster, civil disturbance or family emergency. It may also be used to pass other information to you such as important travel advice updates, notice of elections and information on other matters relevant to travellers and expatriates.

Traveller's Tips and Advice

Traveller's Tips and Advice

Smart Traveler Checklist Arranging a trip overseas can sometimes be overwhelming. This printable international travel checklist will help guide your travel preparations. The checklist covers all three phases of your travel: before you go, while you're away and coming home.

Travel Advice Up-to-date travel advice provides information about the risks you might face overseas, helping you to make well-informed decisions about whether, when and where to travel.

10 Ten Travel Tips Most important Top 10 Travel Tips.

We hope you find the above information of Travel Insurance for Senior’s

useful and we wish you a Safe & Happy Holiday!

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Presentation Disclaimer –– “This material contains general information only and may not suit your

particular circumstances. To decide if a policy is right for you please carefully read the relevant Product

Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by

contacting our office on 1300 739 861;”

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