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Seniors Travel Insurance

Who says you can't travel when you're over 60?

5 seniors travel insurance need to knows

  1. The price of travel insurance is calculated on the age you are when you purchase travel insurance, not the age you'll be on your departure date or during your holiday.
  2. Some pre-existing medical conditions are automatically covered and some aren't. See our pre-existing medical conditions list.
  3. You will not be able to make any claims related to taking a blood-thinning prescription medication such as Warfarin or similar.
  4. The amount of excess you have to pay for medical claims changes after you turn 80 years old.
  5. We cover travellers up to the age of 89. Further limits may apply to some policy types and adventurous activities.

Senior Travel Insurance for any type of holiday

Whatever your reason for travel, our policies can provide cover for your trip. Below are just some of the types of trips our policies provide cover for. If your trip or holiday type isn't on the list, call us now on 1300 409 322 to talk to our travel insurance specialists.

  • Trip or holiday type Covered

  • Ocean cruises ✔︎
  • River cruises ✔︎
  • Bus tours ✔︎
  • Rail tours ✔︎
  • Overseas trips ✔︎
  • Travelling Australia ✔︎
  • Driving holidays ✔︎
  • Campervan holidays ✔︎
  • Sightseeing ✔︎
  • Resorts ✔︎
  • Visiting family or friends ✔︎
  • Volunteering ✔︎
  • Work trips ✔︎
  • Golfing trip ✔︎
  • Skiing (up to 69 years of age) ✔︎
  • And more ✔︎

Who should buy seniors cover?

Our seniors travel insurance is designed to meet the needs of many different types of travellers. So whether you're a pensioner or not, we can provide you with a travel insurance quote if:

  • You're 60 years of age or over
  • Your journey starts in Australia and ends in Australia
  • You purchase your policy before you commence your journey
  • You're an Australian resident or non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance which satisfies your visa type

We know that many other insurers don't provide insurance for travellers over a certain age. We think differently. You can get a travel insurance quote if you're in your 60's, 70's or even your 80's^*, and you'll then see why we're a great choice for your holiday.


We have used Fast Cover on several overseas trips but we were quite unprepared for a shock bowel cancer diagnosis after paying in full for a 104 day World Cruise. Fortunately we had previously taken out a cruise policy with Fast Cover & were disappointingly able to cancel the cruise prior to undergoing major surgery. We kept all the hospital medical records, receipts, etc & eventually submitted a claim for the full costs of the cruise. As you can imagine, this was a significant claim & yet Fast Cover settled the claim in full after only two courteous contacts from helpful staff. We would recommend Fast Cover to anyone & especially those considering expensive cruises.


What are the benefits of senior's insurance?

We've designed travel insurance packages for travellers over 60 years of age to suit their travel needs. Depending on what policy you choose, our seniors cover can include*:

Financial funding of medical care

You'll be covered for the costs of treatment for an eligible injury or illness. If you're on a cruise and need to be airlifted off, you'll be covered for that too. All you'll have to worry about is getting well again.

24/7 Emergency Assistance +

Your Travel Insurance comes with a 24-hour emergency assistance hotline you can call wherever you are in the world, at any time, for whatever reason or situation you find yourself in and need assistance.
Our highly skilled and experienced Emergency Assistance team is on standby to support you in situations where you may need help with medical emergencies, advice, translators or travel arrangements.

Protection against cancellation +

If you unexpectedly become sick and are unable to travel, cover is provided for the cost of your holiday, including any deposits you might have lost*. This is especially important for cruise holidays, as you're usually required to pay upfront for a holiday up to 12 months or more in advance. You certainly wouldn't want to lose all the prepayments you've already made if you get sick and can't go on your holiday.

Travelling companion or relative expenses +

If you're required to go to hospital for a serious condition, you'll be covered for the costs of accommodation and travel for your travelling companion or a relative to be with you.

Cover against thefts and loss of belongings +

If your property is lost or stolen, you'll be covered.

Compensation if the worst happens +

If an accident causes a disability, loss of income or even death you're covered.*

Cash for hospital stays +

If you're admitted to hospital, you'll receive an allowance to spend while you're there. This could be used for food, taxis or whatever you need.

How seniors travel insurance changes with age

Medical, Cancellation, and Trip Resumption & Disruption claims have a combined limit of:
For claims arising from, related to or associated with an injury or sickness an excess applies of:
Snow Cover
Adventure Pack
60 – 69 years of age Unlimited $200

(can be reduced for additional fee)

Optional Optional
70 – 74 years of age Unlimited $200

(can be reduced for additional fee)

X Optional
75 – 79 years of age Unlimited $200

(can be reduced for additional fee)

80 – 89 years of age Unlimited $2000 X X

How to get the best deal on seniors travel insurance with us

  • Compare our policies by considering the benefits included with the price.
  • Travel insurance is calculated on age among other things, so buy before your birthday as the price will generally be higher after.
  • Remain a loyal customer as discounts can be offered for any future purchases.
  • Buy travel insurance with your travel companions and save. For example if you buy for 2 of you, we'll give you a 5% discount and 50% off† excess reduction. For groups of 3 or more, call 1300 409 322 for a group discount.
  • Look for a policy with the benefits you need, for example there's no point having cover for cruising or skiing, if you aren't going on a cruise or going to the snow. Consider a policy where you can add the options which suit you such as cover for cruises, snow*, golf, adventure sports* and rental vehicle excess insurance if you need them.
  • If travelling with grandchildren, our policies offer free‡ cover for dependants.

Case Study~

Claire, a 72 year old from the Northern Beaches, New South Wales, needed over $190,000 worth of medical assistance after she fell and injured her spine while on her dream cruise around South America. Claire fell from her bed while the cruise ship was sailing through rough seas. Claire's travel insurance policy cost close to $700 for the two month long cruise and provided unlimited cover for the overseas medical and hospital expenses she needed.

Cover for pre-existing medical conditions

A Pre-existing Medical Condition is classified as:

  1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
  2. A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to policy purchase;
  3. Any condition for which you take prescribed medicine;
  4. Any condition for which you have had surgery;
  5. Any condition for which you see a medical specialist.

Automatically covered†† pre-existing medical conditions

  • Acne
  • Allergies
  • Bell's Palsy
  • Benign Positional Vertigo
  • Bunions
  • Carpal Tunnel Syndrome
  • Cataracts
  • Coeliac Disease
  • Congenital Blindness
  • Congenital Deafness
  • Dry Eye Syndrome
  • Folate Deficiency
  • Gastric Reflux
  • Goitre
  • Glaucoma
  • Graves' Disease
  • Hiatus Hernia
  • Hypothyroidism including Hashimoto's Disease
  • Impaired Glucose Tolerance
  • Incontinence
  • Insulin Resistance
  • Iron Deficiency Anaemia
  • Macular Degeneration
  • Meniere's Disease
  • Migraine
  • Nocturnal Cramps
  • Osteopenia
  • Osteoporosis
  • Pernicious Anaemia
  • Plantar Fasciitis
  • Raynaud's Disease
  • Sleep Apnoea
  • Solar Keratosis
  • Trigeminal Neuralgia
  • Trigger Finger
  • Vitamin B12 Deficiency
providing that you:
  • have no other lung disease and
  • are less than 60 years of age at the date of policy purchase.
~Diabetes Mellitus (Type I)
providing you:
  • Were diagnosed over 12 months ago, and
  • have no eye, kidney, nerve or vascular complications, and
  • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and
  • are under 60 years of age at the date of policy purchase.
~Diabetes Mellitus (Type II)
providing you:
  • Were diagnosed over 12 months ago, and
  • have no eye, kidney, nerve or vascular complications, and
  • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia.

providing there has been no change to your medication regime in the past 12 months, and you are on no more than one anti-convulsant medication


(High Cholesterol) -provided you do not also suffer from a known cardiovascular disease and/or Diabetes


(High Blood Lipids) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes


(High Blood Pressure) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes

~ Diabetes (Type I and Type II) , Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have a history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions is also excluded.

Pre-existing medical conditions NOT covered

  • If you are on a prescribed blood thinning medication such as Warfarin, Coumadin or Marevan.

  • Cardiovascular disease

  • Bone replacements such as knee or hip replacements

  • Any conditions that requires surgery

  • Any condition you have been hospitalised for in the past two years

  • Cancer

  • Chronic lung disease

  • Mental illnesses such as depression, bipolar or anxiety

  • Organ transplants such as lung, liver, kidneys.

  • Any other condition NOT in the “Automatically covered pre-existing medical conditions” list

What happens if I want cover for my pre-existing medical conditions that are not automatically covered?

As an older traveller we understand you may have some pre-existing medical conditions, so call our travel insurance specialists on 1300 409 322 and we'll explain the options below.

Option 1

You can generally still purchase travel insurance from Fast Cover, but you won't have cover for any of your pre-existing medical conditions that aren't automatically covered.

Option 2

We can refer you to an affiliate who can take you through a medical questionnaire. They may be able to provide you with cover for your pre-existing medical condition.

Cruise travel insurance for seniors

Cruising has become a very popular holiday for all Australians and in particular seniors.

If you're cruising on a sea or ocean, you should select “Cruise” when purchasing insurance to ensure you have cover. Even if your cruise is only going along the coast of Australia, you should still select “Cruise” because you'll be in international waters. This means you'll be unlikely to be covered by Medicare and if something happens, you'll be responsible for the cost of any medical treatment and the cost of evacuation by boat or helicopter back to the mainland.

River cruises are also a popular option, especially in Europe, and won't require a policy that covers cruise for this type of trip.

Why should I choose Fast Cover?

  • No medicals*

  • Automatic cover†† for 43 pre-existing medical conditions

  • Multi award winning travel insurance
    MOZO 2015 Best Value Comprehensive Cover MOZO 2015 Best Value Seniors Comprehensive Cover

  • Our Customer Service team is located in Australia

  • 14 Day Cooling Off period.

  • The Emergency Assistance team is available over the phone 24/7 so you can travel with confidence knowing help is only a phone call away.

  • Grandchildren included FREE‡. We cover your grandkids so they can travel with you free of additional charge.

  • Our travel insurance specialists are on hand to help you create a policy which covers your needs.

  • Optional cruise cover

  • Simple add-ons for Rental Vehicle Excess Insurance, specified item cover, Adventure pack*, reduced excess^, golf or bicycle add-on packs.

  • Fast Cover strives to build the right insurance package for every traveller.

  • Underwritten by Hollard

Ready to get a quote?
Important legal stuff you need to know
*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.
^For travellers aged 80 and over, additional terms and conditions apply.
Buy a Duo policy and save 5% versus the cost of two single policies. Excess reduction discount is based on the cost of excess reduction under a Duo policy versus the cost under two single policies. Duo policies do not provide cover for any dependant grandchildren. ‡Your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the Journey are included at no extra charge.
††Provided you have not been hospitalised (including any day surgery or emergency department attendance) for the condition in the 24 months prior to the time of policy issue. ΔThe premium paid is refunded within 14 days after you are issued your Certificate of Insurance provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy.
~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.