Travel Insurance for Seniors

Find out all you need to know about holiday insurance for seniors below or call us on 1300 409 322 to get a quote for your seniors holiday.

Whether you’re 60, 75 or up to 89 years of age, travelling is all about seeing, doing, and making the memories that will stay with you forever. At Fast Cover, we can help to make those precious memories by providing seniors travel insurance which, depending on the policy chosen, can include certain cover for unexpected medical and hospital expenses, cancellation, evacuation, repatriation and more.

Male and female seniors waving

What does Senior Travel Insurance Cover?

Every traveller has unique needs, so it is important to consider the Product Disclosure Statement (PDS) prior to deciding which policy is right for you and your individual needs. Below is a brief summary of some of the benefits and options available to senior travellers at Fast Cover, however, each policy and benefit includes specific terms, conditions, exclusions, limits and sub limits and not all policies will include all of the benefits mentioned below, therefore, it is important that you understand the PDS before making your decision.  

Any advice or content on this page, including frequently asked questions and answers, is general advice only and has not taken into account your individual objectives, financial situation or needs. 

Fast Cover’s seniors travel insurance policies can provide you with certain cover for:

Pre-Existing Medical Conditions

Our medical screening provides an option for senior travellers to apply to include cover for many pre-existing medical conditions.^

24-hour Emergency Medical Assistance

Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call wherever you are in the world, at any time. ^

Overseas Emergency Medical and Hospital Expenses

This benefit includes certain protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with  unexpected illness or injuries, incurred by you during your trip. ^

Overseas Emergency Medical Evacuation and Repatriation Expenses

In case you are seriously injured or sick whilst overseas, this benefit can provide certain cover for costs for the flight home or to get to the nearest hospital.^

Trip Cancellation of your Seniors Trip

You can take out a seniors travel insurance policy with cancellation cover up to 12 months before you travel. This can come in handy if you want to take measures to help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel due to an unexpected emergency that is covered under the policy.^

Travel Delay Expenses

This benefit can provide certain cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^ 

Luggage and Personal Effects

Fast Cover offers certain protection for loss, theft or damage to your luggage and personal belongings while you travel. ^ 

Special Event Transport Expenses

Your booked transport to get to your tour or cruise is delayed or cancelled? This benefit can provide certain cover for you to book an alternative flight or other transport to help you make it to your special event on time. ^ 

Sports and Leisure Activities

Cover for many sports and activities are automatically included in your seniors travel insurance policy. ^

Optional Extras for Senior Travellers

We know that every trip is different, so that’s why we offer optional add-ons that allow you to customise your seniors travel insurance policy – that way, you’re not paying for something you don’t need!

Adventure Pack

Senior travellers aged 74 and under at the date of policy issue looking to do more adventurous activities like abseiling, zip lining or water skiing can choose to add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities. ^

Motorcycle Pack

If you’re 74 and under at the date of policy issue and want to ride or be a passenger on a scooter, moped or motorcycle, you’ll need to add the Motorcycle Pack to your seniors policy. ^

Cruise Cover

If you’re setting sail on a cruise, add Cruise travel insurance to your seniors policy to include certain cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions. ^

Ski and Snow Sports Cover

Travellers aged 69 and under at the date of policy issue can apply for Fast Covers ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide senior travellers with certain cover for costs associated with ski and snow sports. ^

Bicycle Pack

Avid cyclists can choose to add the Bike Pack to their seniors policy to include certain cover for the costs to help protect their personal bicycles against loss, theft or damage. ^

Reduced Standard Excess

We hope you have a holiday without having to make a claim! However, if something does happen, you’ll need to pay an excess for every claim you make. You can reduce the standard excess on your policy to $100 or $0 by paying an additional premium. ^ 

Specified High Value Items

If you would like to cover your valuable items for more than what they’re currently covered for, you can specify the item and we won’t apply depreciation to it. ^  

Rental Vehicle Insurance Excess

If your rental vehicle is in an accident, damaged or stolen, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^ 

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Canstar Outstanding Value

2024 Canstar Outstanding Value Winner for International and Seniors Travel Insurance.

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Winner Travel Insurance Award

2024 ProductReview.com.au Awards

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Finder Awards

2024 Finder Customer Service Satisfaction Awards

Can I get Cover for Existing Medical Conditions on my Seniors Travel Insurance? 

As a senior traveller, we understand that you may have some existing medical conditions. Fast Cover’s senior travel insurance can provide cover for many existing medical conditions affecting senior travellers, following a medical screening, in case the unexpected happens on your trip. 

You can complete a medical screening for: 

  1. Your existing medical conditions that you have or have had, for the 3 years prior to your policy purchase date, 
  2. Any changes to your existing medical conditions which we have agreed to cover, after you buy your policy and before you leave for your trip, 
  3. New medical conditions you develop after you buy your policy and before you leave for your trip. 

If we agree to provide you with cover for your medical conditions following your medical screening, you may need to pay an additional premium. 

IMPORTANT: If you have had a medical condition within the 3 years prior to your policy purchase date, and you have not completed a medical screening for those conditions, or you have not notified us of a change in health or new medical condition as mentioned above, there is no cover for any claims under the policy arising from any of those medical conditions. You should also be aware of the General Exclusions that apply to all benefits, in particular General Exclusion 20 and 22 of the PDS. 

Please refer to our Product Disclosure Statement for eligibility criteria, and policy terms, conditions, exclusions and limits that apply.

Age Limits for Senior Travel Insurance Policies 

We know you can still be fit to travel in your 60’s and right through to your 80’s. Fast Cover offers travel insurance for senior travellers up to the age of 89 but age limits may be lower depending on the type of policy chosen and cover required. For example, lower limits apply to optional add ons such as the Adventure Pack, Snow Sports Plus Policy, the Motorcycle Pack and Already Overseas policies. Age limits apply at the date of policy issue.

Fast Cover Policy Type Age Limits 

 
The following age limits apply to Fast Cover policy types. 

 

Policy Type 

Maximum age limit 

At the date of policy issue- overseas 

Comprehensive 

Standard Saver 

Basics 

Snow Sports Plus 

Frequent Traveller 

 

89 

89 

89 

69 

75 (including spouse if added and listed on policy) 

At the date of policy issue - within Australia 

Domestic Plus 

89 

Purchased when already overseas 

(no other policy types available for purchase if you are already overseas) 

Comprehensive 

Standard Saver 

Snow Sports Plus 

65 

65 

65 

 

 

 

Fast Cover Add-On Age Limits 

The following age limits apply to Fast Cover policy add-ons and activities. 

Add-On or Activity 

Maximum age limit 

Cruise 

89 

Snow sports 

69 

Adventure Pack 

74 

Motorcycle Pack 

74 

Bicycle Pack 

89 

Travelling with Dependants

If you’re a senior travelling with your children or grandchildren, the age limit for all dependants is aged 20 and under, provided they are your own children or grandchildren of whom you are the legal guardian and are: 

  • not in full time employment, and 
  • travelling with you or the other parent or grandparent listed on the Certificate of insurance for 100% of the trip itinerary. 

Levels of Cover to Suit Your Travel Needs 

Depending on your age at the time you purchase a policy, and other factors such as activities you intend to participate in, you may be eligible for different levels of cover under your seniors travel insurance policy including Comprehensive, Standard Saver, Basics, and Domestic Plus.  

The below is a summary of some of the coverage available and what can be included but is not exhaustive. Make sure you consider the Product Disclosure Statement prior to deciding on which level of cover is suitable for you, as each level of cover provides different benefits, limits and exclusions. 

Comprehensive

For those seniors holidays where you need more than just cover for the basics, our Comprehensive policy provides our highest level of cover on your overseas seniors trip. The Comprehensive policy provides cover under medical related benefits such as emergency overseas medical and hospital expenses, as well as trip cancellation, accidental death, lost luggage and more. ^ 

Standard Saver

Our Standard Saver policy is our mid-range policy which includes cover for more benefits than the Basics policy such as trip cancellation, trip disruption and more. ^

Basics

If you’re looking for cheap travel insurance for seniors because you’re on the pension or on a budget, the Basics policy provides cover under medical related benefits such as emergency overseas medical and hospital expenses, as well as personal liability, with an option to add on cover for your luggage. ^ 

Domestic Plus

Provided you are travelling more than 200km away from home and you’re planning to travel around Australia, our Domestic Plus policy can provide certain cover for trip cancellation due to unexpected circumstanceslost, stolen or damaged luggage, rental vehicle insurance excess, personal liability and more. ^

Travel Insurance Cover Types

During your quote application process, you will need to choose which cover type applies to you.

Single

Cover for you and your children and grandchildren travelling with you, of whom you are the legal guardian, are not in full time employment, aged under 20 and travelling with you for 100% of the trip itinerary (dependants). Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of insurance. ^

Duo

Cover for you and another person including your spouse or companion travelling on the same itinerary for at least 75% of the Trip who is listed on the certificate of insurance. Each insured traveller has their own single benefit limit. ^

Family

Cover for you and your spouse or partner or son and daughter who are travelling together for at least 75% of the trip itinerary, and dependant children. Benefit limits are equal to double the single policy benefit and apply to the combined total of all claims made by the travellers listed on the Certificate of Insurance. However, some benefit limits are not doubled under this cover type. ^

Get an instant quote for your upcoming trip or if you prefer to talk to us, give us a call on 1300 409 322 and we would be happy to help put together a quote for you.

What Types of Trips are Covered by Senior Travel Insurance?

Our policies can provide certain cover for all sorts of seniors trips. Below are just some of the types of seniors holidays our senior travel insurance policies can 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.

  • Ocean cruises
  • River cruises (no need for a cruise travel insurance policy)
  • Bus tours
  • Rail tours
  • Overseas trip
  • Around Australia
  • Driving holiday
  • Campervan holidays
  • Sightseeing
  • Resorts
  • Visiting family or friends
  • Volunteering
  • Work trips
  • Hiking trip (age limit applies for altitudes 3000 m to 6000 m)
  • Golfing trip
  • Skiing (up to 69 years of age)
Senior female pointing

Cruise Travel Insurance for Seniors 

Cruises are a popular holiday for all Australians and in particular for senior travellers. Whether it’s with your spouse, a friend or the extended family, on-board medical treatment and medical evacuations off the cruise ship for seniors can be costly. 

If you’re cruising on a sea or ocean in Australian waters, New Zealand or the South Pacific region for 1 night or more, or within Asia, Europe or Worldwide Regions for 4 nights or more, you need to select “Cruise” when purchasing cruise travel insurance for seniors.  

All our cruise policies include the usual benefits you get with our Comprehensive, Standard Saver and Basics policies, so cover is available for certain medical expenses incurred if you are unexpectedly injured or become sick on-board the cruise ship or an onshore excursion or tour. We will not pay for any medical expenses or medical transportation which is provided on land in Australia. 

Our domestic cruise cover allows for you, whilst travelling on a cruise ship, to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick. Cover is also extended for certain medical expenses incurred whilst on board the cruise ship if you are injured or become sick, however, we will not pay for any medical expenses or medical transportation which is provided on land in Australia.

River cruises are also a popular option for senior travellers, especially in Europe. River cruises are automatically covered under your senior travel insurance policy so you won’t need to choose any additional cover for this type of trip.

Domestic Travel Insurance for Seniors

Seniors travel insurance extends to domestic trips where the destination is at least 200 km from your home in Australia.

While there’s no medical cover on our domestic policies because cover is usually available through Medicare and/or your private health insurance, cover is still available if, for example, you have to cancel your trip due to an unexpected family emergency that is covered under the policy, or if you’re in an accident and your doctor advises against travel. Certain cover is also available for travel delay expenses, special event transport expenses, protecting your luggage against loss, damage or theft and rental vehicle insurance excess if you’re hiring a car.^ 

Why Choose Fast Cover for Seniors Travel Insurance 

Australian-Based Customer Service

Fast Cover is Australian owned and operated. When you contact us, you’ll speak with our Australian-based travel insurance specialist sales and claims team.

24/7 Emergency Assistance

Wherever you’re travelling and whenever you need us, our 24/7 worldwide expert emergency assistance team is ready and waiting to help.

Fast and Simple Claims Process

Our claims process is fast and simple. Call our Aussie claims team or use our online claims form to submit your claim for assessment.

Things you Need to Know about Australian Seniors Travel Insurance with Fast Cover 

  1. Our seniors travel insurance is designed to meet the needs of different types of travellers including pensioners, retirees and elderly travellers. However, eligibility criteria do apply. For example, some of those include but are not limited to:  
    • You need to be 89 years of age or younger at the time of policy issue (some policies do have lower age limits); 
    • Your trip needs to start in Australia and end in Australia 
    • You need to purchase your policy before you commence your trip 
    • You’re an Australian citizen or permanent resident of Australia, and hold a valid Australian Medicare card (if you are a temporary visitor, then you must have a valid Medicare card or be covered in Australia by a private health insurance policy that satisfies the Australian government health insurance requirements for your visa type). 
  2. Different age limits applies for some cover levels and optional add-ons.  
  3. Any advice or content on this page, including frequently asked questions and answers, is general advice only and has not taken into account your individual objectives, financial situation or needs. 
  4.  Before you decide on your seniors insurance, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.  
  5. As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis. 
Man with magnifying glass

Senior Travel Insurance FAQs

An age limit is the maximum age that you can be, to be eligible for a policy or cover type. If your age is over the applicable age limit for a policy or cover type, you are not eligible to purchase the policy or include cover for some activities.

All age-related limits are based on your age as at the date you purchase your policy, so you must enter the age that you are, when you purchase your policy. This means that if you are a year older by the time that you depart for your trip, or even during your trip, your policy will still be valid.


For example: If you are aged 60 at the time you buy your policy, but will be aged 61 when you actually travel, you should you enter your age as 60, as that is the age that you are at the time that we issue your policy.

Fast Cover provides travel insurance cover for travellers up to the age of 89. Even if you'll be 90 years of age when you travel, you may still be eligible for cover if you purchased your policy while you're still 89! 

Unfortunately, we're not able to offer travel insurance to travellers aged 90 and over (unless they were 89 at the time the policy was purchased).

If you are aged 90 and over at the time of policy purchase, the Insurance Council of Australia may be able to suggest other companies who may be able to provide you with cover for your travel.

If you are between 80-89 years of age at the time of policy purchase, you can purchase a:

  • Comprehensive, 
  • Standard Saver, 
  • Basics, 
  • Domestic Plus Policy.

Again, ensure that you check the PDS as lower age limits may apply depending on the type of cover and activities that you will be participating in. 

We can offer travel insurance to travellers who were aged 89 at the time the policy was purchased, but will be 90 years of age at the time of travel. We're not able to offer travel insurance to travellers aged 90 and over at the time of policy purchase.

If you're aged 90 and over at the time of policy purchase, the Insurance Council of Australia may be able to suggest other companies who may be able to provide you with cover for your travel.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Enter the age that you will be at the time that you BUY your policy, even if you will be older when you are actually travelling.

You should use the age that you are at the time you buy your travel insurance policy. So if you haven't had your 65th birthday yet, you should put your age as 64.

For more information, refer to our Product Disclosure Statement (PDS).

Grandkids can be covered under a Family or Single policy if they are your own grandchildren (including grandchildren for whom you are the legal guardian) provided they are aged 20 and younger and not in full time employment. Your grandchildren must travel with you or the other adult listed on the certificate of insurance for 100% of the adult traveller’s itinerary. 

Other children travelling with you and without their parents or grandparents cannot be covered under your family policy, they will need to take out their own policy, or have their parent or guardian take out a policy to cover them.^

If cancellation cover is included with your policy, and you're unable to go on your trip as a direct result of circumstances neither reasonably expected nor intended by you prior to the issue of your certificate of insurance, you can put in a claim for the payments that you've already made for your trip, including flights, tours, cruises and accommodation.^

As each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

We may be able to provide cover for cancellation if your travelling companion is aged 84 and younger, provided the claim meets the terms and conditions of the policy. However, there is a general exclusion that applies to policies that excludes claims that arise from or is any way related to the death, terminal diagnosis, sickness, injury or hospitalisation of any person aged 85 years and over at the time of the claimable event (other than you), regardless of the country in which they live. ^ 

 

However, as each individual’s circumstances are different, in the event of a claim, our claims team will assess each claim on a case by case basis. Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). 

If you’re aged 75 and younger, and taking several trips within a 12 month period, you can apply for a Frequent Traveller Saver policy to include cover for those trips.  You can choose from 15, 25, 40 or 63 days for each trip.^ 

 

If you’re over the age of 75, and planning a few upcoming trips, contact us on 1300 409 322 and we can put together competitive Single trip quotes for you. 

The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for you and your trip. 

No one wants to pay more than they need to for travel insurance, especially if you're on the pension or just want to keep your travel costs down. However, when you're comparing travel insurance for your seniors trip, the cheapest seniors travel insurance quote may not be the most suitable policy for your trip, as it may not provide the cover that you want!

You should consider what you want to be covered for and what the seniors travel insurance policy covers and what it doesn't cover. A policy that doesn't cover you for the things you want may end up not being the cheapest if you have to make a claim.

Claims are assessed on a case by case basis. Therefore, you should submit a claim and our claims team will assess your claim.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

To find the best travel insurance for seniors you should look for a policy that suits the type of holiday that you're taking. You should not only consider what the travel insurance policy is able to cover you for, but also what it doesn't cover. 


Claims are assessed on a case by case basis. Therefore, you should submit a claim and our claims team will assess your claim.  


Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs.  Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

Seniors Travel Hub

Discover travel resources, advice and tips for your next holiday. 

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Disclaimer: Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs. 

† Fast Cover has a referral arrangement with this company.