Seniors Travel Insurance for Over 60, 70 & 80s | Fast Cover
^10% discount applies to standard premiums for all plans. Discount available 5/12/16 - 24/12/16. Not to be used in conjunction with any other offer.
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Domestic

All of Australia including Lord Howe Island, Thursday Island, Christmas Island, Cocos Island and Norfolk Island

Not included

Pacific

Bali, Indonesia, New Zealand & South Pacific. (Choose Worldwide for Hawaii)

Not included

Asia

All Asian countries except Japan. (Choose Worldwide for Japan)

Not included

Europe

All European countries
(including Turkey) and the Russian Federation.

Not included

Worldwide

All countries including North & South America (including Hawaii), Japan, Middle East, Africa & Antarctica.

Not included
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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Seniors Travel Insurance

Who says you can’t travel when you’re over 60? At Fast Cover, we believe as long as you’re willing and able – you should! And when you do, we have travel insurance policies that provide cover for many things you may wish to do.

We’ve made sure that our policies provide cover for the things that are important to you on your holiday – your health, travel cancellations, your belongings and we also provide cover for other extras that may come in handy. Another thing we’ve done is made the whole process straightforward, we can issue you with a policy in a few minutes, and we don’t need you to complete a medical assessment. Simple!

So wherever in the world you want to travel to and whether you’re going on a tour, visiting family and friends, dusting off the backpack, cruising up the river or cruising the oceans, we’ve got a policy that will give you peace of mind when you travel.

Who should get 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 are 60 years of age or over
  • You are an Australian resident or hold a 457 visa
  • Your journey starts in Australia and ends in Australia
  • You purchase your policy before you commence your journey

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, 80’s or even your 90’s^*, and you can then see why we’re a great choice for your holiday.

What are the benefits of seniors cover?

We’ve designed travel insurance packages for travellers over 60 years of age to suit their travel needs.

Our seniors cover includes*:

  • Funding for medical care: You’ll be covered for the costs of treatment for injury or illness. And 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.
  • 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: The costs of accommodation and travel for your travelling companion or for a relative to be with you will be covered if you’re required to go to hospital.
  • Cover against thefts and losses: 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 are 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.

Medical Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Hospital Cash Allowance^^

sub-limits:

––– ––– $2,500 $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50 $50

Accidental Death

sub-limits:

––– $25,000 ––– $25,000 $25,000 $25,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^^

sub-limits:

––– ––– ––– $25,000 $25,000 $25,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000

Loss of Income^^

sub-limits:

––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Cancellation Fees & Lost Deposits

sub-limits:

––– Unlimited Unlimited Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Cancellation Fees & Lost Deposits

sub-limits:

––– $40,000 $40,000 $40,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

sub-limits:

––– $30,000 $30,000 $30,000 ––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
––– –––

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Personal Liability

$2,500,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Additional Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Resumption of Journey

$3,000 $3,000 $3,000 $3,000 $3,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Luggage & Personal Effects

sub-limits:

––– $7,500 $5,000 $7,500 $7,500 $7,500

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (including PDAs and any items with phone capabilities) (per item)

$1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

$2,000 $2,000 $2,000 $2,000 $2,000

Travel Documents, Credit Cards & Travellers Cheques^^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Insurance Excess

sub-limits:

––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Luggage & Personal Effects Delay Expenses^^

––– ––– ––– $250 $250 $250

Theft of Cash^^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Snow Sport Overseas Emergency Medical Assistance

sub-limits:

––– ––– ––– ––– Unlimited –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000

Snow Sport Overseas Emergency Medical & Hospital Expenses^^

sub-limits:

––– ––– ––– ––– Unlimited –––

Emergency Dental Expenses (per person)

$500

Own Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Sport Equipment Hire

––– $1,500 ––– ––– $1,500 –––

Snow Ski Pack

––– $750 ––– ––– $750 –––

Piste Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Bad Weather & Avalanche Closure

––– $750 ––– ––– $750 –––

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the table of benefits in the PDS for full details.

 

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruise in Australian waters where you have purchased Plans A, S or B (selecting Region 3) or Plan M. Refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia - refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13).

Why should I choose Fast Cover?

Fast Cover strives to build the right insurance package for every traveller. Our travel insurance specialists are on hand to help you create a policy which covers your needs.
The Global Assistance team is available over the phone 24/7 so you can travel with confidence knowing help is only a phone call away.

We automatically cover 44 Pre-Existing Medical Conditions to make buying travel insurance fast and simple. *

Wherever you’re travelling and whenever you need us, our Global Assistance Team are ready and waiting to help.

Buy with confidence! You can cancel your insurance for any reason within 14 days after you are issued with your policy and get a full refund. 1 *

Travel with confidence knowing your travel insurance policy is underwritten by Allianz.

Ready to get a quote?

Frequently Asked Questions about Seniors Travel Insurance

  1. When should I buy my Travel Insurance?

    You can buy your Travel Insurance up to 12 months before your Departure Date and you need to buy your policy BEFORE you leave Australia. Unlimited Cancellation cover for Cancellation Fees and Lost Deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Cancellation should the unexpected occur before you start your trip.

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  2. Why is there a $2000 Medical Excess for travellers 80-89 years old and a $5000 Medical Excess for travellers 90 years old or older?

    The Medical Excess is based on the age of the travellers and ONLY applies to injury or sickness claims. A $200 excess applies to claims which are not related to an injury or sickness for 80+ travellers. We do not require a medical form when you buy a policy. Unfortunately we are unable to reduce or remove the medical excess for 80+ travellers.

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  3. Can I remove the $2000 Medical Excess for travellers 80-89 years old or $5000 Medical Excess for travellers 90 years old or older?

    Unfortunately we are unable to remove the Medical Excess for 80+/90+ travellers. Please note that only a $200 excess applies to claims which are not related to an injury or sickness.

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  4. If I get sick or injured and go to hospital, do I have to pay the hospital fees first and then make a Claim?

    If you are hospitalised, please contact Allianz Global Assistance as soon as possible. If you are too ill to do this, give your Policy details to your medical team, who will be able to contact Allianz Global Assistance on your behalf.

     

    If the cost of the treatment is significant (more than $2000), Allianz Global Assistance will communicate with your medical team as to your condition and treatment. If approved, Alliance Gloabal Assistance will be your guarantor and pay the hospital directly for your hospital bills.

     

    If the cost of the treatment is under $2,000, you may need to pay for your costs upfront and make a claim at a later date.

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  5. Can I buy a policy while I am overseas?

    No, we CANNOT offer policies to travellers who are already overseas. Please contact Allianz Global Assistance on 02 9998 7854, they may be able to offer you a Travel Insurance policy for your specific travel requirements.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*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 apply. #Available with our Comprehensive policies only. **No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

+Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers

1The 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. 3Emergency Medical & Hospital Expenses. 4Emergency Medical Assistance. 5The cover for cancellation fees and lost deposits begins from the time the policy is issued. 6Buy 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 children. 7Your 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. 8Spouse (or legally recognised de facto) and Dependants covered for free when accompanying primary policyholder. 9Based on a 0-59 year old travelling to the Pacific region for 4 weeks, Plan E Standard with an excess of $200. 10Provided 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.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

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