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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.
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Got a question? Call 1300 409 322

Whether you’re 60, 70 or 80 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 give you peace of mind while you do all that, by providing seniors travel insurance with cover for unexpected medical and hospital expenses, cancellation, evacuation, repatriation and more.

We also know those memories will be different to other travellers: you may be taking a cruise trip to Alaska, exploring the Canadian Rockies, taking a European tour or just visiting family. So that’s why we’ve made sure that our travel insurance for pensioners allows you to customise your policy to the type of holiday you’re taking.

Male and female seniors waving

5 Things you need to know about Australian seniors travel insurance with Fast Cover

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.

Senior travellers up to the age of 89 are eligible for a seniors travel insurance policy. Further limits may apply to some policy types and adventurous activities.

Cancellation cover can be included with your travel insurance and can protect the deposits that you’ve already paid for your holiday.

The amount of excess you have to pay for medical claims changes after you turn 80 years old.

Your pre-existing medical condition may be covered under your travel insurance for seniors

Can senior travel insurance cover me for my trip?

Whatever your reason for travel, our policies can provide cover for your seniors trip.

Below are just some of the types of seniors holidays our travel insurance 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.

  • 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

Fast Cover travel insurance for seniors includes unlimited access to an experienced Emergency Assistance team available 24 hours a day, 7 days a week and 365 days a year. If you run into trouble or need advice while on your seniors holiday, help is just a phone call away from anywhere in the world.

We’ve also made things even faster and easier by automatically covering a set list of 43 Pre-existing medical conditions, so you don’t need to worry about filling out a questionnaire about your medical history when taking out holiday insurance for seniors.

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 end in Australia
  • You purchase your policy before you commence your journey
  • You’re an Australian citizen or permanent resident of Australia, who has resided in Australia for at least 200 days of the 12 months immediately preceding your trip, and hold a current Australian Medicare card which is not a visitor Medicare card;

Get an instant quote for your upcoming trip or if you prefer to talk to us, give us a call on 1300 409 322 (9am to 6pm Monday to Friday Sydney time) and we would be happy to help put together a quote for you.

You can purchase up to the day you leave for your holiday. However, if you do this, you might be missing out on the benefit of cancellation cover.

The cancellation benefit starts from the time your policy is issued, and provides cover for the deposits that you’ve already made for your holiday, including flights, accommodation, tours and cruises.

So if you purchase travel insurance for your seniors holiday with cancellation cover, you may be able to claim for what you’ve already paid out if you, your travelling companion, or a relative gets unexpectedly sick or injured before your trip and you can no longer travel.

Did you know that you can purchase travel insurance with cancellation cover up to 12 months before your holiday departure date?  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 cruise trip.

So consider purchasing seniors travel insurance for your trip as soon as you’ve paid your deposits to cover yourself for the unexpected.

Senior couple at beach

Can I get cover for pre-existing medical conditions on my seniors insurance?

Our policies are senior friendly and automatically covers 43 pre-existing medical conditions. If you have a pre-existing medical condition or you’re not sure if your pre-existing medical condition is covered, it’s important to read the Product Disclosure Statement (PDS) to see if the policies that we offer provides cover that fits your requirements.

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 dental or chiropractor) at any time in the past, prior to policy purchase;
  3. Any condition for which you have had surgery;
  4. Any condition for which you see a medical specialist.

You will not be able to make any claims related to taking a blood thinning medication such as Warfarin or similar. Aspirin is also considered a blood thinning medication.

What pre-existing medical conditions are automatically covered?

The following 43 Pre-existing Medical Conditions are automatically covered, provided that:

  • You have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months; and
  • your medications for the condition have remained unchanged for the past 6 months; and
  • you meet the age and condition-specific requirements listed below.
  1. Acne
  2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
  3. Asthma - providing that you:
    1. have no other lung disease and
    2. are less than 60 years of age at the date of policy purchase.
  4. Bell's Palsy
  5. Benign Positional Vertigo
  6. Bunions
  7. Carpal Tunnel Syndrome
  8. Cataracts
  9. Coeliac Disease
  10. Congenital Blindness
  11. Congenital Deafness
  12. ~Diabetes Mellitus (Type I) - providing you:
    1. Were diagnosed over 12 months ago, and
    2. have no eye, kidney, nerve or vascular complications, and
    3. do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and
    4. are under 60 years of age at the date of Policy purchase.
  13. ~Diabetes Mellitus (Type II) - providing you:
    1. Were diagnosed over 12 months ago, and
    2. have no eye, kidney, nerve or vascular complications, and
    3. do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia.
  14. Dry Eye Syndrome
  15. Epilepsy - 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
  16. Folate Deficiency
  17. Gastric Reflux
  18. Goitre
  19. Glaucoma
  20. Graves' Disease
  21. Hiatus Hernia
  22. ~Hypercholesterolaemia (High Cholesterol) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  23. ~Hyperlipidaemia (High Blood Lipids) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  24. ~Hypertension (High Blood Pressure) - provided you do not also suffer from a known cardiovascular disease and/or Diabetes
  25. Hypothyroidism, including Hashimoto's Disease
  26. Impaired Glucose Tolerance
  27. Incontinence
  28. Insulin Resistance
  29. Iron Deficiency Anaemia
  30. Macular Degeneration
  31. Meniere's Disease
  32. Migraine
  33. Nocturnal Cramps
  34. Osteopenia
  35. Osteoporosis
  36. Pernicious Anaemia
  37. Plantar Fasciitis
  38. Raynaud's Disease
  39. Sleep Apnoea
  40. Solar Keratosis
  41. Trigeminal Neuralgia
  42. Trigger Finger
  43. Vitamin B12 Deficiency

What if my pre-existing medical condition is not covered?

As a senior traveller, we understand that you may have some pre-existing medical conditions, so call our travel insurance specialists on 1300 409 322 and we can explain the options below:

Option 1

You can generally still purchase Fast Cover travel insurance for seniors, but If your pre-existing medical condition isn’t on our list, or you don’t satisfy the conditions, it means that we’re not able to provide you with cover for those pre-existing medical conditions.

However, we will only exclude any claims which are directly/indirectly related to those conditions. You will still have medical cover for a new condition that may unexpectedly arise while you’re overseas, as well as accidental injuries and illnesses.

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.

Seniors sitting on bench

How does my age affect my seniors travel insurance?


Medical, Cancellation, and Trip Disruption and Resumption claims have a combined limit of:

For claims arising from, related to or associated with an injury or sickness and excess applies of:

Snow Cover

Adventure Pack

60 – 69 years of age


$200 (can be reduced for additional fee)



70 – 74 years of age


$200 (can be reduced for additional fee)



75 – 79 years of age


$200 (can be reduced for additional fee)



80 – 89 years of age


$2000 (not able to be reduced)



Travel insurance for over 80

We know that many other insurers don’t provide insurance for senior travellers over a certain age. We think differently. We know you can still be fit to travel in your 60’s, 70’s, right through to your 80’s. So that’s why our travel insurance for elderly travellers can cover you for your holidays up until you’re 89!

What can travel insurance for seniors provide cover for?

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

Emergency medical and hospital expenses

Be covered for the costs of treatment for an eligible unexpected illness or injuries on your holiday.

Medical evacuation and repatriation expenses

In case of an emergency, such as sickness or injury, you can be covered for the flight home or to get to the nearest hospital.

Sports and leisure activities

Cover for a huge list of sports and activities are automatically included. The more adventurous can also choose to add on the Adventure Pack to cover an extra list of adrenaline-pumping activities.

Cover against theft and loss of belongings

Ensure your possessions are protected while you travel.

Travel Delays

If your scheduled transport is delayed for more than 6 hours, you’ll have cover for additional costs like food and accommodation.

Special Event Transport Expenses

Your booked transport to get to your tour or cruise is delayed or cancelled? You’ll have cover to get to there on time.


Unexpected 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 protect the deposits you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel due to an unexpected emergency.

24 hour emergency assistance

Your seniors travel insurance comes with a 24-hour emergency assistance hotline to experienced medical advisors you can call wherever you are in the world, at any time, for whatever reason or situation you find yourself in and need assistance.

Optional Extras

Our travel insurance policies include the benefits you may need on your seniors holiday. However, we also know that every trip is different, so that’s why we offer optional add-ons that allow you to customise your travel insurance policy – that way, you’re not paying for something you don’t need!

The optional extras include:
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. A Medical excess applies for travellers aged 80 – 89.

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.

Adventure Pack

This is for the senior traveller looking to do more adventurous activities like scuba diving to 30 metres or water skiing. Check out the activities we automatically cover for, and what you need to take out the Adventure Pack

Motorcycle Pack

If you 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. Conditions apply, make sure you have the relevant licences for the country that you’re riding in.

Rental Vehicle Insurance Excess

Hiring a car to drive around and want to save from having to pay the rental car company to reduce the excess? You can add on cover for the rental vehicle insurance excess in your rental vehicle insurance with your car hire company.

Can I buy travel insurance for pensioners?

Our holiday insurance for seniors is available to seniors and pensioners aged 89 and younger.

If you’re looking for cheap travel insurance for seniors because you’re on the pension or on a budget, our Basics policy may be what you’re looking for. The Basics policy provides cover for emergency medical and hospital expenses, evacuation, repatriation and personal liability, with an option to add on cover for your luggage.


For those seniors holidays where you need more than just cover for the basics, our Comprehensive policy provides our highest level of cover for your peace of mind on your overseas seniors trip. The Comprehensive policy provides you with overseas emergency medical cover (including repatriation back home if required), and there’s cover for the payments that you’ve already paid in advance, travel delays, special event transport expenses, luggage and disruptions to your trip.

Our Standard Saver policy is our mid-range policy which offers more cover than the Basics policy and includes cover for cancellation, luggage and trip disruptions.

Compare pensioner travel insurance

While most travel insurance companies offer holiday insurance for seniors, the benefits that they offer will usually differ.

Fast Cover’s overseas travel insurance for seniors offers 3 levels of cover: Comprehensive, Standard Saver and Basics, and are available to travellers aged 89 and younger.

Before you decide on your seniors insurance, you should read the Product Disclosure Statement (PDS) to check what the policy will and won’t cover you for, the exclusions and whether the policy provides the cover that you’re looking for.

Cruise ship

Cruise travel insurance for seniors

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

If you’re cruising on a sea or ocean, even if you’re simply cruising for a few days in Australian waters, you should select “Cruise” when purchasing cruise travel insurance for seniors. Unless there’s a Medicare registered doctor on-board, you won’t be able to use your Medicare card. So if there is an emergency, 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 you won’t require a policy that covers cruise for this type of trip.

All our cruise policies include the usual benefits you get with our Comprehensive, Standard Saver and Basics policies, so you’re covered if you’re on a shore excursion, a tour or on the cruise ship.

Whether you take a cruise from Australia to the USA or simply an around Australia cruise, we know that the unexpected can happen, so that’s why we offer seniors cruise insurance for your peace of mind.

What is the best cruise travel insurance for seniors?

A cruise travel insurance policy that’s best for you is a policy that’s able to cover you for the type of cruise (or any) holiday that you’re taking. Think about where you’re going, what activities you’re going to be doing and what you want to be covered for: do you need cancellation cover in case you can’t take the cruise trip due to an unexpected illness or injury? Will you need to take a flight to get to your cruise, and you’re concerned about flight delays? Have you paid for shore excursions and want to have cover in case something out of your control happens and you can’t make it?

Knowing what you want to be covered for can help you to find the best travel insurance policy for your seniors cruise trip.

Senior Cruise Couple
Orange map of Australia

Domestic travel insurance for seniors

Seniors insurance travel options extends to domestic trips too!

While there’s no medical cover on our domestic policies because you’re covered by Medicare and/or your private health insurance, you still have cover if you have to cancel your trip due to an unexpected family emergency, or if you’re in an accident and your doctor advises against travel. Cover is also provided for travel delays, special event transport expenses, protecting your luggage against loss or theft and rental vehicle insurance excess if you’re hiring a car.

Cheap travel insurance for seniors

The cheapest seniors travel insurance policy may save you money today, but it may not be the best policy for your type of trip. You should consider the benefits included with the price: think about what you want to be covered for, what the travel insurance policy will actually cover you for and also how much you will be covered for.

Some things to consider when looking for cheap travel insurance:

  • Does the policy offer unlimited medical cover?
  • Do you have a pre-existing medical condition?
  • If you’re taking your grandchildren with you, are they covered for free or do you have to pay more?
  • And do you need cancellation cover in case you can’t go on the trip?

So even if you’re looking for a cheap travel insurance policy for seniors, make sure you compare the travel insurance policies not just on the price, but also whether it provides the appropriate type of cover for your type of holiday.

Did you know that if you buy your policy before your next birthday, you may save on your premium, even though you’ll be a year older when you travel? Find out 20 other ways to save money on your travel insurance.

Orange Piggy Bank
Man with magnifying glass

Senior Travel Insurance FAQs

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.

Always check the Product Disclosure Statement (PDS) to make an informed decision about the best seniors travel insurance policy for you.

We can offer travel insurance to travellers up to the age of 89. Get a quick quote for your seniors holiday now or give us a call on 1300 409 322 (Monday to Friday 9am to 6pm Sydney time).

Yes you can! Fast Cover offers travel insurance for senior travellers up to the age of 89. Get a quick quote now or call us on 1300 409 322 (Monday to Friday 9am to 5pm Sydney time).

We are not able to offer travel insurance to travellers aged 90 and over unless you were aged 89 at the time the policy was purchased.

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

We’re able to cover travellers up to the age of 89. Even if you’ll be 90 years of age when you travel, you’ll still be eligible for cover if you purchased your policy while you’re still 89!

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

We offer travel insurance policies for travellers up to the age of 89 who love to travel, whether it be cruising, sightseeing or just visiting family overseas. Depending on what you want to be covered for, you can have unlimited emergency medical and cancellation cover, luggage if they’re lost or stolen, travel delays and special event transport expenses to get you to your cruise or tour on time.

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.

If you’ve already paid deposits for your trip and want to protect the investment you’ve made, our Comprehensive and Standard Saver policies provide cover for trip cancellations. So if you’re unable to go on your trip due to reasons outside of your control, you can put in a claim for the payments that you’ve already made for your trip, including flights, tours, cruises and accommodation.

You are eligible to purchase a Frequent Traveller Saver policy if you are aged 64 years and under.

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

Things 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.