Seniors Travel Insurance | Cover Options for Seniors Over 60

Ready for Your Next Seniors Holiday?

Whether you’re 60, 75 or up to 89 years of age, travelling is all about seeing, doing, and making memories that will stay with you forever. Fast Cover’s travel insurance for seniors can provide cover for many types of unexpected situations that may affect your seniors holiday whether you’re:

Renting a campervan for a road trip across Australia
Sightseeing across Europe
Enjoying retirement on a Cruise in the South Pacific
Ticking off your adventure bucket list
And more...^

Please note age-related limits may vary depending on the selected policy type and the cover you require. All age-related limits are based on your age as at the date you purchase your policy. We will advise you at the time you apply to purchase a policy whether the policy or optional benefit that you have selected is available to you. Any changes to age-related limits we make after you purchase your policy will not apply to you.

Every traveller’s needs are different, so check the PDS and TMD to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

What Does Travel Insurance for Seniors Cover?

Fast Cover offers travel insurance cover for seniors through a range of policies which are available to provide some cover under a range of benefits to help senior travellers deal with and take steps to be prepared for many unexpected and unforeseen circumstances during their trip.

This page provides only a summary of some benefits available under our travel insurance policies and does not replace the PDS which sets out the full terms and conditions of cover including benefit limits, sub-limits and exclusions that apply. Please note we can only provide cover for the circumstances and situations covered by your travel insurance policy and listed in your Certificate of Insurance, so always review the PDS before deciding whether you need travel insurance and which policy is right for you.

Overseas 24/7 Emergency Medical Assistance

Senior travellers can experience medical emergencies anywhere - even during holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts, our Emergency Assistance Team, are available to provide senior travellers with 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location. ^ 

Fast Cover’s International  travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances. ^

Overseas Emergency Medical and Hospital Expenses

An unexpected trip to a hospital overseas is the last thing you might want on your seniors holiday, but it could be a reality for many senior travellers.  If you’re struck with Bali Belly, break a bone in the US, or need emergency surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your travel insurance policy. ^ 

Fast Cover’s International travel insurance policies are available to provide seniors travellers with protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas. ^

Overseas Emergency Medical Evacuation and Repatriation

If you’re a senior traveller and become seriously injured or sick during your overseas trip, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your travel insurance policy. ^ 

In case you are seriously injured or sick while on your seniors trip overseas, Fast Cover’s International travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

Trip Cancellation Expenses

Need to cancel your seniors' trip? If you become unexpectedly sick or injured before your holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including cruises, flights, accommodation and tours in circumstances explained in your policy.^ 

At Fast Cover, you can take out travel insurance for your trip up to 12 months prior to your departure date, including before you’ve purchased your cruise tickets and booked your flights, tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. ^ 

Travel Delay Expenses

Seniors holiday on pause? If you’re stuck at an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship -  is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy. ^ 

Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time. ^

Lost, Stolen or Damaged Luggage

Lost, stolen or damaged luggage can turn a dream seniors' holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy. ^

Fast Cover’s travel insurance cover for seniors includes the Luggage and Personal Effects benefit which may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or accidentally damaged during your seniors' holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Optional Extras for your Seniors Holiday

No two senior travellers or trips are the same - and your cover shouldn’t be either. Whether you plan to soak up the sun on a cruise to Fiji, ride a motorcycle through Southeast Asia, rent a vehicle to explore the Aussie coastline, hit the slopes in Canada or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your seniors travel insurance cover so you can include cover for a range of activities to fit you and your travel plans. ^

Cruise Cover for Seniors

Cruises are a popular holiday for Aussie seniors. Whether it’s a cruise 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 your domestic Australian cruise is 1 night or more, or if your international cruise is 4 nights or more, consider adding cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where reimbursement is not provided by the cruise company for these emergencies. ^ 

Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your policy. Below is some of the information which may be needed to get a quote for cruise cover:

Set Travel Dates: Tell us the travel dates you would like to be covered for.
Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise? Answer ‘Yes’ to ‘Going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 passengers) or a large ship (over 200 passengers).

You will need to choose from our international policy options provided during policy application.

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many senior travellers, riding or being a passenger on a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.  

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance for seniors that may provide cover to you for being the rider or passenger on a:   

Motorcycle,
Moped, or
Scooter.

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance policy. ^

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

Cover for Your Rental Vehicle Excess

Keen to explore your travel destination at your own pace? Whether you’re hiring a car for a road trip across Europe or enjoying retirement by touring Australia in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^ 

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

The rental vehicle excess benefit applies to a:  

Sedan, hatchback, or station wagon,     
Four-wheel drive or minibus/people mover, or    
Campervan or motorhome (up to 4.5 tonnes),

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^  

For domestic trips within Australia, Fast Cover automatically provides cover of up to $5,000 for your rental vehicle excess in circumstances covered under your policy, when you purchase a Domestic Plus policy. ^

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.   

Specified High Value Items

Travelling with high value items on your seniors holiday and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^ 

Below are some examples of items you may be able to specify as specified high value items:

Phone
Laptop
Camera

Please note specified high value items are only available on international Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply. ^

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Cover for Snow Sports

Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing and Snowboarding’ during your quote application. This will give you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^ 

Below are some examples of things that may be covered in your snow sports benefits: 

loss or theft of, or accidental damage to snow sports equipment,
for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip, 
if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and 
the cost of transport and lift passes at an alternate ski resort,

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^ 

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy. ^

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

Cover for Adventure Activities

Ready for your next big adventure? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^

Examples of some activities that require the Adventure Pack include:

Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10 -15 nautical miles off any land mass 
Scuba diving up to a depth of 30 m 
Water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.

The Adventure Pack is available at an additional premium for Aussie travellers aged 74 and under when they purchase an international Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy. ^

For more details, visit our page on travel insurance for adventure activities.

two women preparing for tandem skydiving

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

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

How Medical Screening Works

Senior travellers can complete a medical screening for:

Your existing medical conditions that you have or have had, during the period of 3 years prior to your policy issue date
Any changes to your health that occur after your policy issue date and before the date of departure for your trip
New medical conditions you develop after you buy your policy and before you leave for your trip

You should also be aware of the General Exclusions that apply to all benefits, please refer to the general and other exclusions in the PDS. 

Below is some more information about applying for cover for medical conditions and existing medical conditions.

Disclosing Medical Conditions When You Apply for Cover

If you have a medical condition, we may be able to provide you with cover. you can complete a medical screening if you have or have had a medical condition within the last 3 years prior to your policy purchase date, or experience changes to your health including new medical conditions from the date you purchase your policy, up until the date of departure for your trip.

Following your medical screening, we will tell you if we are able to provide cover in relation to the conditions you disclose. If you would like the cover for the approved conditions to be added to your policy you will need to pay the additional premium we apply for the cover, by the time required. We will then list the conditions as covered on your Certificate of Insurance.

If we do not list any such conditions as covered, or you do not disclose any such conditions, there is no covered provided in relation to them.

After Purchase and Any Changes in Health

If any changes in health occur (as defined in our PDS) after your policy issue date and before the date of departure for your trip, you need to contact Fast Cover and undertake a further screening process to determine what premium adjustment may be required.

This is because we automatically exclude cover for:

any new medical conditions or pregnancy conditions that occur after your policy issue date and before the date of departure for your trip, and
all conditions we have listed as covered on the Certificate of Insurance where changes in health have occurred after your policy issue date and before the date of departure for your trip (other than for a claim under Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip).

Based on the rescreening we may:

agree to provide cover for the existing listed conditions and/or add the new listed conditions as covered. You may choose to accept this cover or not. If you do not, you will not be covered in relation to the conditions not listed as covered, or
not agree to provide cover, where based on the changes, our underwriting rules require us to do so.

On being advised of the changes, we will adjust the premium payable (up or down) to reflect the premium that is payable by reason of the changes in accordance with our underwriting rules.

What We Need From You to Complete a Medical Screening

You will need reasonable knowledge of all of your medical conditions, pregnancy conditions or changes in health, which include but are not limited to, the names of your medical conditions or pregnancy conditions.

Check with your medical practitioner if you are unsure of the name because you will not be able to complete the medical screening if you only know the medication you are taking or the treatment you are receiving.

As some medical conditions may be interconnected, you must declare all of your medical conditions, pregnancy conditions or changes in health, regardless of whether or not you:

want cover for them, or
consider them treated, dormant or under control, or
do not consider them important or related to any of your other conditions.

If you do not declare all of your medical conditions or pregnancy conditions, you may not have cover for your medical conditions or pregnancy conditions that are listed as covered on your Certificate of Insurance.

In all of the above cases, if you are not happy with our decision you may exercise your cooling off rights where applicable or cancel the policy before the date of departure for your trip and obtain a refund in accordance with the policy terms. Please refer to our Product Disclosure Statement for eligibility criteria, policy terms and conditions, benefit limits and sub-limits and any exclusions that apply.

How to Apply for Cover for Existing Medical Conditions

If you’re a senior traveller with any existing medical conditions, you may be able to apply to include cover for them during your seniors trip. Our simple medical screening process can be completed online or over the phone with our Aussie based team to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Does Travel Insurance for Seniors Cover My Hospital Expenses if I Get Sick Overseas?

Regardless of the international travel insurance policy that you choose for your seniors trip overseas, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses for senior travellers.

Overseas Emergency Medical and Hospital Expenses

This benefit provides senior travellers with reimbursement for unexpected medical emergencies that can happen on your seniors trip overseas, from food poisoning to treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.

You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):  

medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,   
planned medical procedures or other non-emergency medical treatments,  
routine medical or dental check-ups,   
injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and   
your medical expenses once you’ve returned to Australia,

so, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.

Reciprocal Health Care Agreements

Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your seniors trip if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance may not pay for the cost of medical care that is covered by the RHCA. However, a RHCA may not cover every type of medical expense, so considering taking out travel insurance for international trips with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.

If you’re travelling to an overseas destination that doesn’t have a RHCA with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. Having cover for these unexpected medical situations during your travels may potentially save you from costly out-of-pocket expenses. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.

Existing Medical Conditions and Changes in Health

Remember, if further changes in health occur before the date of departure for your trip, you may need to undertake our medical screening process more than once as the changes in health exclusion would automatically apply again from the time any further changes in health occur.

Find out more about what we consider to be a medical condition in our page on travel insurance for existing medical conditions.

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy and PDS, T&Cs  and Certificate of Insurance. Any advice is general advice only and does not take into account your individual objectives, personal and financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply.

Medical Cover for Seniors in Australia

Domestic Plus Policy

At Fast Cover, our Domestic Plus policy provides travel insurance for seniors who plan to travel within Australia provided your destination is at least 200 km from your home in Australia.

Fast Cover is unable to provide cover for medical emergencies and medical expenses incurred within Australia because medical expenses are covered by Medicare and/or your private health insurance. However, our Domestic Plus policy can provide cover for Trip Cancellation Expenses due to a medical situation or condition that is covered under your policy and listed on your Certificate of Insurance. ^

Read our examples to see how our Domestic Plus travel insurance policy may be able to provide senior travellers with cover in circumstances covered under their policy. Please note our examples are purely fictional and are for illustrative purposes only. As each individual’s circumstances are different, our Claims team will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and conditions, and Certificate of Insurance.

Example: Domestic Trip Cancellation Due to an Unexpected Injury

Domestic Trip Cancellation Due to an Unexpected Injury

No Cover: Fast Cover is unable to provide cover for medical emergencies and medical expenses incurred within Australia because medical expenses are covered by Medicare and/or your private health insurance. In this instance, the costs of the surgery would likely be covered by Medicare and possibly their private health insurance policy, but not their domestic travel insurance policy.

Claims Assessment: However, under the Trip Cancellation Expenses benefit of the Domestic Plus policy, the wife can submit a claim for the cost of the flights, hotel or theme park tickets that cannot be refunded or credited for the claims team to assess further under the policy terms and conditions as the trip was cancelled due to an unexpected injury.

Please Note: This example is purely fictional and is for illustrative purposes only. As each individual's circumstances are different, our Claims team will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and conditions, and Certificate of Insurance.

Example: Domestic Trip Cancellation Due to a Covered Existing Medical Condition

Domestic Trip Cancellation Due to a Covered Existing Medical Condition

Example: A 70-year-old senior traveller bought a Domestic Plus policy to cover herself and her husband on a couple’s holiday to visit their grandchildren in the Gold Coast during the September school holidays with activities including theme parks, going to the beach and hiking. She completed a medical screening and applied to include cover for her existing medical condition. Fast Cover was able to include cover for her existing medical condition, and it was listed as ‘Covered’ on her Certificate of Insurance. Two days before the couple was due to depart on a flight from Sydney to the Gold Coast, the wife experienced a medical situation as a result of her covered existing medical condition, resulting in the need to cancel the couple’s holiday.

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits 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. The age limits outlined below 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.

Who Can Get Seniors Travel Insurance Cover?

Whether you're travelling solo, with your partner or family and friends, every senior traveller and journey is unique. Fast Cover’s travel insurance policies are designed to provide cover for a wide range of Aussie senior travellers including:

Seniors up to the age of 89 enjoying retirement on a cruise
Solo travellers discovering new sights abroad
Couples travelling for their anniversary
Friends celebrating a destination wedding overseas
Families flying overseas to visit family or friends
Business travellers flying overseas for a conference
Grandparents travelling with their grandchildren
Senior adventurers ticking off their bucket list, up to the age of 74
Senior snow sports enthusiasts planning to participate in covered snow sports overseas, up to the age of 69
Senior motorcycling enthusiasts planning to ride or be a passenger on a motorcycle, moped or scooter overseas, up to the age of 74

Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Ready for Your Next Seniors Holiday?

Wherever your journey takes you, consider getting travel insurance cover for seniors for your next holiday and start comparing the benefits

What Types of Trips are Covered by Travel Insurance for Seniors?

Our travel insurance for seniors can provide cover for many types of trips. Below are just some of the types of seniors holidays our travel insurance cover can provide cover for seniors:

Ocean cruises
River cruises
Bus and rail tours
Overseas trip
Domestic trips within Australia
Road trips with a rental vehicle
Rental campervan or motorhome holidays
Sightseeing
Flying to visit family or friends
Business and work trips
Golfing trip
Surfing trip
Motorcycle trip (up to 74 years of age)
Hiking trip (up to 74 years of age for altitudes 3000 m to 6000 m)
Snow sport trips (up to 69 years of age)

Cruise Travel Insurance for Seniors

Cruise holidays are one of the most popular holiday options for Aussie seniors enjoying retirement or pension. Fast Cover’s travel insurance for seniors is available to provide cover for a variety of cruises for your next cruise holiday.

Multiple Cruise Trips

If you’re an avid cruise goer and plan on taking multiple cruise trips throughout the year, you can get a quote for a Frequent Traveller Saver Policy which automatically provides cover for cruises. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. ^

Ocean Cruises

You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship:  

within Australian waters for 1 night or more,
within 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 must specify cruise cover at the time of purchase.

River Cruises

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

Insurance Cover Options for Senior Trips Overseas

At Fast Cover, we have a range of coverage options available for senior travellers heading overseas from Australia. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basics Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. ^

More Than One Trip? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you travel overseas frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out international travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. ^

Do Seniors Need Travel Insurance?

Whether you plan to go travel in Australia, explore overseas, go on a cruise or participate in adventure activities, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Seniors travel insurance cover can help better prepare you to deal with unexpected and unforeseen situations that could impact your seniorsholiday should the unexpected happen. 

Here are some situations to consider when deciding if you need travel insurance for seniors and whether your travel insurance policy can provide cover for these situations on your next trip:

Non-Refundable Expenses from Cancelling Your Trip

Becoming unexpectedly sick or injured could force you to cancel your seniors trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your travel insurance cover can provide cover for trip cancellation expenses. 

Cancellation Cover for Existing Medical Conditions

If you need to cancel your seniors holiday due to an existing medical condition, you could be left with out-of-pocket expenses for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance cover can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition. 

Extra Expenses Due to Travel Delays

Bad weather and airline operational issues could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight to get to your destination. Consider if your travel insurance cover can provide cover for travel delay expenses such as additional meals and accommodation. 

Getting to Special Events on Time

Got tickets for your cruise, a tour package or booked flights for a wedding? If your scheduled transport is cancelled or delayed, consider if your travel insurance cover may cover you for reasonable additional travel expenses to help you to get to your special event on time, so you don’t miss the moments that matter.

Each insurer may have a different definition of special events. At Fast Cover, special events include a pre-booked, pre-paid and pre-arranged: 

Wedding 
Funeral 
Conference 
Concert 
Sporting event 
Cruise 
Tour package

These are only some of the situations that you might wish to consider when deciding if you need travel insurance.  

Before you decide whether you need travel insurance cover for your trip, you should read the PDS to check what our policies 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. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Where is Your Next Seniors Trip?

Planning your next getaway? Discover travel insurance for your next seniors trip whether it’s a relaxing escape to Indonesia, a scenic road trip through the USA, or a short trip to beautiful New Zealand.

What is the Best Travel Insurance for Seniors?

The best travel insurance for seniors can be considered as a policy that provides cover for the type of seniors trip that you’re taking. When looking for the best travel insurance for seniors it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do, who you will be travelling with and other considerations and situations that apply to you and your trip.  

Here are some examples of things you may wish to consider when reviewing the best travel insurance for seniors that may also help you compare travel insurance policies to help you decide which policy is right for you:

Consider How You Will Get Around

Will you be renting a vehicle during your trip?

You may wish to check whether the travel insurance cover provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip.

Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas? 

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply. Cover for riding or being a passenger on a motorcycle, moped or scooter overseas may require an additional premium and may have age limits and other conditions of cover.

Consider the Activities You Will Be Doing

Are you planning to do any adventurous activities while on your trip?

You may wish to check whether the travel insurance cover provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.

Consider Trip Cancellation Expenses

Have you booked a tour, accommodation or flights? 

You may wish to consider whether the travel insurance cover includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.

Consider Who You Will Be Travelling With

Are you planning a solo adventure, a family trip or perhaps a relaxing getaway to enjoy your anniversary or retirement?

You may wish to check whether the travel insurance cover provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for seniors, so you know what cover is available to you before and during your trip and under what conditions. 

Before you decide on the best travel insurance for seniors for your trip, 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. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Multi Award-Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Winner Outstanding Value

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

Value for Money

2024 Finder Customer Service Satisfaction Awards†

The Benefits of Travel Insurance Cover for Seniors

Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare our travel insurance policies for seniors below.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)	$60,000	–––	$60,000	$60,000	$60,000	$60,000
Overseas Emergency Medical & Hospital Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Emergency Dental^	$500	–––	$750	$1,000	$1,000	$1,000
Overseas Emergency Evacuation & Repatriation^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Hospital Cash Payment^ sub-limits:	–––	–––	–––	$5,000	$5,000	$5,000
Daily Limit (per person)				$50	$50	$50
Accidental Death Travellers Aged 80 to 89:	–––	$25,000 $20,000	–––	$25,000 $20,000	$25,000 $20,000	$25,000 $20,000
Accidental Death for travellers up to age 79		$25,000		$25,000	$25,000	$25,000
Accidental Death for travellers aged 80 - 89		$20,000		$20,000	$20,000	$20,000
Accidental Death of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Permanent Disability^ Travellers Aged 80 to 89:	–––	–––	–––	$50,000 $20,000	$50,000 $20,000	$25,000 $20,000
Permanent Disability for travellers up to age 79				$50,000	$50,000	$25,000
Permanent Disability for travellers aged 80 - 89				$20,000	$20,000	$20,000
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	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Trip Cancellation Expenses sub-limits:	–––	Unlimited	$25,000	Unlimited	Unlimited	Unlimited
Travel Agents Cancellation Fees		$1,500	$1,500	$1,500	$1,500	$1,500
Close Relatives that do not meet Close relative conditions		$2,000	$2,000	$2,000	$2,000	$2,000
Personal Liability~	$1,000,000	$5,000,000	$2,500,000	$5,000,000	$5,000,000	$5,000,000
Trip Disruption Expenses sub-limits:	–––	$50,000	$30,000	$50,000	$50,000	$50,000
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Trip Resumption Expenses	–––	$3,000	$2,000	$3,000	$3,000	$3,000
Luggage & Personal Effects sub-limits:	Optional up to $2,000	$7,500	$5,000	$15,000	$15,000	$15,000
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000
Mobile phones (per item)	$1,500	$1,500	$1,500	$1,500	$1,500	$1,500
Tablets (per item)	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
All other unspecified items (per item)	$750	$750	$750	$750	$750	$750
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.	$2,000	$2,000	$2,000	$2,000	$2,000	$2,000
Passports, Credit Cards & Credit Card Fraud^	–––	–––	$2,000	$5,000	$5,000	$5,000
Special Event Transport Expenses	–––	$5,000	–––	$5,000	$5,000	$5,000
Rental Vehicle Excess#~ sub-limits:	–––	$5,000	Optional up to $8,000	Optional up to $8,000	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
Delay of Luggage and Personal Effects^	–––	–––	–––	$750	$750	$750
Theft of Cash^~	–––	–––	–––	$250	$250	$250

Snow Sports Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Snow Sport Equipment	–––	$1,500	–––	–––	$1,500	–––
Snow Equipment Replacement Hire	–––	$1,500	–––	–––	$1,500	–––
Snow Prepaid Expenses	–––	$750	–––	–––	$750	–––
Snow Resort Closure~ sub-limits:	–––	$1,000	–––	–––	$1,000	–––
Daily Limit (per person)		$100			$100

COVID-19 Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)	$60,000	–––	$60,000	$60,000	$60,000	$60,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

What is Not Covered by our Travel Insurance for Seniors?

It’s important to know not just what travel insurance for seniors covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance. 

Below are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.  

Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.

If you are intoxicated or have taken illicit drugs or prohibited substance

Whilst it may not be illegal to have a drink overseas, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws. Keep in mind that alcohol consumption in certain situations might result in certain exclusions being likely applied to your travel insurance policy. As an example, if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.  

Certain drugs are illegal in some countries, and you may not be covered by your international travel insurance policy when you’ve consumed drugs or been involved in drug related activities.

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas. Cover for some activities may require an additional premium and may have age limits and other conditions of cover.

Unsupervised belongings

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you take a swim in the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.  

You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you or keep them locked up in your cabin.

Regular medical or dental check-ups

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. Your claim might be denied if it arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.

Ignoring official warnings

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase. 

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on the official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events

Known events can be considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. 
 
If you buy your international travel insurance after an event is known, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Disappointing holidays

Perhaps the weather wasn’t ideal, you didn’t enjoy your tour, or the accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your seniors holiday has shaped up, your travel insurance cover is not intended to compensate you because you didn’t enjoy your time there.

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Why Choose Fast Cover for your Seniors Trip?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6

From over 2,527 reviews^°

4.6

From over 2,291 reviews^°

What Our Travellers Are Saying

How Can We Help, Mate?

Fast Cover’s Aussie based Emergency Assistance team are available to provide support when you need it, wherever you are, under applicable terms and conditions. ^

Overseas 24/7 Emergency Assistance

Emergency Assistance Team: +61 2 8320 7999

Emergency Consular Services

Travel Alerts and Advisories

Fast Cover Travel Alerts

Official Smartraveller Government Website

Travel Advisories Explained

Customer Service

Customer Service: +61 2 8215 7239

9am-5pm AEST Monday - Saturday

Manage Your Policy

Find a Policy Document

Make a Claim Online

FAQs about Travel Insurance for Seniors

What is an age limit in travel insurance?

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.

What is the maximum age for travel insurance?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Can I take out a policy if I'm between the ages of 80 - 89?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Can I take out a policy if I'm 90 years of age or over?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

What age do I enter when getting a quote or buying a policy?

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.

I'm 64 now, but will be 65 when I travel, what should I put down as my age?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Will my grandchildren be covered under this policy?

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.^

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Does travel insurance for seniors cover trip cancellations?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Am I covered for cancellation if my travelling companion is over the age of 84?

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.

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Does Fast Cover offer frequent traveller annual travel insurance for seniors?

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.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

What is the cheapest travel insurance for seniors?

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 quote for seniors travel insurance cover 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 travel insurance for seniors 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.

Any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Seniors Travel Hub

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

Seniors Health and Safety Guide

Our seniors health and safety guide is filled with tips for staying safe and healthy while travelling overseas to help you plan and prepare for your next trip.~

Things you need to know

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

^ 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 whether travel insurance is right for you and which policy is right for you and your individual needs.   

# We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the Policy (e.g. you have not made a claim or used your policy to obtain a visa). You have a full 25 days from the purchase date of the Policy (as set out in the Certificate of insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance Policy and in accordance with our regulatory obligations. This is known as the “cooling off” period. During this time, you may cancel the Policy simply by contacting us and we will give you a full refund. If you decide to cancel your policy outside of this cooling off period, you may be eligible for a partial refund as described in PDS.

† Fast Cover has a referral arrangement with this company. Awards are only one factor to be taken into account when deciding whether this product is right for you. The awards are accurate as at 01/09/25. Check Product Review, Canstar and Finder for current awards.

° Ratings are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25. Check Product Review and Google for current ratings.  

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and to confirm whether the information provided in these resources is correct and current.

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Overseas 24/7 Emergency Medical Assistance

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical Evacuation and Repatriation

Trip Cancellation Expenses

Travel Delay Expenses

Lost, Stolen or Damaged Luggage

Optional Extras for your Seniors Holiday

Cruise Cover for Seniors

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Cover for Your Rental Vehicle Excess

Specified High Value Items

Cover for Snow Sports

Cover for Adventure Activities

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After Purchase and Any Changes in Health

What We Need From You to Complete a Medical Screening

How to Apply for Cover for Existing Medical Conditions

Select Who Needs Cover

Take a Medical Screening

Choose to Add Cover

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Overseas Emergency Medical and Hospital Expenses

Reciprocal Health Care Agreements

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Domestic Plus Policy

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Domestic Trip Cancellation Due to a Covered Existing Medical Condition

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Basic (Medical Only) Travel Insurance

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Non-Refundable Expenses from Cancelling Your Trip

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Extra Expenses Due to Travel Delays

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Where is Your Next Seniors Trip?

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Consider How You Will Get Around

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Consider Who You Will Be Travelling With

Multi Award-Winning Travel Insurance

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The Benefits of Travel Insurance Cover for Seniors

Medical Benefits

Travellers Aged 80 to 89:

Travellers Aged 80 to 89:

Financial Benefits

Snow Sports Benefits

COVID-19 Benefits

What is Not Covered by our Travel Insurance for Seniors?

If you become injured while breaking the law

If you are intoxicated or have taken illicit drugs or prohibited substance

If you do an activity that isn’t covered by your policy

Unsupervised belongings

Ready for Your Next Seniors Holiday?

Cruise Travel Insurance for Seniors

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501,284
travellers and counting