Choosing the best seniors travel insurance
Our seniors travel insurance comparison compares loads of reputable insurers with plenty of policies for the over 65s.
Traditionally, silver haired vacationers purchased travel insurance at the peril of their travel agent when booking their travel. Unbeknown that this could be costing them up to 50% more than purchasing the same level of cover directly with an insurer.
In recent years, baby boomers embraced the power of knowledge and these savvy seniors have been redefining how the over 60s book their travel and insurance. Seniors today are more active, financially independent, and keen to travel. And travel insurers have come to the party by increasing maximum age limits and in some cases providing specialist senior friendly policies.
But which policy is best? The simplest way to find great value seniors travel insurance is to do some research through a comparison website to compare levels of cover along with quotes.
Finding the right policy for you
Whether you're a seasoned traveller or planning a trip of a life time, if you want to find the right policy, you need to consider how you travel and what your cover requirements are.
Be it a coach tour, carribean cruise, mountaineering in the wilderness or a trip to simply visit the grandkids, significant savings can be made by comparing policies online.
Arguably, the most important cover benefit for seniors to compare is medical treatment. Medical cover is vital for travellers of any age to avoid expensive overseas medical bills and out-of-pocket expenses during an emergency should the unexpected happen.
When comparing policies look for a high level of cover for cancellation and lost deposit fees. Especially if you have pre-booked a package deal or tour where there is greater financial loss at risk should circumstances make it impossible to travel.
Travel insurance companies have different 'caps' on how much they pay out for a claim. So if you're travelling with valuable items such as high end cameras, it is worth comparing the itemised cap on personal items under luggage and personal effects.
Some travel insurance providers also provide cover for dependents for free, so if you're travelling with children or grandchildren check whether they can be added under your policy.
The following insurers offer unlimited 24/7 overseas emergency medical assistance and unlimited overseas medical treatment in the event of an emergency.
| Seniors age bracket | Note | |
|---|---|---|
| 1Cover | 60 – 110+ | 1Cover provides cover for all ages, with no upper age limit. So whether you’re in your 60s, 70s, 80s, 90s or beyond there’s a policy for you. |
| American Express | 65 - 80 | One of the worlds most recognised brands, Amex offers high levels of cover and service for senior travellers up to the age of 80. |
| Downunder | 65+ | Downunder offers travel insurance for over 65s over the phone. Give them a call for a competitive quote. Freephone: 0800 244 633 |
| Online Travel Insurance | 72 - 75 | Online travel insurance offers the same great price whether you’re 27 or 72. Minimal age loadings are applied for ages 72 to 75. |
Use our comparison for a hassle free way to compare seniors travel insurance.
Be sure to read the PDS to understand what is and is not covered by your chosen policy prior to purchase. Make sure you declare any pre-existing medical conditions to ensure you have adequate cover. And don't forget to consult your physician on any medications required during your journey along with immunisations and vaccinations that may be required.
In Summary
- Assess your travel insurance needs
- Shop around by comparing policies
- Read the fine print
- Disclose any pre-existing medical conditions
- Have fun and enjoy your holiday
