Compare Seniors Travel Insurance New Zealand

You can compare and purchase seniors travel insurance policies on Compare Travel Insurance beyond the age of 100, though some individual insurers do apply their own age limits that may be lower than this.  As you get older, you may also find that the range of policies available to you narrows, or that certain exclusions apply. Our seniors travel insurance age limits guide provides a detailed breakdown of the age limits applied by each insurer on our panel.

Most insurers maintain a list of conditions that are automatically covered at no additional cost – commonly including asthma, cataracts, certain types of diabetes, and hypertension – without requiring a medical assessment or declaration form. If you have a condition not on the automatic cover list, you may still be able to obtain cover by completing an online medical screening assessment, though an additional premium may apply. The availability of cover for more serious or recent conditions will depend on the insurer and the specific circumstances.

Generally, yes. Insurance premiums are calculated based on risk, and the claims history of older traveller age groups tends to be higher, which is reflected in premium pricing. However, premiums can vary significantly between insurers, which is why comparing multiple quotes is particularly important for senior travellers. And a higher premium does not necessarily mean better cover, so it’s worth evaluating both the price and the scope of cover when making your decision.

No, you do not need a medical certificate or assessment to purchase a seniors travel insurance policy. However, without completing a medical assessment for your pre-existing conditions, those conditions will not be covered under your policy. Most insurers offer online medical screening that can be completed quickly and easily at the time of purchase, so it’s strongly recommended that you declare all relevant conditions upfront to ensure you have the cover you need.

Yes, wheelchairs and mobility aids are covered under most mid-range and comprehensive seniors travel insurance policies (subject to standard exclusions and single item limits). But if your wheelchair or mobility equipment is of high value, it’s worth checking whether the standard item limit is sufficient and notifying your insurer if additional cover is required. It’s also important to note that if an airline is liable for damage to your wheelchair or mobility equipment, travel insurance will not provide a duplicate reimbursement for the same loss.

Some insurers automatically include dependent grandchildren travelling with you at no extra cost, provided they are under the specified age limit, not in full-time employment, and listed on the policy. Age limits and eligibility conditions vary between insurers, so it’s worth checking the specific terms of any policy you’re considering. Additional terms and conditions may apply, so always refer to the Policy Wording for your insurer’s full definition of a dependant.