Please select at least 1 country or destination.
Please select a valid departure and return date.
Please input traveller age(s) from 0 to 120.

Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.

Seniors Travel Insurance Age Limits

If you’re over 60 finding reasonably priced seniors travel insurance can be tricky, however this doesn’t mean you should compromise on cover!

What Age Can I Buy Travel Insurance Until?

Age restrictions vary from insurer to insurer. You might also find limits on the levels of cover available to elderly travellers too. 

Unfortunately finding this information can be quite time consuming as many insurers don't make their conditions or eligibility of cover very clear.

Well aren’t you the lucky ones, we’ve done all the hard work for you. Check out our table below which lets you compare the age restrictions from 12 Kiwi insurers all in one place. Yippee!

There are plenty of insurers that offer cover to the young at heart traveller with no age restrictions at all :)

Who Offers Travel Insurance To Senior TravellerS?

Insurer Underwriter
Single Trip Age Limits

Annual Policy Age Limits
Buy Now
Certain Underwriters of Lloyds No age limit Under 65 Go To Insurer
Chubb Insurance New Zealand Ltd Under 90 Under 70 Go To Insurer
Certain Underwriters of Lloyds Under 85 Under 70 Go To Insurer
Zurich New Zealand Under 85 Under 74  
Certain Underwriters of Lloyds Under 60 Under 60 Go To Insurer
Allianz Australia Insurance Ltd Under 100 Under 71 Go To Insurer
Southern Cross No age limit No age limit  
Zurich New Zealand Under 75 Under 70  
Certain Underwriters of Lloyds No age limit Under 65 Go To Insurer
Certain Underwriters of Lloyds Under 81 Under 76  
Allianz Australia Insurance Ltd No age limit Under 75 Go To Insurer
Certain Underwriters of Lloyds Under 86 Under 70 Go To Insurer

NOTE: This does not refer to age restrictions in regards to family members. 

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Age Loadings

Irrespective of how active you are, many insurers add significant age loadings to policies and may limit the levels of cover that are available to elderly travellers. So even if you’re a young at heart traveller you might find your travel insurance is quoted based on age bands, rather than personal circumstances.

For example, for a 2 week trip to Europe a 50 year old can expect to pay $75 upwards for their comprehensive travel insurance policy, a 60 year old can expect to pay $85 upwards, a 70 year old can expect to pay $140 upwards and those over 80 years the cheapest comprehensive policy starts at $260.

Frequent Traveller?

Now you're retired you've got more time to travel. If you tend to go away more than twice a year you should definitely consider an annual-multi trip policy. Annual policies cover you for all trips you make in a 12 month period - internationally and domestically. In a lot of cases annual multi trip policies tend to have lower age limits than single trip policies. You should also remember to check the limits on the maximum trip length as these tend to vary anything from 15 days to 90 days per trip. 

Compare And Save On Your Seniors Policy

A great way to compare the different prices and levels of cover available is to use a comparison website like Just enter the destination, dates of travel and ages of travellers and you can compare seniors travel insurance for all types of trips. See what kind of deal you can find yourself today.

For more help in choosing which is the right policy for you. Check out our ultimate guide to seniors travel insurance. It explains what's included and what's not in your average policy, and more info about pre-existing medical conditions.

Trending Tips And Guides


Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

 Read more
seniors travel insurance guide

Cover for cruises

Don't rock the boat baby! It’s important to get travel insurance to cover you out at sea. Our handy guide helps you get the best cover from ship to shore. 

Read more
seniors travel insurance guide

Seniors travel insurance guide

One of the greatest things about getting older is the freedom to travel and explore. But before jet-setting across the globe to visit the grandkids or long lost friends, it is important to get the right travel insurance cover.

 Read more
Loading Quotes

Loading Quotes...