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
1Cover BUY	Certain Underwriters of Lloyds	No age limit	Under 65	Go To Insurer
Amex BUY	Chubb Insurance New Zealand Ltd	Under 90	Under 70	Go To Insurer
Columbus Direct BUY	Certain Underwriters of Lloyds	Under 85	Under 70	Go To Insurer
Cover-more	Zurich New Zealand	Under 85	Under 74
DUinsure BUY	Certain Underwriters of Lloyds	Under 60	Under 60	Go To Insurer
NZ Travel Insurance BUY	Allianz Australia Insurance Ltd	Under 100	Under 71	Go To Insurer
Southern Cross Travel Insurance	Southern Cross	No age limit	No age limit
State Travel Insurance	Zurich New Zealand	Under 75	Under 70
TINZ BUY	Certain Underwriters of Lloyds	No age limit	Under 65	Go To Insurer
Travel Insurance Direct	Certain Underwriters of Lloyds	Under 81	Under 76
Webjet BUY	Allianz Australia Insurance Ltd	No age limit	Under 75	Go To Insurer
Zoom Travel Insurance BUY	Certain Underwriters of Lloyds	Un der 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 comparetravelinsurance.co.nz. 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.