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Seniors travel insurance faqs

What age does travel insurance provide cover until?

Many insurers do not have age limits on travel insurance. You can get seniors travel insurance cover right up until age 130! If you can travel at 130…we’re impressed! However, the older you get, you’ll find more exclusions that might apply to your policy. Learn more in our ultimate guide to seniors travel insurance.

What are the typical benefits of a seniors travel insurance policy?

  • Dozens of pre-existing medical conditions covered free automatically
  • Cover for a range of other pre-existing medical conditions once a medical assessment has been completed
  • Children travel for free (under 21) when they travel with grandparent (or parent) for 100% of the journey
  • 24/7 emergency medical assistance
  • Unlimited overseas medical expenses
  • Loss of luggage
  • Cancellation
  • Replacement of money
  • Personal liability

Are my grandchildren covered under my policy?

Yes, your grandchildren (under 21) are covered for free under your seniors travel insurance policy.

What is a pre-existing medical condition?

An ongoing medical or dental condition which you are aware of, or have symptoms of. A condition you are currently seeking medical treatment for, or have previously been treated for, by a medical professional. A condition you are taking medicine for currently or you’ve had surgery for, in the past 12 months. Note: pre-existing medical conditions apply not only to the person who buys the travel insurance policy, but also your travelling companion or close relative.

What medical conditions are covered?

High blood pressure, osteoporosis, incontinence, diabetes (with restrictions) and hernia are typical covered conditions. Always check your insurers Product Disclosure Statement to see what conditions they cover.

Is travel insurance more expensive for senior travellers?

All insurance premiums are calculated based on your risk, so your age compared to the past claims history of your age group will determine how much your travel insurance will cost. As there does tend to be more claims for senior travellers, premiums do tend to be a little higher.

Do I need a medical certificate to buy seniors travel insurance?

It’s not compulsory to get a medical assessment to buy seniors cover, but you are not likely to get cover for serious conditions without doing so.

Are wheelchairs covered by travel insurance?

Yes, depending on how much your wheelchair is worth in value. Some insurers have limits on how much they will cover for personal items. If you use an expensive electric powered chair for everyday use you should consider insuring it on your home and contents insurance.

Use comparetravelinsurance.co.nz today to compare seniors travel insurance quotes today!

 

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