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Seniors travel insurance guide

Looking for senior’s travel insurance? We’ll clear up the grey areas!

As with most kinds of general and personal insurance policies, age and current health status are important factors in determining the rate you are going to pay for travellers insurance.

The older you get, the higher the perceived risk of injury and ailments. But there's no need to get grey hairs over organizing your seniors travel insurance. Our online comparison tool makes it easy to compare insurance policies offered by various companies to make sure you receive a great deal regardless of your age.

Does age matter?

Being over 60 can bring many perks, but finding inexpensive comprehensive travel insurance easily isn’t one of them!

Many insurers increase their prices (due to higher risks) once you reach the ripe age of 60. But it's easy to find an affordable deal with us! Our seniors comparison allows you to compare a host of reputable insurers with policies for travellers aged 50 to 110. Just enter the ages of each adult person travelling to compare available policies and quotes.

Here's the age limits of New Zealand's most popular insurers. NOTE: This does not refer to age restrictions in regards to family members! The following table explains at what age you can purchase a policy up until.


 Insurer Single trip age limits Multi trip age limits Underwriter
1Cover No age limit Under 64 Certain Underwriters at Lloyds
AA Travel Under 70 Under 70 Allianz Australia Insurance Limited
American Express Under 80 Under 65 Allianz Australia Insurance Limited
Columbus Direct Under 84 Under 69 Certain Underwriters at Lloyds
Covermore Under 84 Under 79 Zurich New Zealand
DUinsure No age limit Under 65 Allianz Australia Insurance Limited
Hot of Travel Under 70 N/A Allianz Australia Insurance Limited
NZ Travel Insurance Under 71 Under 70 Allianz Australia Insurance Limited
Southern Cross No age limit No age limit Southern Cross
State No age limit No age limit IAG Insurance limited
TID Under 81 Under 75 Certain Underwriters at Lloyds
Tower Under 65 Under 65 Tower Insurance limited
The Warehouse No age limit   IAG Insurance limited
Worldcare Under 70 Under 70 Allianz Australia Insurance Limited
Webjet 75 75 Allianz Australia Insurance Limited


What type of policy should I buy?

There are 3 main levels of cover to choose from:

  • Basic (or medical cover only) is no-frills travel insurance that covers you for the most important thing on your holiday – your health.  Basics policies provide 24/7 emergency assistance; cover for overseas medical expenses; and sometimes, personal liability too.
  • Mid-range cover for the essentials and some!  Mid-range cover is suited for the budget conscious who have prepaid flights and accommodation and are going overseas to stay with friends or relatives. In addition to medical cover, you’ll usually get cancellation cover and decent cover for luggage and personal belongings.
  • Comprehensive cover is the (Grand) Daddy. Comprehensive travel insurance provides the highest level of cover suitable for those seeking maximum peace of mind for their trip. Check out the standard inclusions below.

Different travellers need different levels of cover. Choose a level of cover that best suits the type of holiday and activities you have planned. Choosing the cheap and cheerful option might mean you miss out on vital cover.

Frequent traveller?

Now you're retired, you've got all the time in the world to explore. If you do tend to go away more than twice a year you should consider an annual multi-trip policy. This covers you for a whole year for as many trips as you want to take, and you don't need to tell your insurer! Be sure to check the age limits (above or in your policy documents) as these are often lower than a standard single trip policy.

Pre-existing medical conditions

Once you find a policy that meets your needs, be sure to read the company's fine print and their PDS to verify age coverage and coverage for any pre-existing medical conditions. Some insurers impose health restrictions on their policies that can only be covered by filling in additional documentation; and an additional premium may apply.

Remember that the great deal you thought you were getting can go bad quickly if age and health disclosures are not made in advance of purchasing a policy. Alternately, you may find yourself without coverage just when you need it the most if you failed to disclose disqualifying information at the time of the underwriting.

Take the grandkids away for free!

Did you know most policies cover dependant children and grandchildren for free?

Most policies will cover them so long as they’re under 21, not in full time employment and named on your policy. Make sure you check the PDS for the details, including the number of grandchildren that can be covered.

Love to cruise?

Even if you're cruising local coastal waters, once your ship has left port, you are no longer covered for hospital or medical expenses by New Zealand Accident Compensation Corporation (ACC) or Australian Medicare. So make sure you pick a Pacific policy before you head out to sea! Aye Aye captain!

Knowledge is power!

Let us help you arm yourself with all the information you will need to make an educated decision about your senior travel insurance.

Compare seniors travel insurance today save time, worry and loads of money! We help you find a great range of policies for 'mature people' that don't apply age restrictions.


Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!


Ask Eugene travel insurance geek extraordinaire anything

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