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 limits of NZ 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 |
SINGLE TRIP POLICY AGE LIMITS |
ANNUAL POLICY AGE LIMITS |
ANNUAL POLICY TRIP DURATION LIMITS |
| 1Cover | Under 80 (over 80's with completed medical declaration form) | Under 65 | 90 days |
| Amex | Under 81 | Under 66 | 37 days for leisure 90 days for business |
| Columbus Direct | Unde 85 | Under 85 | 60 days |
| Countdown | No limit | N/A | N/A |
| Covermore | Under 85 | Under 75 | 60 days |
| DU Insure | Under 80 (over 80's with completed medical declaration form) | Under 66 | 37 days for leisure 90 days for business |
| New Zealand Post | Under 66 | N/A | N/A |
| NZ Travel Insurance | Under 100 (premier policy only for travellers over 70) | Under 71 | 60 days |
| SCTI | No limit | N/A | N/A |
| State | Under 85 | Under 75 | 60 days |
| Travel Insurance Direct | Under 81 | Under 76 | 38 days for leisure 90 days for business |
| TINZ | Under 80 (over 80's with completed medical declaration form) | Under 65 | 90 days |
| Webjet | Under 76 | Under 76 |
37 days for leisure |
| World Nomads | Under 70 | N/A | N/A |
NOTE: This does not refer to age restrictions in regards to family members.
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 $85 upwards for their comprehensive travel insurance policy, a 60 year old can expect to pay $90 upwards, a 70 year old can expect to pay $94 upwards and those over 80 years the cheapest comprehensive policy starts at $250.
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. Frequent travellers - save by purchasing an annual policy rather than buying an individual one each time.
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.
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