🌍 Over 60s & Seniors

Travel Insurance for Seniors & Over 60s

Cover up to 100 years old. All pre-existing conditions considered — no upfront medical certificates required. Tell us what your trip involves and we'll show you what matters.

What does your trip involve?

Select all that apply — we'll show you what to know

Step 1 of 2

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Cover up to 100 years old All pre-existing conditions considered Grandchildren under 18 free^{^} 21-day cooling-off period No upfront medical certificates

Choose your level of cover

Three plans for every senior traveller

All plans consider pre-existing conditions · 24/7 global emergency assistance · Read the PDS§

Bare Essentials

Unlimited overseas medical expenses
Emergency expenses & evacuation
Personal liability cover
Baggage & travel documents
Cover up to 79 years of age

Cover at every age of retirement

InsureandGo covers Australian senior travellers across all age groups. Silver and Gold policies cover up to 100 years. Bare Essentials and Cruise up to 79.

60s

Early retirement

All three plan levels available. Most comprehensive window for pre-existing condition cover.

70s

Active seniors

Silver & Gold fully available. Consider declaring all conditions for fullest cover.

80s

Experienced travellers

Silver & Gold available up to 100 years. Online or phone medical assessment required for conditions.

90+

Senior adventurers

Silver & Gold cover up to 100 years of age. Speak to our team: 1300 401 177.

Why InsureandGo

Built for Australian senior travellers

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All pre-existing conditions considered

No upfront medical certificates. Complete a short online or phone medical assessment during the quote process. Some conditions are covered at no extra surcharge.

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24/7 global emergency assistance

Backed by Europ Assistance — 750,000+ providers across 200+ countries. Medical supervision, hospital coordination and evacuation covered around the clock.

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Grandchildren travel free^{^}

Children under 18 are covered at no additional cost when travelling with a grandparent on eligible policies. Subject to standard policy terms.

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Canstar Outstanding Value — Seniors (3 years running)

Recognised by Canstar for Outstanding Value – Seniors Travel Insurance for the third consecutive year. Also awarded by WeMoney, Finder and Mozo in 2025.

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21-day cooling-off period

Changed your mind? Cancel within 21 days of purchase for a full refund, provided you haven't made a claim and your departure date hasn't passed.

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Quotes valid for 30 days

Save your quote and come back when you're ready. All quotes are valid for 30 days so you can take your time to compare and decide.

Key policy benefits

What your seniors policy covers

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Unlimited overseas medical expenses

Medicare stops at the border. InsureandGo covers hospital, surgery and doctor costs with no cap on all three plan levels. Includes medical evacuation back to Australia.

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Trip cancellation & disruption

From $10,000 (Bare) to unlimited (Gold). Covers illness, injury, death of a relative, natural disaster and more. Resumption of journey included on Silver & Gold.

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Cruise-specific cover

Cabin confinement benefit, missed port departure, shore excursion cancellation and ship-to-shore medical evacuation. Select Cruise cover at the quote stage.

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Baggage & personal effects

Covers lost, stolen or damaged luggage including mobility aids and hearing devices. Declare high-value items for the best cover outcome.

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Pre-existing medical conditions

Complete the medical assessment in step 4 of the online quote, or call 1300 401 177. If a condition can't be covered, all other conditions remain covered.

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Personal liability

Cover if you're held legally liable for accidental injury to a third party or damage to their property while travelling. Limits vary by plan level.

Common questions

Seniors travel insurance — answered

What is the maximum age InsureandGo will cover? ▾

Silver and Gold international policies cover travellers up to 100 years of age. Bare Essentials and Cruise policies cover up to 79 years. Domestic policies cover up to 100 years on Silver and Gold.

Do I need to buy a special "seniors policy"? ▾

No. Simply select the trip type that matches your travel — single trip, annual multi-trip, cruise or domestic. InsureandGo's standard policies cover seniors without requiring a separate product.

How do pre-existing medical conditions work? ▾

InsureandGo considers all pre-existing medical conditions — no upfront medical certificates required. Complete the online medical assessment at step 4 of your quote, or over the phone. A pre-existing condition is any diagnosed condition for which you've received advice, treatment or medication in the last 5 years. Some conditions are covered at no extra surcharge. If a condition can't be covered, your policy still applies for all other conditions.

Are my grandchildren covered on my policy? ▾

Yes. Children under 18 travelling with a grandparent are covered at no additional cost on eligible policies, provided they're named on the Policy Schedule and financially dependent on their grandparent. Standard policy terms apply. Any pre-existing medical conditions for grandchildren may incur an additional charge.

What happens if my pre-existing condition can't be covered? ▾

If InsureandGo can't cover a particular pre-existing condition following the medical assessment, that specific condition is excluded from cover. All other benefits — including medical cover for new conditions arising during travel, accidental injury, cancellation and baggage — remain in place.

Do you offer discounts for seniors or pensioners? ▾

InsureandGo offers discounts to members of Seniors Australia. If you're 64+ and hold a senior membership card, you may be entitled to a discount. Couples and families also receive a 10% discount when travelling together on the same policy.

Can I get cover for travel delays and disruptions? ▾

Yes, on Silver and Gold policies. If any leg of your trip is delayed by 12 or more hours, InsureandGo reimburses your reasonable additional meal and accommodation costs. Gold also includes unlimited trip cancellation cover before and after departure.

Can I cancel if I change my mind after purchasing? ▾

Yes. InsureandGo offers a 21-day cooling-off period. As long as you haven't made a claim and your departure date hasn't passed, you can cancel for a full refund.

^Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.

§This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as InsureandGo, holds a binding authority from MSI to issue contracts of insurance and to deal with or settle claims on MSI's behalf. The product information on this page is a brief summary only. For full details refer to the Combined Product Disclosure Statement, Policy Wording and Financial Services Guide available at insureandgo.com.au/policy-wordings/ and consider the PDS in light of your personal circumstances prior to making any decision to acquire the product. General information only — not personal financial advice.