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Travel Insurance for Over 60s
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit on our policies
- Cover for over 1300 pre-existing medical conditions
- Up to unlimited emergency medical expenses cover
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What is over 60s Travel Insurance?
Over 60 travel insurance is a specialist type of travel insurance cover designed to meet the unique needs of older travellers. It helps protect you against problems like unexpected medical treatment, trip cancellations and lost luggage while you're travelling.
At AllClear, we believe travel is for everyone. Our seniors Travel Insurance policies are tailored for you to explore the world after 60. Our policies offer flexible benefits and cover for over 1300 pre-existing medical conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Why is over 60s Travel Insurance important?
To ensure you can fully enjoy travel over the age of 60, you need to be properly prepared. Medical care abroad can be expensive, necessitating travel insurance.
Having the right over 60s travel insurance can protect you against unexpected costs like hospital expenses, medical repatriation, lost luggage and cancelled flights.
For peace of mind, AllClear covers over 1300 pre-existing medical conditions. This helps you travel knowing you’re protected if your health needs extra attention while abroad.
Why choose AllClear for over 60s Travel Insurance?
At AllClear, our mission is to help as many people as possible explore with confidence. Here are reasons to choose AllClear for your over 60s Travel Insurance:
- No upper age limit on our cover.
- Covers for over 1300 pre-existing medical conditions
- Up to unlimited emergency medical expenses cover.
- We offer a 24/7 emergency medical helpline.
- 94% of customers rate us as ‘Great’ or ‘Excellent’¹.
- Trusted to help cover more than 3.5 million travellers worldwide since 2000.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear’s over 60s Travel Insurance cover?
Whether you’re planning a domestic holiday, a European adventure or a cruise, our cover can be tailored to suit your trip and personal circumstances.
What's covered?
Medical cover for doctor visits, tests, hospital stays and medications if you need medical care abroad. We also provide cover for repatriation to bring you safely back home.
Cover for flight and accommodation costs if you have to cancel your trip due to a covered event.
Cover for emergencies that mean you have to return home early.
Compensation for extra costs incurred due to flight delays.
Financial protection if your baggage or valuables are lost, damaged, or stolen.
Cover for legal expenses to claim compensation for an incident that occurred while travelling.
There is no upper age limit on our Travel Insurance cover, allowing you to explore the world no matter your age.
What’s not covered?
For most claims, you won’t be covered by travel insurance excess.
When you purchase a policy, you'll select a region of designated cover. You won’t be covered for incidents that occur outside of this region.
You won't be covered for a travel insurance claim if it relates to events or issues you knew about before buying your insurance, or booking any individual trip.
We are not able to provide cover for known health concerns if you don’t declare them.
You’re only covered if a trip is cancelled for reasons outlined in the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
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How to find the best travel insurance for seniors over 60
Finding the best over 60 travel insurance starts with matching your policy to your travel style. We have a range of policies to help you choose the right fit for you:
Annual Multi-trip Travel Insurance
This policy is ideal if you’re taking several trips in one year. One policy covers unlimited trips in a single year, potentially saving you time and money.
Single Trip Travel Insurance
Single trip Travel Insurance is perfect if you have one holiday planned. You'll get great value protection for the duration of your single trip.
Tailored over 60s Travel Insurance for every holiday
No two holidays are the same, and neither are travel insurance needs. At AllClear, we help you customise your policy with specialist options like:
Pre-existing Medical Conditions
We cover over 1300 conditions, from diabetes to heart disease.
Cruise Travel Insurance
Extra protection for your cruise holidays, including cover for cabin confinement and missed ports.
Seniors Travel Insurance
No upper age limits and flexible options designed with senior travellers in mind.
Destinations covered by over 60s Travel Insurance
Whether you're jetting off across the world or exploring your own backyard, AllClear has you covered. Our policies include cover for:
Over 60s Travel Insurance for pre-existing medical conditions
Pre-existing health conditions shouldn't hold you back from ticking off your travel bucket list. At AllClear, we specialise in travel insurance for seniors that covers a wide range of pre-existing conditions.
Our Travel Insurance allows you to travel with peace of mind, knowing you’re protected if your health needs attention during your journey.
When you purchase your policy, you’ll complete a quick online medical assessment or carry out a medical screening with one of our friendly team members over the phone. This makes it easy to declare any existing health conditions and make sure you have the right insurance cover.
We cover over 1300 medical conditions, including:
Travelling companion cancellation cover
We know your adventures often involve friends or family members. That’s why AllClear also protects your travel companions. If you cannot travel or need to cut your trip short due to a medical complication, we can help cover their trip expenses, too.
Our companion cover includes:
- Lost deposits for unused accommodation, flights, or excursions if you need to cancel before departure because of a pre-existing medical condition.
- Remaining trip costs if your companion must cut their journey short because of your medical condition.
This extra support means you and your travel companions can plan your holiday with greater security and fewer worries.
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Cover for medical emergency expenses
Medical emergencies can happen at any age, but senior travellers should take extra care when heading abroad. Even minor incidents can result in costly medical care when you're away from home.
AllClear’s over 60 travel insurance offers comprehensive cover for overseas medical expenses, including:
- Hospital stays and hospital expenses.
- Emergency medical treatment.
- Specialist consultations and treatment.
- Prescription medications.
We also offer emergency assistance through our 24/7 helpline, connecting you with urgent help anywhere in the world. If you need to be transported back to Australia due to medical reasons, our insurance policy can cover repatriation costs, too.
Having the right medical cover means you can travel with less worry about sky-high medical bills. For more information on our medical treatment cover, please see our product disclosure statement.
How much does over 60s Travel Insurance cost?
The cost of over 60 travel insurance depends on a few factors, including:
- Trip duration: Longer trips usually cost more because the risk period is extended.
- Destination: Certain destinations carry higher premiums than others.
- Pre-existing medical conditions: Your pre-existing medical conditions may also result in higher premiums.
- Type of insurance cover: Optional extras you purchase can adjust your final premium.
Get an online quote in just a few minutes or call our team toll-free for help.
Cruise Travel Insurance for over 60s
Cruises are a popular choice for many senior travellers, offering a relaxing way to explore new destinations. But once you're at sea, unexpected issues can quickly become costly.
That’s why AllClear offers Cruise Travel Insurance designed for travellers over 60. With our comprehensive travel insurance policy, you'll be covered for:
- Cabin confinement costs if you need to stay in your cabin due to illness.
- Missed port cover if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
Whether you’re cruising around Australia, Asia or further afield, cruise cover gives you peace of mind and financial protection if your plans go off course.
Travel tips for over 60s
Heading off on an overseas trip after 60? Here are some simple travel tips to help you enjoy every moment:
- Travel insurance: Purchase travel insurance early to protect against cancellations or unexpected health issues.
- Medical equipment: Pack medications and medical equipment carefully, ensuring you have everything required for a safe trip.
- Luggage choices: Rely on lightweight luggage that's easy to lift and manoeuvre for a comfortable journey.
- Senior tours: Consider curated senior tours. These are designed with accessibility, pace and comfort in mind, making them a great option for over 60s travellers.
- Accessibility: Plan for your accessibility requirements at airports and other locations. Choose hotels and activities that will offer you the most comfort.
Great travel destinations for over 60s
Choosing the right destination can make all the difference for a relaxing and memorable trip. Here are some top picks for Australian seniors:
- Italy: From the gentle canals of Venice to the stunning hills of Tuscany, Italy offers world-class culture, food, and easy-paced sightseeing.
- New Zealand: Just a short trip across the Tasman, New Zealand is an outstanding choice for travellers over 60, with relaxing, scenic locations to explore.
- Japan: Japan is safe, clean, and full of fascinating traditions. The transport system is excellent, making it easy to explore.
- Australia: Domestic trips are a wonderful option for seniors. From the Great Barrier Reef to Uluru, there's plenty to see close to home.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert seniors Travel Insurance advice from our team
"Travelling after 60 is about making lifelong memories, and the right travel insurance makes that journey smoother and safer. AllClear specialises in Travel Insurance options tailored for seniors.
With a 24/7 emergency medical helpline and up to unlimited medical emergency cover, AllClear’s team of experts is well-positioned to help over 60s find the right Travel Insurance policy."
What our customers say
“What made my experience great was dealing with Francis who was a friendly rep and seemed confident in his approach. Which made me feel at ease.”
see full reviewFAQs
How does Travel Insurance work?
Travel insurance helps to protect you financially against unexpected events while you’re away. It can provide cover for medical expenses, cancellations, lost luggage and more. If an incident occurs that’s covered by your policy, you can make a claim to help recover your costs.
Is there an upper age limit on AllClear travel insurance policies?
AllClear has no upper age limit on our policies. We specialise in offering comprehensive travel insurance that supports you at every stage of life.
Does over 60s Travel Insurance cover rental vehicle insurance excess?
Yes. If you hire a car during your trip, AllClear’s Travel Insurance cover can offer cover for rental vehicle insurance excess if the car is damaged or stolen while in your custody.
Policy conditions will vary from one insurer to another, so be sure to consult your policy statement to see what you’re covered for.
How can you get a good deal on Travel Insurance?
You can get better value on your travel insurance by ensuring you have the right level of cover for you, keep an eye out for deals and discounts, and consider bundling your insurance. However, make sure you don’t travel overseas with insufficient cover just to save money.
What does Travel Insurance not cover?
Travel insurance generally does not cover things like:
- Undeclared pre-existing medical conditions.
- Trip cancellations due to a change of mind.
- Events you knew about before purchasing your policy.
You should always refer to the product disclosure statement of your chosen policy so you know exactly what you’re covered for.
What if you're going on multiple trips in a single year?
If you have big travel plans ahead, an annual multi-trip policy might be more suitable for you. AllClear’s annual multi-trip Travel Insurance provides cover for unlimited trips across 12 months. This can save you time and money compared to buying single policies for each trip.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
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1. Based on 1,718 Trustpilot responses as of March 2025.