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Travel Insurance for Over 65s
Please read the Target Market Determination and Product Disclosure Statement
- Cover for over 1300 different pre-existing medical conditions
- Up to unlimited emergency medical expenses cover available
- No upper age limit
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What is Travel Insurance for over 65s?
Over 65s Travel Insurance is specialist cover designed for travellers over the age of 65. It provides financial support for certain events that may occur when travelling domestically or overseas.
With the right cover, you can receive financial support to manage unexpected costs that come with trip cancellation, flight delays and unexpected medical costs. This financial cover is essential for peace of mind on your holiday.
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 65s travel insurance important?
Over 65s Travel Insurance is a key component of any successful holiday at this age. Beyond the age of 65, you have an increased chance of living with pre-existing medical conditions. 80% of Australians in this age group have at least one selected chronic health condition.
If you need emergency care for these conditions overseas, you could face significant expenses if you don’t have comprehensive cover.
With the right Travel Insurance cover, you'll have the support you need to avoid financial hardship if you have a medical emergency or injury in another country.
Over 65s Travel Insurance provides peace of mind, with cover for other incidents that might arise on your journey. For example, if you have to cancel your trip or lose luggage.
Travel insurance helps over 65s travel to their heart's content with confidence.
Why choose AllClear for over 65s Travel Insurance?
AllClear provides seniors Travel Insurance for over 65s that allows you to fulfil your bucket list dreams. We provide comprehensive cover for seniors with no maximum age limit and an array of optional benefits. Get the policy you need for your adventure.
Some of the top reasons to choose AllClear for your Travel Insurance are:
- There is no upper age limit on our cover.
- We provide cover for over 1300 pre-existing medical conditions.
- Up to unlimited medical emergency expenses cover and a 24/7 medical emergency assistance helpline.
- Since 2000, we’ve helped cover over 3.5M travellers worldwide, travelling to destinations all around the globe.
- 94% of customers rate us as ‘Great’ or ‘Excellent’¹.
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 Travel Insurance for over 65s cover?
With AllClear Travel Insurance, you're covered for a wide range of events that may affect your travels.
What's covered?
Cover for the costs of tests, medications and procedures needed to treat illnesses or injuries while you're travelling. You're also covered for the costs of repatriation to bring you safely back home.
If an unexpected event means you have to cancel your trip before it begins, you'll be covered for flight and accommodation costs.
If an emergency means that you need to return home early, you'll be covered.
Compensation for extra costs incurred for flight delays.
Cover for stolen or lost baggage and belongings.
Cover for legal costs to claim compensation for incidents that occur during your trip.
Our travel insurance policies have no upper age limit.
What’s not covered?
For most claims, you aren't covered for the travel insurance excess (the first part of any claim).
When you purchase a policy, you'll select a region of designated cover. If an incident occurs outside this region, you won't be covered for it.
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.
When purchasing your travel insurance, you must declare all of your pre-existing conditions to be fully covered. We aren't able to provide cover for conditions you don't declare.
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 over 65s
We offer a number of over 65s Travel Insurance policies, making it easy to find the right cover for you.
Annual Multi-trip Travel Insurance
Have several trips planned in the next 12 months? With an annual multi-trip policy, you can be covered for an unlimited number of trips in that period.
Single Trip Travel Insurance
Get cover for a single trip, from the date you leave to the day you return.
Tailored over 65s Travel Insurance for every holiday
Our policies can be tailored to your unique needs.
Pre-existing Medical Conditions
We offer cover for over 1300 pre-existing medical conditions.
Cruise Travel Insurance
Get cover for cabin confinement, missed ports, and more.
Seniors Travel Insurance
Our Travel Insurance for seniors has no upper age limit.
Over 65s Travel Insurance for pre-existing medical conditions
With cover for over 1300 pre-existing medical conditions, AllClear provides the travel insurance over 65s need for a secure holiday. Our cover provides support if you experience an emergency related to a covered pre-existing medical condition.
When you buy Travel Insurance, you're able to declare your pre-existing medical conditions through our straightforward screening process. This can be completed online or over the phone.
Some major conditions we cover are:
Travelling companion cancellation cover
Travelling with company? We can also provide cover for your travelling companions. If you are unable to travel or your trip ends early due to a covered medical incident, we can cover your companion's expenses as well.
This includes:
- Lost deposits for unused accommodation, flights, or excursions, if you are forced to cancel before departure because of a pre-existing medical condition.
- Remaining trip costs if they need to cut their trip short due to your medical situation.
Whether you rely on a companion for assistance or they're just a travel buddy, you can plan with travel with total confidence thanks to AllClear.
Cover for emergency medical expenses
Overseas medical emergencies have the potential to cause serious financial strain. With emergency medical expenses cover for AllClear, you can explore without worrying if things go wrong.
In addition to cover for pre-existing medical conditions, you're also covered for injuries you may have during your travels.
For example, if you're injured in a motor vehicle accident, or while participating in a covered activity, you can receive financial support. We also offer cover for repatriation or evacuation costs you incur. You also have access to a 24/7 emergency medical helpline which you can use at any time.
For more information on our medical treatment cover and exclusions, please refer to our product disclosure statement.
How much does Travel Insurance for over 65s cost?
The cost of over 65s Travel Insurance is based on a range of factors, including:
- Pre-existing medical conditions: Your answers on the medical screening questions will help determine your premium.
- Trip length: Longer trips can increase premiums.
- Destinations: Travelling to different countries may increase the price of your cover.
- Type of cover: Optional extras may also add to your policy price.
Get a quote online in just a few minutes or call our team to find out how much over 65s Travel Insurance will cost for you.
Get your Travel Insurance quote
Travel with confidence
Cruise Travel Insurance for over 65s
Cruises are a wonderful holiday for over 65s. Specialised cruise cover is a valuable addition to your holiday to ensure you have peace of mind.
With AllClear's Cruise Travel Insurance, you'll get the following cover in addition to the standard cover:
- Cabin confinement cover if you need to stay in your room due to illness.
- Missed port cover if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
Travel tips for over 65s
Here are some useful tips to help your travels run smoothly:
- Travel Insurance: Get your travel insurance early so you're protected from unexpected costs. Make sure you have comprehensive cover, including cover for pre-existing medical conditions.
- Medication and medical equipment: Carefully pack all the medication and medical equipment you'll need for the duration of your trip. Consult your doctor before heading out to make sure you're fully prepared.
- Choose your destination carefully: If you live with any mobility limitations, carefully consider your travel destinations. Prioritise locations that can accommodate your needs.
- Over 65s discounts: As an over 65s traveller, look out for seniors discounts on tours and accommodation. You could save a significant amount on your travels.
Great travel destinations for over 65s
Here are some top picks for over 65s travellers to explore:
- New Zealand: New Zealand is just a short flight across the Tasman away. It's home to astonishing natural beauty and relaxed cities like Queenstown and Christchurch.
- Japan: Japan is safe, clean and has an excellent transportation system. It's everything you could hope for from an over 65s holiday.
- Australia: Why not stay close to home and explore the Land Down Under? Hopping in a car and going on a road trip could lead to some of your best ever travel memories.
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 Travel Insurance advice from our team
"Travel insurance is important at any age, but it can be especially crucial for over 65s. If you live with pre-existing medical conditions, travel insurance can provide valuable medical cover. It also provides vital cover for events like flight delays and trip cancellation.
AllClear Travel Insurance is a great choice for senior travellers to consider. With no upper age limit and cover for over 1300 pre-existing conditions, it can provide crucial peace of mind for over 65s."
What our customers say
"I am 65 years old and I have some general heart issues. Other insurers wouldn't even consider me. The premium charged is fair (even less than the quote from our Travel agent without the medical conditions). This cover appears to be excellent and very reasonably priced. I find other insurers to be very ageist and not willing to give older travellers with quite normal medical conditions a chance. Thank you AllClear Travel Insurance."
see full reviewFAQs
Is there an upper age limit on AllClear Travel Insurance policies?
There is no upper age limit on AllClear Travel Insurance policies. No matter your age, you can explore the world with confidence.
Does over 65s Travel Insurance cover rental vehicle insurance excess?
AllClear Travel Insurance covers rental vehicle excess if your rental vehicle is involved in a motor vehicle accident while you are driving. It also provides cover for incidents where your vehicle is damaged or stolen while in your custody.
Rules around rental vehicle insurance excess can vary significantly from one insurer to another. Check your policy statement so you know exactly what you're covered for.
Do you need Travel Insurance if you’re over 65?
Travel insurance is generally not a legal requirement. However, it plays an important role in a fun and relaxing holiday. With cover for trip cancellation, overseas hospital expenses, rental vehicle insurance excess and more, travel insurance can make all the difference on your next adventure.
Is Single Trip or Annual Multi Trip Travel Insurance right for you?
If you only have one trip planned for the coming year, single trip Travel Insurance is the best option for you. You'll be covered for your journey from the day you leave until the day you return home.
If you have multiple trips planned in a 12-month period, annual multi-trip Travel Insurance may be a better option. You can save yourself the hassle of purchasing multiple single trip policies, and you may save money with a multi-trip option as well.
What does Travel Insurance not cover?
Over 65s Travel Insurance typically doesn't cover things like:
- Travel to places with government travel warnings.
- Reckless behaviour.
- Claims relating to events you knew about before buying your policy.
Refer to our product disclosure statement and your policy statement so you know exactly what you're covered for.
When should you get Travel Insurance?
You should purchase travel insurance as early as you can after booking your trip. This ensures that you're covered for cancellations resulting from unexpected events before you depart. Just make sure you have an understanding of the specifics of your itinerary so you can get the exact cover you need.
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.