A Guide to Seniors Travel Insurance: What You Need to Know

In the post COVID world, Australian seniors are again embracing travelling domestically and internationally like no seniors’ generations before. Reasons include:

1. Increased longevity and better health

Advances in healthcare and better living standards have increased life expectancy, allowing seniors to remain active and healthy longer.

And more seniors are maintaining good health into their later years, enabling them to travel more comfortably and safely.

2. Financial stability

Many seniors have saved diligently throughout their working lives and have pensions or retirement funds that provide the financial means to travel. With children grown and mortgages paid off, many seniors find themselves with more disposable income to spend on travel.

3. More free time

Retirement offers seniors more free time to pursue travel without the constraints of a work schedule. Without the need to adhere to school schedules or work commitments, seniors can travel during off-peak times, often finding better deals and fewer crowds.

4. Desire for new experiences

Many seniors have a list of destinations they’ve always wanted to visit and see retirement as the perfect time to fulfill these dreams. A desire to learn about different cultures, history, and geography motivates many seniors to travel.

5. Family and social connections

With family members living in different cities or countries, travel is often necessary to visit children, grandchildren, or other relatives. Traveling with friends or as part of a senior group or tour can be a socially enriching experience.

6. Technological advancements

The internet and travel apps make it easier for seniors to plan and book their trips, find travel deals, and navigate unfamiliar places. Portable medical devices and access to telemedicine ensure that seniors can manage health concerns while traveling.

7. Improved travel services

Many travel companies offer senior discounts, accessible travel options, and tours tailored to the interests and needs of older travellers. Cruises and organised tours, which are popular among seniors, provide structured environments with medical assistance readily available.

8. Psychological benefits

Traveling can provide mental stimulation and help keep the mind active, which is beneficial for cognitive health. The joy and satisfaction derived from exploring new places can improve overall well-being and happiness.


Specific considerations when choosing seniors travel insurance

Smart Traveller advises that reciprocal health agreements are no substitute for seniors travel insurance. Seniors tend to have specific needs and considerations when choosing travel insurance. Here are some key factors seniors typically look for:

1. Comprehensive medical coverage

Seniors need to ensure they have adequate coverage for medical emergencies, hospital stays, and doctor visits. Many travel insurance providers offer unlimited medical cover and emergency evacuation on Comprehensive Seniors Travel Insurance policies.

Options to purchsase cover for pre-existing medical conditions is crucial, as many seniors have ongoing health issues.

2. Age considerations

Customers need to be aware that some seniors travel insurance policies are age capped. Boomers Travel Insurance offers Domestic and Comprehensive Plans with no age caps.

3. Trip cancellation and interruption coverage

Policies that cover cancellations for a variety of reasons, such as illness, injury, or family emergencies. Compensation for trip interruptions due to unforeseen circumstances, ensuring they don’t lose their investment.

4. Prescription medication coverage

Coverage for the cost of prescription medications that may be needed during the trip.

5. 24/7 Emergency assistance services

Access to 24/7 assistance services for medical and travel emergencies, including help with finding local healthcare facilities.

6. Flexibility and ease of use

Policies that can be tailored to individual needs, including increased cover for selected items as well as specific activities.

A straightforward and reliable claims process is important to ensure they can access benefits when needed.

7. Coverage for travel delays and lost luggage

Compensation for expenses incurred due to travel delays as well as coverage for lost, stolen, or damaged baggage and personal items.

8. Affordable premiums

Finding a balance between comprehensive coverage and affordable premiums is important for those on a fixed income. Buying seniors travel insurance through an intermediary such as a travel agent can sometimes be more expensive that purchasing travel insurance online.

10. Reputable seniors travel insurance provider

Choosing a provider with a good reputation and positive customer reviews for reliability and quality service and claims payment.

11. Policy Exclusions

Reading the Policy Disclosure Statement carefully to be aware of what is and isn’t covered by the policy to avoid surprises during claims.

A Guide to Seniors Travel Insurance

Travelling soon and need cover? Get a free seniors travel insurance quote

About US
Boomers Travel Insurance provides travel insurance for the ever-increasing numbers of mature age Australians travelling domestically and internationally. In partnership with Allianz Global Assistance, our travel insurance features no age caps for our Comprehensive Plans for domestic and international travel, easy application to cover existing medical conditions online or over the phone, and 24/7 emergency assistance wherever you may be in the world.*

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details.

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Customer Support

If you need help while travelling, Australia-based case managers are here for you 24/7, with registered nurses and doctors available for overseas policies.

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