Travel Insurance for over 70s

Over 70 and considering travelling? Here's what you need to know and some tips for buying travel insurance for over 70s.

Couple enjoying Travel Insurance for Over 70s

The importance of travel Insurance for over 70’s

Multiple research studies have shown that happiness follows a U-shaped curve over the lifespan, with a dip in midlife and an increase in later years, including the 70s. This phenomenon has been observed in studies conducted across different countries and cultures.

After living more than seven decades, people get less upset about problems that they know from experience will pass. Seventy-somethings understand that life moves quickly and they must make the most of opportunities to create special memories. This decade is the ideal time to enjoy travel that they may have put off for years, if not decades.

Favourite travel destinations for Australians over 70’s

The top international favorites include:

Many travellers in their 70’s appreciate the convenience and safety of group tours, which handle all logistics and provide knowledgeable guides.

The top domestic destination locations include:

Over 70’s people travel to go on holiday just as much as they do to visit family. Partners make frequent companions for married or otherwise coupled Australians. Adult children, siblings of a similar or younger age, and groups of friends in the same age range like to travel together as well.

The importance of travel insurance for over 70’s

Smart Traveller advises that reciprocal health agreements are no substitute for travel insurance for over 70s. Travellers in their 70’s tend to have specific needs and considerations when choosing travel insurance. Here are some key factors they typically look for:

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 travel insurance for over 70’s policies.

Options to purchase cover for pre-existing medical conditions is crucial, as many travellers in their 70’s have ongoing health issues.

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.

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.

Prescription medication coverage

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

24/7 Emergency assistance services

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

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.

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.

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.

Reputable travel insurance for over 70’s provider

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

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.

Cover types for over 70s

Depending on the plan you choose, we will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only.


Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.


Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.


Covers you, your spouse or partner, and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.

Terms, conditions, limits and exclusions apply; refer to the Product Disclosure Statement to learn more about our Cover Types.

Optional cover for over 70s

For an additional premium, you may be eligible to add one or more of the following optional covers to Comprehensive, Multi-Trip and Domestic plans*.


Snow Pack

Going to the snow? You may be eligible to add a Snow Pack to be covered for snow sport activities including amateur skiing, snowboarding, sledding, tobogganing or tubing. Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more.*


Cruise Pack

Going sea or ocean cruising? Add a Cruise Pack to be covered for medical costs on board, ship to shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more.*


Adventure Pack

Doing adventure activities? You may be eligible to add an Adventure Pack to your plan to be covered for a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling and much more.*


Increased Item Limits Cover

Taking higher-value items? To increase the item limit for higher-value items, add Increased Item Limits Cover to your plan, so your item is covered for its value, should it be stolen, lost or damaged. *

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details. The Target Market Determination is available at

Contact Us

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.


 To make a new claim or to check the status of an existing claim, head to our claims portal.

24/7 emergency assistance

Call emergency services immediately if your condition is life threatening. Call us as soon as you can on

 Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.