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seniors Travel Insurance - get a quote

Loving travelling in your golden years? 1Cover seniors travel insurance policies cover travellers with no age limits, trip duration limits may apply. 

 

Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

The one thing you need when one thing goes wrong

No matter if you're 17 or 70, there are plenty of things that can go wrong when travelling. 1Cover seniors travel insurance policies cover people up to the age of 80. Trip duration limits may apply. Get cover for your pre-existing conditions, including Covid today.

 

why you need Seniors Travel Insurance

Unlimited Medical

Unlimited Medical

Our policies have no upper limit for medical treatment you may require on your holiday. 

Unlimited Trips In One Year

Long-Trip Cover
 

We offer cover for trips up to 12 months for travellers aged up to 65 years. A duration limit of 3 months applies for senior travellers aged 66+. 

Unlimited Cancellation

Unlimited Cancellation

Plans can change. 1Cover policies cover for your fees or lost deposits if you need to cancel your holiday due to a covered reason.

Grandkids Go Free

Cover for valuables

  • 1Cover policies cover your luggage and personal belongings should they get lost, damaged or stolen during your trip.

1Cover Customer Story

72-year old Te Ao Maaka was on her way to Bali International Airport for a flight home to New Zealand when she suffered a heart attack. She was taken to hospital but refused treatment by doctors until demands for payment by hospital staff were met. Thankfully, Te Ao Maaka had a seniors travel insurance policy with 1Cover. 

1Cover alleviated the stress of the situation by handling payments for medical assistance and making sure her family was by her side. Te Ao Maaka was in the hospital with family by her side for 13 days before being repatriated to New Zealand on a comfortable flight. Back home, she made a complete recovery from her heart attack. 

Watch Te Ao’s story to find out more.

 

Seniors Travel Insurance FAQS

  • What ages does senior travel insurance cover?
  • 1Cover policies have no age limits.

  • What If I'm Cruising?
  • Things like medical costs can really blow out on a cruise. Whether you’re going on a domestic cruise or an overseas cruise, a  Cruise Pack is required to be covered for anything that happens at sea. 

    You need to tell us about each country you’ll be visiting on your cruise to be covered for those countries. 

  • Do I need Travel Insurance for a Domestic Cruise?
  • Once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by the government's Health New Zealand agency or your private health care provider, meaning they won't cover any expenses incurred onboard the ship.

    If you want medical travel insurance on your cruise, you’ll need to purchase a Cruise Pack to cover you. If you’re taking a cruise within New Zealand waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "New Zealand Cruise" as the destination/region. You can find out more about choosing your cruise region here.

  • Can I Apply To Extend My Travel Insurance Policy?
  • Yes. You must extend your policy before it expires (11.59 pm NZST/ NZDT).  You can extend your policy online, email us at [email protected] or chat with one of our friendly consultants via online chat during business hours.

    If you have pre-existing medical conditions, one of our trained travel insurance specialists will assist you with the policy extension. You'll be issued with a quote for the policy extension period, and you'll need to process a payment for this extended period. Please note: there may be instances where a policy extension is not available.

  • What Is A Pre-Existing Medical Condition?
  • A pre-existing medical condition is a condition you have at the time of buying your medical condition. It may affect your travel insurance options. See our pre-existing medical conditions page for more information. 

  • What Pre-Existing Medical Conditions Cannot Be Covered?
  • If a medical condition is not automatically covered, it needs to be disclosed. This doesn’t necessarily mean it won’t be covered at all, but there may be certain conditions where you’ll need to pay a bit extra for your pre-existing condition to be covered. Alternatively, you may be able to get cover, but not for your pre-existing condition. You’ll find out when you take the short medical assessment during the purchase process. 

  • If I can’t get cover for my pre-existing medical condition, can I still buy a policy?
  • During the purchase process, you can fill out a short medical questionnaire which will tell you whether you’re covered or not.

    If your condition is not covered, you may still be able to purchase travel insurance that can cover you for events not related to your condition. If we can't cover your condition, it means that anyone under your policy would not be able to claim for any costs arising from, related to, or associated with, your pre-existing medical condition/s.

  • Am I covered for stopovers?
  • You need to include all destinations you're travelling to, apart from stopovers of less than two nights – except the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

  • Do seniors need domestic travel insurance?
  • Travelling around NZ? A Domestic policy covers for lost luggage, cancelled plans due to flight delays/cancellations, natural disasters, or other unforeseen circumstances, but it doesn’t cover for medical benefits due to the New Zealand heathcare system.

  • What if I’m a frequent traveller?
  • Annual multi-trip policies are available to those under 65 years of age.

READ ALL FAQS

 

 

Table of Benefits - Seniors Travel Insurance

1Cover offers a Medical Only travel insurance policy and a Comprehensive travel insurance policy for New Zealand seniors looking to travel overseas. Compare the benefits below, or see the full details in the Policy Wording. Refer to the Policy Wording for full details or get a quote now

Senior Travel Insurance Policy Benefit Comprehensive
(Single-Trip & Frequent Traveller)
Medical Only
(available for ages 74 and under)
MEDICAL
   

Overseas Emergency Medical Assistance^

Unlimited

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Unlimited

Includes Dental Expenses (per adult)^

$1,000

$500

Resumption Of Journey^*

$3,000

x

Hospital Cash Allowance^*

$5,000

x

Accidental Death*

$25,000

x

Permanent Disability^*

$25,000

x

Loss of Income^*

$10,400

x
LUGGAGE
   

Credit Card Fraud & Replacement^

$5,000

x

Includes Travel Documents & Traveller's Cheques^

Yes

x

Theft Of Cash^#

$250

x

Luggage & Personal Effects*

$15,000

x

Luggage & Personal Effects Delay Expenses^

$250

x
CANCELLATION
   

Additional Accommodation & Travel Expenses*

$50,000

x

Includes Family Emergency*

Yes

x

Includes Emergency Companion Cover*

Yes

x

Cancellation Fees & Lost Deposits*

Unlimited

x

Disruption Of Journey*

$2,000

x

Alternative Transport Expenses^

$5,000

x
ANCILLARY
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

x

Domestic Services^*

$500

x

Rental Vehicle Insurance Excess#*

$5,000

x

 

Get a quote

 

Domestic Cruising
 

If you're on a domestic cruise within Kiwi waters you are no longer covered for hospital or medical expenses by publicly funded healthcare or your private health care provider. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise. 

 

 

Customise your travel insurance

Cruise Pack

Cruise Pack 

If you’re taking a cruise, you need to add the Cruise Pack to your policy in order to be covered from ship to shore. See Policy Wording for full details.

Winter Sports Pack

Winter Sports Pack

If you’re hitting the slopes, you need to add the Winter Sports Pack in order to be covered for any ski or snowboarding activities. See Policy Wording for full details.

Rental Car Cover

Additional rental Vehicle Excess

Most of 1Cover’s policies protect you with up to $5,000 in rental vehicle excess cover. But you can increase your rental vehicle excess cover to $8,000. 

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

Travel tips for older travellers

Medical Questions

Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical-related questions here

Going on a cruise?

Then you’ll want to take a look at our cruising guide for seniors. Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.

Going On A Skiing Holiday?

Going on a Skiing Holiday? Going skiing in JapanNew ZealandAustraliaUSACanada, or Europe? Don’t book without reading this handy guide on where and when to go.

What travel insurance covers 

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not. 

 

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page