Seniors Travel Insurance

Time to start planning that dream overseas holiday? Get quality travel insurance for the young at heart. 

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"Excellent Service"
— Lynda Mar 07, 2018

Seniors Travel Insurance Benefits

Whether you're looking for travel insurance for over 50s, over 65s, or baby boomers travel insurance, we offer travel insurance for all ages. Depending on your age, we may require a little more information from you to apply for the cover and some exclusions may apply. But all it takes is a quick and simple online pre-existing medical application process to help you get covered in minutes! 

Note: If you need a policy for multiple trips a year, see our annual frequent traveller page.

Unlimited Medical

Unlimited Medical

Travel with total peace of mind.We offer unlimited medical cover for all travellers under 80. See the PDS for details. 

Unlimited Trips In One Year

Long-Trip Cover
 

Take that trip of a lifetime you've been waiting for. We offer cover for trips up to 12 months long. Adventurers aged 80+ can get cover for trips up to six months long.  

Unlimited Cancellation

Unlimited Cancellation

If the unexpected happens and plans change, you've got unlimited cover for cancellation fees or lost deposits.

Rental Vehicle Excess

Rental Car Excess 

Don't get ripped off. Hire a rental car and we'll cover the excess up to $5,000 if the car is stolen, damaged or in an accident.

Grandkids Go Free

Grandkids Covered For No Extra

  • Travelling with your grandkids? They’re covered for no extra cost. We only charge you for each adult on your policy.
  •  
Luggage & Personal Effects Cover

Luggage & Personal Car Excess 

You'll enjoy $15,000 worth of cover for your luggage and personal belongings in case mishaps happen while you're away. 

Travel On One Policy

Travel On the Same Policy

You can travel on the same policy as your family, friends, or tour group. In fact, up to 25 people can go on the one policy - with one set of paperwork. 

Three Policies To Choose From

Customise Your  Policy

  • With several policy levels and add-ons available for Cruise and Ski, you can tailor your policy to suit you. .

Table of Benefits - Seniors Travel Insurance

Explore our table of benefits below to see the policy benefits provided by our overseas travel insurance policies. To see full details, see the PDS or get your instant 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

Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in New Zealand.
# Limits are per policy regardless of persons the claim relates to.

 

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Optional Coverage

Cruise Pack

Cruise Pack 

If you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details

Winter Sports Pack

Winter Sports Pack

If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS 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 have the option of increasing this cover to $8,000. 

Read More

 

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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

 

FAQs About Seniors Travel Insurance

  • What Are The Benefits Of Having Travel Insurance For My Trip? 
  • When you travel it's all about the new and unknown which unfortunately means you never know what could go wrong. Things like medical emergencies while overseas could cost $50,000+, and then there's lost luggage, stolen belongings and delayed flights which are add expense to an already costly holiday.

    Travel is unpredictable and travel insurance is there to help provide you peace of mind that when the unexpected happens, we'll be there to help out. We advise you to read the Product Disclosure Statement to make sure this product is right for you. If you have any questions please call our friendly call centre

  • I'm Going On A Cruise Around New Zealand, What Travel Insurance Do I Need?
  • Once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by Public health care or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by Public or private health when you’re on land for cruise excursions.  

    However, you can purchase a Cruise Pack to cover you when you’re on a cruise. 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.

  • Do i need to tell you all the countries i’m going to on a cruise?
  • If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.

  • Can I Apply To Extend My Travel Insurance Policy?
  • Yes. You must extend your policy before it expires (11.59pm NZST). To extend your policy, you simply need to call the call centre on 0800 000 333, email us at [email protected] or speak to a call centre representative via online chat. One of our trained travel insurance specialists will assist you in 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 condtions page for more information. 

  • What Pre-Existing Medical Conditions Cannot Be Covered?
  • Essentially, if a medical condition 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, or 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 when you’re buying your policy. 

  • If I Am Having A Stopover Outside My Selected Country Will I Be Covered?
  • When you apply for the policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination/s. The policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.

    NB. We’ll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.

  • 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.

 

READ ALL FAQS

 

 

Where are you Going?


Find out everything you need to know about travel insurance for the following destinations:
 

 

Do you need to know About...

Medical Questions

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

Worldwide Travel Insurance

Travelling around the world and want to make sure you’re covered? Then take a look at this page to buy a Worldwide travel insurance policy.

Travel Alerts

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. You’ll find information on world events/disasters that might affect your travel insurance policy. 

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? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims

0800 468 220

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Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm