Seniors Travel Insurance

Now that the kids have flown the nest it's time to start planning that dream holiday. Wherever you are headed make sure you have cover you can count on


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Seniors Travel Insurance

At 1Cover we want to provide safe travel for everyone, regardless of age. Whether you're looking for travel insurance for over 50s, over 65s or any other age, we've got you covered. That's why we offer travel insurance no matter what age you are. Depending on your age, we may require a little more information from you to apply for travel insurance and some exclusions may apply. Anyone 80 years or over will be required to submit a Medical Declaration Form. 

Features & Benefits

  • Total peace of mind. Whether you're travelling the world or exploring New Zealand, there's a cover to suit you. Travel easy knowing we're just a phone call away. 

  • Planning a long break? No worries! We offer comprehensive cover for overseas trips that are up to 12 months long. Adventurers aged 80+ can get cover for trips up to six months long.

  • Unlimited medical cover. We offer unlimited medical cover for all travellers under 80.

  • Pre-existing medical condition? We offer automatic cover for 35 pre-existing conditions.

  • Travelling with the grandkids? Great, dependants are covered at no additional cost.


Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.



FAQs About Seniors Travel Insurance

  • What Is A Pre-Existing Medical Condition?
  • A pre-existing medical condition is:
    - Any medical or physical condition, defect, disease or illness including any mental illness of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days before the certificate of insurance was issued; or
    - Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the issue of the certificate of insurance; or
    - Any surgery which you have undergone in the past 12 months; or
    - Pregnancy
    - Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed

  • What Pre-Existing Medical Conditions Cannot Be Covered?
  • There is no cover for medical expenses, cancellation costs or additional expenses if the following circumstances apply:
    1. you have been given a terminal prognosis for any condition with a life expectancy of under 24 months
    2. you require home oxygen therapy or you will require oxygen for the Journey
    3. you have Chronic Renal Failure treated by haemodialysis or peritoneal dialysis
    4. you have been diagnosed with Congestive Heart Failure
    5. you have an AIDS-defining illness or any condition associated with immune compromise
    6. you have had, or are on a waiting list for an organ transplant
    If any of these apply to you, cover under the following Sections is excluded:
    -- Section 1: Overseas Emergency Medical Assistance
    -- Section 2: Overseas Emergency Medical & Hospital Expenses
    (including Dental expenses)
    -- Section 3: Additional Expenses (applies to We will pay a] & b] only)
    -- Section 5: Emergency Companion Cover
    -- Section 7: Hospital Cash Allowance
    -- Section 16: Cancellation Fees and Lost Deposits
    -- Section 17: Disruption of Journey
    This means that we will not pay:
    • your medical expenses whatsoever (regardless of whether the Sickness/Injury relates to the excluded circumstance)
    • your evacuation or repatriation to New Zealand. 
    • your trip cancellation or rearrangement costs
    • any additional or out of pocket expenses (including additional travel and accommodation expenses).

  • I'm Going On A Cruise Around New Zealand, What Travel Insurance Do I Need?
  • Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the New Zealand region. This is available with all Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more. 

  • Can I Apply To Extend My Travel Insurance Policy?
  •  Yes, you simply need to call us on 0800 000 333, email us at [email protected] or speak to us via online chat. You must extend your policy before it expires (11.59PM NZST). One of our travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. You'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available.

  • 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.


Full list of FAQs


Table of Benefits - Seniors Travel Insurance

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies.

Policy Benefit Comprehensive



Overseas Emergency Medical Assistance


Overseas Emergency Medical & Hospital Expenses


Includes Dental Expenses (per adult)


Resumption Of Journey


Hospital Cash Allowance


Accidental Death


Permanent Disability


Loss of Income




Credit Card Fraud & Replacement


Includes Travel Documents & Traveller's Cheques


Theft Of Cash


Luggage & Personal Effects


Luggage & Personal Effects Delay Expenses




Additional Accommodation & Travel Expenses


Includes Family Emergency


Includes Emergency Companion Cover


Cancellation Fees & Lost Deposits


Disruption Of Journey


Alternative Transport Expenses




Personal Liability

$5 million

Domestic Pets


Domestic Services


Rental Vehicle Insurance Excess




Additional Coverage

Winter Sports

Winter Sports Pack

Cover for participating in winter sports activities including emergency rescue, piste closure, snow ski equipment hire and more.

Cruise Pack

Cruise Pack

Cruise related cover including emergency and medical, pre-paid shore excursion cancellation, missed cruise departure, formal attire cover and more. 

Cruise Pack

Additional Rental Vehicle Excess

Choose to increase your rental vehicle excess cover up to $8,000. 


Further Reading

Got the travel bug? Travel often for business? Or maybe you've got far-away family you love to visit? Check out our single traveller advice and tips.

Single Traveller Advice

Are you a frequent traveller? You could save money with our Annual Multi Trip policy. Get covered for an unlimited number of 90 day trips for a whole year.

Annual Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Long Term Insurance

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.

What Is Covered




Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.


Local Call Centre

Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.