Seniors Travel Insurance

Seniors Travel Insurance

At 1Cover we want to provide safe travel for everyone, regardless of age. 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.  

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.

Additional Coverage

Further Reading