seniors Travel Insurance - get a quote

• 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