Seniors Travel Insurance

Time to start planning that dream overseas holiday, or perhaps visit the grandkids? 1Cover offers affordable and reliable travel insurance for the young at heart.

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"Excellent Service"
— Lynda Mar 07, 2017

Seniors Travel Insurance Benefits

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 baby boomers travel insurance we've got you covered. Depending on your age, we may require a little more information from you to apply for the cover and some exclusions may apply. We have a quick and simple online pre-existing medical application process to help you get covered in minutes! Anyone 80 years or over will also  be required to submit a Medical Declaration Form.

Unlimited Medical

Unlimited Medical

We offer unlimited medical cover for all senior travellers under 80. This means you can explore the world with total peace of mind.

Unlimited Trips In One Year

Long-Trip Cover

Take that trip of a lifetime with total peace of mind. 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 your plans change or something is cancelled, you've got unlimited cover for cancellation fees or lost deposits incurred.

Rental Vehicle Excess

Rental Car Excess 

Don't get ripped off by rental car companies. If you hire a car and it's stolen, damaged or in an accident, we'll cover the excess up to $5,000.

Grandkids Go Free

Kids & Grandkids Cost No Extra On Your Policy 

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

Luggage & Personal Car Excess 

You've got $15,000 worth of cover for luggage and personal items like cameras, phones, and clothes, so you can travel with all your favourite things.

Travel On One Policy

Travel On the Same Policy

You can travel on the same policy as your partner, your friends, a family member. In fact,
up to 25 people can travel on the one policy. 

Three Policies To Choose From

Customise Your  Policy

  • 1Cover has several types of policy levels to suit different needs and budgets, as well as add-ons that allow you to tailor your policy to your holiday. 

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The One Thing You Need When One Thing Goes Wrong

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

$1,000

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

 

Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise? Stay safe and ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. Fantastic benefits tailored to an ocean, river cruise holiday overseas or in Australian waters. See PDS for full details.

Winter Sports Pack

Winter Sports Pack

If you're hitting the slopes to ski during your holiday you'll need to add the Winter Sports Pack to your policy to ensure you're covered. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.

Rental Car Cover

Additional Rental Vehicle Excess

Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees. Going touring and hiring a campervan or car? The excess charged by rental companies for these vehicles can be very high. Don't get ripped off by the hire company's expensive car hire excess policy.

 

Get a quote

 

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 more expenses on top of 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 on 0800 000 333.

  • 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 Cruise region. This add-on is available with 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 must extend your policy before it expires (11.59pm NZST/NZDT). 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(s) 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, or 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 prior to the relevant time; or Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; 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 relevant time; or Any condition for which you have undergone surgery in the past 12 months; or Pregnancy that is not automatically covered by the Pregnancy section of the PDS. Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed. Relevant time in respect of: Single trip policies means the time of issue of the policy. Frequent Traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last. This above definition applies to you, your travelling companion, and a relative or any other person.
     
    We treat pre existing medical condition(s) in one of two ways: Automatically covered; Medical Assessment.  Any medical or physical condition, defect, disease or illness including any mental illness, of which you were aware or should reasonably have been aware, or 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 prior to the relevant time; or Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; 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 relevant time; or Any condition for which you have undergone surgery in the past 12 months; or Pregnancy that is not automatically covered by the Pregnancy section of the PDS. Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed. Relevant time in respect of: Single trip policies means the time of issue of the policy. Frequent Traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last. This above definition applies to you, your travelling companion, and a relative or any other person.
     
    We treat pre existing medical condition(s) in one of two ways: Automatically covered; Medical Assessment. 

  • What Pre-Existing Medical Conditions Cannot Be Covered?
  • We regret that we if you have any of the excluded pre-existing medical conditions listed below, you have no cover under the following sections of the policy and you cannot apply for cover for them:
    Overseas Emergency Medical Assistance
    Overseas Emergency Medical & Hospital Expenses (Including Dental Expenses)
    Additional Accommodation & Travel Expense
    Emergency Companion Cover  
    Hospital Cash Allowance
    Cancellation Fees & Lost Deposits Section
    Disruption of Journey

    The excluded pre-existing medical conditions are:
    a) you have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
    b) you require home oxygen therapy or will require oxygen for the journey (including in flight);
    c) you have chronic renal failure treated by haemodialysis or peritoneal dialysis;
    d) you have an AIDS defining illness or any condition or treatment causing you immunosuppression;
    e) or you have had, or are on a waiting list for an organ transplant.

  • 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.
    Cruises: 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.
    Travellers on domestic cruises in Australian waters may also purchase a Comprehensive plan (selecting Australia Cruise region) to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses, additional accommodation and travel expenses, family emergency, emergency companion cover and cancellation fees and lost deposits..

  • 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 MORE FAQS

 

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Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Trusted By 1.5 Million People

We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you. 

24/7 Emergency Assistance

You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.

 Kids Are Covered For No Extra Cost 

Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy. 

Local Call
Centre

Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.

Rental Vehicle
Excess

Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000. 

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 367 729

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