Trip Details

Trip Details

One-trip ?

Please, note we are currently not offering Cruise, Annual Multi-trip or Backpacker policies. Check the website regularly for further updates

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One Trip

A single return journey, from 3 to 365 days, that starts in Australia.

Domestic One-Trip Travel Insurance does not cover any medical and evacuation expenses incurred in Australia or whilst travelling on a cruise domestically or internationally. Therefore, if you are going on a cruise and would like to be covered for onboard medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance.

Please note we are currently not offering Cruise or Annual Multi-Trip Policies

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Cruise

A single return journey, from 3-365 days that starts in Australia and where the trip also includes travel on ships or other sea vessels.

Cruise option covers you for the land, air AND CRUISE part of your journey so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship.

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AMT

A 365 day policy that provides cover for multiple trips starting in Australia.

There are 3 options for maximum duration per trip, 30,45 and 60.

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Backpackers

One trip departing from and returning to Australia, for up to a maximum of 540 days.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

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Destination Information

Excluded destinations:


InsureandGo will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.


Included destinations:


Pacific:


The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand)


Worldwide exc USA:


If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.


Worldwide inc USA:


If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America and Antarctica.


Asia:


South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas


South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam


East Asia: China, South Korea, Hong Kong, Japan, Taiwan


Domestic: Australia, Norfolk Island


Cruise Specific Destinations

Domestic Cruise:


Domestic cruises within Australian Territorial waters, or international waters, providing you do not stop at any international port. If you want to travel around Australia before your cruise departs, you will need to buy two separate policies, a Domestic single trip policy for the duration of your trip before boarding and a cruise trip policy for your cruise. (If you select the Domestic cruise policy your baggage will only by covered for a maximum of 72 hours before boarding)


(The Domestic cruise policy also provides cover for stopovers in Australian ports up to 48 hours)


Domestic, NZ and Pacific Cruise:


Cruises that include any Pacific destination and docks at any Australian port after departure (Including final port).


Asia and Domestic


Cruises that include any Asia destination and docks at any Australian port after departure (Including final port).


Please note:


  • If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.
  • If you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica, then you should select the Worldwide Including Travel Plan.
  • If you select the Domestic Cruise, Pacific and Domestic or the Asia and Domestic travel destination we will cover Medical and Evacuation expenses. With Medical expenses we mean expenses incurred on board relating to medical illness or injury assistance. We will also cover the repatriation or evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury. This benefit does not apply to any medical treatment provided on Australian inland or whilst the ship is tied up in an Australian port. All other benefits included in your policy provide cover whilst your ship is docked in an Australian port for a maximum of 48 hours.
  • If you select a cruise option, there is no cover for Section L (Rental Vehicle Excess Waiver) whilst your ship is in an Australian port.
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Group types

Select whether you would like to purchase an insurance policy for an "Individual(s)" (which includes a group of individuals travelling together) or a "Couple or Family" policy (which is for couples or relatives travelling together). All travellers on a "Couple or Family" policy must be departing and returning to Australia together.

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Age

We are referring to the traveller’s age when you are buying this policy (Not when travelling). Please note all policy options are available between 50-100. Maximum trip durations vary depending on your age.

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Info

Sorry we can't give you quote online if one of the travellers is aged over 100

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Info

First traveller has to be aged over 18

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Please indicate traveller's ages

First traveller has to be aged over 18

Seniors Travel Insurance

Here at InsureandGo, a multiple award winning travel insurance company, we provide travel insurance for seniors with competitive rates. Our seniors travel insurance products start from just $29*.

Our friendly and knowledgeable team is here to answer any questions you may have, and travel knowing that you are backed by an expansive 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance. Europ Assistance has a global presence in more than 200 countries, with a network of more than 750,000 assistance providers averaging 10 million assistance interventions every year. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

Get the most out of your holiday whether you’re caravanning around Australia or flying overseas. Our products have been CANSTAR awarded in 2013, 2014, 2015 and 2019. We recently received “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

Why Travel With Us as a Senior?

Cover up to 100 years of age

Unlimited overseas medical expenses

All pre-existing conditions considered

Seniors Travel Insurance from just $29*

No upfront medical certificates required upon application

Quick and easy online claims process

 Selecting a Seniors Travel Insurance Policy

Offering policies for domestic, single-trip international, annual multi-trip international, and cruise travel, you can be assured to find the right product for your next holiday. We provide coverage for seniors up to 100 years of age. This affordable and quality cover has made us perfect for seniors over 65.

There is no need to search for a specific Seniors policy. Simply select the trip type that best describes your journey in the quote box above when you request your instant quote. You’ll be presented with 3 levels of cover including bare essentials (available to 79 years and under), silver, and gold (both available to 100 years and under). You can then compare the products and their quotes.

Pre-Existing Medical Conditions:

InsureandGo strives to offer the best possible comprehensive coverage possible; therefore we consider all pre-existing medical conditions without any up-front medical certificates. A pre-existing medical condition is any condition for which you have received medical advice, treatment, or medication in the last five years.

Our policies cover many pre-existing conditions, some at no extra surcharge. To see if we can cover yours, please complete our medical assessment online at 4th step of quote journey or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

To obtain a quote online, simply fill in the quote box above, which will allow you to compare our products and quotes. Before submitting your payment details, you have the option to declare all medical conditions online; this will only take you a few minutes. You will be able to save your quote for when you’re ready to purchase as all quotes are valid for 30 days. Note that selecting our Gold Level Coverage option will provide you with unlimited cancellation.

Travelling with grandchildren:

Spend more time with your grandchildren without spending any extra for your insurance. In addition to covering all your needs, your policy^ will cover any grandchildren (under 18yrs) travelling with you for free.

 

Most Common Questions

1. What is the maximum age you can insure up to?

If you are aged 100 or under you may purchase your travel insurance from us. The levels of cover available and maximum trip duration that we will offer cover for will vary depending on your age.

3. Do you cover pre-existing medical conditions?

Yes, we consider all pre-existing medical conditions in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

5. If cover is refused for my pre-existing medical condition, am I still covered for my trip?

If, subject to our medical questionnaire, we are unable to cover your pre-existing medical conditions, we will only exclude any claims directly/indirectly relating to those conditions. Please keep in mind that you are still insured medically for a new condition that may unexpectedly arise overseas as well as accidental injuries and illnesses.

2. Is there a Senior’s travel insurance policy I need to purchase?

No. Simply select the trip type that best describes your journey.

4. I have an elderly parent, am I covered if I have to cancel my trip due to something happening to my parents?

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseen accident, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time, and this cover does not include any cover for pre-existing medical condition of non-travelling relatives.

6. Do you cover flight delays after departure?

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

* Price derived from a cruise trip of 5 days, Individual, age 60, to New Zealand and Pacific Region. Cover for pre-existing medical may require an extra premium.