Choose your Senior’s Travel Insurance policy
InsureandGo Australia offers different levels of cover for seniors. Simply select the trip type that best describes your journey.
Levels of cover
| |
Bare Essentials |
Silver |
Gold |
| Domestic Single Trip |
Trip cancellation cover included. Cover for Personal Belongings and Baggage. |
Trip cancellation & interruption included. Travel delay included. Higher luggage limits. |
Higher cancellation & interruption limits. Travel delay included. Highest luggage limits. |
| International Single Trip |
Overseas medical & hospital expenses included. Medical repatriation included. Trip cancellation cover included. Cover for Additional Emergency expenses. |
Overseas medical & hospital expenses included. Medical repatriation included. Trip cancellation & interruption included. Travel delay included. Higher luggage limits. |
Overseas medical & hospital expenses included. Medical repatriation included. Higher cancellation & interruption limits. Travel delay included. Highest luggage limits. |
| Annual Multi-Trip |
Unlimited overseas medical & hospital expenses included. Medical evacuation included. Trip cancellation cover up to $10,000. No travel delay cover. |
Unlimited overseas medical & hospital expenses included. Medical evacuation included. Trip cancellation up to $15,000. Travel delay included. Higher luggage limits. |
Unlimited overseas medical & hospital expenses included. Medical evacuation included. Unlimited cancellation & interruption cover. Travel delay included. Highest luggage limits. |
| Cruise Insurance |
Overseas medical & hospital expenses, including onboard medical expenses, included. Medical repatriation included. Trip cancellation cover included. Cover for Additional Emergency Expenses. |
Overseas medical & hospital expenses included. Medical repatriation included. Trip cancellation & additional emergency expenses included. Travel delay included. Higher luggage limits. |
Overseas medical & hospital expenses included. Medical repatriation included. Higher cancellation & additional emergency expenses limits. Travel delay included. Highest luggage limits. |
Why choose InsureandGo Australia for your trip?
InsureandGo Australia offers flexible, award-winning insurance cover, designed to suit different travel plans and stages of life.
Cover available up to 100 years of age
InsureandGo Australia offers cover for travellers up to 100 years of age for Single Trip and Annual Multi-Trip Travel Insurance, depending on the level selected. Bare Essentials is available to travellers aged 79 years or under at the date of application, while Silver and Gold policies are available to travellers aged up to 100 years at the date of application.
Coverage for pre-existing medical conditions
Pre-existing medical conditions are considered for cover (subject to assessment and acceptance) on Single-Trip, Cruise and Annual Multi-Trip policies. To determine whether your condition can be covered, you’ll need to complete a medical assessment during the application process, either online or over the phone. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the
PDS for full details.
Award-winning seniors travel insurance
InsureandGo Australia has been recognised across multiple travel insurance categories. We’ve received the WeMoney Award for Best for Seniors Travel Insurance, been named Trusted Brand – Travel Insurance by Finder and are consistently recognised by Canstar for our travel cover.
24/7 emergency assistance
All policies include access to a 24/7 global assistance team. InsureandGo Australia is backed by Europ Assistance, with access to more than 750,000 assistance providers across over 190 countries. You can call us any time on +61 2 9333 3999 (reverse charge).
Insurance Cover Designed for Seniors
InsureandGo Australia’s policies include protection for the things that matter most when you travel - from medical treatment to cancellations and lost belongings. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.
Medical and hospital expenses cover
Our International Single Trip, Annual Multi-Trip and Cruise policies include unlimited overseas medical and hospital expenses§ for unexpected illness or injury.
We don’t offer cover for medical expenses of any type on our Domestic Travel Insurance policies, as Medicare or private health insurers cover medical expenses in Australia. However, some Domestic policies may include limited benefits for permanent disablement or accidental death. These benefits are available under the Domestic Silver and Gold policy levels.
Covid-19 expenses cover
Cover is available for certain COVID-19 related events, including cancellation or trip disruption and overseas medical expenses outside Australia, subject to sub-limits, terms, conditions, and exclusions which may apply. Please refer to the
PDS for full details.
Trip cancellation and interruption cover
If your trip is cancelled or cut short due to a covered event, such as unexpected illness, injury or death, you may be covered for non-refundable costs and reasonable additional travel expenses, up to the limits shown in the Table of Benefits. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the
PDS for full details.
Lost, stolen, or delayed luggage cover
If your belongings are permanently lost, stolen or damaged during your trip, you can claim up to the limits shown in the Table of Benefits. Cover may also include delayed baggage, passports and limited cover for personal money, depending on your policy. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the
PDS for full details.
Personal liability coverage
If you accidentally injure someone or damage their property while travelling, personal liability cover may apply. Gold policies provide up to $5 million in cover on Annual Multi-Trip and Cruise policies, and international Single-Trip policies. Our Gold Domestic Single-Trip policies provide cover up to $1.5 million. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the
PDS for full details.
Upgrades & add-ons
You can tailor your cover with optional upgrades to suit your trip. Activities Plus covers for higher-risk activities, Natural Disaster Cover for certain weather-related events, or Winter Sports Cover if you’re heading to the snow. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the
PDS for full details.
Coverage for pre-existing medical conditions
As you get older, pre-existing medical conditions become an important part of choosing the right travel insurance. InsureandGo Australia considers all pre-existing medical conditions for cover (subject to assessment and acceptance).
What is a pre-existing medical condition?
A pre-existing medical condition is any condition for which you’ve received medical advice, treatment or medication in the last two years. If the condition was diagnosed more than two years ago but you’re still receiving advice, treatment, medication or follow-ups, it’s still considered a pre-existing medical condition. Refer to the Product Disclosure Statement (PDS) for the full definition.
How do I apply for cover for pre-existing medical conditions?
If you have a pre-existing medical condition, you can apply for cover when purchasing your policy by completing a medical questionnaire. Once assessed, we’ll let you know whether cover can be offered for the conditions declared. To cover these conditions, you may be asked to pay an additional premium. We don't provide cover for pre-existing medical conditions unless they are declared, accepted by us and any required premium to cover those conditions is paid.
Simple medical questionnaire
The medical questionnaire can be completed online or over the phone during your application. You don’t need to provide a medical certificate upfront – simply answer the questions accurately so we can assess your cover. You’ll receive an outcome before finalising your policy, so you can decide if the cover offered suits you.
Travelling with grandchildren
Taking the grandkids on holiday? Whether it’s a beach break in Australia, a cruise or an overseas adventure, InsureandGo Australia can help you look at travel insurance options for travelling together.
If your grandchildren are under 18 and travelling with you, they can be included on your policy during the quote process, at no additional premium§.
Get Travel Insurance in minutes
You can purchase InsureandGo Australia travel insurance online quickly and securely.
Prefer to speak to someone? You can also buy your policy over the phone by calling +612 7201 9532.
Select your trip type, destination, travel dates and who will be travelling.
Review the inclusions and coverage amounts, then select the level of cover that suits your trip.
3. Review excess and optional upgrades
Choose your excess and add any optional cover you may need, such as Winter Sports, Activities Plus or Natural Disaster Cover.
Enter the policyholder’s information and declare any pre-existing medical conditions so we can assess your cover.
5. Review, accept and pay
Check your quote, accept the declaration and complete payment. If you’re not ready to purchase, we can email your quote to you. Your quote will be valid for 30 days, provided the travellers’ ages don’t change before purchase.
Please note: if a promotional code was applied, it must still be valid at the time of purchase. If not, the quote will revert to the full premium.
Get a Quote Now!
