What does travel insurance for seniors cover?
Fast Cover offers travel insurance cover for seniors through a range of policies which are available to provide some cover under a range of benefits to help senior travellers deal with and take steps to be prepared for many unexpected and unforeseen circumstances during their trip.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Senior travellers can experience medical emergencies anywhere - even during holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts, our Emergency Assistance Team, are available to provide senior travellers with 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s International travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances.*
An unexpected trip to a hospital overseas is the last thing you might want on your seniors holiday, but it could be a reality for many senior travellers. If you’re struck with Bali Belly, break a bone in the US, or need emergency surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your travel insurance policy.*
Fast Cover’s International travel insurance policies are available to provide seniors travellers with protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas.*
If you’re a senior traveller and become seriously injured or sick during your overseas trip, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your travel insurance policy.*
In case you are seriously injured or sick while on your seniors trip overseas, Fast Cover’s International travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Need to cancel your seniors' trip? If you become unexpectedly sick or injured before your holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including cruises, flights, accommodation and tours in circumstances explained in your policy.*
At Fast Cover, you can take out travel insurance for your trip up to 12 months prior to your departure date, including before you’ve purchased your cruise tickets and booked your flights, tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies.*
Seniors holiday on pause? If you’re stuck at an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship - is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy.*
Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time.*
Lost, stolen or damaged luggage can turn a dream seniors' holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Fast Cover’s travel insurance cover for seniors includes the Luggage and Personal Effects benefit which may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or accidentally damaged during your seniors' holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
What does travel insurance for seniors cover?
Fast Cover offers travel insurance cover for seniors through a range of policies which are available to provide some cover under a range of benefits to help senior travellers deal with and take steps to be prepared for many unexpected and unforeseen circumstances during their trip.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Senior travellers can experience medical emergencies anywhere - even during holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts, our Emergency Assistance Team, are available to provide senior travellers with 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s International travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances.*
An unexpected trip to a hospital overseas is the last thing you might want on your seniors holiday, but it could be a reality for many senior travellers. If you’re struck with Bali Belly, break a bone in the US, or need emergency surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your travel insurance policy.*
Fast Cover’s International travel insurance policies are available to provide seniors travellers with protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas.*
If you’re a senior traveller and become seriously injured or sick during your overseas trip, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your travel insurance policy.*
In case you are seriously injured or sick while on your seniors trip overseas, Fast Cover’s International travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Need to cancel your seniors' trip? If you become unexpectedly sick or injured before your holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including cruises, flights, accommodation and tours in circumstances explained in your policy.*
At Fast Cover, you can take out travel insurance for your trip up to 12 months prior to your departure date, including before you’ve purchased your cruise tickets and booked your flights, tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies.*
Seniors holiday on pause? If you’re stuck at an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship - is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy.*
Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time.*
Lost, stolen or damaged luggage can turn a dream seniors' holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Fast Cover’s travel insurance cover for seniors includes the Luggage and Personal Effects benefit which may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or accidentally damaged during your seniors' holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Optional extras for your seniors holiday
No two senior travellers or trips are the same - and your cover shouldn’t be either. Whether you plan to soak up the sun on a cruise to Fiji, ride a motorcycle through Southeast Asia, rent a vehicle to explore the Aussie coastline, hit the slopes in Canada or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your seniors travel insurance cover so you can include cover for a range of activities to fit you and your travel plans.*
Cruises are a popular holiday for Aussie seniors. Whether it’s a cruise with your spouse, a friend or the extended family, on-board medical treatment and medical evacuations off the cruise ship for seniors can be costly.
If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:
If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more
If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more
By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*
Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your international travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Set Travel Dates: Tell us the travel dates you would like to be covered for.
Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise? Answer ‘Yes’ to ‘Are you going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 guests) or a large ship (over 200 guests).
You will need to choose from our international policy options provided during policy application.
For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.
Keen to explore your travel destination at your own pace? Whether you’re hiring a car for a road trip across Europe or enjoying retirement by touring Australia in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*
The rental vehicle excess benefit applies to a:
Sedan, hatchback, or station wagon
Four-wheel drive or minibus/people mover
Campervan or motorhome (up to 4.5 tonnes)
rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*
For domestic trips within Australia, Fast Cover automatically provides cover of up to $5,000 for your rental vehicle excess in circumstances covered under your policy, when you purchase a Domestic Plus policy.*
For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.
Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many senior travellers, riding or being a passenger on a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.
Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance for seniors that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Travelling with high value items on your seniors holiday and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as specified high value items:
Phone
Laptop
Camera
Please note specified high value items are only available on international Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply.*
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
Below are some examples of things that may be covered in your snow sports benefits:
loss or theft of, or accidental damage to snow sports equipment
for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip
if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person
the cost of transport and lift passes at an alternate ski resort
in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Ready for your next big adventure? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10 -15 nautical miles off any land mass
Scuba diving up to a depth of 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium for Aussie travellers aged 74 and under when they purchase an international Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Optional extras for your seniors holiday
No two senior travellers or trips are the same - and your cover shouldn’t be either. Whether you plan to soak up the sun on a cruise to Fiji, ride a motorcycle through Southeast Asia, rent a vehicle to explore the Aussie coastline, hit the slopes in Canada or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your seniors travel insurance cover so you can include cover for a range of activities to fit you and your travel plans.*
Cruises are a popular holiday for Aussie seniors. Whether it’s a cruise with your spouse, a friend or the extended family, on-board medical treatment and medical evacuations off the cruise ship for seniors can be costly.
If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:
If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more
If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more
By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*
Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your international travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Set Travel Dates: Tell us the travel dates you would like to be covered for.
Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise? Answer ‘Yes’ to ‘Are you going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 guests) or a large ship (over 200 guests).
You will need to choose from our international policy options provided during policy application.
For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.
Keen to explore your travel destination at your own pace? Whether you’re hiring a car for a road trip across Europe or enjoying retirement by touring Australia in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*
The rental vehicle excess benefit applies to a:
Sedan, hatchback, or station wagon
Four-wheel drive or minibus/people mover
Campervan or motorhome (up to 4.5 tonnes)
rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*
For domestic trips within Australia, Fast Cover automatically provides cover of up to $5,000 for your rental vehicle excess in circumstances covered under your policy, when you purchase a Domestic Plus policy.*
For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.
Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many senior travellers, riding or being a passenger on a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.
Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance for seniors that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Travelling with high value items on your seniors holiday and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as specified high value items:
Phone
Laptop
Camera
Please note specified high value items are only available on international Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply.*
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
Below are some examples of things that may be covered in your snow sports benefits:
loss or theft of, or accidental damage to snow sports equipment
for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip
if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person
the cost of transport and lift passes at an alternate ski resort
in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Ready for your next big adventure? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10 -15 nautical miles off any land mass
Scuba diving up to a depth of 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium for Aussie travellers aged 74 and under when they purchase an international Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Does travel insurance for seniors cover my hospital expenses if I get sick overseas?
Regardless of the international travel insurance policy that you choose for your seniors trip overseas, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses for senior travellers.
This benefit provides senior travellers with reimbursement for unexpected medical emergencies that can happen on your seniors trip overseas, from food poisoning to treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.
You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):
medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
planned medical procedures or other non-emergency medical treatments,
routine medical or dental check-ups,
injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
your medical expenses once you’ve returned to Australia,
so, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.
Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense.
If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. So considering taking out travel insurance for your overseas destination with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.
Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.
Remember, if further changes in health occur before the date of departure for your trip, you may need to undertake our medical screening process more than once as the changes in health exclusion would automatically apply again from the time any further changes in health occur.
Find out more about what we consider to be a medical condition in our page on travel insurance for existing medical conditions.
Does travel insurance for seniors cover my hospital expenses if I get sick overseas?
Regardless of the international travel insurance policy that you choose for your seniors trip overseas, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses for senior travellers.
This benefit provides senior travellers with reimbursement for unexpected medical emergencies that can happen on your seniors trip overseas, from food poisoning to treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.
You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):
medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
planned medical procedures or other non-emergency medical treatments,
routine medical or dental check-ups,
injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
your medical expenses once you’ve returned to Australia,
so, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.
Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense.
If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. So considering taking out travel insurance for your overseas destination with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.
Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.
Remember, if further changes in health occur before the date of departure for your trip, you may need to undertake our medical screening process more than once as the changes in health exclusion would automatically apply again from the time any further changes in health occur.
Find out more about what we consider to be a medical condition in our page on travel insurance for existing medical conditions.
Can I get cover for existing medical conditions on my seniors travel insurance cover?
As a senior traveller, we understand that you may have some existing medical conditions. Following a medical screening, Fast Cover’s seniors travel insurance cover may be able to provide cover for many existing medical conditions affecting senior travellers in case the unexpected happens on your trip.
Senior travellers can complete a medical screening for:
Your existing medical conditions that you have or have had, during the period of 3 years prior to your policy issue date
Any changes to your health that occur after your policy issue date and before the date of departure for your trip
New medical conditions you develop after you buy your policy and before you leave for your trip
You should also be aware of the General Exclusions that apply to all benefits, please refer to the general and other exclusions in the PDS.
Below is some more information about applying for cover for medical conditions and existing medical conditions.
If you have a medical condition, we may be able to provide you with cover. you can complete a medical screening if you have or have had a medical condition within the last 3 years prior to your policy purchase date, or experience changes to your health including new medical conditions from the date you purchase your policy, up until the date of departure for your trip.
Following your medical screening, we will tell you if we are able to provide cover in relation to the conditions you disclose. If you would like the cover for the approved conditions to be added to your policy you will need to pay the additional premium we apply for the cover, by the time required. We will then list the conditions as covered on your Certificate of Insurance.
If we do not list any such conditions as covered, or you do not disclose any such conditions, there is no covered provided in relation to them.
If any changes in health occur (as defined in our PDS) after your policy issue date and before the date of departure for your trip, you need to contact Fast Cover and undertake a further screening process to determine what premium adjustment may be required.
This is because we automatically exclude cover for:
any new medical conditions or pregnancy conditions that occur after your policy issue date and before the date of departure for your trip, and
all conditions we have listed as covered on the Certificate of Insurance where changes in health have occurred after your policy issue date and before the date of departure for your trip (other than for a claim under Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip).
Based on the rescreening we may:
agree to provide cover for the existing listed conditions and/or add the new listed conditions as covered. You may choose to accept this cover or not. If you do not, you will not be covered in relation to the conditions not listed as covered, or
not agree to provide cover, where based on the changes, our underwriting rules require us to do so.
On being advised of the changes, we will adjust the premium payable (up or down) to reflect the premium that is payable by reason of the changes in accordance with our underwriting rules.
You will need reasonable knowledge of all of your medical conditions, pregnancy conditions or changes in health, which include but are not limited to, the names of your medical conditions or pregnancy conditions.
Check with your medical practitioner if you are unsure of the name because you will not be able to complete the medical screening if you only know the medication you are taking or the treatment you are receiving.
As some medical conditions may be interconnected, you must declare all of your medical conditions, pregnancy conditions or changes in health, regardless of whether or not you:
want cover for them, or
consider them treated, dormant or under control, or
do not consider them important or related to any of your other conditions.
If you do not declare all of your medical conditions or pregnancy conditions, you may not have cover for your medical conditions or pregnancy conditions that are listed as covered on your Certificate of Insurance.
In all of the above cases, if you are not happy with our decision you may exercise your cooling off rights where applicable or cancel the policy before the date of departure for your trip and obtain a refund in accordance with the policy terms. Please refer to our Product Disclosure Statement for eligibility criteria, policy terms and conditions, benefit limits and sub-limits and any exclusions that apply.
Can I get cover for existing medical conditions on my seniors travel insurance cover?
As a senior traveller, we understand that you may have some existing medical conditions. Following a medical screening, Fast Cover’s seniors travel insurance cover may be able to provide cover for many existing medical conditions affecting senior travellers in case the unexpected happens on your trip.
Senior travellers can complete a medical screening for:
Your existing medical conditions that you have or have had, during the period of 3 years prior to your policy issue date
Any changes to your health that occur after your policy issue date and before the date of departure for your trip
New medical conditions you develop after you buy your policy and before you leave for your trip
You should also be aware of the General Exclusions that apply to all benefits, please refer to the general and other exclusions in the PDS.
Below is some more information about applying for cover for medical conditions and existing medical conditions.
If you have a medical condition, we may be able to provide you with cover. you can complete a medical screening if you have or have had a medical condition within the last 3 years prior to your policy purchase date, or experience changes to your health including new medical conditions from the date you purchase your policy, up until the date of departure for your trip.
Following your medical screening, we will tell you if we are able to provide cover in relation to the conditions you disclose. If you would like the cover for the approved conditions to be added to your policy you will need to pay the additional premium we apply for the cover, by the time required. We will then list the conditions as covered on your Certificate of Insurance.
If we do not list any such conditions as covered, or you do not disclose any such conditions, there is no covered provided in relation to them.
If any changes in health occur (as defined in our PDS) after your policy issue date and before the date of departure for your trip, you need to contact Fast Cover and undertake a further screening process to determine what premium adjustment may be required.
This is because we automatically exclude cover for:
any new medical conditions or pregnancy conditions that occur after your policy issue date and before the date of departure for your trip, and
all conditions we have listed as covered on the Certificate of Insurance where changes in health have occurred after your policy issue date and before the date of departure for your trip (other than for a claim under Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip).
Based on the rescreening we may:
agree to provide cover for the existing listed conditions and/or add the new listed conditions as covered. You may choose to accept this cover or not. If you do not, you will not be covered in relation to the conditions not listed as covered, or
not agree to provide cover, where based on the changes, our underwriting rules require us to do so.
On being advised of the changes, we will adjust the premium payable (up or down) to reflect the premium that is payable by reason of the changes in accordance with our underwriting rules.
You will need reasonable knowledge of all of your medical conditions, pregnancy conditions or changes in health, which include but are not limited to, the names of your medical conditions or pregnancy conditions.
Check with your medical practitioner if you are unsure of the name because you will not be able to complete the medical screening if you only know the medication you are taking or the treatment you are receiving.
As some medical conditions may be interconnected, you must declare all of your medical conditions, pregnancy conditions or changes in health, regardless of whether or not you:
want cover for them, or
consider them treated, dormant or under control, or
do not consider them important or related to any of your other conditions.
If you do not declare all of your medical conditions or pregnancy conditions, you may not have cover for your medical conditions or pregnancy conditions that are listed as covered on your Certificate of Insurance.
In all of the above cases, if you are not happy with our decision you may exercise your cooling off rights where applicable or cancel the policy before the date of departure for your trip and obtain a refund in accordance with the policy terms. Please refer to our Product Disclosure Statement for eligibility criteria, policy terms and conditions, benefit limits and sub-limits and any exclusions that apply.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.
Select who needs cover
Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Age limits for senior travel insurance policies
We know you can still be fit to travel in your 60’s and right through to your 80’s. Fast Cover offers travel insurance for senior travellers up to the age of 89 but age limits may be lower depending on the type of policy chosen and cover required. The age limits outlined below apply at the date of policy issue.
Fast Cover policy type age limits
The following age limits apply to Fast Cover policy types. All age-related limits are based on your age as at the date you purchase your policy.
| Policy Type | Maximum age limit |
At the date of policy purchase- for international travel | Comprehensive Standard Saver Basics Snow Sports Plus Frequent Traveller Saver
| 89 89 89 69 75 (including spouse if added and listed on policy) |
At the date of policy purchase - for travel within Australia | Domestic Plus | 89 |
At the date of policy purchase – for policies purchased when already overseas (no other policy types available for purchase if you are already overseas) | Comprehensive Standard Saver Snow Sports Plus | 65 65 65 |
Fast Cover add-on age limits
The following age limits apply to Fast Cover policy add-ons and activities.
Add-On or Activity | Maximum age limit |
Cruise | 89 |
Snow Sports | 69 |
Adventure Pack | 74 |
Motorcycle Pack | 74 |
Bicycle Pack | 89 |
If you’re a senior travelling with your children or grandchildren, the age limit for all dependants is aged 20 and under, provided they are your own children or grandchildren of whom you are the legal guardian and are:
not in full time employment
travelling with you or the other parent or grandparent listed on the Certificate of insurance for 100% of the trip itinerary.
Age limits for senior travel insurance policies
We know you can still be fit to travel in your 60’s and right through to your 80’s. Fast Cover offers travel insurance for senior travellers up to the age of 89 but age limits may be lower depending on the type of policy chosen and cover required. The age limits outlined below apply at the date of policy issue.
Fast Cover policy type age limits
The following age limits apply to Fast Cover policy types. All age-related limits are based on your age as at the date you purchase your policy.
| Policy Type | Maximum age limit |
At the date of policy purchase- for international travel | Comprehensive Standard Saver Basics Snow Sports Plus Frequent Traveller Saver
| 89 89 89 69 75 (including spouse if added and listed on policy) |
At the date of policy purchase - for travel within Australia | Domestic Plus | 89 |
At the date of policy purchase – for policies purchased when already overseas (no other policy types available for purchase if you are already overseas) | Comprehensive Standard Saver Snow Sports Plus | 65 65 65 |
Fast Cover add-on age limits
The following age limits apply to Fast Cover policy add-ons and activities.
Add-On or Activity | Maximum age limit |
Cruise | 89 |
Snow Sports | 69 |
Adventure Pack | 74 |
Motorcycle Pack | 74 |
Bicycle Pack | 89 |
If you’re a senior travelling with your children or grandchildren, the age limit for all dependants is aged 20 and under, provided they are your own children or grandchildren of whom you are the legal guardian and are:
not in full time employment
travelling with you or the other parent or grandparent listed on the Certificate of insurance for 100% of the trip itinerary.
Who can get seniors travel insurance?
Whether you're travelling solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s international travel insurance is designed to provide cover for a wide range of Aussie travellers around the world including:
Seniors up to the age of 89 enjoying retirement on a cruise
Solo travellers discovering new sights abroad
Couples travelling for their anniversary
Friends celebrating a destination wedding overseas
Families flying overseas to visit family or friends
Business travellers flying overseas for a conference
Grandparents travelling with their grandchildren
Senior adventurers ticking off their bucket list, up to the age of 74
Senior snow sports enthusiasts planning to participate in covered snow sports overseas, up to the age of 69
Senior motorcycling enthusiasts planning to ride or be a passenger on a motorcycle, moped or scooter overseas, up to the age of 74
Who can get seniors travel insurance?
Whether you're travelling solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s international travel insurance is designed to provide cover for a wide range of Aussie travellers around the world including:
Seniors up to the age of 89 enjoying retirement on a cruise
Solo travellers discovering new sights abroad
Couples travelling for their anniversary
Friends celebrating a destination wedding overseas
Families flying overseas to visit family or friends
Business travellers flying overseas for a conference
Grandparents travelling with their grandchildren
Senior adventurers ticking off their bucket list, up to the age of 74
Senior snow sports enthusiasts planning to participate in covered snow sports overseas, up to the age of 69
Senior motorcycling enthusiasts planning to ride or be a passenger on a motorcycle, moped or scooter overseas, up to the age of 74
What types of trips are covered by travel insurance for seniors?
Our travel insurance for seniors can provide cover for many types of trips. Below are just some of the types of seniors holidays our travel insurance cover can provide cover for depending on the policy and optional extras you choose:
Ocean and river cruises
Bus and rail tours
Overseas trip
Domestic trips within Australia
Road trips with a rental vehicle
Rental campervan or motorhome holidays
Sightseeing
Flying to visit family or friends
Business and work trips
Golfing trip
Surfing trip
Motorcycle trip (up to 74 years of age)
Hiking trip (up to 74 years of age for altitudes 3000 m to 6000 m)
Snow sport trips (up to 69 years of age)
What types of trips are covered by travel insurance for seniors?
Our travel insurance for seniors can provide cover for many types of trips. Below are just some of the types of seniors holidays our travel insurance cover can provide cover for depending on the policy and optional extras you choose:
Ocean and river cruises
Bus and rail tours
Overseas trip
Domestic trips within Australia
Road trips with a rental vehicle
Rental campervan or motorhome holidays
Sightseeing
Flying to visit family or friends
Business and work trips
Golfing trip
Surfing trip
Motorcycle trip (up to 74 years of age)
Hiking trip (up to 74 years of age for altitudes 3000 m to 6000 m)
Snow sport trips (up to 69 years of age)
Cruise travel insurance for seniors
Cruise holidays are one of the most popular holiday options for Aussie seniors enjoying retirement or pension. Fast Cover’s travel insurance for seniors is available to provide cover for a variety of cruises for your next cruise holiday.
If you’re an avid cruise goer and plan on taking multiple cruise trips throughout the year, you can get a quote for a Frequent Traveller Saver policy which automatically provides cover for cruises. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip.*
You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship:
within Australian waters for 1 night or more
within New Zealand or the South Pacific Region for 1 night or more
within Asia, Europe, or Worldwide Regions for 4 nights or more.
You must specify cruise cover at the time of purchase.
River cruises are also a popular option for senior travellers, especially in Europe. River cruises are automatically covered under your travel insurance policy so you won't need to choose any additional cover for this type of trip.
Cruise travel insurance for seniors
Cruise holidays are one of the most popular holiday options for Aussie seniors enjoying retirement or pension. Fast Cover’s travel insurance for seniors is available to provide cover for a variety of cruises for your next cruise holiday.
If you’re an avid cruise goer and plan on taking multiple cruise trips throughout the year, you can get a quote for a Frequent Traveller Saver policy which automatically provides cover for cruises. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip.*
You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship:
within Australian waters for 1 night or more
within New Zealand or the South Pacific Region for 1 night or more
within Asia, Europe, or Worldwide Regions for 4 nights or more.
You must specify cruise cover at the time of purchase.
River cruises are also a popular option for senior travellers, especially in Europe. River cruises are automatically covered under your travel insurance policy so you won't need to choose any additional cover for this type of trip.
Do I need seniors travel insurance?
Whether you plan to go travel in Australia, explore overseas, go on a cruise or participate in adventure activities, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Seniors travel insurance cover can help better prepare you to deal with unexpected and unforeseen situations that could impact your seniors holiday should the unexpected happen.
Here are some situations to consider when deciding if you need travel insurance for seniors and whether your travel insurance policy can provide cover for these situations on your next trip:
Becoming unexpectedly sick or injured could force you to cancel your seniors trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your travel insurance cover can provide cover for trip cancellation expenses.
If you need to cancel your seniors holiday due to an existing medical condition, you could be left with out-of-pocket expenses for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance cover can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight to get to your destination. Consider if your travel insurance cover can provide cover for travel delay expenses such as additional meals and accommodation.
Got tickets for your cruise, a tour package or booked flights for a wedding? If your scheduled transport is cancelled or delayed, consider if your travel insurance cover may cover you for reasonable additional travel expenses to help you to get to your special event on time, so you don’t miss the moments that matter.
Each insurer may have a different definition of special events. At Fast Cover, special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
Do I need seniors travel insurance?
Whether you plan to go travel in Australia, explore overseas, go on a cruise or participate in adventure activities, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Seniors travel insurance cover can help better prepare you to deal with unexpected and unforeseen situations that could impact your seniors holiday should the unexpected happen.
Here are some situations to consider when deciding if you need travel insurance for seniors and whether your travel insurance policy can provide cover for these situations on your next trip:
Becoming unexpectedly sick or injured could force you to cancel your seniors trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your travel insurance cover can provide cover for trip cancellation expenses.
If you need to cancel your seniors holiday due to an existing medical condition, you could be left with out-of-pocket expenses for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance cover can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight to get to your destination. Consider if your travel insurance cover can provide cover for travel delay expenses such as additional meals and accommodation.
Got tickets for your cruise, a tour package or booked flights for a wedding? If your scheduled transport is cancelled or delayed, consider if your travel insurance cover may cover you for reasonable additional travel expenses to help you to get to your special event on time, so you don’t miss the moments that matter.
Each insurer may have a different definition of special events. At Fast Cover, special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
What is the best travel insurance for seniors?
The best travel insurance for seniors can be considered as a policy that provides cover for the type of seniors trip that you’re taking. When looking for the best travel insurance for seniors it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do, who you will be travelling with and other considerations and situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for seniors that may also help you compare travel insurance policies to help you decide which policy is right for you:
Will you be renting a vehicle during your trip?
You may wish to check whether the travel insurance cover provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply. Cover for riding or being a passenger on a motorcycle, moped or scooter overseas may require an additional premium and may have age limits and other conditions of cover.
Are you planning to do any adventurous activities while on your trip?
You may wish to check whether the travel insurance cover provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.
Have you booked a tour, accommodation or flights?
You may wish to consider whether the travel insurance cover includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.
Are you planning a solo adventure, a family trip or perhaps a relaxing getaway to enjoy your anniversary or retirement?
You may wish to check whether the travel insurance cover provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is the best travel insurance for seniors?
The best travel insurance for seniors can be considered as a policy that provides cover for the type of seniors trip that you’re taking. When looking for the best travel insurance for seniors it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do, who you will be travelling with and other considerations and situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for seniors that may also help you compare travel insurance policies to help you decide which policy is right for you:
Will you be renting a vehicle during your trip?
You may wish to check whether the travel insurance cover provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply. Cover for riding or being a passenger on a motorcycle, moped or scooter overseas may require an additional premium and may have age limits and other conditions of cover.
Are you planning to do any adventurous activities while on your trip?
You may wish to check whether the travel insurance cover provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.
Have you booked a tour, accommodation or flights?
You may wish to consider whether the travel insurance cover includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.
Are you planning a solo adventure, a family trip or perhaps a relaxing getaway to enjoy your anniversary or retirement?
You may wish to check whether the travel insurance cover provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is not covered by our travel insurance for seniors?
It’s important to know not just what travel insurance for seniors covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas. Cover for some activities may require an additional premium and may have age limits and other conditions of cover.
If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you take a swim in the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.
You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you or keep them locked up in your cabin.
There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. Your claim might be denied if it arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on the official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events can be considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. If you buy your international travel insurance after an event is known, the cover on your policy may be affected.
You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
Perhaps the weather wasn’t ideal, you didn’t enjoy your tour, or the accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your seniors holiday has shaped up, your travel insurance cover is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What is not covered by our travel insurance for seniors?
It’s important to know not just what travel insurance for seniors covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas. Cover for some activities may require an additional premium and may have age limits and other conditions of cover.
If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you take a swim in the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.
You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you or keep them locked up in your cabin.
There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. Your claim might be denied if it arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on the official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events can be considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. If you buy your international travel insurance after an event is known, the cover on your policy may be affected.
You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
Perhaps the weather wasn’t ideal, you didn’t enjoy your tour, or the accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your seniors holiday has shaped up, your travel insurance cover is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.










