Quick summary for busy readers:
- Several insurers offer single trip cover with no age limit at all. Others cap it anywhere from the mid-60s up to 100.
- Annual multi-trip policies are a different story. Even insurers with no age limit on single trips often cap annual policies somewhere between 65 and 80.
- Older travellers can face age loadings on price, sub-limits on cover, and exclusions on things like adventure activities.
- If you travel more than a couple of times a year, it’s worth checking both the age limit and the maximum trip duration on any annual policy before assuming it’s the cheaper option.
If you’re older than 60, it can be trickier to get travel insurance because of something called age limits – which vary enormously between Australian insurers.
The good news is that plenty of insurers do cover older travellers, you just need to know where to look. Read on to learn more about travel insurance age limits and to see which insurers offer cover with no upper age limit at all.
What age can you no longer get travel insurance?
In good news for senior travellers, there isn’t one clear-cut age. It genuinely depends on the insurer and the type of policy you’re after.
Plenty of Australian insurers don’t apply any upper age limit at all to single trip travel insurance, so you can technically be covered no matter your age (provided you meet the insurer’s other terms, of course). Other insurers set a reasonably high cap, commonly somewhere around 89 to 100 years old. Then there’s a few insurers with noticeably lower limits, sometimes as young as 65.
However, if you’re a frequent traveller looking for an annual multi-trip policy, that’s where things get more restrictive. Most insurers tend to have lower age limits on their annual policies, commonly somewhere between 65 and 80. And maximum trip lengths come into play, although they can vary from 15 days to 90 days per trip.
We should also mention that being eligible for cover doesn’t mean you’ll get the same cover as everyone else. Insurers can apply age loadings that increase your premium, sub-limits that cap specific benefits lower than a standard policy would, and exclusions on things like additional adventure activities.
What age limits do travel insurers have in Australia?
Because age limits vary so much by insurer and by policy type (and because plenty of providers don’t make this information easy to find), we’ve pulled together the current single trip and annual policy age limits, along with maximum trip durations, for major Australian insurers below:
| Provider | Single trip age limit | Annual policy age limit | Action | |
|---|---|---|---|---|
 1Cover | Comprehensive and Domestic plans have no age limit (available to all ages), Medical Only plan has an age limit of 69 or under, and Already Overseas plan has an age limit of 69 or under. | Overseas Frequent Traveller and Domestic Frequent Traveller plans have an age limit of 69 or under. | Quote | |
 FastCover | Age limit is 89 or under. | Age limit is 89 or under. | Quote | |
 Insure n Go | Bare Essentials Single Trip plan has an age limits of 79 or under, and the Silver and Gold Single Trip plans have age limits of 100 or under. | Bare Essentials Annual plan has an age limits of 79 or under, and the Silver and Gold Annual plans have age limits of 100 or under. | Quote | |
 Tick Travel Insurance | The Basic Single Trip plan has an age limit of 69 or under, the Budget Single Trip plan has an age limit of 79 or under, and the Standard and Top Single Trip plans have age limits of 100 or under. | The Basic Annual plan has an age limit of 69 or under, the Budget Annual plan has an age limit of 79 or under, and the Standard and Top Annual plans have age limits of 100 or under. | Quote | |
 Travel Insurance Saver | Age limit is 90 or under. | Age limit is 90 or under. | Quote | |
 Zoom | The Medical Only and Standard plans have an age limit of 69 or under. The Comprehensive and Domestic plans have an age limit of 85 or under. | Age limit is 69 or under. | Quote | |
 AHM | Age limit is 120 or under. | Age limit is 120 or under. | ||
 All Clear | No age limit. But winter sports cover is limited to those 65 and under. | No age limit was given, but trip duration is capped at 45 days per trip for travellers up to 70, and 31 days per trip for those 70 and over. | ||
 Australian Seniors | The Comprehensive, Domestic and Non-Medical plans have no age limit (available to all ages). The Essentials plan has an age limit of 75 or under. | Age limit is 75 or under. | ||
 Boomers | Age limit is 90 or under. | Age limit is 90 or under. | ||
 Budget Direct | Age limit is 125 or under. | Age limit is 125 or under. | ||
 Cover more | Age limit is 99 or under. | Age limit is 99 or under. | ||
 Easy Travel Insurance | Age limit is 69 or under. | Age limit is 69 or under. | ||
 Freely | Age limit is under 100 years. | Age limit is under 100 years. | ||
 Go Insurance | Age limit is 75 or under. | Age limit is 75 or under. | ||
 Insure 4 Less | Age limit is 70 or under. | Age limit is 70 or under. | ||
 PassportCard | No age limit but written medical confirmation of fitness to travel required for those 85 or over. | No age limit but written medical confirmation of fitness to travel required for those 85 or over. | ||
 Southern Cross | Age limit is 118 or under. | Age limit is 118 or under. | ||
 Travel Insurance Direct | Age limit is 75 or under. | Age limit is 75 or under. | ||
 Travel Insuranz | Age limit is 80 or under. | Age limit is 80 or under. | ||
 World 2 Cover | Age limit is 110 or under. | Age limit is 75 or under. | ||
 World Nomads | Age limit is 69 or under. | Age limit is 69 or under. | ||
 WorldCare | Comprehensive, Domestic, and Non-Medical plans have no age limit (available to all ages). The Essentials plan has an age limit of 75 or under. | Age limit is 75 or under. |
