TL;DR
Travel insurance gets more expensive and harder to find after age 65. In 2026, Insure&Go (covers up to age 100, competitive premiums for seniors), Cover-More (covers up to age 99, comprehensive cruise cover), and 1Cover (covers up to age 100, generous pre-existing condition coverage) are the best options for Australian seniors. Expect to pay 50–100% more than younger travelers, but coverage is available at reasonable rates if you shop around.
Top Seniors Travel Insurance
| Provider | Max Age | Pre-Existing | Cruise Cover | Medical | Cancellation | Approx. Price (75yo, 2wk Bali) |
|---|---|---|---|---|---|---|
| Insure&Go | 100 | Assessed | Add-on | Unlimited | Unlimited | ~$150–$250 |
| Cover-More | 99 | Assessed | Included (comp.) | Unlimited | Unlimited | ~$180–$300 |
| 1Cover | 100 | 40+ conditions auto-covered | Add-on | Unlimited | $25,000 | ~$140–$220 |
Final Verdict
Insure&Go offers the best seniors travel insurance with coverage up to age 100, competitive pricing, and unlimited medical cover. 1Cover is worth checking for pre-existing conditions—they auto-cover 40+ common conditions.
Disclosure: Affiliate links. Pricing estimates as of May 2026.
🎯 Editor’s picks
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