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Seniors Travel Insurance› Best Seniors Travel Insurance
Traditionally, silver haired vacationers purchased travel insurance at the peril of their travel agent when booking their holiday.Unbeknown that this could be costing them up to 50% more than purchasing the same level of cover directly with an insurer!
But which seniors policy is best?
Savings can be made:Be it a coach tour, Carribbean cruise, mountaineering in the wilderness or a trip to simply visit the grandkids, significant savings can be made by comparing policies online.The simplest way to find great value seniors travel insurance is to do some research through a comparison websitelike ours to compare levels of cover along with quotes.When comparing policies look for a high level of cover for cancellation and lost deposit fees. Especially if you have pre-booked a package deal or tour where there is greater financial loss at risk should circ*mstances make it impossible to travel.
Pre-existing medical conditions: Arguably, the most important cover benefit for seniors to compare is medical treatment. Medical cover is vital for travellers of any age to avoid expensive overseas medical bills and out-of-pocket expenses during an emergency should the unexpected happen.In order to get the right cover, you must let your insurance provider know of any pre-existing medical conditionsthat you have. If you fail to do this you may be left facing a massive medical bill when you try to make a claim.
High value items:Travel insurance companies have different 'caps' on how much they pay out for a claim. So if you're travelling with valuable items such as high end cameras, it is worth comparing the itemised cap on personal items under luggage and personal effects.
Grandkids travel for free: Some travel insurance providers also provide cover for dependents for free, so if you're travelling with children or grandchildren check whether they can be added under your policy.
Age limits apply: Some insurers are more "senior friendly" than others. For example,1Cover provides cover for all ages, with no upper age limit on single trips. So whether you’re in your 60s, 70s, 80s, 90s or beyond there’s a policy for you. On the other hand Tower only cover up until the age of 65. We've made life a little easier and highlighted the age limits of New Zealand's well known travel insurers for you right here...
Who Offers Travel Insurance To Senior Travellers?
Here's the age limits of New Zealand's most popular insurers. NOTE: This does not refer to age restrictions in regards to family members! The following table explains at what age you can purchase a policy up until.
The insurers offer unlimited 24/7 overseas emergency medical assistance and unlimited overseas medical treatment in the event of an emergency.
| INSURER | Underwriter | SINGLE TRIP AGE LIMITS | ANNUAL POLICY AGE LIMITS | Buy Now |
|---|---|---|---|---|
| 1Cover BUY | Certain Underwriters of Lloyds | No age limit | Under 65 | Go To Insurer |
| Amex BUY | Chubb Insurance New Zealand Ltd | Under 90 | Under 70 | Go To Insurer |
| Columbus Direct BUY | Certain Underwriters of Lloyds | Under 85 | Under 70 | Go To Insurer |
| Cover-more | Zurich New Zealand | Under 85 | Under 74 | |
| DUinsure BUY | Certain Underwriters of Lloyds | Under 60 | Under 60 | Go To Insurer |
| NZ Travel Insurance BUY | Allianz Australia Insurance Ltd | Under 100 | Under 71 | Go To Insurer |
| Southern CrossTravel Insurance | Southern Cross | No age limit | No age limit | |
| State Travel Insurance | Zurich New Zealand | Under 75 | Under 70 | |
| TINZ BUY | Certain Underwriters of Lloyds | No age limit | Under 65 | Go To Insurer |
| Travel Insurance Direct | Certain Underwriters of Lloyds | Under 81 | Under 76 | |
| Webjet BUY | Allianz Australia Insurance Ltd | No age limit | Under 75 | Go To Insurer |
| Zoom Travel Insurance BUY | Certain Underwriters of Lloyds | Under 86 | Under 70 | Go To Insurer |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circ*mstances.
Be sure to read the PDS to understand what is and is not covered by your chosen policy prior to purchase. Make sure you declare any pre-existing medical conditions to ensure you have adequate cover. And don't forget to consult your physician on any medications required during your journey along with immunisations and vaccinations that may be required.
Seniors Travel InsuranceSummary:
- Assess your travel insurance needs
- Shop around by comparing policies
- Read the fine print
- Disclose any pre-existing medical conditions
- Have fun and enjoy your holiday
Use our website tocompare seniors travel insurance to help you find the best policy for your holiday. Get cover for pre-existing medical conditions and more! For heaps more handy information see ourguide to seniors travel insurance.
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CoverDirect NZ Limited (INC 3526051) owns and operates this website.
Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circ*mstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.
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