Travel insurance for over 75 with pre-existing condition(s)

[pmslaytor]

On choice’s recommendation, I contacted Australian Seniors Travel insurance because it looked as though they provided cover up to 79. Yes, they do, but they do not cover any pre existing conditions at all. Even for extra $.
Pity. Now where do I go??

[phb]

I have just googled and there seem to be a number of other insurers with claim that they will consider pre-existing travel insurance…

Google Search Results for seniors travel insurance with pre existing medical conditions

Also if you have house and contents insurance, or private health insurance, see if they will extend such cover to an existing customer. Many of these also offer travel insurance as well.

I imagine it could be difficult to get adequate cover, especially if an insurer/underwriter thinks that the pre-existing condition combined with the age of the person is high risk.

[PhilT]

@pmslaytor

Now where do I go??

If you have a premium credit card (eg platinum or black MC or Visa) the free travel insurance might or might not cover you adequately. My Westpac card included insurance covers up to age 80. There are some pre-existing conditions that are covered automatically (usually minor and routine things), and one can apply for cover for others case by case. If you have such a card read the PDS for the T&C.

[BrendanMays]

Hi @pmslaytor,

You could try RACV (single or multi). There’s no policy age limit and they will cover both listed and unlisted (with approval) conditions. Make sure to check the policy to ensure it suits your needs.

Let us know how you go

[PhilT]

As this topic has been dormant for some years and may be out of date, and thus misleading, discussions about travel insurance can be continued in one of the current topics such as

I am aware that travel insurance has changed a lot due to the pandemic. Is anyone aware of an insurer that offers travel insurance to those with a pre-existing medical condition? Thank you!

I have just taken up an offer from a cc company for travel insurance as a freebie if I put flights worth over $1000 on their card. Now having a hell of a time getting info about the policy and/or how to make a claim if I need to. Anyone else finding travel insurance very expensive, tricky and difficult?

A review of current travel insurance issues in these days of COVID.

Travel insurance companies have a list of pre existing medicals they will automatically cover. Howevet, when you declare your pre existing condition which is not in their list, some companies will add it to their list for cover, whereas others say their list no longer applies because you have a medical condition outside their list. Why is this so and is it unteasonable?

and perhaps others.