anz travel health insurance

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Credit card travel insurance

How do I qualify for travel insurance using my credit card?

If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.

To check your eligibility, please visit our ANZ travel insurance website

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ANZ credit card complimentary travel insurance

Wondering what cover you get with anz credit card complimentary travel insurance here’s what you need to know and how to make a claim..

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Which ANZ credit cards have complimentary travel insurance?

How can you access anz credit card international travel insurance, what's covered by anz complimentary international travel insurance, pre-existing medical conditions, how to make a claim through your anz credit card complimentary international travel insurance policy, other types of anz complimentary credit card travel insurance, anz credit card complimentary insurance for shopping, anz business credit card complimentary insurance options, frequently asked question, what you need to know:.

• ANZ credit cards with complimentary international travel insurance offer comprehensive cover for up to 3 or 6 consecutive months when you travel overseas.
• You'll get cover when you meet the requirements before travelling (e.g. by paying for your trip with the card).
• Your spouse and dependants travelling with you can also get cover, but there are some requirements and exclusions .
• Do you have a question or need to make a claim right now? Call the insurance provider, Allianz, on 1300 135 271 (from Australia) or +61 7 3305 7465 (from overseas).

If you have an eligible ANZ credit card, you may be able to use this cover when you meet the eligibility requirements in the insurance policy booklet, including (but not limited to):

• Prepayment of at least $250 of your travel costs before you leave Australia
• Having a return overseas travel ticket to Australia before the start of your trip

Cover may also be available for your spouse and/or eligible dependents when both you and they meet the requirements in the policy information booklet.

If you need written confirmation of cover, you can also visit http://www.checkyourcover.com.au/anz or call Allianz on 1300 135 271 for more details.

Here, we've broken down the key options for different types of claims and situations. But remember: you should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an ANZ credit card

Please note that each travel claim is subject to an assessment and there may be an excess applicable.

ANZ complimentary international travel insurance for cancellation, delays, accommodation and transport

Luggage and personal items cover offered with anz credit card complimentary insurance, does anz complimentary credit card travel insurance cover pandemics.

Yes, if you are diagnosed with COVID-19 or another epidemic/pandemic illness, this insurance offers cover for claims relating to:

• Overseas emergency assistance (including medical evacuation and repatriation)
• Overseas emergency medical
• Cancellation
• Additional expenses

Please contact Allianz if you have a pre-existing medical condition and would like to know if you will be covered under the ANZ complimentary insurance policy.

If it's an emergency, call Allianz on +61 7 3305 7465 when you're overseas or 1300 135 271 in Australia. You can also submit a claim online by following these steps:

• Go to the Allianz online claims portal at https://claimmanager.com.au/anz/agreement
• Confirm you agree with the terms and conditions, then select "Create new claim"
• Select the "Credit card insurance" option and provide details of your card
• Fill in the details on the claim form and upload your supporting documentation

You will be contacted about your claim within 10 business days, according to the online claims website.

What to include in your claim

With insurance claims, include as many details as you can. This makes it easier for the insurer to look at the claim and your eligibility for a payout. Some examples include:

• A referral or letter from a doctor or other professional you see in relation to a claim
• Photo evidence
• Police reports

Tip: Use a travel wallet or create an online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the ANZ card insurance policy booklet – plus anything that could become supporting documentation for claims.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This includes:
• Cancellation: Up to a maximum total limit of $3,000 for all claims combined.
• Flight delay expenses: After 4 hours or more, $125 per person up to a maximum of $300.
• Additional expenses: Up to a maximum total limit of $3,000.
• Luggage: Up to $750 for each covered item, up to a maximum total limit of $2,000.
• Luggage delay: After 4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined.
• Is there an excess cost? There is a $100 excess cancellation, additional expenses and luggage claims.

Rental vehicle excess in Australia insurance

• What is it? Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,000, whichever is the lesser for all claims combined during the rental.
• When can I use it? If you’ve used your ANZ credit card to pay the full cost of the vehicle rental.
• Is there an excess cost? $100 per claim.

How to make a claim under one of these policies

ANZ credit cards give you access to other types of insurance for items you buy. Here's a basic explainer of each one:

• Purchase protection insurance: Offers cover for up to 90 days when you buy a new item with your eligible card and it's then stolen, accidentally damaged or lost. It covers household and personal items such as laptops, shoes, jewellery and glasses.
• Extended warranty insurance: Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months.

Don’t have complimentary insurance on your credit card yet? Compare ANZ credit cards or other cards that offer insurance .

All ANZ business credit cards offer complimentary unauthorised transaction insurance. Some also offer complimentary international travel insurance and transit accident insurance. Here’s a summary for different ANZ business cards:

Have an ANZ credit card that’s not on this list? Check the terms and conditions available on the ANZ website to see if your card is eligible. Or, look at ANZ travel insurance you can get without a credit card.

Can I get proof of my cover?

Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at www.checkyourcover.com.au/ANZ .

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

More guides on Finder

The ANZ Rewards Platinum Credit Card offers up to 100,000 bonus Velocity Points and a range of complimentary insurance covers.

Receive $250 back to your card with this promo offer. Plus, save with a competitive 13.74% p.a. purchase rate.

This platinum card offers a $0 first-year annual fee, $300 credit back offer and complimentary insurance covers.

The ANZ Frequent Flyer Black has a competitive bonus Qantas Points offer and perks including Qantas Club Lounge invitations and complimentary insurance. Weigh up if it's worth the $425 annual fee.

Compare the features of the ANZ Rewards Black, including 180,000 bonus points offer, a high earn rate and complimentary insurance.

The ANZ Rewards Platinum Credit Card offers a competitive rewards program, 100,000 bonus ANZ Reward Points and a range of complimentary insurance covers.

Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, pay a $0 annual fee for the first year and 13.74% p.a. purchase rate.

Earn Qantas Points as you spend, enjoy complimentary travel insurance and take advantage of an introductory offer on the ANZ Frequent Flyer Platinum.

This entry-level card offers a $0 first-year annual fee, $125 credit back offer and mobile payments through Apple Pay, Google Pay and Samsung Pay.

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155 Responses

Does ANZ credit card insurance cover cruises leaving from overseas ports?

It looks like cruises are covered. Page 14 of the ANZ PDS defines overseas as “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters”.

Hope this helps!

Does my complimentary travel insurance also cover my wife travelling with me

Hi Bob, Yes, if your wife is travelling with you for the entire trip and both of you meet the requirements, you’ll both be able to use this travel insurance. If you have more specific questions about this cover, you can also contact the insurer Allianz on 1300 135 271. I hope this helps.

We are going on a 35 day cruise going around Australia with many stops in Australia and also one stop in Denpasar Indonesia and 3 stop around New Zealand. The Cruise starts in Sydney and finish in Sydney. I’m using my ANZ Platinum card, are we covered?

Hi John, The international travel insurance policy for the ANZ Platinum Credit Card has a definition for “overseas” that includes “when you are aboard a foreign registered cruise vessel in Australian territorial waters.” So if the cruise ship is registered outside Australia, it’s possible you would be covered. But you should call the insurance provider, Allianz, on 1300 135 271 to check the details specific to your travel plans. I hope this helps.

Hi I am about to turn 81 years of age will I still be covered by my Platinum card. If not will my wife who is 76 be covered even if I am not.

Hi Ron, If you meet the other eligibility requirements for cover before you turn 81, you would be eligible for this cover. This means you would need to spend at least $250 of your prepaid travel expenses on your eligible ANZ Platinum card, have a return overseas travel ticket before you leave Australia and meet the residency requirements. Your wife would also be eligible if you met the eligibility requirements. If you have further questions, you can contact the insurance provider Allianz on 1300 135 271. I hope this helps.

Does paying for car hire on a trip count for the $250 you need to put on your platinum Visa card for Domestic travel insurance?

Hi Clare, Car hire would generally be considered as a pre-paid travel cost. A sit’s not specifically mentioned in the ANZ Platinum and Black Complimentary Insurance policy booklet, it’s a good idea to call the insurance provider, Allianz, on 1300 135 271 to check your eligibility. I hope this helps.

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ANZ Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for anz eligible cardholders regarding covid-19 and with a claim event date on and after 27 th april 2022.

Information on this page is correct as of 27 April 2022

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller website and World Health Organisation   (WHO) and Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel.   In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions.  Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1300 135 271.

Are Eligible travellers covered for COVID-19 with this complimentary credit card travel insurance?

This complimentary travel insurance policy is designed to provide cover under select benefits to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under certain sections of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:    ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet   or the  ANZ Business Black Complimentary Travel Insurance Policy Information booklet .  A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible ANZ Cardholders must submit a claim.

Eligible ANZ travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained.  Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the ANZ Complimentary Insurance covers, please refer to the General Exclusions section and the section specific exclusions of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  Premium Cards – Insurances, Insurance Policy Information booklet or the  ANZ Business Black Travel Insurance, Policy Information booklet

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• where your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:
•                 by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on                 www.smartraveller.gov.au; or
•                 which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority;  For example, if  Smartraveller has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded.  Or if, a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if an ANZ Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant ANZ Policy Information Booklet for which your eligible ANZ card is applicable under:  ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet  or the ANZ Business Black Complimentary Travel Insurance Policy Information booklet     . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, ANZ Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can ANZ Eligible Cardholders make a claim for consideration?

Every ANZ Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  and the  Premium Cards – Insurances, Insurance Policy Information booklet   or the  ANZ Business Black Travel Insurance, Policy Information booklet.

If you would like to claim, we encourage you to claim online via  www.claimmanager.com.au/anz

Claim Online 

Call our claims team.

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Whatever you need from your car insurance, there's a range of cover to help you find what suits you. Choose from Comprehensive, Third Party Fire and Theft, or Third-Party Property Damage.

Cover for life and income

Life insurance.

Get added peace of mind knowing life cover can help loved ones take care of the mortgage, school fees and other responsibilities if you were to pass away or become terminally ill.

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Income protection

Plan for the unexpected. Help protect your lifestyle and financial wellbeing if you couldn't work due to injury or illness with income protection.

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How to make an insurance claim.

If you need to make a claim on your insurance policy, it's important to start the process as soon as you can. Check you have everything you need to make your claim and contact us if you need any further support.

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If you have any questions, the customer service team is here to help. Call to get a quote, apply for insurance or for any general enquiries. Available from Monday to Friday, 8am to 8pm (Sydney/Melbourne time).

Need personal advice for life insurance?

Visit Zurich.com.au/assure to learn more about Zurich's life insurance advice service or speak to a Zurich Assure adviser.

Discontinued products

Anz mortgage protection.

We no longer offer this insurance to new customers however if you're an existing policy holder you remain covered by this insurance. Check out the  ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF) for information about the product including what you're covered for.

If you need to make a claim or have any questions about your policy call us on 1300 552 253 weekdays 8am to 5pm (Sydney/Melbourne time).

Need help with your cover or other insurance products?

If you want to make an insurance claim or have any questions about your current insurance policy, we're here to help. For medical condition updates to current insurance policies, see other insurance product documents.

Policy Documents

Anz home insurance.

• ANZ Home Building Key Facts Sheet – issued by CGU Insurance
• ANZ Home Contents Key Facts Sheet – issued by CGU Insurance
• ANZ Home Insurance Product Disclosure Statement – issued by CGU Insurance
• ANZ Home Insurance Target Market Determination – issued by CGU Insurance
• ANZ Home Premium, Excess, Discount and Options Guide – issued by CGU Insurance
• ANZ Financial Services Guide (PDF)

ANZ Landlord Insurance

• ANZ Landlord Insurance Product Disclosure Statement – issued by CGU Insurance
• ANZ Landlord Insurance Target Market Determination – issued by CGU Insurance
• ANZ Landlord Premium, Excess, Discount and Options Guide – issued by CGU Insurance

ANZ Car Insurance

• ANZ Car Insurance Product Disclosure Statement – issued by CGU Insurance
• ANZ Car Insurance Target Market Determination – issued by CGU Insurance
• ANZ Car Premium, Excess, Discount and Options Guide – issued by CGU Insurance

Ezicover Life Insurance

• Ezicover Life Insurance Product Disclosure Statement (PDF)
• Target Market Determination (PDF)

Ezicover Income Protection

• Ezicover Income Protection Product Disclosure Statement (PDF)
• Ezicover Income Protection Target Market Determination (PDF)

ANZ Home Loan Protection

• ANZ Home Loan Protection Product Disclosure Statement (PDF)
• ANZ Home Loan Protection Product Disclosure Statement Update (PDF)

Important information

This information is current as at date of publication and is subject to change.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF) , ANZ Home Building Key Facts Sheet (PDF) , ANZ Home Contents Key Facts Sheet (PDF) , ANZ Home Insurance Target Market Determination (PDF) , ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14 ), before deciding whether to acquire, or to continue to hold, this product.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF) , ANZ Landlord Insurance Target Market Determination (PDF) , ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14 ) before deciding whether to acquire, or to continue to hold, this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF) , ANZ Car Insurance Target Market Determination (PDF) , ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14 ) before deciding whether to acquire, or to continue to hold, this product.

The issuer of this information is ANZ. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information.

The Ezicover insurance products described on this website are issued by Zurich Australia Limited (Zurich), ABN 92 000 010 195, AFSL 232510 of 118 Mount Street, North Sydney, NSW 2060. Ezicover is a registered trademark of Zurich. ANZ has entered into a long-term strategic alliance agreement with Zurich. The content on this page relates to policies issued from 27 September 2021 under the Ezicover Life Insurance Product Disclosure Statement (PDF) . Please read the PDS and Target Market Determination (PDF) before applying. If you buy a Zurich Ezicover policy ANZ receives 20% commission (excluding government charges) of your insurance premium.

ANZ Home Loan Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the  ANZ Financial Services Guide (PDF)  and the  ANZ Home Loan Protection Product Disclosure Statement and Policy Document (PDF)  (available online or by calling  13 16 14 ) before deciding whether to continue to hold this product.

ANZ Mortgage Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 for the Life Benefit and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the  ANZ Financial Services Guide (PDF)   and the   ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF)   (available online or by calling  13 16 14 ) before deciding whether to continue to hold this product.

Zurich’s life insurance advice service is provided by Zurich Assure Australia Pty Limited ABN 58 657 804 736, AFSL 538863.

Zurich Australia are committed to following the Life Insurance Code of Practice (the Code) and have adopted all of its requirements. The Code sets out the insurer’s obligations to consumers during all stages of the life insurance process including:

• when you buy a policy, make a claim or deal with Zurich;
• when Zurich deals with claims, complaints and requests for information;
• when Zurich helps you if you experience financial hardship or need extra support.

As a subscriber to the Code, Zurich make a number of key promises to consumers, including commitments to be honest, respectful and clear in all our interactions and communications. The Code also requires subscribers to be fair, timely, transparent and accountable when providing services. If you would like to find out more about the Code, a copy can be found on Zurich’s website ( Life Insurance Code of Practice - Zurich Australia ).

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527) is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributes these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Travel Insurance vs. Travel Health Insurance: What’s the Difference?

We’re also here to help before you leave on your trip. If you’re not sure which travel insurance plan is right for you, our customer service team can explain the different plans and benefits. Stay safe, and travel happy!

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The pitfalls of travel insurance for older travellers - Diana Clement

Diana Clement

Many people want to travel following their retirement, but there are fishhooks with insurance.

THREE KEY FACTS

• Premiums for travel insurance policies often get more expensive as a person ages.
• Credit card travel insurance has an upper age limit for free cover.
• Pre-existing conditions need to be declared.

Diana Clement is a freelance journalist who has written a column for the Herald since 2004. Before that, she was personal finance editor for the Sunday Business (now The Business) newspaper in London.

For many Kiwis, it’s a life-long dream to travel the world once they retire. As people age, however, travel insurance can become trickier.

Whether they’re 18 or 80, everyone who travels needs travel insurance, be it a standalone policy or credit card travel insurance*. Kiwi travellers have found themselves racking up tens or even hundreds of thousands of dollars of bills in hospital care and repatriation for accidents and illnesses overseas.

Some recent claims that Southern Cross Travel Insurance (SCTI) paid out on included: $41,000 for an 80-year-old who slipped on a wet marble floor getting out of a hotel shower in Italy, and a 69-year-old who fell backwards at his hotel, injuring his back. The emergency air ambulance and hospital care added up to $256,959. It’s not limited to age. A 10-year-old who had a skiing accident in the US had a $406,000 claim.

The problem for some potential travellers is premiums for travel insurance policies often get more expensive as a person ages. Credit card travel insurance generally has an upper age limit for free cover, and anyone over 75 or 80 has to pay extra to be covered. The BNZ Platinum card travel insurance, for example, has an upper age of 75 as standard, although travellers can pay from $100 to get cover over that age.

Just how old someone can be and still get travel insurance cover is quite surprising. SCTI insured a 103-year-old for overseas travel in the past few years.

Whether it’s standalone or credit card cover, pre-existing conditions need to be declared and an additional premium paid. Pre-existing means something someone has experienced symptoms of, even if the actual condition hasn’t been diagnosed, it’s under control with medication, or there is no need for medication.

Allianz sales director David Wallace recommended older travellers go through a screening process where they answer questions that might identify pre-existing conditions. This helps policyholders make sure they’re covered and don’t accidentally fail to declare something that leads to a declined claim. Customers can do that with both standalone and credit card travel insurance. Allianz offers both types of policies.

Being assessed and paying the extra premium is well worth it. Falling ill overseas can be a very costly business. The risk of not having travel insurance is too great.

Travel insurance for older people isn’t cheap, and realistically some people won’t be able to afford it, which means they can’t travel. Given what can go wrong on trips, anyone who can’t afford travel insurance can’t afford to travel, said Wallace.

The cost of travel insurance for older people isn’t always off the scale. To put the cost into perspective, one 81-year-old currently travelling for six weeks in Germany paid $1400 for WorldCare Travel Insurance underwritten by Allianz. The premium included an additional $147 premium to cover Parkinson’s disease, which was a pre-existing condition. The policy had unlimited medical cover, baggage, cancellation, and all the regular risks covered by travel insurance. Like any policy at any age, travellers need to read it carefully, said Wallace.

One option for people trying to reduce premiums is to get international medical cover only. SCTI offers this sort of cover, for people who feel they want the security of medical cover overseas but could forgo cover for lost belongings and travel disruption. It means, however, they’re not covered for rare but possible risks such as hijacking or hire car excesses that are covered by some comprehensive and credit card policies.

An online quote from SCTI for an 81-year-old travelling for one month to Thailand and Vietnam before declaring pre-existing conditions cost $495.82 for international medical only. The equivalent fully comprehensive policy was $876.02. Frequent travellers could pay $1329.33 for annual cover with a maximum duration of 30 days per trip, or $1621.13 for 90 days per trip. Additional premiums would need to be paid for pre-existing conditions.

People who plan to travel for more than 12 months or to work while overseas, even as a volunteer, should get specialist advice. Expatriate and long-term OE cover is available, although being of an older age could make it problematic. An independent insurance adviser who specialises in this type of cover can make recommendations.

*Anyone looking to use credit card travel insurance needs to make sure the cover is activated each trip. That usually means paying for the travel using the card in question.

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