Seniors Travel Insurance

What are the Key Benefits of Our Travel Insurance Policies for Seniors?

 

Our policies offer a range of benefits to help older travellers enjoy low-pressure adventures. Benefits include (subject to sub-limits, terms, conditions or exclusions):

• Comprehensive Medical Coverage: Available on our Single Trip and Cruise policies, this benefit covers unlimited overseas medical expenses. This includes hospital stays, and medical evacuation if required. It ensures access to quality healthcare if you have unexpected health issues during your trip.
• Pre-Existing Medical Conditions: Tick can provide coverage for pre-existing conditions with Standard and Top level of cover. Simply declare any existing conditions during the application process. Once assessed and accepted by us you’ll be covered for your specific health needs.
• 24/7 Emergency Assistance: We provide around-the-clock support for medical and other emergencies. Simply call our friendly team anywhere, anytime on +61 2 9333 3963. You’ll never feel stranded or unsupported with Tick by your side.
• Trip Cancellations and Interruptions: Our policies can reimburse prepaid, non-refundable travel bookings up to $20,000 if you need to cancel or reschedule your trip due to an unforeseen circumstance.
• Baggage and Personal Belongings: Our policies offer protection against loss, theft, or damage to your belongings up to $7,500 (top level of cover). Whether it’s your luggage, valuables, or essential items, we can cover replacement or reimbursement without additional stress.
• Travel Delay Benefits: Our Standard and Top policies can cover you for expenses such as meals and accommodation for up to $500 or $1,000, respectively, in the event of extended delays. 
• Rental Car Excess Waiver: Planning on exploring by road? Our policies can cover the excess on rental car damage claims up to $4,000.
• Natural Disaster Protection: Provides protection for cancellations, disruptions, or additional expenses caused by natural disasters. Simply purchase the natural disaster upgrade to be covered for up to $20,000 of cancellation expenses in our Top level of cover.

How to Ensure You Have the Right Level of Cover

 

1. Basic Cover: Our entry-level plan covers essential needs. It includes cover for overseas medical emergencies, baggage and personal effects and trip cancellation. It’s an affordable option offering essential protection.
2. Budget Cover: This policy builds on our Basic cover and offers additional coverage for baggage and personal belongings, making it suitable for short trips or domestic travel.
3. Standard Cover: Our Standard plan expands on the Basic cover. It includes enhanced benefits such as trip interruption, personal liability, and higher claim limits. It also includes additional benefits for rental car excess and cover for accidental death and permanent disability. It offers a lot of benefits, but without the price tag. 
4. Top Cover: Our most comprehensive plan provides the most extensive coverage. Top cover includes all the benefits from the Standard cover, with higher limits. It also includes benefits for pet care, if your trip is delayed and you need to extend boarding for your furry friend. 

What are Extra Options and Policy Upgrades?

 

• Winter Sports Cover: For adventurous seniors planning skiing or snowboarding holidays! This upgrade provides coverage for medical emergencies, equipment damage, and other winter sports-related incidents.
• Natural Disasters Cover: This option eliminates the excess fee on claims. You won’t pay any excess, and you receive  full reimbursement for covered events.
• Excess Waiver Option: You can choose to eliminate the standard excess on claims, saving you from out-of-pocket costs if you need to make a claim.
• Additional Baggage Cover: Increases the claim limits for high-value items such as jewellery, electronics, or specialised medical equipment, ensuring these items are adequately protected during your trip.

Why Buy Your Policy From Tick Travel Insurance?

 

• Trusted by Thousands of Travellers: With over 1,500 5-star reviews on Product Review.
• Award-Winning Customer Support: We’re here to help! We’ve won the Gold Trusted Service award from Feefo and Customer Satisfaction award from Finder.
• Highly Rated Policies: You can choose to eliminate the standard excess on claims, saving you from out-of-pocket costs if you need to make a claim.
• 24/7 Global Assistance: Access a knowledgeable support team anytime, anywhere.
• Easy Online Claims Process: Submit claims easily through our online platform, even while still travelling, for a stress-free experience.

What should travellers aged 60-69 consider when choosing travel insurance?

 

• Straightforward Application: Policies generally cover seniors up to age 69 without requiring additional assessments, making the application process straightforward.
• Pre-existing Medical Conditions: Coverage for pre-existing medical conditions is essential. Ensure coverage for pre-existing conditions by disclosing all conditions at the application.
• Trip Duration: Some policies have restrictions on the maximum travel time for those over 64. Verify that the policy allows enough time for extended trips, whether domestic or international.
• Prioritise Medical Coverage: Emergency medical coverage, including evacuation, should be prioritised to address any potential health emergencies during the trip.
• Trip Cancellation Benefits: Ensure your policy covers trip cancellation and interruption. This is particularly important for high-value bookings or travel plans involving multiple reservations.
• Cover for Medical Equipment: Consider optional upgrades such as additional baggage cover if carrying valuables or essential medical equipment.
• Cruise-Specific Policies: For cruise holidays, ensure that you are covered under Tick’s Cruise policy, and that you meet the terms of coverage.
• Confirm Policy Inclusions: Read the Product Disclosure Statement and Target Market Determination carefully to confirm the eligibility of cover, policy inclusions, exclusions, and claim limits.

What’s Not Covered?

 

• Travelling Against Medical Advice: You may not be covered if you travel against the recommendations of your doctor 
• Undeclared Pre-Existing Conditions: Medical issues that were not disclosed or approved during the application process will not be covered under the policy
• Travel Against Government Advice: You are not covered if you travel to destinations that are subject to “do not travel” advice from the Australian Government. Check Smartraveller for more information.
• Unattended Belongings: You may not be covered if your bags are stolen or lost as a result of leaving them unattended or failing to take reasonable care of your belongings
• Known Events Before Policy Purchase: Claims arising from unattended belongings or failing to take reasonable precautions to secure your items may not be covered.

How to Buy Travel Insurance from Tick

 

1. Use Our Online Quoting Tool: Type in your key details including the type of policy, destination, dates of travel and traveller’s age and click “get a price”.
2. Customise your policy with the level of cover and upgrades 
3. Add your contact details and let us know about any pre-existing medical conditions
4. Review your policy details, including terms and conditions
5. Enter your payment details: You can pay using any major credit card and PayPal with no extra fees!