Travel Insurance for Over 50s
Please read the Target Market Determination and Product Disclosure Statement
- Can cover over 1300 different pre-existing medical conditions
- Unlimited emergency medical expenses cover available
- 24/7 emergency medical helpline available
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What is over 50s Travel Insurance?
Over 50s Travel Insurance is financial cover you can purchase when travelling domestically or overseas. It can cover things like emergency medical costs, trip cancellation costs, rental vehicle insurance excess and more.
At AllClear, our goal is to break down the barriers to getting cover for your travels. That’s why we offer tailored Travel Insurance for seniors, with no upper age limit. We also provide cover for over 1300 pre-existing medical conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.

Why is over 50s Travel Insurance important?
Travel Insurance for over 50s is vital for a number of reasons. When you reach this stage in your life, you can become more susceptible to health episodes. If medical incidents occur overseas, you could face significant costs.
With the right Travel Insurance cover, these expenses can be covered.
Travel insurance also offers peace of mind for other incidents that might occur on your journey. For example, if your trip is cancelled for a covered reason, or you incur costs due to flight delays.
Travel insurance is an important element of any trip to ensure you can enjoy your travels.

Why choose AllClear for over 50s Travel Insurance?
AllClear is an excellent choice for securing over 50s Travel Insurance. Our policies offer comprehensive cover with no maximum age limit and a range of additional benefits.
Secure your AllClear Travel Insurance policy today and get the cover you need to travel with confidence.
- There is no upper age limit on our cover.
- We offer cover for over 1300 pre-existing medical conditions.
- We offer unlimited medical cover and a 24/7 medical emergency helpline.
- Since 2000, we’ve helped cover over 3.5M people worldwide, travelling to destinations all around the world.
- 94% of customers rate us as ‘Great’ or ‘Excellent’¹.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear's over 50s Travel Insurance cover?
Our policies provide cover for a wide range of events that may disrupt your journey, providing the peace of mind you need to truly enjoy your holiday.
What's covered?
Cover for the costs of tests, medications and procedures needed to treat illnesses or injuries while you're travelling. Our cover also includes the costs of repatriation to bring you back home.
If an unexpected event means you have to cancel your trip before you go, you'll be covered for flight and accommodation costs.
Cover for emergencies that mean you have to return home early.
We'll provide compensation for extra costs incurred for flight delays.
Cover for stolen or lost baggage and belongings.
Cover for legal costs to claim compensation for incidents during your trip.
We have no upper age limit on our travel insurance policies. You can travel with peace of mind, no matter your age.
What’s not covered?
For most claims, you aren't covered for the travel insurance excess.
When you purchase a policy, you'll select a region of designated cover. You won't be covered for incidents occurring outside this region.
You won't be covered for a travel insurance claim if it relates to events or issues you knew about before buying your insurance, or booking any individual trip.
When purchasing your travel insurance, be sure to declare all of your pre-existing conditions. We aren't able to provide cover for conditions you don't declare.
You’re only covered if a trip is cancelled for reasons outlined in the policy terms and conditions. You are not covered if you cancel your trip because you simply change your mind.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
How to find the best Travel Insurance for over 50s
With our range of policy options, it's simple to find the right over 50s Travel Insurance policy for you.

Annual Multi-trip Travel Insurance
If you have several trips planned in a 12-month period, you can save time and money with annual multi-trip Travel Insurance.

Single Trip Travel Insurance
This policy offers cover for a single trip, making it the perfect choice for more infrequent travellers.
Over 50s Travel Insurance, tailored for every holiday
Get a policy tailored to your unique travelling needs.

Pre-existing Medical Conditions
Cover for over 1300 pre-existing medical conditions.

Cruise Travel Insurance
Our cruise cover adds peace of mind for cabin confinement, missed ports, and more.

Seniors Travel Insurance
Our seniors policies make sure you are properly protected, with no upper age limit.
Get your Travel Insurance quote
Travel with confidence

Over 50s Travel Insurance for pre-existing medical conditions
Our mission is to help as many people as possible explore the world. That's why we offer Travel Insurance cover for over 1300 medical conditions, enabling you to travel with confidence.
When purchasing your travel insurance, you will be able to declare your pre-existing medical conditions with our straightforward screening process. This can be done online or over the phone.
Some of the major conditions we cover are:

Medical emergency expenses cover
We provide cover for emergency overseas medical expenses that may arise on your journey. This includes expenses resulting from your declared pre-existing medical conditions, or injuries you suffer on your journey.
For example, if you're injured in a motor vehicle accident or while participating in a covered activity, we can offer financial support. When travelling overseas, this cover is crucial for avoiding financial hardship.
We also offer cover for repatriation or evacuation costs you incur. In addition, we offer a 24/7 emergency medical helpline.
For more information on our medical treatment cover and exclusions, please see our product disclosure statement.

How much does Travel Insurance for over 50s cost?
When purchasing travel insurance, your quote will depend on a number of factors, including:
- Your medical conditions: Your answers on the medical screening questions will help determine your premium.
- Trip length: Longer trips usually mean higher premiums, as there's more time for incidents to occur.
- Destinations: Travelling to different countries may increase your insurance cost.
- Type of cover: Optional extras can add to your policy price.
You can get an online quote or call our team to find out how much Travel Insurance will cost for your needs.
Get your Travel Insurance quote
Travel with confidence

Over 50s cruise Travel Insurance
Cruises are a fun and relaxing holiday for over 50s. However, you also need to make sure you're covered in case things go wrong at sea.
AllClear's Cruise Travel Insurance includes:
- Cabin confinement cover if you need to stay in your room due to illness.
- Missed port cover. This applies if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
With this cover, you can enjoy the relaxing cruise holiday of your dreams.
Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to find the cover that's right for you.

Over 50s travel tips
To ensure your travels go off without a hitch, consider tips like:
- Get Travel Insurance: Travel insurance is essential to enjoy peace of mind on your travels.
- Discounts: There are plenty of opportunities to score a discount on tours, cruises and accommodation if you've over 50. This can be a great way to enjoy your holiday for less.
- The right luggage: Before setting out on your travels, make sure you have convenient, lightweight luggage at your disposal. Wheeled luggage can add a lot of comfort to your journey.
- Accommodation: If you have any mobility limitations, look out for convenient accommodation with accessibility in mind. By thinking ahead, you can avoid accessibility issues arising during your trip.

Great travel destinations for over 50s
Need a little inspiration for your over 50s getaway? Here are some top destinations to consider:
- Canada: Canada is a country with great variety. It's home to cities like Toronto and Montreal as well as sweeping landscapes. It's the perfect option for a relaxed yet enriching trip.
- France: France is the most visited country in the world for good reason. From seaside getaways to unforgettable wine tours, it's the ideal spot for just about any style of holiday.
- Portugal: Portugal is just as beautiful as any other European country while being a little less crowded than its neighbours. Cities like Lisbon and Porto are great choices for an over 50s getaway.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert Travel Insurance guidance from our team

"As a traveller over the age of 50, it's vital to have the right Travel Insurance cover for your journey. For complete peace of mind, you'll want a comprehensive policy that includes pre-existing medical conditions.
For over 50s, AllClear Travel Insurance is an excellent choice. AllClear has no upper age limit on its policies, and offers cover for over 1300 pre-existing medical conditions. With flexible policy options, securing AllClear Travel Insurance will help you prepare for the unexpected."
What our customers say
"Staff member I spoke with was very co-operative and helpful."
see full reviewFAQs
Is there an upper age limit on AllClear Travel Insurance policies?
There is no upper age limit on AllClear Travel Insurance policies, helping more Australians to travel with the cover they need.
Does over 50s Travel Insurance cover rental vehicle insurance excess?
AllClear Travel Insurance covers rental vehicle excess if your rental vehicle is involved in a motor vehicle accident while you are driving. It also provides cover for incidents where your vehicle is damaged or stolen while in your custody.
Please note that rules around rental vehicle insurance excess can vary significantly from one insurer to another. Be sure to consult your policy statement so you know specifically what you're covered for.
Do you need Travel Insurance?
Travel insurance is not a legal requirement, but it is very important for providing peace of mind on your travels. From medical emergencies to trip cancellations to travel delays, it allows you to relax on your journey, knowing you won't face financial hardship if things go wrong.
Is Single Trip or Annual Multi-Trip Travel Insurance right for you?
If you only have a single trip planned in a 12-month period, single trip Travel Insurance is right for you. You'll receive cover from the day you depart to the day you return.
If you have multiple trips planned in a 12-month period, multi-trip Travel Insurance may be a better choice. With this policy, you could save money compared to purchasing multiple single-trip policies.
What does over 50s Travel Insurance not cover?
Over 50s Travel Insurance typically doesn't cover occurrences like:
- Travel to places with government travel warnings.
- Reckless behaviour.
- Events you knew about before buying your policy.
Make sure you are completely familiar with your policy terms so you know what you are and aren't covered for.
When should you get Travel Insurance?
It's recommended to purchase travel insurance as early as you can after booking your trip. This ensures that you're covered for cancellations resulting from unexpected events before you depart.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence
1. Based on 1,718 Trustpilot responses as of March 2025.