• do you cover covid?

• 1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas. However, at this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus. Read more in our Covid help centre.

• is Seniors travel Insurance a separate policy?

• No, we do not have a separate policy for seniors. Just put the age you are now into the quote form and you will be able to pick a plan tailored to your details and your trip. 

• What age Limits apply to travel insurance cover?

• Our comprehensive policies have no age limit. Our annual multi-trip policies cover those 64 years and under.

• Can I Buy travel insurance for over 80?

• Yes, Our comprehensive policies have no age limit. Our annual multi-trip policies cover those 64 years and under.

• can i get Travel insurance for cruising as a Senior?

• Yes. Things like medical costs can really blow out on a cruise, so a Cruise Pack is required to be covered for anything that happens at sea internationally and domestically. You need to tell us about each country you’ll be visiting on your cruise to be covered for those countries. 

• Do I need Travel Insurance for a Domestic Cruise?

• Once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by Medicare and private health when you leave the boat for cruise excursions.
  
  If you want medical travel insurance on your domestic cruise, you’ll need to purchase a Cruise Pack to cover you. If you’re taking a cruise within Australian waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "Australia Cruise" as the destination/region. You can find out more about choosing your cruise region here.

• What Is A Pre-Existing Medical Condition?

• A pre-existing medical condition is a condition you have at the time of buying your policy. You must declare any existing conditions when purchasing cover or it could affect a claim later. See our pre-existing medical conditions page for more information. 

• Which Pre-Existing Medical Conditions are not covered?

• We do not cover if you are travelling against medical advice or been given a terminal diagnosis. If you are awaiting surgery, treatment, investigation or procedures for any current or yet to be diagnosed health conditions. Or for cosmetic surgery or fertility treatment. If you have a medical conditon it will need to be assessed. Some conditions will require an additional premium for your pre-existing condition to be covered. You will find this out after completing the online medical assessment which you'll find when going through the steps to buy cover online. 

• If I can’t get cover for my pre-existing medical condition, can I still buy a policy?

• During the purchase process, you can fill out a short medical questionnaire which will tell you whether you’re covered or not.
  If your condition is not covered, you may still be able to purchase travel insurance that will cover you for events not related to your condition. If we can't cover your condition, it means that anyone under your policy would not be able to claim for any costs arising from, related to, or associated with, your pre-existing medical condition/s.

• does travel insurance cover for a stoke, cancer or pulmonary embolism?

• Travel insurance can cover a range of conditions, but each will be assessed on a case by case basis. When getting a quote, complete the medical assessment and answer all the questions and you'll receive an answer as to whether your condition can be covered. 

• Am I covered for stopovers?

• You need to include all destinations you're travelling to, apart from stopovers of less than two nights – except the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.

• do you cover for senior relatives?

• Note that 1Cover policies have a general exclusion for relatives aged over 85 years. We cannot cover for cancellation fees or lost deposits that arise because of the Death, Injury or Illness of a Relative aged 85 and over.

• what is the best travel insurance for seniors?

• When you're in your golden years, you want to make sure you're properly protected so you can really let your hair down when you travel. To ensure you're getting the best cover, make sure you have comprehensive cover for medical treatment overseas, and pre-trip cancellation in case an unforseen event caused you to cancel unexpectedly. If your belongings are important to you, a decent amount of luggage protection is smart. Make sure the insurance you purchase includes cover for your pre-existing medical conditions and always read the policy wording to understand the terms and exclusions that apply.

• how can seniors get cheap travel insurance?

• The cost of travel insurance is really all to do with risk. The price is determined on where you travel, how long you go for and your age. Often older travellers do incur higher premiums for their cover, but this is a small price to pay if you consider the cost of medical treatment overseas. You can save by purchasing annual cover, comparing your options, taking shorter trips. But really if you can't afford travel insurance, you can't afford to travel.

• do I Need travel insurance for domestic trips?

• Many people assume they don’t need domestic travel insurance because of Medicare. But there are still plenty of things that can go wrong on a domestic trip: lost luggage, or cancelled plans due to flight delays/cancellations, natural disasters like bushfires, or other unforeseen circumstances.

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