A couple of weeks ago I was on Newstalk ZB radio for an hour chatting about travel with the many callers who phoned in. We got onto the topic of travel insurance for seniors as several callers explained they wanted to take a cruise or visit family or take that once-in-a-lifetime holiday but couldn’t get travel insurance because of their age and their pre-existing conditions.
I promised to do some research and here are my findings on who covers the grey gallivanters as they seek to see the world!
As a disclaimer, I am an affiliate seller of 1 Cover travel insurance. That means if you click on to their website through this site and you go ahead and book, I will get paid a small percentage. However, I called them to ask about insurance for seniors (not telling them I also sold their insurance) and said I’d heard they were one company who wouldn’t cover one of my callers that day. “I’m reaallllly sorry,” said the girl on the end of the phone “but it’s on a case by case basis.” She couldn’t be bothered offering any more info. So I dug a bit further and see they have a section on their website saying they cover 34 pre-existing medical conditions which you can read here >>
This company proudly promotes their coverage of the “grey nomad”. They let you fill out your application form online using an online medical assessment tool and allow pre-existing conditions without having to visit your doctor. From memory, this company did cover one of the listeners who texted or emailed in to let us know they were successfully covered. Of course, you are going to pay more with each ailment, but that looks like it’s clearly spelt out as you go through the application.
NZ Seniors Insurance Agency
This is another website to check out. They call themselves the “over 50s specialists” and offer cover up to 89 years. (Bugger, that means poor Great Aunty Edith isn’t going to be able to visit her new great grandchild in Brisbane this year!) They also cover selected pre-existing medical conditions for 75s and under and offer an annual policy which might be worth getting if you like to whiz away a few times a year and don’t want this insurance palaver each time!
Southern Cross Travel Insurance
Their website says that pre-existing conditions are excluded from their cover, however I have included the link above (behind their name) where you can fill out an online medical assessment during the application process and if you name a condition that they cover, you’ll be able to provide more information and be presented with an answer (and an additional cost) right away.
I hope you get some joy from these four websites, but if all that fails have a look here at www.comparetravelinsurance.co.nz where they’ve also done a bunch of research for senior travel insurers for you.
And if you have found a company that has covered pre-existing conditions please give them a shout out by letting me know in the comments below!