{"id":101476,"date":"2026-10-04T17:57:46","date_gmt":"2026-10-04T07:27:46","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=101476"},"modified":"2026-11-04T12:17:36","modified_gmt":"2026-11-04T01:47:36","slug":"best-travel-insurance-for-over-70s","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-70s\/","title":{"rendered":"Best Travel Insurance for Over 70s in Australia: Compared"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Turning 70 doesn&#8217;t lock you out of travel insurance, but it quietly reshapes your options. Some insurers stop selling to you on your 70th birthday. Others keep you on but shorten the trips they&#8217;ll cover, drop you from their annual plan at 75, or hit you with a higher excess. Most of this sits in the Target Market Determination or PDS, not on the quote page. Here&#8217;s what actually changes through your 70s, which insurers still compete hard for your business, and the fine print worth checking before you pay.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<!-- TCM Quick Answer card (tcm-qa-), replaces key takeaways -->\n<style>.tcm-qa{border:1px solid #e4e7f0;border-radius:14px;overflow:hidden;background:#fff;margin:0 0 28px;box-shadow:0 2px 10px rgba(10,31,92,.06)}.tcm-qa__head{background:#0a1f5c;color:#fff;padding:12px 20px;display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.tcm-qa__head i{color:#b8992e;font-size:18px}.tcm-qa__pick{padding:20px;border-left:4px solid #b8992e;border-bottom:1px solid #eef0f6;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.tcm-qa__body{flex:1 1 280px}.tcm-qa__label{font-size:12px;font-weight:700;color:#b8992e;text-transform:uppercase;letter-spacing:.06em;margin:0 0 4px}.tcm-qa__name{font-size:20px;font-weight:800;color:#0a1f5c;margin:0 0 4px;line-height:1.25}.tcm-qa__why{font-size:15px;color:#3a4256;margin:0;line-height:1.5}.tcm-qa__alts{display:grid;grid-template-columns:1fr 1fr}.tcm-qa__alt{padding:16px 20px;display:flex;flex-direction:column;gap:12px;justify-content:space-between}.tcm-qa__alt+.tcm-qa__alt{border-left:1px solid #eef0f6}.tcm-qa__alt .tcm-qa__name{font-size:16px}.tcm-qa__alt .tcm-qa__why{font-size:14px}.tcm-qa a.tcm-qa__btn{display:inline-block;align-self:flex-start;background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important;text-decoration:none!important;font-weight:700;font-size:14px;line-height:1.2;padding:11px 18px;border-radius:8px;white-space:nowrap}.tcm-qa a.tcm-qa__btn:hover{background:#b8992e!important}.tcm-qa a.tcm-qa__btn--alt{background:#fff!important;color:#0a1f5c!important;-webkit-text-fill-color:#0a1f5c!important;border:1.5px solid #0a1f5c}.tcm-qa a.tcm-qa__btn--alt:hover{background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important}@media(max-width:640px){.tcm-qa__alts{grid-template-columns:1fr}.tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}.tcm-qa a.tcm-qa__btn{display:block;width:100%;text-align:center;box-sizing:border-box}}<\/style><div class=\"tcm-qa\"><div class=\"tcm-qa__head\"><i class=\"ti ti-bolt\" aria-hidden=\"true\"><\/i>Quick answer<\/div><div class=\"tcm-qa__pick\"><div class=\"tcm-qa__body\"><p class=\"tcm-qa__label\">Our pick for travellers in their 70s<\/p><p class=\"tcm-qa__name\">AllClear<\/p><p class=\"tcm-qa__why\">No upper age limit and 1,300+ conditions considered, so a birthday or a diagnosis won\u2019t rule you out. From 70, annual-plan trips are capped at 31 days.<\/p><\/div><a class=\"tcm-qa__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\">Get an AllClear quote<\/a><\/div><div class=\"tcm-qa__alts\"><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Southern Cross Travel Insurance<\/p><p class=\"tcm-qa__why\">Annual cover with an age limit of 118, and trips of 30, 60 or 90 days.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Cover-More<\/p><p class=\"tcm-qa__why\">Mainstream cover to age 99, subject to acceptance criteria when you buy.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Shopping for someone in a different age bracket? Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">seniors travel insurance guide<\/a> covers travellers from 65, and our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-80s\/\">over 80s guide<\/a> covers what changes after 80, including <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-80s\/#what-it-costs\">real quotes for an 83-year-old with a heart condition<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Changes When You Turn 70 (and Again at 75)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest shifts in your 70s come at three birthdays: 70, 75 and 80. Knowing which one you&#8217;re approaching tells you which insurers to shortlist and whether an annual plan still makes sense.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">Age<\/th><th class=\"has-text-align-left\" data-align=\"left\">What typically changes<\/th><th class=\"has-text-align-left\" data-align=\"left\">Examples<\/th><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">70<\/td><td class=\"has-text-align-left\" data-align=\"left\">Adventure-focused and budget brands drop off; annual plan trip lengths shrink<\/td><td class=\"has-text-align-left\" data-align=\"left\">World Nomads only sells to Australians aged 69 or under. AllClear&#8217;s annual plan trip cap falls from 45 to 31 days.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">75<\/td><td class=\"has-text-align-left\" data-align=\"left\">Many annual multi-trip plans close to new buyers; some brands stop selling altogether<\/td><td class=\"has-text-align-left\" data-align=\"left\"><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">79 to 80<\/td><td class=\"has-text-align-left\" data-align=\"left\">Lower-cost tiers and most credit card cover end<\/td><td class=\"has-text-align-left\" data-align=\"left\">Tick&#8217;s Budget tier stops at 79. Most complimentary card policies cut off at 79 or 80.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Two things carry through the whole decade. Insurers price on your age at the date the policy is issued, so buying a week before a birthday can matter. And a higher excess for older age bands often applies on <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/\">medical claims<\/a> even when the premium looks reasonable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare Travel Insurance for Over 70s at a Glance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Max age (single trip)<\/th><th class=\"has-text-align-left\" data-align=\"left\">What to check in your 70s<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best for<\/th><th class=\"has-text-align-left\" data-align=\"left\">Quote<\/th><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">No upper age limit (call if over 99)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Annual Gold plans cap trips at 31 days from 70<\/td><td class=\"has-text-align-left\" data-align=\"left\">Complex or multiple medical conditions<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 99<\/td><td class=\"has-text-align-left\" data-align=\"left\">Acceptance depends on age at purchase, destination and trip length<\/td><td class=\"has-text-align-left\" data-align=\"left\">Mainstream comprehensive cover<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 118<\/td><td class=\"has-text-align-left\" data-align=\"left\">Annual plan available with 30, 60 or 90 day trip options<\/td><td class=\"has-text-align-left\" data-align=\"left\">Annual cover that lasts through your 70s<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\">WAS<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 99<\/td><td class=\"has-text-align-left\" data-align=\"left\">Conditions considered subject to disclosure<\/td><td class=\"has-text-align-left\" data-align=\"left\">Active travellers wanting flexible add-ons<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/wastravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 99<\/td><td class=\"has-text-align-left\" data-align=\"left\">Confirm medical cover limits for your age band in the PDS<\/td><td class=\"has-text-align-left\" data-align=\"left\">App-based cover you can switch on per activity<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/fast-cover-promo-code\/\">Fast Cover<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">89 and under<\/td><td class=\"has-text-align-left\" data-align=\"left\">Check the excess that applies to your age band<\/td><td class=\"has-text-align-left\" data-align=\"left\">Straightforward comprehensive cover<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/fastcover\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\" target=\"_blank\" rel=\"noopener\">Zoom<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 85 (Comprehensive)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Medical Only tier stops at 69<\/td><td class=\"has-text-align-left\" data-align=\"left\">Grandparents travelling with grandkids<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to 100 (Standard and Top)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Budget tier stops at 79; trips beyond the Pacific capped at 90 days from 65<\/td><td class=\"has-text-align-left\" data-align=\"left\">Lower-cost cover with simple health<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/world-nomads-travel-insurance-discount-code\/\">World Nomads<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">69 and under<\/td><td class=\"has-text-align-left\" data-align=\"left\">Not available from 70<\/td><td class=\"has-text-align-left\" data-align=\"left\">Not suitable for over 70s<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/worldnomads\" target=\"_blank\" rel=\"noopener nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Table compiled 4 October 2026. Age limits and acceptance criteria change, so confirm the current figure on the insurer&#8217;s own quote page before buying.<\/em><\/p>\n\n\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; }\n\n  \/* Header: logo + headline *\/\n  .tcm-sp__head { display: flex; 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}\n\n  html body .tcm-sp a.tcm-sp__btn-alt,\n  html body .tcm-sp a.tcm-sp__btn-alt:link,\n  html body .tcm-sp a.tcm-sp__btn-alt:visited,\n  html body .tcm-sp a.tcm-sp__btn-alt:hover,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus,\n  html body .tcm-sp a.tcm-sp__btn-alt:active {\n    display: inline-block;\n    background: transparent !important;\n    background-image: none !important;\n    color: var(--sp-ink) !important;\n    -webkit-text-fill-color: var(--sp-ink) !important;\n    font-size: 15px !important;\n    font-weight: 600 !important;\n    line-height: 1.2 !important;\n    padding: 13px 22px !important;\n    border: 1px solid var(--sp-ink) !important;\n    border-radius: 8px;\n    text-decoration: none !important;\n    text-shadow: none !important;\n    box-shadow: none !important;\n  }\n  html body .tcm-sp a.tcm-sp__btn-alt:hover { background: var(--sp-panel) !important; }\n\n  html body .tcm-sp a.tcm-sp__btn span,\n  html body .tcm-sp a.tcm-sp__btn-alt span { text-decoration: none !important; }\n  html body .tcm-sp a.tcm-sp__btn:focus-visible,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus-visible { outline: 3px solid var(--sp-focus) !important; outline-offset: 3px; }\n\n  \/* Tablet and mobile *\/\n  @media (max-width: 640px) {\n    .tcm-sp { padding: 22px 18px 20px !important; }\n    .tcm-sp__head { flex-direction: column; align-items: flex-start; gap: 14px; }\n    .tcm-sp__logo { flex-basis: auto; width: 128px; height: 66px; }\n    .tcm-sp h3.tcm-sp__title { font-size: 20px !important; }\n    .tcm-sp ul.tcm-sp__perks { grid-template-columns: 1fr; }\n    .tcm-sp ul.tcm-sp__perks li {\n      display: flex;\n      align-items: baseline;\n      gap: 14px;\n      padding: 12px 16px !important;\n      border-left: 0;\n      border-top: 1px solid var(--sp-rule);\n    }\n    .tcm-sp ul.tcm-sp__perks li:first-child { border-top: 0; }\n    .tcm-sp__perks strong { flex: 0 0 122px; font-size: 22px; margin: 0; }\n    .tcm-sp__foot { flex-direction: column; align-items: stretch; }\n    html body .tcm-sp a.tcm-sp__btn,\n    html body .tcm-sp a.tcm-sp__btn-alt { text-align: center; }\n  }\n<\/style>\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/southern-cross-travel-insurance-promo-codes-feature-image-4.jpg\" alt=\"Southern Cross Travel Insurance\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> Annual cover that lasts through your 70s<\/p>\n      <h3 class=\"tcm-sp__title\">One policy for every trip, with no age cut-off at 75<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>118<\/strong>\n      <span>Age limit, so turning 75 or 80 won\u2019t close the door on cover<\/span>\n    <\/li>\n    <li>\n      <strong>30, 60, 90<\/strong>\n      <span>Choose the maximum trip length on your annual plan<\/span>\n    <\/li>\n    <li>\n      <strong>Annual<\/strong>\n      <span>One policy to cover two or three trips a year<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">Get a Southern Cross quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Picks for Travellers in Their 70s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for pre-existing conditions: <\/strong><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\"><strong>AllClear<\/strong><\/a><strong>.<\/strong> No upper age limit and 1,300+ conditions considered, so a birthday or a diagnosis won&#8217;t rule you out. The trade-off sits in the annual plan: from 70, each trip is capped at 31 days, so single-trip cover suits longer stays better.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for annual cover through your 70s: <\/strong><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\"><strong>Southern Cross Travel Insurance<\/strong><\/a><strong>.<\/strong> While plenty of annual plans close at 75, SCTI&#8217;s age limit is 118 and its annual policy lets you pick 30, 60 or 90 day trips. A strong choice if you travel two or three times a year and want one policy that doesn&#8217;t need replacing at 75.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best mainstream comprehensive option: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cover-More<\/strong><\/a><strong>.<\/strong> It insures to 99 but assesses each policy on your age when you buy, where you&#8217;re going and how long for, so quote the exact trip you&#8217;re planning. A well-known name for typical trips through your 70s; for a long stay, get a specialist quote alongside it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for active 70-somethings: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>WAS Insurance<\/strong><\/a><strong>.<\/strong> If your 70s are your most active travel years, it&#8217;s worth a quote: WAS insures to 99 and covers the walking tours, cycling and other activities budget brands tend to exclude, with any conditions considered once you&#8217;ve declared them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for grandparents: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\" target=\"_blank\" rel=\"noopener\"><strong>Zoom<\/strong><\/a><strong>.<\/strong> Its Comprehensive policy goes up to age 85, and dependent grandchildren under 19 travel free on a <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\" target=\"_blank\" rel=\"noreferrer noopener\">grandparent&#8217;s policy<\/a>. Skip its Medical Only tier, which stops at 69.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best value with straightforward health: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Tick<\/strong><\/a><strong>.<\/strong> Standard and Top tiers go to 100 and consider <a href=\"https:\/\/thechampagnemile.com.au\/deals\/pre-existing-medical-condition\/\">pre-existing conditions<\/a>. Watch the 90 day cap on trips beyond the Pacific and the Budget tier&#8217;s cut-off at 79.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who to skip:<\/strong> <a href=\"https:\/\/thechampagnemile.com.au\/deals\/world-nomads-travel-insurance-discount-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>World Nomads<\/strong><\/a>, which only sells to Australians aged 69 or under, and <strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/butter-travel-insurance-discount-code\/\" target=\"_blank\" rel=\"noreferrer noopener\">Butter<\/a><\/strong>, which is built for younger travellers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Current offers from these insurers<\/h3>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-6817080c-9e47-49fb-958b-2acb6aec49ad\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"996\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1355580147\" data-innerargs='{\"aff_link\":\"\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  coupontype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"CoverMore: Save 15% on your next policy.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/covermore-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"CoverMore: Save 15% on your next policy.\" \/>                        <\/a>\r\n            <div class=\" coupontype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Coupon<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">CoverMore: Save 15% on your next policy.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nGet great cover and greater value. Save 15% on travel insurance with our promo code. T&amp;Cs apply.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  reveal_enabled mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t    \t\t\t\t\t    \t\t<div class=\"post_offer_anons\">\n\t\t\t    \t\t\t\t\t                \t<span class=\"coupon_btn re_track_btn btn_offer_block rehub_offer_coupon masked_coupon \" data-clipboard-text=\"MORE15\" data-codeid=\"96018\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\">\n\t\t                \t\t\t\t\t            \t\t\tget discount\t\t                \t\t\t\t                \t<\/span>\n\t\t            \t<\/div>\n\t            \t\t\t    \t\t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"10% Off When You Sign Up with Zoom Travel Insurance\" href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/zoom-travel-insurance-promo-code-logo-4-rp855ikn121saf3qp4k0yh0o7iv6qulblhhm9q26vs.png\" height=\"92\" alt=\"10% Off When You Sign Up with Zoom Travel Insurance\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nThat&#8217;s right. Score a 10% discount using this code to save on your next Zoom Insurance policy. Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Any condition, age or destination\u2026. no problem! AllClear.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/any-condition-age-or-destination\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/allclear-travel-insurance-promo-code-logo-4-rp855b1xidrhpjenx1b0eiwzgfw919rgwg9qfidc9k.png\" height=\"92\" alt=\"Any condition, age or destination\u2026. no problem! AllClear.\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/any-condition-age-or-destination\/\"   class=\"re_track_btn\">Any condition, age or destination\u2026. no problem! AllClear.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAllClear positions itself as the insurance specialist for customers of any age with pre-existing medical conditions. Don&#8217;t deny yourself travel insurance.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"WAS Insurance for your next adventure\" href=\"https:\/\/thechampagnemile.com.au\/deals\/looking-for-something-different\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/was-travel-insurance-promo-code-logo-4-rp855jih7w32m12djmyniys4swqjyjp1xm53r00spk.png\" height=\"92\" alt=\"WAS Insurance for your next adventure\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/looking-for-something-different\/\"   class=\"re_track_btn\">WAS Insurance for your next adventure<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nIf you\u2019re unwell, stranded, or facing a \u2018what do I do now?\u2019 moment, you can reach WAS Travel Insurance anytime.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/wastravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The Traps That Catch Travellers in Their 70s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Buying an annual plan at 73 or 74 without checking the renewal age.<\/strong> An annual policy you buy at 74 may run fine for 12 months, then refuse to renew once you&#8217;re 75. If you&#8217;re close to a threshold, ask whether the insurer will renew you next year, not just whether it will sell to you today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Assuming the annual trip limit you had at 69 still applies.<\/strong> Annual plans often set a per-trip maximum, and some cut it at 70. AllClear&#8217;s Gold annual plans go from 45 days to 31 days. A five-week European trip that was covered last year may now need its own single-trip policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Booking a long trip beyond the Pacific on a budget tier.<\/strong> Tick limits travellers 65 and over to 90 days per trip outside the Pacific, and 42 days within it. Planning three months in Europe or a long stint visiting family overseas? Check the cap before you book flights.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Letting a credit card policy run past your 80th birthday.<\/strong> Most complimentary card cover stops at 79 or 80. If you&#8217;re relying on your card in your late 70s, check whether your age is assessed when the trip starts or when the card spend happens, and plan the switch to a paid policy before you need it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comparing premiums but not excess.<\/strong> Older age bands often carry a higher medical excess. A cheaper quote can cost more the moment you claim, so compare the excess line by line.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Under-declaring &#8220;minor&#8221; conditions.<\/strong> Blood pressure tablets, a past stent, sleep apnoea: if it&#8217;s on your medication list, declare it. A condition left off the application can sink an entire <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/\">claim<\/a>, not just the part linked to it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Treating a cruise as &#8220;just a holiday.&#8221;<\/strong> Ship-to-shore evacuation and cabin confinement need <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\">cruise cover<\/a> added, even on a domestic cruise. <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller<\/a> warns a medical evacuation from a ship can run into the hundreds of thousands of dollars.<\/p>\n\n\n\n<h2 id=\"what-it-costs\" class=\"wp-block-heading\">What It Actually Costs: Real Quotes for a Couple in Their 70s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To show what these age limits mean for a real trip, we priced a 14-day Japan holiday for a Sydney couple aged 72, one of them with type 2 diabetes, through each insurer&#8217;s own online quote form. The diabetes added nothing to Cover-More&#8217;s price, and the biggest lever on cost was how much cancellation cover we chose. If health conditions are part of your picture, our guide to <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">travel insurance with pre-existing medical conditions<\/a> explains how the online medical screening works.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103687\" class=\"elementor elementor-103687\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-4883547 e-con-full e-flex e-con e-parent\" data-id=\"4883547\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.tcm-rq{--rq-bg:#ffffff;--rq-border:#e7dcbc;--rq-accent-bar:#b8992e;--rq-panel:#f8f3e3;--rq-ink:#0a1f5c;--rq-ink-soft:#4a5578;--rq-figure:#7a6212;--rq-rule:#e2d4a8;--rq-btn-bg:#0a1f5c;--rq-btn-text:#ffffff;box-sizing:border-box;margin:28px 0 !important;padding:26px 28px 24px !important;background:var(--rq-bg) !important;border:1px solid var(--rq-border);border-top:4px solid var(--rq-accent-bar);border-radius:14px;color:var(--rq-ink);font-size:15px;line-height:1.5;box-shadow:0 6px 18px rgba(10,31,92,.07)}\n.tcm-rq *,.tcm-rq *::before,.tcm-rq *::after{box-sizing:border-box}\nhtml body .tcm-rq p.tcm-rq__tag{margin:0 0 6px !important;padding:0 !important;font-size:13px !important;line-height:1.4 !important;color:var(--rq-ink-soft) !important}\n.tcm-rq__tag span{color:var(--rq-figure);font-weight:700;margin-right:6px;padding-right:8px;border-right:1px solid var(--rq-rule)}\nhtml body .tcm-rq .tcm-rq__title{display:block;margin:0 !important;padding:0 !important;font-size:22px !important;line-height:1.25 !important;font-weight:700 !important;color:var(--rq-ink) !important;letter-spacing:-.01em}\n.tcm-rq__scen{display:grid;grid-template-columns:repeat(4,1fr);margin:20px 0 6px;background:var(--rq-panel);border-radius:10px}\n.tcm-rq__scen div{padding:12px 16px;border-left:1px solid var(--rq-rule);font-size:13.5px;line-height:1.4;color:var(--rq-ink-soft)}\n.tcm-rq__scen div:first-child{border-left:0}\n.tcm-rq__scen b{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--rq-figure);margin-bottom:2px}\n.tcm-rq table{width:100%;border-collapse:collapse;margin:14px 0 4px;font-size:15px;border:0}\n.tcm-rq th{text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--rq-ink-soft);font-weight:700;padding:10px 8px;border:0;border-bottom:1px solid var(--rq-rule);background:none}\n.tcm-rq td{padding:13px 8px;border:0;border-bottom:1px solid #efe7cf;vertical-align:middle;background:none}\n.tcm-rq td:last-child{width:140px;text-align:right}\n.tcm-rq tr.is-best td{background:#fcf9f0}\n.tcm-rq__ins strong{display:block;font-size:16px;white-space:nowrap;color:var(--rq-ink)}\n.tcm-rq__ins span{font-size:13px;color:var(--rq-ink-soft)}\nhtml body .tcm-rq .tcm-rq__best{display:inline-block;margin-top:5px;font-size:11px;font-weight:700;font-style:normal;text-transform:uppercase;letter-spacing:.06em;color:var(--rq-figure) !important;border:1px solid var(--rq-rule);background:var(--rq-panel);padding:2px 8px;border-radius:999px}\n.tcm-rq__price{font-size:22px;line-height:1.1;font-weight:800;color:var(--rq-figure);white-space:nowrap}\n.tcm-rq__ok{display:inline-block;color:var(--rq-ink-soft);font-size:13.5px;line-height:1.4;padding-left:18px;position:relative}\n.tcm-rq__ok:before{content:\"\\2713\";position:absolute;left:0;top:0;color:var(--rq-figure);font-weight:800}\nhtml body .tcm-rq a.tcm-rq__btn,html body .tcm-rq a.tcm-rq__btn:link,html body .tcm-rq a.tcm-rq__btn:visited,html body .tcm-rq a.tcm-rq__btn:hover,html body .tcm-rq a.tcm-rq__btn:focus,html body .tcm-rq a.tcm-rq__btn:active{display:inline-block;width:124px;text-align:center;background:var(--rq-btn-bg) !important;background-image:none !important;color:var(--rq-btn-text) !important;-webkit-text-fill-color:var(--rq-btn-text) !important;font-size:13.5px !important;font-weight:700 !important;line-height:1.2 !important;padding:12px 8px !important;border:1px solid var(--rq-btn-bg) !important;border-radius:8px;text-decoration:none !important;white-space:nowrap;box-shadow:none !important}\nhtml body .tcm-rq a.tcm-rq__btn:hover{opacity:.9}\n.tcm-rq__find{display:grid;grid-template-columns:repeat(3,1fr);margin:20px 0 18px;background:var(--rq-panel);border-radius:10px}\n.tcm-rq__find div{padding:16px 18px;border-left:1px solid var(--rq-rule);font-size:13.5px;line-height:1.45;color:var(--rq-ink-soft)}\n.tcm-rq__find div:first-child{border-left:0}\n.tcm-rq__find b{display:block;color:var(--rq-ink);font-size:15px;margin-bottom:4px}\n.tcm-rq__foot{border-top:1px solid var(--rq-rule);padding-top:14px;font-size:12.5px;line-height:1.55;color:var(--rq-ink-soft)}\nhtml body .tcm-rq .tcm-rq__foot p{margin:0 0 6px !important;font-size:12.5px !important;color:var(--rq-ink-soft) !important}\nhtml body .tcm-rq .tcm-rq__foot p:last-child{margin:0 !important}\n@media (max-width:760px){.tcm-rq{padding:20px 16px 18px !important}html body .tcm-rq .tcm-rq__title{font-size:19px !important}.tcm-rq__scen{grid-template-columns:1fr 1fr}.tcm-rq__scen div:nth-child(3){border-left:0}.tcm-rq__scen div:nth-child(n+3){border-top:1px solid var(--rq-rule)}.tcm-rq thead{display:none}.tcm-rq table,.tcm-rq tbody,.tcm-rq tr,.tcm-rq td{display:block;width:100%}.tcm-rq tr{border:1px solid var(--rq-border);border-radius:10px;margin:12px 0;overflow:hidden}.tcm-rq td,.tcm-rq td:last-child{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:10px 12px;text-align:right;width:100%}.tcm-rq td:before{content:attr(data-l);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--rq-ink-soft);text-align:left}.tcm-rq td.tcm-rq__ins{display:block;text-align:left;background:var(--rq-panel)}.tcm-rq td.tcm-rq__ins:before,.tcm-rq td:last-child:before{display:none}.tcm-rq td:last-child{border-bottom:0}html body .tcm-rq a.tcm-rq__btn{width:100%}.tcm-rq__find{grid-template-columns:1fr}.tcm-rq__find div{border-left:0;border-top:1px solid var(--rq-rule)}.tcm-rq__find div:first-child{border-top:0}}\n<\/style>\n<div class=\"tcm-rq\" id=\"real-quotes\">\n<p class=\"tcm-rq__tag\"><span>TCM Real Quotes<\/span>Priced 3 November 2026<\/p>\n<div class=\"tcm-rq__title\">What it actually costs: a couple aged 72, 14 days in Japan<\/div>\n<div class=\"tcm-rq__scen\"><div><b>Trip<\/b>Sydney to Japan<\/div><div><b>Dates<\/b>1 to 14 April 2027<\/div><div><b>Travellers<\/b>2, both aged 72<\/div><div><b>Declared<\/b>Type 2 diabetes (tablets)<\/div><\/div>\n<table><thead><tr><th>Insurer and plan<\/th><th>Price for both<\/th><th>Cancellation<\/th><th>Excess<\/th><th>Diabetes<\/th><th><\/th><\/tr><\/thead><tbody>\n<tr class=\"is-best\"><td class=\"tcm-rq__ins\"><strong>Cover-More<\/strong><span>International Comprehensive<\/span><br><em class=\"tcm-rq__best\">Lowest price<\/em><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$797.00<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$250<\/td><td data-l=\"Diabetes\"><span class=\"tcm-rq__ok\">Covered, no extra premium<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<tr><td class=\"tcm-rq__ins\"><strong>AllClear<\/strong><span>Gold<\/span><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$818.17<\/span><\/td><td data-l=\"Cancellation\">$12,000<\/td><td data-l=\"Excess\">$250<\/td><td data-l=\"Diabetes\"><span class=\"tcm-rq__ok\">Covered after medical screening<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<tr><td class=\"tcm-rq__ins\"><strong>AllClear<\/strong><span>Gold Plus<\/span><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$871.25<\/span><\/td><td data-l=\"Cancellation\">$12,000<\/td><td data-l=\"Excess\">$150<\/td><td data-l=\"Diabetes\"><span class=\"tcm-rq__ok\">Covered after medical screening<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<tr><td class=\"tcm-rq__ins\"><strong>Southern Cross<\/strong><span>International Comprehensive<\/span><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$890.71<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$200<\/td><td data-l=\"Diabetes\"><span class=\"tcm-rq__ok\">Covered for $12.20 extra<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<\/tbody><\/table>\n<div class=\"tcm-rq__find\">\n<div><b>Diabetes didn't block cover<\/b>All three insurers accepted tablet-controlled type 2 diabetes through their online medical screening. Cover-More charged nothing extra and Southern Cross added $12.20.<\/div>\n<div><b>Cancellation cover moves the price most<\/b>Lifting Cover-More's cancellation cover from $10,000 to $15,000 took the premium from $797 to $956.<\/div>\n<div><b>Check what the extra buys<\/b>AllClear Gold Plus costs $53 more than Gold, cuts the excess to $150 and raises the luggage limit from $7,000 to $10,000.<\/div>\n<\/div>\n<div class=\"tcm-rq__foot\"><p><strong>How we priced this:<\/strong> quotes taken on 3 November 2026 through each insurer's own online quote form, for a hypothetical couple travelling 1 to 14 April 2027 from NSW. Prices are totals for both travellers. We declared one condition, type 2 diabetes managed with tablets, with no insulin, no complications and no hospital stays in the last two years, and answered no to smoking, blood pressure and cholesterol medication.<\/p><p>Your price will differ with your dates, ages, health and the cover you choose. Always read the PDS and get your own quote. We re-price this scenario every quarter.<\/p><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">How to Buy the Right Policy in Your 70s<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Shortlist by your next birthday, not just today&#8217;s age.<\/strong> If 75 or 80 is within a year, rule out insurers that will drop you at renewal.<\/li>\n\n\n\n<li><strong>Get at least three quotes:<\/strong> one specialist (<a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\">AllClear<\/a>), one with long-running annual cover (<a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Southern Cross<\/a>) and one mainstream brand (<a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cover-More<\/a> or <a href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\">WAS<\/a>).<\/li>\n\n\n\n<li><strong>Decide single trip or annual with real numbers.<\/strong> Count your trips and check each plan&#8217;s per-trip limit at your age. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">annual vs single-trip guide<\/a> walks through the maths.<\/li>\n\n\n\n<li><strong>Declare every condition and medication<\/strong>, including ones that feel minor or long resolved.<\/li>\n\n\n\n<li><strong>Match the trip length to the policy cap<\/strong> before you lock in flights, especially for trips beyond the Pacific.<\/li>\n\n\n\n<li><strong>Compare the excess and medical limits, not just the premium.<\/strong> Unlimited overseas medical and evacuation cover should be the baseline.<\/li>\n\n\n\n<li><strong>Add cruise cover<\/strong> if any part of the <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\">trip is on a ship.<\/a><\/li>\n\n\n\n<li><strong>Use the cooling-off period<\/strong> to read the PDS properly and cancel if something doesn&#8217;t fit.<\/li>\n<\/ol>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103389\" class=\"elementor elementor-103389\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-7a6007a e-flex e-con-boxed e-con e-parent\" data-id=\"7a6007a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I get travel insurance if I&#8217;m over 70?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. Most Australian insurers still sell single-trip cover in your 70s, and several go to 99 or beyond.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I get annual multi-trip travel insurance over 70?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, but options thin out from 75, when many annual plans close to new buyers. Southern Cross offers annual cover with a 118 age limit, and AllClear has annual plans with no upper age limit, though trips are capped at 31 days each from 70.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How much more does travel insurance cost in your 70s?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">CHOICE found travellers in their 70s pay more than triple what people in their 30s and 40s pay. Your health, destination and trip length all move the price, so compare at least three quotes.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does credit card travel insurance cover over 70s?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Usually, until 79 or 80, when most complimentary card policies stop. Medical limits and pre-existing condition cover are often lower than a dedicated policy, so check the card&#8217;s PDS before relying on it.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is there a maximum trip length for over 70s?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Often, yes. Tick caps trips beyond the Pacific at 90 days for travellers 65 and over, and AllClear&#8217;s annual plans cap each trip at 31 days from 70. Single-trip policies from other insurers may allow longer, so check before you book.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What happens to my policy when I turn 75?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It depends on the insurer. Your current single-trip policy is priced on your age when it&#8217;s issued. Annual plans are the ones to watch: several won&#8217;t renew you once you&#8217;re 75.<\/p>\n<\/div><\/div>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"102958\" class=\"elementor elementor-102958\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc77e70 e-con-full e-flex e-con e-parent\" data-id=\"cc77e70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-733ec7f elementor-widget elementor-widget-html\" data-id=\"733ec7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\nsection.tcm-eeat{margin:0 0 24px;font-family:inherit;color:#1c1f2a}\nsection.tcm-eeat ul.tcm-eeat-items{list-style:none !important;margin:0 !important;padding:0 !important;display:grid !important;grid-template-columns:1fr 1fr;gap:10px}\nsection.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item{list-style:none !important;display:flex !important;gap:12px;align-items:flex-start;background:#f5f6fb;border:1px solid #e6e9f3;border-radius:10px;padding:12px 14px !important;margin:0 !important}\nsection.tcm-eeat li.tcm-eeat-item::before,section.tcm-eeat li.tcm-eeat-item::marker{display:none !important;content:none !important}\nsection.tcm-eeat li.tcm-eeat-item > i{flex:0 0 auto;display:block;font-size:20px;color:#b8992e;margin-top:2px}\nsection.tcm-eeat.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item h3{margin:0 0 3px !important;padding:0 !important;font-size:15px !important;line-height:1.35 !important;font-weight:700;color:#0a1f5c}\nsection.tcm-eeat .tcm-eeat-item p{margin:0 !important;padding:0 !important;font-size:14px;line-height:1.55;color:#454a5a}\n.tcm-eeat a{color:#0a1f5c;text-decoration:underline;text-decoration-color:#b8992e;text-underline-offset:2px}\n.tcm-eeat a:hover{color:#b8992e}\n@media (max-width:640px){section.tcm-eeat ul.tcm-eeat-items{grid-template-columns:1fr}}\n<\/style>\n<section class=\"tcm-eeat\" aria-label=\"Why trust us\">\n  <h2 class=\"wp-block-heading\">Why Trust Us<\/h2>\n  <ul class=\"tcm-eeat-items\">\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-map-pin-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Independent and Australian<\/h3>\n        <p>We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-shield-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Sourced and checked<\/h3>\n        <p>Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-refresh\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Kept up to date<\/h3>\n        <p>Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-message-report\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Corrections welcome<\/h3>\n        <p>Spotted something out of date? <a href=\"https:\/\/thechampagnemile.com.au\/deals\/contact\/\">Let us know<\/a> and we will look into it and update the page. See our <a href=\"https:\/\/thechampagnemile.com.au\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n      <\/div>\n    <\/li>\n  <\/ul>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n<div id=\"rh-postel-1006216385\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-1006216385 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1006216385 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='Michael Coates' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">Michael Coates<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Turning 70 doesn&#8217;t lock you out of travel insurance, but it quietly reshapes your options. Some insurers stop selling to you on your 70th birthday. Others keep you on but shorten the trips they&#8217;ll cover, drop you from their annual plan at 75, or hit you with a higher excess. Most of this sits in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":101482,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-101476","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare travel insurance for over 70s in Australia, including age limits, trip length caps, annual policy cut-offs and the excess changes that kick in at 75.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" 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Most Australian insurers still sell single-trip cover in your 70s, and several go to 99 or beyond.","type":"aioseo\/faq"},{"hidden":false,"question":"Can I get annual multi-trip travel insurance over 70?","schemaBlockId":"aioseo-muthe9i0ltbgk","tagName":"h3","answer":"Yes, but options thin out from 75, when many annual plans close to new buyers. Southern Cross offers annual cover with a 118 age limit, and AllClear has annual plans with no upper age limit, though trips are capped at 31 days each from 70.","type":"aioseo\/faq"},{"hidden":false,"question":"How much more does travel insurance cost in your 70s?","schemaBlockId":"aioseo-muthejay0zzxf","tagName":"h3","answer":"CHOICE found travellers in their 70s pay more than triple what people in their 30s and 40s pay. Your health, destination and trip length all move the price, so compare at least three quotes.","type":"aioseo\/faq"},{"hidden":false,"question":"Does credit card travel insurance cover over 70s?","schemaBlockId":"aioseo-muthew52wen26","tagName":"h3","answer":"Usually, until 79 or 80, when most complimentary card policies stop. Medical limits and pre-existing condition cover are often lower than a dedicated policy, so check the card's PDS before relying on it.","type":"aioseo\/faq"},{"hidden":false,"question":"Is there a maximum trip length for over 70s?","schemaBlockId":"aioseo-muthf7dv1zz1n","tagName":"h3","answer":"Often, yes. Tick caps trips beyond the Pacific at 90 days for travellers 65 and over, and AllClear's annual plans cap each trip at 31 days from 70. Single-trip policies from other insurers may allow longer, so check before you book.","type":"aioseo\/faq"},{"hidden":false,"question":"What happens to my policy when I turn 75?","schemaBlockId":"aioseo-muthfhdaso5ca","tagName":"h3","answer":"It depends on the insurer. Your current single-trip policy is priced on your age when it's issued. Annual plans are the ones to watch: several won't renew you once you're 75.","type":"aioseo\/faq"}],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"none","isEnabled":true},"graphs":[{"id":"#aioseo-article-mutgwfcy","slug":"article","graphName":"Article","label":"Article","properties":{"type":"Article","name":"#post_title","headline":"#post_title","description":"","image":"","keywords":"","author":{"name":"#author_name","url":"#author_url"},"dates":{"include":true,"datePublished":"","dateModified":""}},"value":"article"}]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-11-04 01:47:45","breadcrumb_settings":null,"limit_modified_date":0,"reviewed_by":"1","open_ai":null,"ai":{"faqs":[],"keyPoints":[{"title":"A 70s travel insurance is a series of cut-offs, not one cliff","explanation":"As you turn 70, some insurers drop you or shorten coverage, while others keep you but with stricter trip lengths or higher excess; the change happens at different ages depending on the insurer."},{"title":"Single-trip cover stays widely available into later years","explanation":"Many providers still offer single-trip policies into the late 70s or 80s (e.g., Cover-More and WAS up to 99, AllClear with no upper limit), while some brands push you toward shorter trips or no coverage beyond certain ages."},{"title":"Trip length and annual plans are the hidden squeeze","explanation":"Even if you\u2019re still insured, annual plans often cap trip length (e.g., AllClear 31 days from 70; Tick 90 days beyond the Pacific from 65), and some plans stop selling to new buyers after 75."},{"title":"Buying the right policy in your 70s requires careful comparison","explanation":"Shortlist by your next birthday, obtain at least three quotes (specialist, annual, mainstream), declare every condition, and match trip length to policy caps while comparing excess and medical limits."},{"title":"Be aware of common traps and practical tips","explanation":"Watch renewal rules at 75, verify cruise cover for ship travel, beware credit card policies that cap before 80, and read the PDS during the cooling-off period to avoid buying a policy that won\u2019t fit your needs."}],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-10-04 06:54:27","updated":"2026-11-05 11:28:13","focus_keyword":"Travel Insurance for Over 70s","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/\" title=\"Guides\">Guides<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-70s\/\" title=\"Best Travel Insurance for Over 70s in Australia: Compared\">Best Travel Insurance for Over 70s in Australia: Compared<\/a>\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/thechampagnemile.com.au\/deals\/"},{"label":"Guides","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/"},{"label":"Best Travel Insurance for Over 70s in Australia: Compared","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-70s\/"}],"_links":{"self":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/101476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/comments?post=101476"}],"version-history":[{"count":27,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/101476\/revisions"}],"predecessor-version":[{"id":103735,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/101476\/revisions\/103735"}],"up":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/96339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media\/101482"}],"wp:attachment":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media?parent=101476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/categories?post=101476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/tags?post=101476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}