{"id":101483,"date":"2026-10-04T18:11:56","date_gmt":"2026-10-04T07:41:56","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=101483"},"modified":"2026-11-04T13:12:35","modified_gmt":"2026-11-04T02:42:35","slug":"best-travel-insurance-for-over-80s","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-80s\/","title":{"rendered":"Best Travel Insurance for Over 80s in Australia: Who Still Covers You"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Past 80, the question stops being &#8220;which policy is cheapest?&#8221; and becomes &#8220;who will actually cover me, and for how long?&#8221; The shortlist is shorter, but it&#8217;s not empty: several Australian insurers still sell comprehensive cover into your 90s and beyond. The catch is in the conditions. Trips get shorter, excesses get bigger, annual plans mostly disappear, and your <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\">credit card cover<\/a> has probably already ended. Here&#8217;s who still says yes, what changes at 80, 85 and 90, and how to avoid paying for a policy that won&#8217;t pay out.<\/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 over 80<\/p><p class=\"tcm-qa__name\">AllClear<\/p><p class=\"tcm-qa__why\">No upper age limit and 1,300+ medical conditions considered, so it\u2019s often the insurer that says yes after others decline.<\/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\">Age limit of 118, and over 85s can still buy its International Comprehensive policy.<\/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\">Cover to age 99, and worth quoting alongside a specialist.<\/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 a little younger? 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-70s\/\">over 70s guide<\/a> covers what changes at 70.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Changes at 80, 85 and 90<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In your 80s, cover narrows in steps rather than all at once. Each birthday below removes a few insurers or tightens the terms on the ones that remain.<\/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\">80<\/td><td class=\"has-text-align-left\" data-align=\"left\">Credit card cover ends; long-haul trip caps shrink; excess loadings appear<\/td><td class=\"has-text-align-left\" data-align=\"left\">Most card policies stop at 79 or 80. Tick caps Worldwide Including trips at 35 days. CHOICE reports Zoom adds a $3,000 medical excess for over 80s and limits trips to 90 days.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">85<\/td><td class=\"has-text-align-left\" data-align=\"left\">More brands drop off; some products narrow; fitness-to-travel checks start<\/td><td class=\"has-text-align-left\" data-align=\"left\">Zoom stops at 84. Southern Cross keeps selling Comprehensive, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\">Domestic <\/a>and Working Overseas policies past 85. Some insurers ask for a doctor&#8217;s letter from 85.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">90<\/td><td class=\"has-text-align-left\" data-align=\"left\">Mainstream options thin to a handful of brands<\/td><td class=\"has-text-align-left\" data-align=\"left\">Fast Cover stops at 89. Cover-More, WAS and Freely go to 99, Southern Cross to 118, and AllClear has no upper limit.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers set these terms on your age when the policy is issued or the trip starts, so a policy bought at 84 can carry very different terms from one bought a month after you turn 85.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Insurers That Still Cover Over 80s<\/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<\/th><th class=\"has-text-align-left\" data-align=\"left\">What to check over 80<\/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 plans cap each trip at 31 days<\/td><td class=\"has-text-align-left\" data-align=\"left\">Multiple or complex 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\/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\">Over 85s limited to Comprehensive, Domestic and Working Overseas policies<\/td><td class=\"has-text-align-left\" data-align=\"left\">Comprehensive cover into your 90s<\/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\/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, destination and trip length<\/td><td class=\"has-text-align-left\" data-align=\"left\">Well-known mainstream insurer<\/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\/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\">Flexible add-ons at any age to 99<\/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 limits and excess for your age band<\/td><td class=\"has-text-align-left\" data-align=\"left\">App-based cover<\/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\/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\">35 day cap on Worldwide Including trips; 90 days elsewhere beyond the Pacific<\/td><td class=\"has-text-align-left\" data-align=\"left\">Shorter trips with straightforward 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\/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 for the 80 to 89 age band<\/td><td class=\"has-text-align-left\" data-align=\"left\">Early to mid 80s<\/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\">$3,000 extra medical excess and a 90 day trip cap over 80<\/td><td class=\"has-text-align-left\" data-align=\"left\">Early 80s, short trips<\/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><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Table compiled 4 October 2026. World Nomads (69 and under) and Butter are not options over 80. Age limits change, so confirm 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\/06\/allclear-travel-insurance-promo-code-logo-4.png\" alt=\"AllClear Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> The specialist for travellers over 80<\/p>\n      <h3 class=\"tcm-sp__title\">Often the insurer that says yes after others decline<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>No limit<\/strong>\n      <span>No upper age limit; over 99s can still get a quote by phone<\/span>\n    <\/li>\n    <li>\n      <strong>1,300+<\/strong>\n      <span>Medical conditions considered, so a diagnosis won\u2019t rule you out<\/span>\n    <\/li>\n    <li>\n      <strong>3 tiers<\/strong>\n      <span>Gold Plus, Gold and Traveller, so you match cover to the trip<\/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\/allclear\" 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 an AllClear quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Picks for Travellers Over 80<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best overall for over 80s: <\/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+ medical conditions considered, so it&#8217;s often the insurer that says yes after others decline. If you&#8217;re over 99, you&#8217;ll need to call for a quote rather than buy online.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for comprehensive cover into your 90s: <\/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> SCTI&#8217;s age limit is 118, and over 85s can still buy its International Comprehensive policy. A strong pick for a long-established insurer that doesn&#8217;t treat a later birthday as a dealbreaker.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best mainstream option: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cover-More<\/strong><\/a><strong>.<\/strong> With an age limit of 99, it&#8217;s one of the few mainstream names still worth quoting past 80. Treat any yes as specific to the trip you quoted: change the destination or the length and the answer can change too. Run it alongside a specialist, because the outcome isn&#8217;t always what you&#8217;d expect.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for flexible add-ons: <\/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> It insures to 99, and its optional add-ons let you cover what your trip actually involves without changing plans. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">Declare every condition<\/a>, as cover in your 80s depends on what you disclose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for shorter trips in your early 80s: <\/strong><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/thechampagnemile.com.au\/deals\/fast-cover-promo-code\/\"><strong>Fast Cover<\/strong><\/a><strong>.<\/strong> Sells to travellers 89 and under. Check the excess that applies to your age band before you compare it on price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Use with care: <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Tick<\/strong><\/a><strong> and <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\" target=\"_blank\" rel=\"noopener\"><strong>Zoom<\/strong><\/a><strong>.<\/strong> Both still sell to some over 80s, but Tick&#8217;s 35 day cap on Worldwide Including trips and Zoom&#8217;s reported $3,000 medical excess make them better suited to short, nearby trips.<\/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-dd6fe937-627b-4249-8ea8-d80a5a197f53\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"997\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1021658308\" 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=\"Travel insurance made simple with Fast Cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-made-simple-with-fast-cover\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/fast-cover-promo-code-logo-4-rp8551njm1emhfsbfx8qpladil6kwaq5j5qvmqr9zs.png\" height=\"92\" alt=\"Travel insurance made simple with Fast 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\/travel-insurance-made-simple-with-fast-cover\/\"   class=\"re_track_btn\">Travel insurance made simple with Fast 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            \nGet a Travel Insurance Quote in under 60 seconds. That&#8217;s FAST!\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\/fastcover\" 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=\"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\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 Over 80<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Assuming your credit card still has you covered.<\/strong> Most <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\">complimentary card policies<\/a> stop at 79 or 80, and some only extend past 80 if you pay for an upgrade. If you&#8217;ve been travelling on card cover for years, check the PDS now rather than at the airport.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Booking a long-haul trip longer than the policy allows.<\/strong> Over 80, trip caps of 35 to 90 days are common, and the shortest limits tend to apply to the most expensive destinations for medical care. Confirm the cap before you book a long stay in North America or Europe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Choosing a policy on premium alone.<\/strong> Some insurers add an age-based medical excess for over 80s on top of the standard excess. A policy that&#8217;s $200 cheaper can leave you $3,000 out of pocket on the first medical claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Forgetting that a relative&#8217;s health can sink your cancellation claim.<\/strong> If you need to cancel because a spouse, sibling or friend falls ill, some PDSs only cover that person up to a certain age, sometimes 85. Read who counts as a &#8220;relative&#8221; and any age limit attached.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Skipping the doctor&#8217;s letter.<\/strong> Some insurers ask for written confirmation you&#8217;re fit to travel once you&#8217;re 85 or older. Even when it&#8217;s not required, having one on file <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/\">makes a claim easier<\/a> if something goes wrong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Answering the medical questionnaire alone.<\/strong> Over 80, the screening often covers medication changes, recent hospital stays and cognitive conditions. If you&#8217;re helping a parent buy cover, sit with them and their medication list, and call the insurer if a question isn&#8217;t clear.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Relying on Medicare overseas.<\/strong> Medicare doesn&#8217;t cover you overseas, apart from limited care in countries with a <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.servicesaustralia.gov.au\/reciprocal-health-care-agreements\">reciprocal health care agreement<\/a>. Even there, evacuation home isn&#8217;t included.<\/p>\n\n\n\n<h2 id=\"what-it-costs\" class=\"wp-block-heading\">What It Actually Costs: Real Quotes for an 83-Year-Old<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To show what cover looks like past 80, we priced a 3-week France and Italy trip for a solo Sydney traveller aged 83 with atrial fibrillation on a blood thinner, through each insurer&#8217;s own online quote form. All three accepted the heart condition online, but the loading for it ranged from $382 at Cover-More to $795.44 at Southern Cross, which reshuffled the order. If you have more than one condition to declare, 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=\"103716\" class=\"elementor elementor-103716\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-fc952a7 e-con-full e-flex e-con e-parent\" data-id=\"fc952a7\" 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 4 November 2026<\/p>\n<div class=\"tcm-rq__title\">What it actually costs: a solo traveller aged 83, 21 days in France and Italy<\/div>\n<div class=\"tcm-rq__scen\"><div><b>Trip<\/b>Sydney to France and Italy<\/div><div><b>Dates<\/b>1 to 21 June 2027<\/div><div><b>Travellers<\/b>1, aged 83<\/div><div><b>Declared<\/b>Atrial fibrillation (blood thinner)<\/div><\/div>\n<table><thead><tr><th>Insurer and plan<\/th><th>Total price<\/th><th>Cancellation<\/th><th>Excess<\/th><th>Heart condition<\/th><th><\/th><\/tr><\/thead><tbody>\n<tr class=\"is-best\"><td class=\"tcm-rq__ins\"><strong>AllClear<\/strong><span>Gold<\/span><br><em class=\"tcm-rq__best\">Lowest price<\/em><\/td><td data-l=\"Total price\"><span class=\"tcm-rq__price\">$1,443.45<\/span><\/td><td data-l=\"Cancellation\">$12,000<\/td><td data-l=\"Excess\">$250<\/td><td data-l=\"Heart condition\"><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=\"Total price\"><span class=\"tcm-rq__price\">$1,537.11<\/span><\/td><td data-l=\"Cancellation\">$12,000<\/td><td data-l=\"Excess\">$150<\/td><td data-l=\"Heart condition\"><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=\"Total price\"><span class=\"tcm-rq__price\">$1,704.35<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$200<\/td><td data-l=\"Heart condition\"><span class=\"tcm-rq__ok\">Covered for $795.44 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<tr><td class=\"tcm-rq__ins\"><strong>Cover-More<\/strong><span>International Comprehensive<\/span><\/td><td data-l=\"Total price\"><span class=\"tcm-rq__price\">$1,947.00<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$250<\/td><td data-l=\"Heart condition\"><span class=\"tcm-rq__ok\">Covered for $382 extra<\/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<\/tbody><\/table>\n<div class=\"tcm-rq__find\">\n<div><b>The cheapest base price was not the cheapest policy<\/b>Southern Cross had the lowest price before medical cover, but its $795.44 heart loading pushed it to $1,704.35. AllClear, which specialises in pre-existing conditions, came in lowest overall.<\/div>\n<div><b>Heart conditions cost far more than diabetes<\/b>In our <a href=\"\/deals\/guides\/best-travel-insurance-for-over-70s\/#what-it-costs\">over 70s Japan quotes<\/a>, diabetes added $0 to $12.20. Atrial fibrillation on a blood thinner added $382 at Cover-More and $795.44 at Southern Cross.<\/div>\n<div><b>Check what the extra buys<\/b>AllClear Gold Plus costs $93.66 more than Gold and cuts the excess from $250 to $150.<\/div>\n<\/div>\n<div class=\"tcm-rq__foot\"><p><strong>How we priced this:<\/strong> quotes taken on 3 and 4 November 2026 through each insurer's own online quote form, for a hypothetical solo traveller aged 83 travelling 1 to 21 June 2027 from NSW, with at least $10,000 cancellation cover. We declared one condition, atrial fibrillation managed with medication including a blood thinner, with no unplanned hospital visits in the last 12 months, no collapses or blackouts and no other heart conditions.<\/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 Over 80<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Start with insurers that cover your age for the whole trip.<\/strong> If you&#8217;ll turn 85 or 90 before you return, check how the insurer treats a birthday mid-trip.<\/li>\n\n\n\n<li><strong>Get three quotes:<\/strong> a specialist (<a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\" target=\"_blank\" rel=\"noreferrer noopener\">AllClear<\/a>), an insurer with a high age limit (<a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Southern Cross<\/a>) and a 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>Have your medication list and recent medical history ready<\/strong> before you start the questionnaire, and declare everything.<\/li>\n\n\n\n<li><strong>Check the trip length cap for your exact destination<\/strong>, not just the headline limit.<\/li>\n\n\n\n<li><strong>Compare the total excess,<\/strong> including any age-based medical excess, against the premium saving.<\/li>\n\n\n\n<li><strong>Ask about a fit-to-travel letter<\/strong> if you&#8217;re 85 or over, and get one from your GP early.<\/li>\n\n\n\n<li><strong>Add <\/strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cruise cover<\/strong><\/a> for any time on a ship.<\/li>\n\n\n\n<li><strong>Use the cooling-off period<\/strong> to read the PDS before your trip, while you can still cancel penalty-free.<\/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 you get travel insurance if you&#8217;re over 80?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. AllClear has no upper age limit, Southern Cross covers travellers up to 118, and Cover-More, WAS and Freely go to 99. Expect a medical questionnaire, shorter trip caps and a higher premium.<\/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 you get travel insurance at 85 or 90?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, though the list is shorter. Zoom stops at 84 and Fast Cover at 89, but AllClear, Southern Cross, Cover-More, WAS and Freely all sell to travellers in their 90s, subject to their acceptance criteria.<\/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 does travel insurance cost over 80?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">CHOICE found over 80s pay more than five times what travellers in their 30s and 40s pay. Destination, trip length and declared conditions make the biggest difference, along with the excess you choose.<\/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 annual multi-trip travel insurance for over 80s?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It&#8217;s rare. AllClear offers annual plans with no upper age limit, but each trip is capped at 31 days. For most over 80s, separate single-trip policies give more flexibility.<\/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 80s?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Usually not. Most complimentary card policies stop at 79 or 80, and those that go further often need a paid upgrade. Check your card&#8217;s PDS 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\">Do I need a medical certificate to travel over 85?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Some insurers require written confirmation from your doctor that you&#8217;re fit to travel once you&#8217;re 85 or older. Check during the quote, and ask your GP early so it doesn&#8217;t hold up your trip.<\/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-366044842\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-366044842 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 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-366044842 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .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-366044842 .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-366044842 .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-366044842 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 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-366044842 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 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-366044842 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-366044842 .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-366044842 .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>","protected":false},"excerpt":{"rendered":"<p>Past 80, the question stops being &#8220;which policy is cheapest?&#8221; and becomes &#8220;who will actually cover me, and for how long?&#8221; The shortlist is shorter, but it&#8217;s not empty: several Australian insurers still sell comprehensive cover into your 90s and beyond. The catch is in the conditions. Trips get shorter, excesses get bigger, annual plans [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":101481,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-101483","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 80s in Australia: which insurers still say yes, the trip length caps and excess loadings, and how to get a fair quote.\" \/>\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\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-80s\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.5\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Best Travel Insurance for Over 80s in Australia\" \/>\n\t\t<meta property=\"og:description\" content=\"Compare travel insurance for over 80s in Australia: which insurers still say yes, the trip length caps and excess loadings, and how to get a fair quote.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-over-80s\/\" \/>\n\t\t<meta property=\"fb:admins\" content=\"522783484576523\" \/>\n\t\t<meta property=\"og:image\" 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