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Traveling is such a wonderful way to explore, unwind and enjoy your life.
If you have locked in your next trip away, or are about to, it is important that you make sure that your travel insurance offers a level of cover that is best suited to your needs.
InsureandGo covers thousands of senior Australian travellers every year and offers comprehensive travel insurance.
Age limits
Travel insurance providers usually have an age limit on the covers they can provide you. For example, InsureandGo provide coverage up to the age of 100 years young for one-trip policies and up to the age of 80 for cruise policies.
Pre-existing medical conditions
It is important to let your insurer know of any pre-existing medical conditions and any pending test results or upcoming treatments and surgery. Your premium and level of coverage will be dependent on this information.
Insurers may or may not require medical certificates from you before you take out your policy. If you’re looking for a quick sign-up process, InsureandGo offer a hassle-free experience as they do not require medical certificates upfront.
Travel duration
Ensure that your policy covers you for the entire duration of your trip. Depending on your age (e.g., over 65 years), some policies may only cover you for a certain length of travel time (e.g., 90 days).
Destinations
Are you planning to go for a multi-destination trip or are you taking a cruise that will dock at ports in different countries? If yes, you want to make sure that your travel insurance covers all countries, even if you’re only there for a short period.
Cancellations
Cancellations can happen for various reasons, including COVID-19, so you want to make sure that your insurance policy covers you for such emergency cancellations. COVID-19 travel insurance benefits can cover you in case you or a close relative back home is diagnosed with COVID-19, and you need to amend your trip. InsureandGo Silver and Gold policies include coverage for COVID-19*.
Baggage & valuables
The right level of coverage can be crucial in unfortunate circumstances where your baggage is delayed, or your valuables are stolen. The coverage on your policy determines what you can claim in such instances.
Taking out travel insurance should not be a daunting experience. If you need help understanding how travel insurance works, make sure to read the Product Disclosure Statement (PDS) or contact InsureandGo before you buy to understand your options. InsureandGo can help explain the ins-and-outs of your policy to you.
If you’re looking to purchase a policy, InsureandGo are offering a 15% discount on premiums for Seniors Card SA members. Use the code SENSA15 in the promotional box at https://www.insureandgo.com.au or call 1300 401 177.
Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816, issues InsureandGo Travel Insurance (the insurance). For full details of the benefits, terms and conditions and exclusions that may apply please read the Product Disclosure Statement, Target Market Determination (TMD) and Financial Services Guide available on our website at https://www.insureandgo.com.au to decide if the insurance is right for you. If you take out a Travel Insurance policy with InsureandGo as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as InsureandGo) may pay us a referral fee.
*Check full COVID-19 Benefits here.