Travel With Confidence: Seniors Insurance For Pre-Existing Conditions
Planning your next adventure should be exciting, not stressful. For many senior travellers, the biggest worry is whether a pre-existing medical condition will prevent them from getting the cover they need. At WAS Insurance, we believe your health history shouldn't ground your travel plans, which is why we provide clear, straightforward insurance.
Benefits for seniors
Why Cover Matters for Senior Travellers
As we get older, our travel needs change, and so do our insurance requirements. A standard policy might not account for the specific health considerations that come with age, potentially leaving you exposed to significant financial risk. Seniors travel insurance with pre-existing medical conditions cover is designed to bridge this gap, offering higher levels of medical cover, considering a wide range of pre-existing conditions, and providing assistance services that understand the unique challenges mature travellers can face. It's not just about covering your health; it's about protecting your peace of mind, ensuring that if something does go wrong, from a minor issue to a major emergency, you have a dedicated team on your side, ready to help you navigate the situation with calm and care. This customisable approach means your policy can be built around your real-world needs.
How We Cover Pre-Existing Medical Conditions
The phrase 'pre-existing medical condition' can sound complicated, but our process is designed to be as simple and reassuring as possible. When you get a quote, we'll ask you a series of straightforward questions about your health. It's not an interrogation; it's a conversation to understand your personal situation. For many common conditions, like well-managed high blood pressure or arthritis, cover is often included at no extra cost. For more complex conditions, we may offer cover for an additional premium. The key is to be open and honest about your health history. This transparency allows us to provide an accurate assessment and ensure the policy you purchase is genuinely suited to you, giving you total confidence that you are properly protected.
What to Look For in a Seniors Travel Insurance Policy
Choosing the right policy is about more than just finding the cheapest price; it's about finding the best value and the most appropriate cover. When comparing policies, look closely at the medical expense limits to ensure they are high enough to cover significant hospital bills, which can be particularly expensive in countries like the USA. Check for inclusions like cancellation cover, which protects you if a health issue forces you to call off your trip before you even leave. Also, consider the level of cover for luggage and personal belongings, as well as provisions for emergency assistance and medical evacuation. A good policy is comprehensive, clear about its exclusions, and backed by a 24/7 assistance team that you can rely on anywhere in the world.
Understanding Common Claims for Senior Travellers
While every trip is unique, we see common patterns in claims that highlight the importance of having the right cover. Medical emergencies are the most frequent, ranging from falls and fractures to unexpected flare-ups of existing conditions that require immediate treatment. Trip cancellations due to health reasons, either your own or that of a close family member, are also common. Lost or delayed luggage can be more than an inconvenience, especially when it contains essential medication, making baggage cover a vital component of any policy. By understanding these common scenarios, you can better appreciate why a policy for seniors can offer a more robust safety net, addressing the real risks you might face while travelling.
Getting Covered is Simpler Than You Think
We've removed the stress and complexity from buying travel insurance. Our online quote process is quick, clear, and easy to navigate, allowing you to get a personalised quote in just a few minutes. You can review all the details, declare your medical conditions, and purchase your policy from the comfort of your own home. There are no confusing forms to fill out and no jargon to decipher. If you do have questions, our Australian-based customer service team is here to help guide you through the process. Your travel plans are important, and we're here to make sure the final step of securing your insurance is the easiest part of your preparation. Taking the time to arrange the right cover is the smartest thing you can do for your trip. It frees you to focus on what matters: enjoying your well-deserved holiday.
Why Choose WAS Insurance?
Regular travel insurance policies often neglect senior care. However, we recognise the unique travel risks faced by the elderly. That's why we are committed to making things easy for our senior customers by offering comprehensive coverage that you can easily customise to fit your needs.
Our COVID Essentials and Discovery plans offer:
- Unlimited overseas emergency medical expenses for up to 12 months
- A maximum of $5,000 in overseas hospital confinement charges.
- 24/7 emergency assistance to ensure you're well taken care of in case of an unexpected incident.
Your later years should be filled with beautiful memories instead of stress over what could go wrong. Allow us to help you relax and enjoy your golden years to the fullest. Consider senior travel insurance cover with WAS.
Seniors Travel Insurance FAQs
Browse answers to the most common questions we get asked about senior travel insurance
Our travel insurance for seniors offers comprehensive cover for unexpected overseas medical emergencies, including:
- medical treatment
- hospital expenses
- emergency medical evacuation to the nearest medical facility (when deemed medically necessary).
This coverage can help with costs alongside any private health insurance you have.
While some insurers impose inconveniently low age restrictions, WAS Insurance provides travel insurance options for seniors up to the age of 99 years, ensuring that just about all Australian residents who are able to travel can receive coverage.
Seniors should consider medical cover, especially for pre-existing conditions, the length of the trip, and any specific activities planned, like cruises or snow sports activities. You’ll need to share all this information during the quote process to ensure the right coverage. We don’t currently have the capability to perform an online medical assessment to determine coverage options and additional premiums, so please ensure that you check the PDS for our list of automatically covered pre-existing medical conditions.
Our policy covers trip cancellations due to unforeseen circumstances, including for unforeseen emergency medical events, allowing for refunds under qualifying conditions. Our senior travel insurance policies also include protection against cancellation fees and interruptions caused by unforeseen natural disasters. See the PDS for a list of all covered events.
It's crucial to understand some scenarios aren't covered under WAS insurance policies. Here's a guide to help you make better decisions while enjoying your holiday:
- Engaging in risky behaviour and reckless activities.
- Incidents related to alcohol consumption.
- Losses incurred from leaving your belongings unattended in a public place are not covered.
- Ignoring ‘do not travel warnings’ as designated by the government’s Smartraveller website.
Any insurance policy comes with an intricate list of conditions. Please read the Product Disclosure Statement (PDS) for further details.
WAS can provide additional coverage for a cruise trip, but you must declare this as part of your itinerary during the quote process.
Note: Not all benefits apply and will depend on whether you have selected them (and they are reflected on your Certificate of Insurance). Terms, conditions, exclusions, sub-limits, and limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.