jetstar essentials plus travel insurance

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Jetstar Travel Insurance

Get your flights and travel insurance sorted in one go with jetstar's travel plans, exclusive cover packages for jetstar passengers..

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Policies available from jetstar, what does jetstar travel insurance cover, how do i lodge a claim with jetstar travel insurance, some more information you may find useful.

Destinations

Feel safe-guarded while embarking on your next travel adventure with the wide range of policies available from Jetstar.

Jetstar Travel Insurance offers unique cover options that allows you to tailor your policy to the regions of the globe you're visiting whether it's somewhere in your own backyard, a jaunt across the Tasman or an extended trip overseas. The bottom line is that whatever kind of trip you're planning, Jetstar Travel Insurance has a solution for you.

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Along with the standard cover for medical expenses, lost luggage and damaged personal effects, by being insured by Jetstar you will also receive protection for:

• Cancellation fees and lost deposits: When unforeseen circumstances outside your control force you to cancel your trip, for example if a loved one passes away, Jetstar Travel Insurance provides cover for your non-refundable pre-paid deposits and any cancellation fees you may have to pay.
• Additional expenses: Jetstar Travel Insurance covers your additional meals, accommodation and travelling expenses when your trip is disrupted.
• Missed connection special events: Your policy can help cover the additional travel expenses you incur in order to get to a special event such as a wedding or business conference on time.
• Hijack and kidnap: A lump sum benefit is payable if you are a victim of hijack or kidnapping on your trip.
• Home help: If you have been hospitalised overseas for more than 10 days, your policy will offer financial assistance to cover the cost of housekeeping or similar services.
• Travel delay: Receive up to $750 cover for additional meals and accommodation expenses when your trip is delayed due to circumstances outside your control.
• Early return home: If unforeseen circumstances force you to curtail your journey, for example if a family member falls seriously ill, Jetstar Travel Insurance covers the cost of cutting your trip short.
• Resumption of trip: If you later decide to resume your trip, your policy can cover the additional travel costs needed to do so.
• Legal liability: Jetstar Travel Insurance provides up to $2.5 million of personal liability cover if you cause bodily injury or property damage to a third party.
• Accidental death: A lump sum benefit is paid to your estate if you die as a result of accidental injuries suffered on your trip.
• Rental vehicle excess cover: This benefit provides cover for the car insurance excess charged when your rental vehicle is stolen, maliciously damaged or involved in a collision.

If you need to make a claim on your Jetstar Travel Insurance policy, you must contact AIG within 30 days of completing your trip to notify the insurer of your claim. In order for your claim to be processed you will need to provide:

• Your certificate of insurance.
• Any supporting evidence, such as receipts, police reports and proof of ownership.
• Any other information AIG may require.

When it comes to obtaining and sending a claim form to AIG several options are available to you:

• Enter the details of your claim and process it online.
• Download and fill out a claim form and send a scanned copy to [email protected] or by fax to 61 (3) 9522 4974 or by traditional mail addressed to AIG Claims Dept., GPO Box 4363, Melbourne, VIC 3001.
• Please remember that whether you choose to lodge your claim online, by email, fax or post, you will still need to attach the relevant documents listed above for the claim to be processed.

Any restrictions on applying for Jetstar Travel Insurance?

To be eligible for any of Jetstar's policies you will need to be a permanent Australian resident or citizen.

I thought I was insured by Jetstar, why do I have to claim through AIG?

Jetstar Travel Insurance is issued and underwritten by AIG Australia Limited.

Is my laptop covered by Jetstar Travel Insurance?

Yes, Jetstar Travel Insurance policies provide cover if your laptop is lost, stolen or damaged, but cover limits apply to laptops, cameras, video cameras and sets of golf clubs. Under an International Plan or Trans-Tasman Plan, cover is limited to $250 per item and $750 for all electronic equipment and valuables combined. This limit is increased to $750 per item under a Domestic Plan.

What is the maximum trip length allowed on a Jetstar Premium Overseas Travel Insurance policy?

This policy covers return journeys from Australia for a maximum duration of 12 months.

Does Jetstar Travel Insurance provide cover for business trips?

No, Jetstar Travel Insurance excludes claims arising from any business commitment, financial or contractual obligation.

What happens if I have a pre-existing medical condition?

Jetstar Travel Insurance does not provide cover for many pre-existing medical conditions and you cannot apply to have your condition covered. However, you can still add Jetstar Travel Insurance to your itinerary and be covered for claims arising from other insured events.

Is there a cooling-off period?

Yes, you have 14 days after your cover application has been accepted to decide whether or not Jetstar Travel Insurance is right for you. A full premium refund is paid if you cancel your cover during this time.

Are there any countries where Jetstar Travel Insurance will not provide cover?

No insurance cover is available if you travel to any of the following places:

• Crimea Region
• North Korea

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.

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Home > Travel Insurance > Jetstar Travel Insurance Review

Jetstar Travel Insurance Review

Learn more about Jetstar’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

Not just a budget airline, Jetstar Airways also offers a suite of travel insurance products tailored to international and domestic travellers. Issued and underwritten by AIG Australia, Jetstar allows you to purchase protection for your trip at the same time you book your flights.

If you have your eye on one of Jetstar's travel insurance products, it’s important to find out more about what they offer and compare it with other policies right here with Savvy. This will help you take care of all your travel-related requirements and ensure you have the finest protection possible.

Get a quote right away and compare Jetstar's travel insurance options with Savvy to learn more.

*Please note that Savvy does not represent Jetstar for its travel insurance products.

More about Jetstar travel insurance

What travel insurance policies does jetstar offer.

Jetstar offers several travel insurance policies; however, you must have a flight booking with them to purchase a policy. These include:

• Essentials Plus International Travel Insurance: this type of policy for overseas travel covers you for cancellation of your trip, medical and hospital expenses, your baggage and personal items and personal liability if you’re embroiled in legal issues while you’re on holiday abroad.
• Domestic Travel Insurance: suited to those who are taking a holiday within Australia, Jetstar’s domestic policy covers the basics such as cancellation of your travel tickets, extra accommodation and meal expenses, checked-in baggage, the excess on a hire car and missed connections. This domestic policy is also available as a family plan.
• Trans-Tasman Travel Insurance: this policy covers you for trips taken to New Zealand with Jetstar. Some of the key areas of cover include emergency medical evacuation, additional travel costs, checked-in luggage cover and a quarantine allowance if you’re diagnosed with COVID-19 while on your holiday.

Travel insurance is always a must, no matter whether you’re flying to Denmark , hopping across to New Zealand or taking a trip up to Darwin. As such, it’s important to compare policies with Savvy to ensure you find the one which offers the most suitable coverage at an affordable price.

What optional extras are available through Jetstar?

Similar to a few other travel insurance companies, Jetstar doesn’t offer any optional extras that you can tack onto your standard policies, such as coverage for winter sports or adventure activities.

What exclusions should I be aware of when buying travel insurance through Jetstar?

Even though travel insurance is designed to protect you against the unexpected and unplanned while on holiday, it won’t cover you for every single thing that goes wrong if you’re travelling domestically or internationally. As such, Jetstar has a few exclusions on their policies including:

• Losing your belongings if you aren’t taking proper care
• Travelling on a privately-chartered plane or boat
• Booking travel against doctors’ advice
• Items confiscated by government officials
• Breaking the law or road rules in your hire car
• Accidents caused by the consumption of alcohol or drugs
• Intentionally injuring yourself or attempting suicide
• Claims for treatment for unapproved pre-existing medical conditions, such as mental illness

If you’ve found a policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Jetstar travel insurance

What we like, very cheap travel insurance policies.

Jetstar offers extremely cheap travel insurance policies that start from as low as $27 per person, potentially saving buyers a significant amount on their cover.

Inexpensive excesses

While many travel insurers require you to pay up to $250 to make a claim on your travel insurance, Jetstar’s $100 excess requirement  is comparatively quite low.

Cover for help at home

If you’ve had a stint in hospital on your holiday for more than ten days, Jetstar pays for a housekeeper to help you out upon your return home.

What we don't like

Limited to jetstar passengers.

Unless you’ve booked to travel on a Jetstar flight, you won’t be able to purchase a travel insurance policy through the airline.

No optional extras available

Jetstar doesn’t offer any optional extra coverage for activities such as winter sports or motorcycle riding, which could leave you without cover if you’re planning on indulging in these on your holiday.

Capped overseas medical cover

In most cases, travel insurance companies allow you to claim an unlimited amount for medical treatment or hospital costs overseas. However, Jetstar caps this at $2.5 million.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Jetstar travel insurance

Yes – Jetstar offers cover for COVID-19-related costs. For example, they cover the cost of any medical treatment necessary if you’re diagnosed with the virus while travelling and they also allow you to claim up to $5,000 for cancelling your ticket and travel plans due to a positive diagnosis on certain policies.

You must notify AIG of your claim if you need to make one under your Jetstar Travel Insurance policy within 30 days of returning home. You must offer the following information for your claim to be processed:

• Travel insurance certificate
• Supporting documents such as receipts or medical reports

  Usually, travel insurance companies will respond to your claim within ten working days. During that period, they may request additional information to help process your claim. It’s best to respond promptly to ensure the process is hassle-free.

Yes – Jetstar can provide cover for injury or illness to those bearing children so long as they are no further than 26 weeks along in their pregnancy. You’re also covered if your injuries or illness accelerate your child’s birth. However, you won’t be covered for routine doctor’s visits or attempting to give birth using IVF while on holiday.

Unlike other travel costs, there’s no one-size-fits-all price when it comes to travel insurance , with the premium you pay determined by a range of variables which include:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

Jetstar doesn’t cover pre-existing medical conditions under any of its policies. However, they’ll cover a range of illnesses they deem not to be long-term, such as acne, allergies, cataracts, coeliac disease, eczema and glaucoma.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Jetstar Travel Insurance

Important information on terms, conditions and sub-limits.

Holidays can be stressful as is, so travel insurance can be a great addition to your peace of mind. If you’re looking to take out Jetstar Travel Insurance ahead of your next trip, here's the lowdown on your options with this provider.

About Jetstar

Flying Jetstar? You’ll be glad to know it also offers its own brand of travel insurance. Policies vary depending on the level of cover you’re after, but each will go a long way toward protecting you in case of any unexpected events on your holiday. Jetstar Travel Insurance is underwritten by AIG.

Jetstar plans

Jetstar offers a number of policies to suit both domestic and overseas travellers, from simple luggage protection and cancellation cover to extensive policy to protect you in the case of the worst of mishaps. Below is an overview of Jetstar Travel Insurance.

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Essentials Plus

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does Jetstar cover pre-existing conditions?

Generally, Jetstar doesn’t offer coverage for pre-existing medical conditions unless specified by your policy or certificate of insurance. You can read the PDS to get the full benefits and exclusions or reach out to Jetstar to discuss your situation.

Check out our guide for more information on pre-existing conditions and what you can expect from insurance providers.

How do you cancel your Jetstar policy?

If you decide to cancel your Jetstar travel insurance policy within 14 days of purchasing it, you’ll receive a full refund of your premium (assuming you haven’t made any claims, of course). If, however, more than 14 days have passed, you won’t be able to get your premium refunded.

How do I make a claim with Jetstar Travel Insurance?

If an incident occurs at some point during your trip and you need to make a claim, it will have to be done within 30 days of the completion of your trip. To make sure the claims process goes as smoothly as possible, you’ll need to have the following:

• Documents relevant to your loss or expenses, such as original invoices, receipts and vouchers
• Your Certificate of Insurance
• Any supporting information

And if you’d like some more information on making a claim, be sure to check out our travel insurance claims guide .

Wondering what other travellers think of Jetstar Travel Insurance? Check out how the Mozo community has rated it on trustworthiness and value for money.

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Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.

We do not compare all brands in the market, or all products offered by all brands. At times certain brands or products may not be available or offered to you. If you proceed with a travel insurance policy through Mozo, Mozo may receive a referral fee.

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Airline and travel agent travel insurance vs buying direct

Should you tick the travel insurance box when booking flights online or with a travel agent, or buy it separately.

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

Need to know

• You could pay wildly different prices buying 'add-on' travel insurance from an airline or a travel agent versus buying direct
• Flight purchase screens often don’t give you the time to read the fine print in full
• The travel agent may tell you you're covered, but it doesn't mean you are

A 2022 survey by the Department of Foreign Affairs and Trade (DFAT) and the Insurance Council of Australia found a number of people have or would consider buying travel insurance with an airline (16%) or through a travel agent (25%).

This could be an expensive way to buy your travel insurance if you don't shop around, though. We found that a couple in their forties travelling to Bali for a week would pay $218 more for their travel insurance by clicking the checkbox on Virgin's online flight booking page compared to buying the same policy from Virgin's standalone online travel insurance website. 

And with only 43% of people reading their travel insurance product disclosure statement (PDS) in detail, do you know what you're paying for when you tick the travel insurance box?

On this page:

What does travel insurance from an airline cover?

Will travel insurance cover if your airline goes broke, what does travel insurance from a travel agent cover, is travel insurance from an airline or travel agent any good, what does airline travel insurance cost, what does travel agent travel insurance cost.

It's midnight, and you're stranded at the airport exhausted and frustrated because your flight is cancelled. The airline desk has shut up shop, so you don't yet know when the next flight is, or whether the airline is going to pay for the mess they've created for you.

All you need is a meal, a taxi and a hotel room to sleep in. The travel insurance you bought from the airline will cover those extra expenses, won't it? Well, maybe – just because you bought travel insurance from an airline doesn't mean you're covered for travel problems caused by your airline.

The insurance policies sold by Qantas and Virgin won't cover claims to cancel or amend your trip due to the mechanical breakdown of your transport.

Jetstar's travel insurance, meanwhile, won't cover 'cancellation, delays, or rescheduling caused by your covered transport provider, including Jetstar '. 

So if you have to cut short part or all of your trip because Jetstar cancels or reschedules a flight for its own reasons, Jetstar tr avel insurance won't cover your cancellation expenses.

The international travel insurance sold by the Australian airlines generally will cover you for additional or cancellation expenses for interruptions to your flight caused by severe weather, strikes, or collisions. They'll also cover you for additional expenses or cancellation claims if you contract COVID-19, but they won't cover you if your airline has to cancel or reschedule the flight due to another pandemic.

If you're out of pocket because the airline delayed or cancelled your flight, try to claim compensation from the airline before you claim on your travel insurance – even if you bought your travel insurance from the airline.

*Covered for additional expenses but not for cancellation claims.

If the airline you're flying becomes insolvent, as Virgin Australia almost did during the pandemic, then the airline's travel insurance won't cover you for your losses. In fact, they don't cover your losses if any travel provider or agent goes broke and takes your money with them. 

This isn't unusual – no travel insurer in our comparison will cover your losses for insolvency of a travel agent, and very few will cover you if a travel provider goes broke. That's why it's best to pay for your travel with a credit or Visa/Mastercard debit card, and use your bank's chargeback service if all else fails.

Read the terms and conditions, but lose your flight booking

The last few years of travel turmoil underlined how important it is to read the travel insurance PDS and understand what you're covered for.

Pre-pandemic, Virgin travel insurance didn't cover cancellation expenses resulting from pandemics such as COVID-19. And while Virgin will provide limited cover now if you catch COVID-19, none of the airline's travel insurance policies will cover your cancellation expenses for other pandemics.

But the flight purchase screen places a time constraint on how long you have to read the PDS. Qantas's terms and conditions, for example, run to almost 22,000 words. It takes the average adult over an hour and a half to read such a document, but the Qantas flight purchase screen times out in 10 minutes, so you'll lose your flight if you try to read the fine print.

None of the travel insurance policies in our comparison , including those from Flight Centre and Webjet, will cover your losses if the travel agent goes broke. So just because you buy insurance from the travel agent, don't expect it to cover you if their business runs into the ground.

Comprehensive travel insurance will generally cover you for a travel agent's fees up to a specified limit if you have to cancel a trip. Flight Centre and Webjet cover this up to $4000.

*Travel providers include airlines, hotels, bus lines and cruise lines.

The travel agent's word isn't binding.

The Australian Financial Complaints Authority's (AFCA) dispute decisions reflect several cases where people say they relied on their travel agent's advice about their travel insurance, but were ultimately left disappointed and out of pocket.

Conversations with a travel agent aren't recorded like they generally are when you call an insurer directly, so any conversation you've had with your travel agent about insurance will boil down to hearsay. And in one decision, AFCA stated the "travel agent's opinion that the claim would or should be covered is not binding on the insurer". So don't take the travel agent's word for it.

Examples of denied claims for people relying on travel agent advice

• A couple said the travel agent told them the policy they were sold covered them for pregnancy. However, the policy provided by Zurich Insurance didn't cover them for pregnancy, and when they complained, they were unable to provide evidence that the travel agent said this.
• A man with an existing medical condition booked his first overseas holiday. He said he wasn't given a PDS or asked any questions by the travel agent about pre-existing medical conditions, and if he was asked, he would not have booked a holiday for that time knowing he may lose the money. AFCA said there was no indication the travel agent provided misleading or incorrect advice regarding the coverage.
• A woman cancelled her trip for financial reasons, which was not covered by her travel insurance. She said she was misled about the cover by the travel agent when she booked a non-refundable ticket, because the travel agent told her she would be covered for job loss.

A good travel agent will provide you with the PDS when they give you a quote for travel insurance, and they'll also give you time to read it and make a decision as to what cover is best for you. If the agent advises anything that isn't included or is contradicted by the travel insurance PDS, check with the travel insurer. Even if it can be proved the travel agent gave bad advice, the travel agent's opinion is unlikely to be binding on the insurer.

The 'checkbox' travel insurance sold while you're otherwise booking flights with an airline or accommodation with a travel agent often has the same, or sometimes even better, coverage than travel insurance sold separately.

Below, we compare the prices of checkbox travel insurance to standalone travel insurance. Some of these policies are the same, such as for Virgin, but some are different brands sold by the same underwriter. 

We found buying travel insurance on Virgin's flight checkout screen cost 41% more than buying the same policy from Virgin's standalone online travel insurance website.

That was for a couple in their forties travelling to Bali, but if you're a family flying with kids, the cost can get even uglier if you click Virgin's travel insurance checkbox. Jetstar and Virgin Australia flight purchase screens charge per person for every traveller, including the kids. 

Buying direct, a family policy costs the same as a couple policy, with the kids covered free. If you buy travel insurance from Virgin's flight purchase screen you'll need to call to get the cheaper rate for kids under 21 travelling with you.

Travel insurance policies from the same underwriter can still vary widely from brand to brand in what they cover

The bottom line? If you click the travel insurance checkbox on Virgin's flight screen, you'll probably get ripped off. Buy your travel insurance direct instead, and get the same policy for a cheaper price.

Qantas travel insurance, on the other hand, costs 70% less than the insurance sold by the same provider, NIB. So it pays to shop around to make sure you get the best deal.

Travel insurance policies from the same underwriter can still vary widely from brand to brand in what they cover. The Qantas policy we compare, for example, only covers adults under 70 years old (older travellers will be directed to buy a different policy), while NIB is unlimited.

However, Qantas travel insurance comes with unlimited cancellation by default, while for NIB you'll need to choose the level of cancellation you want. And the Qantas cover limit for lost or stolen baggage is higher than NIB's.

*Jetstar travel insurance is excluded because it is provided by AIG, who no longer offer a standalone travel insurance product in Australia.

**Unlimited cancellation, $8000 rental vehicle excess selected for NIB and Qantas.

Our couple flying to Bali could pay $147 more for their travel insurance if they click Flight Centre's travel insurance checkbox instead of buying a policy direct from Flight Centre's travel insurance website. 

But there are differences between the two policies – for example, the policy bought directly from Flight Centre's website instead of as an add-on provides a higher overall cover limit for baggage. For Webjet, our couple could actually get a better deal through the travel insurance checkbox.

*$250 excess and $3000 cancellation limit selected for both direct and the flight purchase screen.

**$100 excess and Unlimited cancellation limit selected for both direct and the flight purchase screen.

Travel insurance sold by travel agents isn't necessarily any better or worse than insurance sold directly. It boils down to the terms and conditions of the policy. You need to know and understand what you're covered for – and you can't rely on what the travel agent tells you.

Aussietravelcover insurance, which is commonly sold by travel agents, costs 221% more than buying direct with the provider, Allianz, for a trip to the USA. Some travel agents offer a 25% discount on Aussietravelcover policies, but even with the discount you're paying over double the price of buying direct from the provider.

Exactly why you pay so much more is unclear but  IBISWorld reports  travel agents earn income from commissions, including high retail margin travel insurance.

Stock images:  Getty, unless otherwise stated.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Best COVID-19 Travel Insurance in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Factors we considered when picking travel insurance that covers COVID

An overview of the best travel insurance for covid , top travel insurance for covid options , additional resources for covid-19 travel insurance shoppers.

No matter how well you prepare, travel plans don’t always go as expected. Some travelers buy travel insurance to protect their investment in prepaid travel costs. Amid the ongoing pandemic, exploring travel insurance with COVID-19 coverage is recommended. With the right policy, you can protect yourself if you need to cancel your trip or end it early due to illness. Many insurers offer travel insurance policies with this kind of coverage. 

This is the shortlist of the best travel insurance for COVID options: 

Berkshire Hathaway Travel Protection . 

John Hancock Insurance Agency, Inc.  

Seven Corners . 

Travelex Insurance Services . 

Travel Insured International . 

WorldTrips . 

We used the following factors to choose insurance providers to highlight in our best travel insurance for COVID list: 

Range of coverage: We looked at how many plans each company offered with COVID-19 coverage, plus the range of available plans. 

Depth of coverage: We compared the maximum caps for trip cancellation and trip interruption claims between carriers and plans.

Medical benefits: We examined whether plans included emergency medical benefits for COVID-19 reasons and whether plans included medical evacuation and repatriation benefits. 

Cost: We determined an average cost for shoppers to benchmark plan prices by looking at the basic coverage costs for plans with COVID-19 benefits across multiple companies.

We looked at quotes from various companies for a six-night trip in May 2023 to Croatia. The traveler was 30 years old, from Texas and planned to spend $1,500 on the trip, including airfare.

On average, the price of each company’s most basic coverage plan with COVID-19 coverage was $47.22. The prices listed below are for the most basic COVID-19 travel insurance coverage. All insurers offer multiple COVID-19 policies with greater coverage coming at a higher cost. 

Let's take a closer look at our eight recommendations for travel insurance with COVID coverage: 

Berkshire Hathaway Travel Protection

What makes Berkshire Hathaway Travel Protection great:

Several plans allow policyholders to cancel for COVID-19 sickness as part of trip cancellation and trip interruption insurance benefits. 

Several plans include COVID-19 medical coverage benefits.

Medical evacuation benefits are included in these plans. 

Plans include limited sports and activities coverage and sports equipment loss benefits. 

Basic Berkshire Hathaway Travel Protection will run you $50 for an ExactCare Value policy, the company’s most basic COVID-19 travel insurance coverage option.

What makes IMG great:

Many plans include COVID-19 cancellation benefits.

Most of these plans also include COVID-19 medical benefits (the Travel Essentials plan doesn’t include this). 

Medical evacuation coverage is available on select plans. 

Coverage for adventure travel is available for an extra cost. 

IMG is a good option for the budget-minded: Its Travel Essential plans cost more than $10 less than average based on our comparison. 

John Hancock Insurance Agency, Inc. 

What makes John Hancock Insurance Agency great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancellation coverage. 

These plans offer COVID-19 medical benefits.

Medical evacuation coverage is included in all COVID-19 coverage plans. 

The John Hancock Insurance Agency, Inc. basic plan (Bronze) costs $56. 

Seven Corners

What makes Seven Corners great:

Multiple plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans include COVID-19 medical benefits and evacuation and repatriation benefits.

There is no medical deductible. 

Seven Corners’ basic coverage plan (RoundTrip Basic) for our trip to Croatia costs $44.

Travelex Insurance Services

What makes Travelex Insurance Services great:

Multiple plans include Covid-19 sickness coverage, which reimburses prepaid and nonrefundable trip payments if a trip is canceled or interrupted due to a traveler contracting the virus.

These plans also include COVID-19 medical benefits.

Medical evacuation and repatriation benefits are included. 

Basic coverage (Travel Basic) from Travelex Insurance Services costs $44 for our sample trip, which is slightly cheaper than average. 

Travel Insured International

What makes Travel Insured International great:

Multiple plans cover COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

These plans also include COVID-19 medical benefits, including medical evacuation. 

Limited sports and activities coverage is included in plans with COVID-19 coverage. 

Travel Insured International's basic coverage (Worldwide Trip Protector Edge) begins at $55 — only a few dollars more than the average basic policy price. 

What makes Tin Leg great:

A wide range of plans offer COVID-19 cancellation benefits as part of the included trip interruption and trip cancelation coverage. 

All of these plans also include COVID-19 medical benefits. 

All of these include medical evacuation benefits. 

An adventure travel policy is available. 

Another plus: Tin Leg’s basic coverage plan (Basic) for our trip to Croatia costs $48.85 — making it right around the average price for the policies we covered. 

WorldTrips 

What makes WorldTrips great:

Several plans include medical coverage for COVID-19. 

Sports and activities and sports equipment loss are included. 

Coverage can be extended for up to thirty days, including for medical quarantine purposes. 

WorldTrips’ most affordable plan with COVID-19 coverage (Atlas Journey Economy) starts at $44, making it a low-cost option. 

Do you want to learn more about travel insurance before you spend money on a policy? Take a look at these resources: 

What is travel insurance?  

What does travel insurance cover? 

The best travel insurance companies 

How to find the right travel insurance for you

10 credit cards that provide travel insurance

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.