Travel insurance can be a costly expense for anyone. New Zealand seniors feel the pinch especially hard, as travel insurance gets more expensive as you get older.

Whether you’re perfectly healthy or have a history of ailments, insurance companies in general charge a little more for insurance once you reach 55.

In this review, we compare the prices and plans for seniors travel insurance.

Need to know

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully. Read the terms and conditions of policy wording and description of coverage to decide if the policy you choose is right for you.

If you have a pre-existing condition (like diabetes or high blood pressure), find out if the policy will cover you. There are policies that automatically cover some specific pre-existing conditions for New Zealand seniors.

Travel Insurance Review Comparison for New Zealand Seniors

For this review of nz seniors travel insurance, we compared rates for a two week vacation to Australia for a couple, aged 71 and 72 with no pre-existing conditions.

All prices are in NZ dollars.

The bottom line: What’s the most affordable travel insurance for seniors in New Zealand?

For our couple who are over 70, the most affordable insurance we found was a $161 comprehensive plan with 1Cover, with unlimited overseas medical costs, trip cancellation and baggage insurance.

Downunder Travel Insurance came in close at $181.34, with unlimited medical insurance, trip cancellation and baggage insurance.

Travel Insurance Direct came in at $222, with unlimited medical insurance, and trip cancellation and baggage insurance. If you have a pre-existing condition, Travel Insurance Direct may be worth a look, as their policy  automatically included 43 Pre-existing Medical Conditions at no extra cost.

Cheaper options for Seniors under 70

If you’re a senior who’s over 50, but not quite in your 70’s you do have some cheaper options.

World Nomads was $123.60 for a couple aged 66 and 65, including 10 million in overseas medical costs, trip cancellation and baggage insurance.

Compass Travel Insurance offered an even more affordable insurance for those over 65 at $115.90, with unlimited overseas medical assistance, trip cancellation and baggage insurance.

1Cover Travel Insurance

1Cover Travel Insurance is a good sized company based in Australia. They offer a decent array of products including for those aged 55 and over. You can read more about them on our 1Cover Travel Insurance Review.

If you’re over 70 (like our sample couple), 1Cover had the cheapest rate we found. Their single trip Comprehensive plan came in at only $161, and includes unlimited emergency medical costs, unlimited trip cancellation and a $100 policy excess.

If you’re over 81 years of age, you’ll need to submit a medical declaration form.

Includes:

  • full comprehensive coverage
  • trip cancellation
  • $1 million liability
  • direct pay

Multi-trip Plan option

1Cover Travel Insurance also offers a multi-trip Frequent Traveller (International) Plan for $990 NZD.

It’s a 12 month policy that allows an unlimited number of trips per year, with a maximum trip length of 90 days. It isn’t available to  travellers aged 76 years or over. Benefits are similar to the single trip comprehensive plan, including unlimited emergency medical costs, unlimited trip cancellation and a $100 policy excess.

How to get a 1Cover quote

Just go to the 1Cover Travel Insurance or type in your information below to get a quote.

World Nomads

World Nomads (Lonely Planet’s Travel Insurance) is one of the biggest travel insurance companies in the world. Based out of Australia, they’re big with the backpacker/adventure crowd.

Because WorldNomads will only insure you if you’re under age 70, we got a quote for a two week vacation to Australia for a couple, aged 66 and 65 with no pre-existing conditions.

The price came in at an affordable $123.60 NZD for their Standard emergency medical plan and 161.60 NZD for the Explorer plan. The plans are similar, as both include emergency medical insurance, trip cancellation and interruption insurance – the Explorer plan has higher limits.

Want to learn more about World Nomads? Check out our review of World Nomads travel insurance for Kiwis.

How to Get a Quote

You can get a quote from World Nomads online, or just use the form below to get a quote directly from World Nomads.

World Escapade

World Escapade is a worldwide company with many regional divisions that offers travel insurance to New Zealanders, and residents of many other countries. Check out our review of World Escapade here.

While we find that World Escapade has competitive prices for backpackers and younger travelers, their prices for New Zealand seniors were the highest in our comparison.

Their Magellan B2C policy was 212 Euro (315.52 NZD at the time of writing), and included medical expenses but no baggage or trip cancellation. The Complete policy was a whopping 353 Euro (525.38 NZD at the time of writing), and included medical expenses, personal liability and baggage.

Magellan B2C Policy Includes:

  • medical expenses 100% of actual costs
  • baggage
  • €4,500,000 liability

How to get a World Escapade Quote

Just go to the World Escapade website to get a free quote.

Travel Insurance Direct

Travel Insurance Direct NZ had the third cheapest policy at $222 NZD, with unlimited medical insurance, trip cancellation and baggage insurance.

The Travel Insurance Direct policy may be worth a look, as their policy automatically included 43 Pre-existing Medical Conditions at no extra cost.

Includes:

  • comprehensive coverage
  • unlimited medical insurance
  • trip cancellation
  • baggage

You can get a quote with Travel Insurance Direct online.

Downunder Travel Insurance

Downunder Travel Insurance (DUinsure) came in with the second cheapest plan (their Plan H – Explorer International plan) at $181.34, with unlimited medical insurance, trip cancellation, baggage insurance and a $100 excess.

If you’re the active type, many sports claims are excluded, including open water sailing, para-sailing and racing.

Includes:

  • comprehensive coverage
  • unlimited medical insurance
  • trip cancellation
  • baggage
  • 79 years and under

They also have a slightly more expensive plan (Plan A Comprehensive International) at $207.39, which offers slightly higher limits on cancellation and baggage. The Plan A Comprehensive International has no age limit, but you’ll need to fill out a medical questionnaire if you’re 80 or over, and you may a higher excess and other conditions.

Get a quote on the Downunder Travel Insurance website.


Downunder Insurance

Compass Travel Insurance

Compass Travel Insurance, like World Nomads, only insures New Zealanders under the age of 70.

However, if you’re young enough, Compass came up with the cheapest travel insurance for a couple of 65 year old seniors, at $115.90.

Includes:

  • comprehensive coverage
  • unlimited medical insurance
  • trip cancellation
  • baggage
  • 69 years and under
Compass also offers an annual trip option for $485 that lets you travel as often as you like within 12 month period as long as each trip is no longer than 90 consecutive days that’s available to travellers aged 69 years and under.

Squaremouth

Squaremouth is a travel insurance comparison website. It’s based in the USA, but does give quotes for New Zealand residents.

For our couple, we got some very affordable quotes, starting at $59.75 USD ($78.92 NZD at the time of writing) from iTravelInsured. Unfortunately, this only included $10,000 in emergency medical insurance, and no trip cancellation or interruption. Bumping the emergency medical insurance up to only $50,000 and still no cancellation or interruption brought the premium up to $157.15 USD (207.64 NZD at the time of writing).

For our travellers, the Squaremouth quotes didn’t offer any plans with more than $50,000 USD in emergency medical insurance. Hospital costs can easily exceed $50,000 for many procedures in Australia, even without an extended medical stay. For example, an angioplasty costs approximately $42,130 USD in Australia, while a single day’s hospital stay costs $1,308 USD (Source).

That said, Squaremouth does have some useful filters, which are helpful if you’re looking for a specific type of insurance. For example, you can use filters that will let you see only plans with with hazardous sports coverage, coverage for pre-existing conditions, plans that allow you to cancel for any reason, or plans that offer $1 million or more in emergency medical insurance.

It may be worth getting a free quote with Squaremouth if you’re looking for a very specialized type of insurance.

Includes:

  • low limits on medical insurance ($50,000 max.)
  • does not include trip cancellation or baggage

How to Get a Squaremouth quote

Just go to the Squaremouth website and type in your trip dates and age. You can select filters like pre-existing conditions or the amount of emergency medical insurance.

The Bottom Line

If you’re over 70, 1Cover ($161) and Downunder Travel Insurance ($181.34) offer best price travel insurance for over 70s, both with plans that include unlimited overseas medical costs, trip cancellation and baggage insurance.

If you’re under 70, you have cheaper options with World Nomads ($123.60) and Compass Travel Insurance ($115.90).

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully and contact your travel insurance provider for up to date information.