Best Travel Insurance for Australians Over 40 (2026 Guide)
A clear, practical guide to choosing travel insurance after 40 — what to check, what to compare, and how to avoid common mistakes.
Disclosure: This site may earn a commission from qualifying purchases. Information is general and not professional advice.
Quick Checklist (Over 40)
- Medical cover: Confirm emergency medical limits and hospital coverage.
- Pre-existing conditions: Check what must be declared and how assessment works.
- Cancellation: Review what events are covered and any exclusions.
- Excess: Compare excess amounts and how they apply per claim/person.
- Activities: Confirm coverage for cruises, scooters, hiking, diving, and sports.
- Destination rules: Some regions have higher medical costs and stricter policy terms.
How to Choose the Best Travel Insurance After 40
Travel insurance can look similar on the surface, but the details matter — especially around medical coverage, existing health conditions, and how claims are assessed. The goal is to find a policy that fits your trip, your health profile, and your risk tolerance.
1) Start with your trip and your health profile
Make a short list of destinations, trip length, and planned activities. If you have any ongoing conditions (even stable ones), you’ll want to check how each insurer handles assessments and whether extra premiums apply.
2) Compare medical limits, not just price
Cheaper policies may have lower limits, higher excess, or exclusions that matter. Focus on emergency medical limits, hospital cover, evacuation, and what “reasonable expenses” means in the policy wording.
3) Check cancellation and amendment rules
If you need to cancel or reschedule, what events are actually covered? Look at waiting periods, required documentation, and exclusions (for example, known events or undeclared medical conditions).
4) Confirm activities and add-ons
Many Australians over 40 travel for cruises, hiking, scooters, or adventure activities. These may require add-ons, or may not be covered at all under basic policies.
5) Use reviews to spot patterns (but verify terms)
Reviews can highlight common frustrations (claim delays, documentation requests, misunderstandings). Use reviews as a signal — then confirm the official policy wording before buying.
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Disclaimer: This content is for general information only and does not consider your objectives, financial situation, or needs. Always read the PDS and policy wording before purchasing.