Compare Travel Insurance Providers (Over 40s)
A simple way to compare common policy features, what to check, and how to narrow down the best option for your trip as an Australian over 40.
Disclosure: We may earn a commission from qualifying purchases. Information is general in nature and not financial advice.
Quick Comparison Checklist
- Medical cover limit: check the maximum benefit and exclusions.
- Pre-existing conditions: confirm what must be declared and how approval works.
- Cancellation cover: verify what’s covered and claim conditions.
- Excess: a higher excess can reduce premiums, but costs more if you claim.
- Activities: cruises, scooters, skiing and adventure can be excluded or optional.
- Trip length: single trip vs annual multi-trip may change value.
How to Compare Providers (Simple Method)
Instead of trying to compare everything at once, narrow your choices with a simple 3-step process:
- Step 1: List your trip basics (destination, dates, budget, activities).
- Step 2: Identify your “must-haves” (medical, cancellation, baggage, rental car excess, cruises).
- Step 3: Compare 3–5 providers side-by-side using the same checklist every time.
What Matters Most for Australians Over 40
As we get older, the biggest differences between policies tend to show up in medical cover rules, how pre-existing conditions are handled, and exclusions (especially for activities). Always read the product disclosure statement (PDS) for your chosen provider.
- Medical + hospital cover: often the most important for overseas trips.
- Pre-existing condition rules: not all providers treat these the same.
- Cancellation cover: useful for expensive trips and non-refundable bookings.
- Excess and limits: lower premium sometimes means higher out-of-pocket when claiming.
Comparison Table (Use This to Evaluate Providers)
Use this as a practical framework. You can copy the table into a note and compare providers using the same criteria.
| Factor | What to check | Your notes |
|---|---|---|
| Medical cover | Limits, exclusions, hospital/ambulance, emergency support | |
| Pre-existing conditions | Declaration rules, approval process, waiting periods, exclusions | |
| Cancellation | Covered reasons, max benefit, claim requirements | |
| Activities | Cruises, scooters, skiing, adventure activities, add-ons | |
| Excess | Standard excess + options to increase/decrease | |
| Value | Premium vs features you actually need for this trip |
Next Steps
- If you want a simple starting point, begin with our main guide.
- If cost is your priority, use the cheap travel insurance page to avoid common traps.
- If you have a medical condition, read the pre-existing conditions guide before buying.
Disclosure: This site may earn a commission from qualifying purchases. Always check the provider’s PDS and policy wording to confirm cover and exclusions.