A good product
Easy to set up, not in use yet so have not had to make a claim yet. Seems to be good value and pleasant and professional person taking information . Called back when indicated.
All covers from all company’s are to expensive but you need it & I’m happy,first policy with seniors seems good hope I never have to use it and we all stay safe
Being on a State pension it is very expensive but I had to have it.
In hindsight yes but still a lot of money
Nothing to lodge as this is my first holiday with Australian Senior Insurance.
1st time using Australian Seniors as they were slightly cheaper than some others.
The reviewer stated that an incentive was offered for this review
The cost is on the high side for seniors who wish to travel. Australian Seniors should consider reducing this cost to encourage more seniors to take up travel insurance and encourage them to take unnecessary risk.
Need for simplification
First time user. Cost higher than expected but decided to go with it due to the good reputation of Seniors. A Product Disclosure Statement of more than 60 pages is quite overwhelming. There is a need to simplify this documentation if clients have any hope of reading it.
Great for my need
Best value policy after researching. With a user friendly website to get a quote emailed so as able to accept and pay when convenient. I have used several times when needing extra cover over and above my credit card complementary insurance benefits.
It meets our Needs
Policy was good value compared to other companies, easy to apply. This is the first time I have taken travel insurance with Australian Seniors. Would have preferred that High blood pressure/Cholesterol were included in top cover. Most people in our age bracket take medication.
Travel insurance, a necessary cost of international travel
It seemed a little more expensive than other trips although this was more extensive. I have not lodged a claim and this is our first policy with Aus Seniors. It was easy to set up as the representative explained all aspects and ensured I understood the application of key elements of the policy including pre existing medical conditions, a very important element for senior travellers.
Travel Insurance, had good help in dealing with a recent medical condition.
Have used this travel insurance for three years but have not needed to make a claim. Therefore it is a bit hard for me to rate how efficient the service is but have been happy otherwise.
Easy to set up but unreasonable for the cover on blood pressure and cholesterol and osteoporosis as conditions are very minimal.
I have used this insurance company many times and have NEVER not been covered
Website easy to understand
Website is user friendly. Site easy to understand. This company had good reviews. Cover is very comprehensive. Call centre staff very friendly and helpful. However the proof will be if we need to make a claim.
I haven't travelled yet so can't comment
The first time I have used them for travel. The representative was very helpful, patient and knowledgeable. It took me several days and several phone calls to lodge this claim.
OVER 80s TRAVEL INSURANCE
Because of pre-existing health issues the health questionnaire was lengthy although fairly well explained by staff member assisting me. Later I read some of the PDS and found reference to another condition which wasn't covered in the phone interview. Second phone call to STI clarified my concerns which were thoroughly considered by the service staff person with whom I spoke. Service was courteous and online quotation/policy was fast. Haven't yet had the trip so hope any possible future claims will be as positive and treated with the same courtesy and assistance.
Once again your representative was extremely helpful in arranging insurance for our forthcoming trip. our only regret is that because you are reviewing future arrangements we were unable to take out our usual annual cover.
Good travel insurance
I originally chose Seniors Travel Insurance because my pre-existing medical conditions did not incur extra cost because they were controlled and I would not expect any travel incidents or need for additional cover. But this time I was hit with an additional $170 approx. charge because I wanted you to know about them else my policy may be void for all claim types.
Very competitive and easy to understan
Good Value. 2nd time customer. no claims so cannot comment on length of time re claim. Have not undertaken my journey yet, 3 weeks to go but would not travel without some sort of insurance.
WILL HAVE TO WAIT AND SEE
Hard to give an accurate rating as we haven't travelled yet. The application process was easy to use and pretty straight forward. This is all I have to base my review on.
Helpful but laborious and a mistake was made
I haven't traveled yet so can't comment on the claims process... hopefully I won't have to.
I organised cover for 6 of us under 4 policies over the phone as I needed to discuss existing medical conditions I had to listen to the same disclaimer 4 times... surely there must be a better way.
Once the policies were organised and paid for I received the insurance certificate by email and noted that my sisters date of birth had been incorrectly listed. When I tried to get it corrected I was told only she was able to do it and yet I set the policies...up only 10 minutes earlier. Not sure how I can arrange a policy but not amend it???? The good news is that the person I dealt with was very helpful, was locally based and spoke English well enough that I could understand her with no difficulty. This is the first time I have used the company and I felt the premiums were a bit more expensive than some other companies but the other companies wouldn't cover my mum (she's 76).
Ok except fo high pre existing medical
The policy was good value although the pre-existing medical conditions costs seemed to be excessive.
These staff were very friendly and provided me with all the assistance I needed.
I first checked this policy out online but the next day I was called by an agent this is something I do not agree with
The preexisting medical conditions are a bit harsh and very expensive looking at where some of the conditions dated back from 10 to 43 years which are stable and under control with medicine. There could be a level of consideration for those with good level of fitness and well being.
Questions & Answers
Is there an age limit for overseas medical coverage
Thank you for reaching out to us with your query. In accordance with the Australian Government’s travel restrictions and due to the complex and unpredictable nature of travel currently, we have taken the difficult decision to suspend sales of travel insurance. Like many, we are hopeful that the global response to COVID-19 will see us all travelling again soon. In the meantime, there may be other suitable options if you intend on travelling. You can refer to The Insurance Council of Australia website for a list of providers; https://www.findaninsurer.com.au/category/36
Quote for domestic cover for 75 year old with no health problems from 14 August to 2 September. Dk you cover for cancellation because of border closures
Thank you for reaching out to us with your query. In accordance with the Australian Government’s travel restrictions and due to the complex and unpredictable nature of travel currently, we have taken the difficult decision to suspend sales of travel insurance.
Like many, we are hopeful that the global response to COVID-19 will see us all travelling again soon. In the meantime, there may be other suitable options if you intend on travelling. You can refer to The Insurance Council of Australia website for a list of providers; https://www.findaninsurer.com.au/category/36
I am considering traveling from Perth to the Gold Coast in September 2021 for a holiday. I intend bringing my golf clubs with me. I am thinking of booking a flight (one of the cheap flights) that does not offer a refund if the flight is cancelled so my question is am I able to take out insurance to cover the cost of my flights. Also can my accommodation costs be refunded and what is the situation regarding Covid? Thanks in anticipation of your response, Pat
Thank you for reaching out to us with your query. Our Domestic Cover is designed to cover you for holidays within Australia, and provides cover with the following benefits; Cancellation or Amendment Expenses, Medical & Non-Medical Additional Expenses, Missed connection and special events, Travel Delay, Rental Vehicle Insurance Excess, Luggage and Personal Effects, Delayed luggage & personal effects, Personal Liability, Accidental Death and Permanent Disability. Your level of Cancellation or Amendment expenses is capped at $10,000 and Our Domestic plan has a $50 Excess which is payable per event. Further information can be located within our Product Disclosure Statement which is available on our website: https://www.seniors.com.au/policy-documents#ui-id-13
Alternatively, if you would like to speak with a member of our team, please send me a private message noting your contact details.
|Category||Travel Insurance||Travel Insurance||Travel Insurance|
|Other Insurance Types Offered||Car, Funeral, Home and Contents and Pet||Car, Funeral, Home and Contents and Pet||Car, Funeral, Home and Contents and Pet|
|Maximum Age Covered||89 years old||89 years old||89 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||$10,000 (Domestic Only)|
|Accidental Death||$25,000||Not Included||$15,000|
|Emergency Dental||$5,000||$1,000||Not Included|
|Pregnancy (max weeks)||24 weeks (pending assessment)||24 weeks (pending assessment)||24 weeks (pending assessment)|
|Resumption of Journey||$3,000||Not Included||Not Included|
|Hospital Cash Allowance||$100 per day, up to $8,000||Not Included||Not Included|
|Overseas Emergency Medical & Hospital Expenses||Not Included||Not Included||Not Included|
|Loss of Income||$10,400||Not Included||Not Included|
|Permanent Disability||$25,000||Not Included||$15,000|
|Luggage & Personal Effects|
|Theft of Cash||$250||Not Included||Not Included|
|Delayed Luggage||$500 after 24hrs, $1,000 after 72hrs||Not Included||$500 after 24hrs, $1,000 after 72hrs|
|Credit Card Fraud||Replacement covered under "Non-medical additional expenses"||Not Included||Replacement covered under "Non-medical expenses"|
|Travel Documents / Passport||Replacement covered under "Non-medical additional expenses"||Not Included||Replacement covered under "Non-medical expenses"|
|Maximum Single Item Limit||$4,000 (Camera, laptop, or tablet)||$4,000 (Camera, laptop, or tablet)||$4,000 (Camera, laptop, or tablet)|
|Luggage & Personal Effects||$15,000||$5,000||$5,000|
|Rental Vehicle Excess||$8,000||Not Included||$5,000|
|Motorbike / Moped Coverage||Optional for motorcycles/mopeds over 50cc||Optional for motorcycles/mopeds over 50cc||Not Included|
|Domestic Pet Care||$500||Not Included||Not Included|
|Special Activities Packages|
|Cruise||Optional Extra||Optional Extra||Not Included|
|Adventure||Optional Extra||Optional Extra||Not Included|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra|
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