*Brought to you by Insure&Go Travel Insurance
Retirement isn’t about slowing down. It’s about finally ticking off those bucket-list adventures. Whether it’s visiting the grandkids in London, chasing cherry blossoms in Japan, or joining friends on an international cruise through the South Pacific, many Australians over 60 are embracing travel as a regular part of life, sometimes booking multiple holidays a year.
With multiple holidays often on the calendar, finding the right travel insurance can bring added peace of mind along the way. That’s where Annual Multi-Trip (AMT) travel insurance comes into the picture, so we have some tips from Canstar Award-winner Insure&Go Australia who provide cover for thousands of senior Australian travellers annually.
What Is Annual Multi-Trip Travel Insurance?
Managing separate travel insurance policies for each holiday can become time-consuming, especially for those who enjoy spontaneous travel or take several trips a year.
An AMT policy simplifies this by allowing travellers to be covered from the start of the first trip and continuing for the next 12 months for any additional trips. In simple terms, AMT travel insurance covers unlimited international trips over a year, making it more cost-effective than purchasing individual insurance policies for each trip. Just keep in mind that it is subject to limits, sub-limits, and exclusions that may apply.
Providers such as Insure&Go offer AMT travel insurance. While there is no limit to the number of additional trips covered, the policy offers coverage for a maximum duration of 30, 45 or 60 days per trip within 12 months. Additionally, policies can be purchased up to 365 days before the first departure, allowing plenty of time for planning.
Why should Seniors consider Annual Multi-Trip Travel Insurance?
Seniors’ Health
As health becomes a more important consideration with age, seniors often face unique travel insurance needs. AMT policies, such as those from Insure&Go, can offer unlimited overseas medical and hospital expenses, including hospitalisation, emergency evacuation and repatriation. Additionally, they consider all pre-existing medical conditions during the quotation process, so it is important to be upfront about pre-existing medical conditions during the medical questionnaire, as this can also help prevent claim rejections later down the line. Just keep in mind that it is subject to limits, sub-limits, and exclusions that may apply.
Flexibility
AMT travel insurance simplifies arrangements by reducing travel admin, making it a practical solution for seniors who value spontaneity and efficient planning. Once a policy is purchased, there’s no need to notify the insurer of each trip, provided the destinations fall within the selected region and the length of each stay doesn’t exceed the chosen duration. This flexibility means less paperwork and more freedom to explore.
What’s more, this coverage extends to unexpected cancellations, disruptions, delays and incidents that may occur throughout the year, as long as they fall within the policy’s terms and conditions. For seniors who value spontaneity, this kind of flexibility offers both convenience and added peace of mind, knowing that each trip could be covered, whether planned or unplanned.
Age-Friendly Coverage
While some insurance providers set age limits on their policies, many companies offer policies suited for older adults. For example, Insure&Go’s AMT policies are suitable for eligible travellers based on age and travel needs, eliminating the need to purchase a seniors-specific policy.
The age limit depends on the level of cover you select:
- Bare Essentials AMT cover is available to travellers aged 79 years or younger at the date of application.
- Silver & Gold AMT cover is available to travellers aged 100 years or younger at the date of application.
However, it is important to note that seniors over 80 can enjoy the benefits of AMT policies, with coverage available for trips up to 30 days. As always, it's important to review the Product Disclosure Statement (PDS) carefully to understand what’s covered and any applicable exclusions or contact your travel insurance provider to understand your options.
Family Travel for Seniors
Many seniors enjoy travelling with their grandchildren, creating cherished memories across generations. Some AMT policies, such as those from Insure&Go, offer coverage for children or grandchildren under 18 at no additional cost when they travel with a parent or grandparent^. This feature makes family trips not only more special but also more convenient. Additionally, Insure&Go offer a bonus 10% couple and family discount on top of this offer^^
Other key benefits of Insure&Go’s AMT travel insurance include:
- Protection for lost, stolen or damaged belongings
- Cover for up to 90 sports and activities included, such as golfing & hiking*
- Rental car excess waiver (on selected levels)
- 24/7 emergency assistance in case of the unpredictable
- COVID-19 coverage (on Silver and Gold policies)**
Ready to Start Planning Your Holidays?
Seniors Card SA members can receive a 15% discount on Insure&Go policies using the code SENSA15 at Insure&Go Australia or by calling 1300 401 177.
This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Insure&Go and other brands, holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.
*For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here and consider the PDS in light of your personal circumstances, prior to making any decision to acquire the product.
**Check full Covid-19 Benefits here.
^Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.
^^When two or more adults are travelling together as part of either a couple or a family group then each adult will benefit from a 10% discount to the standard individual premium for the selected level of cover for that particular trip before calculating the overall premium for the group. The 10% discount does not apply to individuals travelling with their non adult children who will however be covered at no additional cost.
Seniors Card South Australia has a referral arrangement with Europ Assistance Australia Pty Ltd. If you choose to purchase an insurance product using this referral, at no extra cost to you, we may receive a fee or commission from InsureandGo for each successful referral.