SENIORS TRAVEL INSURANCE

WHY BUY WITH ZOOM

• What is the maximum age for seniors to buy with Zoom?

• Zoom covers travellers up to the age of 85.  Those aged between 80-85 years can purchase a policy for a maximum trip duration of 184 days. Travellers 79 years and younger can purchase a policy for a maximum trip duration of 365 days. 

• What age limits apply to annual multi trip policies? 

• Annual multi-trip policies are only available to those under 69 years. If you want to add-on our ski or adventure pack, that's only available to those under 69 too. 

• Do you offer a seniors or pensioners discount?

• No, sorry we try to keep our prices as low as we can and believe that our policies are already competitively priced. Unfortunately, we cannot offer further discount to seniors. However, our quote algorithm automatically applies a discount to policies with more than 1 traveller. 

• Do I need to buy a specific seniors travel insurance policy?

• No, Zoom offers a range of travel insurance policies which are all available for anyone aged up to 85 years of age. We don’t have a specific travel insurance policy for senior travellers. 

• Do you have different cover limits for pensioners over 80?

• Travellers aged 80-85 get to enjoy Unlimited Overseas Emergency Medical Expenses cover, however, a $2,000 excess applies for claims arising from or related to injury or illness.  For all other claims the standard excess would apply.

• Do you cover golf clubs? 

• Yes. You are covered up to a combined total of $750 for your golf clubs, golf bag and golf trolley. If you are wanting a higher level of cover for individual golf items or higher combined limit you will need to buy the Golf Pack add on. The Golf Pack add on provides cover for your own Golf equipment (golf clubs, golf bag, golf trolley and golf shoes), Golf Equipment Hire (golf clubs, golf bag, golf trolley and golf shoes), Golf Green Fees and Hole in One cover.

• Are spectacles, hearing aids and false teeth covered? 

• Yes. These items would fall under the luggage benefit if lost, damaged or stolen. The standard terms and per item limit of $750 would apply.  Unless the item was added and specified as a High Value Item.

• Am I covered for cruises?

• Not automatically. You must purchase our cruise pack to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

• I have high value items; how much can I insure them for?

• If you’re travelling with gadgets or more expensive items you can purchase additional cover for up to $5,000. Please note, you can only buy additional high value item cover under our comprehensive plan.

• Can I cover my pre-existing medical conditions? 

• Zoom covers a number of pre-existing medical conditions automatically. For further information and a full list of covered conditions head to our pre-exisiting medical conditions page.  Unfortunately, we cannot offer cover for any medical conditions outside of this list.

• Can I buy a policy without covering my medical condition? 

• Yes, you can still buy a policy with Zoom, even though we don't have medical assessments.  We will only exclude claims relating directly or indirectly to a pre-existing medical condition.  You would still be insured medically for any new condition that may unexpectedly arise overseas as well as accidental injuries and illnesses.

• Am I covered if something happens to one of my relatives?

• Zoom provides cover for cancelling your trip prior to departure due to an unforeseen accident, illness or injury of one of your parents, or other close relative.  Zoom also provides cover if your trip has started and you need to come home early due to a family emergency.   The following conditions apply:
  
  The relative must not be aged 85 or over.
  They must reside in Australia or New Zealand.
  The cover does not include any cover if the injury or illness arose from a known pre-existing medical condition.