Discovering a bank card with journey insurance coverage for older people might be like discovering a…nicely, an age restrict in a sea of phrases and circumstances. Due to the upper danger components for seniors, most banks don’t supply complimentary journey insurance coverage in the event you’re over 79 or 80.
The exception is the HSBC Platinum bank card, which stands out as a result of it has no higher age restrict written into its journey insurance coverage phrases. It’s an vital distinction, since journey insurance coverage premiums rise by between 10 and 50% for vacationers over 50 in comparison with 30 yr olds.
This information will take you thru the HSBC Platinum playing cards, how age limits work, and what your different choices are in the event you’re over 79.
The bank card with no age restrict on its complimentary journey insurance coverage
As of its February 2025 PDS, HSBC doesn’t checklist an higher age restrict on its Platinum bank cards. That makes it a unicorn on the planet of journey bank cards, because it’s the one one with out higher limits on its insurance coverage.
Eligible HSBC Platinum playing cards embrace:
Nevertheless, even when an age restrict isn’t specified, there are nonetheless different circumstances that you should meet to be eligible for the HSBC bank card worldwide journey insurance coverage. These embrace:
What about pre-existing circumstances?
Pre-existing circumstances aren’t lined, which is normal for journey insurance coverage. A pre-existing situation is one that you simply’re fairly conscious of on the time you utilized for canopy, and will embrace bodily circumstances, continual diseases, beforehand handled most cancers or an sickness requiring ongoing remedy or treatment.
We’ll cowl pre-existing circumstances in additional element beneath.
Who’s lined on the HSBC Platinum playing cards Journey Insurance coverage?
A partner and dependants are additionally eligible for canopy offered they meet the eligibility phrases. As an example, they need to:
- Spend at the very least $500 of pre-paid journey prices on the bank card
- Spend at the very least 50% of the journey with the first cardholder
- Have a return ticket earlier than leaving Australia
There are different phrases and circumstances for protecting relations (together with these born on the journey!), so be sure that to learn the bank card’s Complimentary Journey Insurance coverage PDS earlier than making use of.
The very best journey insurance coverage choices in the event you’re 79 or 80
Bank card journey insurances with age limits will often have one among two choices: underneath 80, or underneath 81. The desk beneath offers you a snapshot of well-liked manufacturers and the complimentary journey insurance coverage age limits. Beneath, we’ll present you the way the age limits work, and which playing cards would possibly go well with you relying in your age.
| Financial institution / Card | Journey Insurance coverage Age Restrict | Insurer | Notes |
|---|---|---|---|
| HSBC Platinum | No higher age restrict | Allianz | Confirmed no age cap in coverage phrases. |
| ANZ Platinum/Black | Underneath 81 | Allianz | Customary complimentary cowl. |
| Westpac / St.George | Underneath 81 | Allianz | Eligibility standards embrace age underneath 81. |
| American Categorical | Underneath 80 | Chubb | Should be 79 or youthful. |
| CommBank (normal) | Underneath 80 | Zurich / Cowl-Extra | Improve choices exist. |
* Please examine the PDS for the precise phrases of eligibility, spending necessities and exclusions.
Bank card journey insurance coverage in the event you’re 79 or underneath
Some complimentary journey insurance coverage insurance policies lower off at 79, or it might be phrased as “underneath 80”. For instance, these playing cards aren’t eligible in the event you’re over 79; ie, out of your eightieth birthday.
| Card Issuer | Approx Age Restrict | Phrases |
|---|---|---|
| American Categorical | Underneath 80 (i.e., 79) | Should be 79 or youthful on the time of qualifying journey buy — card journey insurance coverage contains this cut-off. |
| CommBank (Customary) | Underneath 80 (i.e., 79) | Customary journey insurance coverage eligibility ceases when you flip 80. Upgrades and different choices could also be attainable. |
CommBank Journey Insurance coverage Upgrades
⭐ For those who’re over 80, CommBank might allow you to apply for an “upgraded” cowl if you wish to embrace journey insurance coverage together with your bank card. You’ll possible pay further and will must undertake medical assessments. There may be a distinction in eligibility and canopy, so examine with CommBank earlier than making use of.
Bank card journey insurance coverage in the event you’re 80 or underneath
For those who’re underneath 80 or underneath, you may try the bank cards listed above in addition to these bank card journey insurance coverage covers.
❗ Essential:
You would possibly see the age restrict phrased as “underneath 81” within the PDS. Meaning you’re eligible up till the day earlier than your 81st birthday.
| Financial institution / Card Issuer | Typical Age Restrict | Insurer |
|---|---|---|
| ANZ (Platinum / Black) | Underneath 81 | Allianz |
| Westpac / St.George / BankSA | Underneath 81 | Allianz |
| NAB (choose playing cards) | As much as 80 | Allianz |
As all the time, phrases and circumstances range between bank cards, so be sure you learn by means of the PDS for eligibility and canopy standards.
Explaining pre-existing circumstances on complimentary journey insurance coverage
Apart from being exhausting to search out, journey insurance coverage for seniors is usually a mission to lock down even in the event you’re eligible by age. Earlier, we talked about that you simply want to pay attention to pre-existing circumstances that aren’t lined. Right here’s a deeper dive so you understand what to search for earlier than you apply.
What you should know:
- Most bank card journey insurance coverage insurance policies exclude pre-existing medical circumstances, until you get them authorised earlier than you journey.
- The insurer (reminiscent of Allianz or Chubb, not the bank card supplier) would possibly request a well being evaluation or medical screening earlier than approving your insurance coverage.
- Above all, approving your coverage is on the insurer’s discretion and they’re going to think about an entire vary of danger components.
The bank card PDS will define its pre-existing situation phrases, and you’ll request a well being evaluation earlier than travelling to be sure you’re lined.
Journey insurance coverage choices in the event you’re over 81 and don’t need a HSBC bank card
For those who’ve out-aged bank card complimentary insurance coverage and the HSBC Platinum isn’t a superb match, you may possible discover standalone insurance coverage choices. Sadly, these will include a value connected.
Some personal journey insurers supply specialised “seniors” insurance coverage which can be designed for older travellers. They might supply higher medical protection and cancellation choices. You could possibly attempt Australian Seniors insurance coverage, and InsureandGo’s senior charges.
⚠️ NAB journey insurance coverage modifications in 2026
Sadly, NAB is phasing out complimentary journey insurance coverage on a lot of its bank cards. As of Might 2026, a number of playing cards could have the duvet eliminated, making them much less engaging if journey perks are your aim.
Ultimate suggestions in the event you’re a senior traveller
- At all times examine the PDS earlier than you journey. Even in the event you’re underneath the age restrict, there could also be different phrases round pre-existing medical circumstances.
- Be sure to meet the activation standards. Being underneath the age restrict isn’t sufficient; you additionally want to fulfill all the standards reminiscent of spending minimums and residency phrases.
- These 80+ would possibly discover a standalone journey coverage is safer. The exception is the HSBC Platinum playing cards, so long as you meet all of the eligibility standards.
FAQs
Which Australian bank card has no age restrict for journey insurance coverage?
At present, the HSBC Platinum Credit score Card is the one main Australian card that explicitly states no higher age restrict for its complimentary journey insurance coverage. Simply be sure that to learn all the opposite eligibility standards.
Does ANZ bank card journey insurance coverage cowl over 80s?
No. ANZ’s coverage covers individuals “aged underneath 81 years”. When you flip 81, you might be not eligible for the usual complimentary cowl. Not an ideal birthday current.
Can I pay further to increase my bank card journey insurance coverage if I’m over 80?
Some banks, like Commonwealth Financial institution (CommBank), let you apply for an “Improve” to cowl people aged over 80 or these with pre-existing circumstances by paying an extra premium.
Do I would like a medical evaluation for bank card journey insurance coverage if I’m over 75?
Sure, nearly all the time. Even when the cardboard covers your age, you have to declare pre-existing circumstances. In case you have circumstances not on the “mechanically lined” checklist, you’ll want an evaluation. Contact the insurer straight to debate pre-existing circumstances; that is likely to be Allianz, Chubb or CoverMore.