Discovering a bank card with journey insurance coverage for older of us will be like discovering a…nicely, an age restrict in a sea of phrases and circumstances. Due to the upper threat elements for seniors, most banks don’t supply complimentary journey insurance coverage if you happen to’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 necessary distinction, since travel insurance 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 if you happen to’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 earth of journey bank cards, because it’s the one one with out higher limits on its insurance coverage.
Eligible HSBC Platinum playing cards embody:
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 embody:
What about pre-existing circumstances?
Pre-existing circumstances aren’t lined, which is customary for journey insurance coverage. A pre-existing situation is one that you just’re moderately conscious of on the time you utilized for canopy, and will embody bodily circumstances, continual diseases, beforehand handled most cancers or an sickness requiring ongoing therapy or remedy.
We’ll cowl pre-existing circumstances in additional element under.
Who’s lined on the HSBC Platinum playing cards Journey Insurance coverage?
A partner and dependants are additionally eligible for canopy supplied they meet the eligibility phrases. As an illustration, they have to:
- Spend at the least $500 of pre-paid journey prices on the bank card
- Spend at the least 50% of the journey with the first cardholder
- Have a return ticket earlier than leaving Australia
There are different phrases and circumstances for overlaying 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 perfect journey insurance coverage choices if you happen to’re 79 or 80
Bank card journey insurances with age limits will often have considered one of two choices: beneath 80, or beneath 81. The desk under provides you a snapshot of widespread manufacturers and the complimentary journey insurance coverage age limits. Beneath, we’ll present you the way the age limits work, and which playing cards may swimsuit 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 embody age beneath 81. |
| American Categorical | Underneath 80 | Chubb | Have to be 79 or youthful. |
| CommBank (customary) | 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 if you happen to’re 79 or beneath
Some complimentary journey insurance coverage insurance policies reduce off at 79, or it could be phrased as “beneath 80”. For instance, these playing cards aren’t eligible if you happen to’re over 79; ie, out of your eightieth birthday.
| Card Issuer | Approx Age Restrict | Phrases |
|---|---|---|
| American Categorical | Underneath 80 (i.e., 79) | Have to be 79 or youthful on the time of qualifying journey buy — card journey insurance coverage consists of 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 potential. |
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 embody journey insurance coverage along with your bank card. You’ll possible pay further and will have to undertake medical assessments. There may additionally be a distinction in eligibility and canopy, so examine with CommBank earlier than making use of.
Bank card journey insurance coverage if you happen to’re 80 or beneath
For those who’re beneath 80 or beneath, you may try the bank cards listed above in addition to these bank card journey insurance coverage covers.
❗ Necessary:
You may see the age restrict phrased as “beneath 81” within the PDS. Which means 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 at all times, phrases and circumstances fluctuate between bank cards, so ensure you learn by means of the PDS for eligibility and canopy standards.
Explaining pre-existing circumstances on complimentary journey insurance coverage
In addition to being laborious to search out, journey insurance coverage for seniors could be a mission to lock down even if you happen to’re eligible by age. Earlier, we talked about that you just want to concentrate on pre-existing circumstances that aren’t lined. Right here’s a deeper dive so 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, except you get them accepted earlier than you journey.
- The insurer (resembling Allianz or Chubb, not the bank card supplier) may 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 take into accounts a complete vary of threat elements.
The bank card PDS will define its pre-existing situation phrases, and you may request a well being evaluation earlier than travelling to ensure you’re lined.
Journey insurance coverage choices if you happen to’re over 81 and don’t desire a HSBC bank card
For those who’ve out-aged bank card complimentary insurance coverage and the HSBC Platinum isn’t a great match, you may possible discover standalone insurance coverage choices. Sadly, these will include a price hooked up.
Some non-public journey insurers supply specialised “seniors” insurance coverage which might be designed for older travellers. They could supply higher medical protection and cancellation choices. You possibly can attempt Australian Seniors insurance, and InsureandGo’s senior rates.
⚠️ 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 Could 2026, a number of playing cards may have the quilt eliminated, making them much less enticing if journey perks are your purpose.
Ultimate ideas if you happen to’re a senior traveller
- All the time examine the PDS earlier than you journey. Even if you happen to’re beneath the age restrict, there could also be different phrases round pre-existing medical circumstances.
- Be sure you meet the activation standards. Being beneath the age restrict isn’t sufficient; you additionally want to fulfill all the standards resembling spending minimums and residency phrases.
- These 80+ may discover a standalone journey coverage is safer. The exception is the HSBC Platinum cards, so long as you meet all of the eligibility standards.
FAQs
Which Australian bank card has no age restrict for journey insurance coverage?
Presently, 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 beneath 81 years”. When you flip 81, you’re now not eligible for the usual complimentary cowl. Not a fantastic 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), permit you to apply for an “Improve” to cowl people aged over 80 or these with pre-existing circumstances by paying a further premium.
Do I would like a medical evaluation for bank card journey insurance coverage if I’m over 75?
Sure, virtually at all times. Even when the cardboard covers your age, you could declare pre-existing circumstances. If in case you have circumstances not on the “routinely lined” checklist, you’ll want an evaluation. Contact the insurer instantly to debate pre-existing circumstances; that is perhaps Allianz, Chubb or CoverMore.
