Travelling with a pre-existing medical condition
When you choose PassportCard, we will automatically cover a long list of pre-existing medical conditions without the need to undertake a health assessment (provided you meet all relevant criteria).
Travellers aged 85 years or older will also need to provide written confirmation from their registered medical practitioner confirming they are medically fit to undertake the journey.
Medical cover that won’t leave you out of pocket
When you choose PassportCard, you can travel with the confidence of knowing you’ll be protected in a medical emergency, with the added advantage of round-the-clock support from our 24/7 Global Assistance team.
If you experience a medical issue during your trip and aren’t sure what to do, our 24/7 Global Assistance team will be available to help at any time, day or night, ready to direct you to the nearest pharmacy, hospital or doctor.
They’ll even make sure you won’t have to front up the money to cover your immediate medical expenses for approved claims by instantly transferring funds to your PassportCard so you can make payment there and then.
What our customers say about us
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“PassportCard travel insurance has been a game-changer for me!
One standout feature is their commitment to loading the PassportCard with necessary funds in case of emergencies.
Their efficient and reliable service makes them my go-to choice for travel insurance every time.”
Moran B. – Product Review
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“HIGHLY RECOMMEND A++++
Great compassion and fast emergency payment when needed.”
Donna C. – Product Review
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“Very satisfied with the service and ease of the process.
Was in the USA and daughter was unwell and had to see a doctor in emergency hospital…. I called Passportcard and whilst I was still on the phone in real time the funds were loaded onto the card.”
Jim – Product Review
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“Friendly, efficient and easy to use.
They were more affordable and covered much more insurance wise than the regular insurers.”
Teresa – Google
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“So easy and love the card so we’re not out of pocket for claims.
PassportCard were easy to deal with, price was competitive and I love the idea of the card to settle claims instantly.”
HappyUpsider – Product Review
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“Great cover, Caring Supportive Staff and got me to the birthday on time!
Passport card were calm and put me at ease, confirmed my cover. Offered me hotel accommodation or alternative flights and were able to get a flight direct to Portugal.”
J Walker – Product Review
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“Australia based and dealing with them is a pleasure!
Their customer service skills are second to none & the advantage of dealing with this company; is they have their own in-house medical team.”
Jarrod – Google
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“Great service and great product
The level of their service is very impressive and the price point is very reasonable.”
Karen W. – Product Review
How does the PassportCard Instant Payouts work?
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 1 | Cancellation & Journey Disruption | ✓ (Cover Chosen)* | ✓ (Cover Chosen)* |
| 2 | Overseas Medical & Dental Expenses | X | Unlimited* (Instant payouts using the PassportCard) |
| 3 | Hospital Related Expenses | X | ✓ $10,000*# |
| 4 | Accidental Death | ✓ $30,000*^ | ✓ $30,000*^ |
| 5 | Permanent Disability | ✓ $30,000^ | ✓ $30,000^ |
| 6 | Loss of Income | ✓ $45,000 *#× | ✓ $45,000 *#× |
| 7 | Travel Documents & Credit Cards | ✓ $5,000× | ✓ $5,000× |
| 8 | Theft of cash | ✓Up to $500 on the PassportCard | ✓Up to $500 on the PassportCard |
| 9 | Luggage & Personal Effects | ✓ $10,000* | ✓ $25,000* |
| 10 | Luggage & Personal Effects Delay Expenses | ✓$250 on the PassportCard, maximum of $1,000* | ✓$250 on the PassportCard, maximum of $1,000* |
| 11 | Travel Delay Expenses | ✓ $2,000*^# | ✓ $6,000*^# |
| 12 | Personal Liability | ✓ $5,000,000^ | ✓ $5,000,000^ |
| 13 | Rental Vehicle Insurance Excess | ✓ $10,000^ | ✓ $10,000^ |
| *Sub limits apply, ^per insured Adult, × per policy, # Waiting periods |
aaa1 – Cancellation & Journey Disruption
Domestic Comprehensive
- ✓ (Cover Chosen)*
International Comprehensive
- ✓ (Cover Chosen)*
2 – Overseas Medical & Dental Expenses
Domestic Comprehensive
- X
International Comprehensive
- ✓ Unlimited medical costs*
3 – Hospital Related Expenses
Domestic Comprehensive
- X
International Comprehensive
- ✓ $10,000 per policy*
4 – Accidental Death
Domestic Comprehensive
- ✓ $30,000^
International Comprehensive
- ✓ $30,000^
5 – Permanent Disability
Domestic Comprehensive
- ✓ $30,000^
International Comprehensive
- ✓ $30,000^
6 – Loss of Income
Domestic Comprehensive
- ✓ $45,000 *×
International Comprehensive
- ✓ $45,000 *×
7 – Travel Documents & Credit Cards
Domestic Comprehensive
- ✓ $5,000 *×
International Comprehensive
- ✓ $5,000 *×
8 – Theft of Cash
Domestic Comprehensive
- ✓ Up to $500 on the PassportCard*
International Comprehensive
- ✓ Up to $500 on the PassportCard*
9 – Luggage & Personal Effects
Domestic Comprehensive
- ✓ $10,000*
International Comprehensive
- ✓ $25,000*
10 – Luggage & Personal Effects Delay Expenses
Domestic Comprehensive
- ✓ $250 on the PassportCard, $1,000 in total*
International Comprehensive
- ✓ $250 on the PassportCard, $1,000 in total*
11 – Travel Delay Expenses
Domestic Comprehensive
- ✓ $2,000*^#
International Comprehensive
- ✓ $6,000*^#
12 – Personal Liability
Domestic Comprehensive
- ✓ $5,000,000^
International Comprehensive
- ✓ $5,000,000^
13 – Rental Vehicle Insurance Excess
Domestic Comprehensive
- ✓ $10,000×
International Comprehensive
- ✓ $10,000×
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 14 | Cruise Cover | ✓ | ✓ |
| 15 | Search & Rescue | ✓ | ✓ |
| 16 | Pet Care | ✓ | ✓ |
| 17 | Concerts & Other Events | ✓ | ✓ |
| 18 | Business Cover | ✓ | ✓ |
| 19 | Snow Sports | ✓ | ✓ |
| 20 | Adventure Activities | ✓ | ✓ |
| 21 | Water Sports | ✓ | ✓ |
| 22 | Wheeled Activities | ✓ | ✓ |
| 23 | Golf Cover | ✓ | ✓ |
| See our Optional & Activities cover for more info |
14 – Cruise Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
See full list of benefits
15 – Search & Rescue
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
16 – Pet Care
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
17 – Concerts & Other Events
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
18 – Business Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
19 – Snow Sports
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
20 – Adventure Activities
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
21 – Water Sports
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
22 – Wheeled Activites
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
23 – Golf Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
*Sub limits apply, ^per insured Adult, × per policy, # Waiting periods, ~ Limited to 12-month period, + per day, ¹PassportCard Travel Insurance recognised in Mozo Experts Choice Awards 2025 – more information on the awards research methodology at Mozo. The Canstar 2025 Innovation Excellence Award was received in April, 2025 for PassportCard Travel Insurance.
All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.
We’re award winning travel insurance
Helpful tips for mature travellers
All set for your upcoming adventure? Make sure you haven’t forgotten anything with these helpful tips:
- Check your passport is valid with at least 6 months of validity left before the expiry date
- Ensure you meet the visitor entry requirements for the countries you are visiting
- Arrange a travel currency card or other method of payment to cover expenses while you’re away
- Notify your financial institution of your plans to travel
- Contact your phone provider to ensure your phone plan will cover you while you’re away or purchase a pre-paid international sim card
- Speak to your doctor to see if you need any vaccinations prior to travelling
- If you take any medications, ensure you take a large enough supply to last the entirety of the trip, as well as some extra to cover you in case of any significant delays
- If you’re concerned an airline may question your fitness to fly, obtain a letter from your doctor confirming you’re fit for air travel
- Pre-arrange your accommodation in each location you plan to stay in
- Research your destination/s and find out if there are any cultural sensitivities you need to be aware of
- Consider pre-booking any tours or activities you want to do, as some tour operators may offer seniors discounts
- Provide details of your travel plans to a family member or close friend not travelling with you so you can be contacted in case of an emergency
- Visit the Australian government’s Smartraveller website for the latest travel advice for the destination/s you are travelling to
- Save the details of how to access emergency consular assistance in case you need it
- Organise your travel insurance with PassportCard.
Seniors travel insurance FAQs
We don’t believe there is any age limit to travel—however, we do want to know that it is safe for you to travel. If you are 85 years of age or older, we’ll need you to provide written confirmation from your registered medical practitioner that you are medically fit to undertake the journey to be eligible for our cover.
Yes, but you may need to undertake a health assessment to ensure you are safe to travel with the appropriate cover. Yes, but you may need to undertake a health assessment to ensure you are safe to travel with the appropriate cover. Please refer to the relevant PDS for more information about travelling with a pre-existing medical condition or call our contact centre on 1300 123 413 for information tailored to your personal circumstances.
Yes. If you are planning to go on a cruise, make sure you add the Cover While Cruising option when purchasing your travel insurance policy.
Simply call our Global Assistance team on our reverse charge number +61 1800 490 478. Our Australian-based Global Assistance team is available 24/7 and can quickly handle most common claims on-the-spot over the phone.
Cover your next trip with PassportCard
Check Travel Alerts – they may affect your policy. For emergencies, call (24/7) +61 1800 490 478 or WhatsApp us