Being an older traveller can mean more time to explore and taking the trips you always dreamed about. But it also means that travel insurance is worth thinking about more carefully than ever. Overseas medical costs can be significant and having cover for cancellation fees and lost deposits can make a real difference if an unexpected health or family issue forces you to change your plans.
RACV Travel Insurance is available to travellers up to 110 years of age on single trip policies, with flexible cover options for both international and domestic travel. All RACV Travel Insurance International plans include $unlimited medical and hospital cover^, 24-hour overseas emergency medical assistance and optional cruise cover**, with cover for cancellation fees and lost deposits available on Comprehensive and Essentials policies.#
Travel insurance for seniors
Planning a cruise?
From intimate river journeys to luxurious ocean escapes, find your perfect cruise with RACV and save.
What does RACV Travel Insurance for seniors cover?
The older you get, the more important it is to travel with cover you can trust. Here’s what RACV Travel Insurance offers.
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Find cover to suit your holiday
Find the level of cover that works for you, whether you're planning a long international trip or an Australian getaway.
International travel insurance
Choose from 3 levels of cover, with important benefits like overseas medical and hospital included with all international policies.#
Domestic travel insurance
Travelling around Australia? RACV Domestic cover comes with benefits for lost or stolen luggage, cancellations and travel disruptions.#
Annual multi-trip cover
Living for the snow? Get an annual travel insurance policy for unlimited trips within a 12-month period and choose from 30, 45 or 60 day max trip duration.#
Travel insurance and medical conditions
Medical conditions are an important consideration for older travellers and something worth thinking about carefully before you buy a policy.
RACV Travel Insurance automatically covers 38 medical conditions.~ Even if your condition isn’t on the list, you can still apply for cover through a brief online medical assessment when you get a quote.
It's important to declare any relevant conditions at the time of purchase – and to let RACV know if your health changes before you depart. For full details on how medical conditions are handled, visit our Medical Conditions page.
Travel tips for seniors
A little extra planning can make a big difference for older travellers. Here are a few things worth thinking about before your next trip.
Plan for your health
Bring enough medication for your entire trip plus a few extra days. If you're travelling internationally, carry a summary of your health needs and double-check that your medication can be carried in each country, as rules can vary.
Travel at your pace
Choose destinations and itineraries that match your comfort level. Think about accessibility, the pace of any tours or activities and whether support services are available where you're headed.
Check your plans
Before you leave, review your bookings, check your travel documents and make sure everything is in order for a smooth departure. While you’re away, make sure to allow extra time for flights, transfers and connections.
Frequently asked questions
While travel insurance isn't a condition of entry in most countries, ensuring you have adequate cover is worth taking seriously for older travellers.
Overseas medical costs can be substantial, and the older you are the more likely it is that a health issue could affect your trip. Without cover, those costs fall entirely on you. Beyond medical, travel insurance can also cover cancellation fees and lost deposits if you need to cancel before you go, as well as luggage, personal liability and emergency expenses while you're away.
RACV Travel Insurance is available to Australians up to 110 years of age on single trip policies, with unlimited overseas medical and hospital cover^ included across all international plans, along with luggage and emergency expenses benefits, and flexible cancellation cover (on select plans).
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The cost of travel insurance varies depending on a number of factors, from the length of your trip and where you’re going to how old you are.
The factors typically include:
- Destination: different countries and regions will attract different premiums.
- Trip length: longer trips usually mean a higher premium.
- Level of cover: a comprehensive plan will cost more than a basic plan but will offer higher limits and more protection.
- Excess: Choosing a lower excess will increase your premium.
- Medical conditions: Some conditions may attract an additional premium once assessed.
- Traveller age: Age is a factor in how costs are calculated.
- Optional extras: Add-ons like cover for cruises or snow sports will affect the final price.
The best way to understand what you'll pay is to get a quote based on your specific trip and circumstances.
RACV Travel Insurance offers flexible options across international and domestic travel, with a range of excess levels to help manage the cost.† RACV Members save 15% on their premium.*
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RACV Travel Insurance is available to travellers up to 110 years of age on both International and Domestic single trip policies. The Annual Multi-Trip policy is available to travellers up to 75 years of age, while cover for Ski and Snow Sports is available for travellers up to 85.
There are no age-based exclusions on cover itself and 38 medical conditions are automatically covered.~ Any medical conditions that aren’t listed will need to be declared and may be subject to assessment. Age may also be a factor in premium pricing.
If you're unsure which policy is right for you, getting a quote based on your specific trip and circumstances is the best place to start.
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Travelling in your 80s and beyond is achievable, but it takes a bit more planning to make sure you have cover that suits your needs. There are a few things worth paying particular attention to when choosing a travel insurance policy at this age:
- Age limits: Not all insurers cover travellers over 80. RACV Travel Insurance covers travellers up to 110 years of age for single trips, but Annual Multi-Trip policies are only available to travellers 75 and under.
- Hospital cover: Unlimited overseas medical and hospital cover is particularly important for older travellers, where the likelihood of a health issue arising is higher.
- Medical conditions: Declare all relevant conditions at the time of purchase. Conditions that aren't automatically covered can be assessed online, and anything accepted will be noted on your Certificate of Insurance.
- Cancellation limits: Older travellers often plan trips further in advance and invest more in upfront costs. It’s worth checking that your cancellation limit reflects what you've actually paid.
- Excess levels: Consider what you'd be comfortable paying out of pocket if you needed to make a claim and choose your excess accordingly.†
- Cruise cover: Ocean cruises aren’t covered by standard travel insurance policies, so you’ll need to add cruise cover during purchase.**
RACV Travel Insurance offers flexible options across international and domestic travel, with $unlimited medical cover^ and 24-hour overseas emergency assistance included across all international plans. RACV Members save 15% on their premium.*
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Yes, many common medical conditions for seniors are covered by travel insurance, either automatically or following an online assessment. This applies to all travellers, not just seniors, though it's a particularly important consideration for older Australians who are more likely to have existing health conditions.
RACV Travel Insurance automatically covers 38 common conditions, including things like asthma, diabetes, hypertension and cataracts, provided certain criteria are met.~ Conditions that fall outside the automatic list can be assessed online when you get a quote.
A few things to keep in mind:
- Declare everything relevant: If you have a condition that isn't automatically covered and you want cover for it, you'll need to declare it and have it assessed. An additional premium may apply. If you don't declare a relevant condition and it affects a claim, that claim may be reduced or denied.
- Assessment doesn't guarantee cover: Some conditions may not be accepted and this will be clearly noted on your Certificate of Insurance.
- Changes in health: If your health changes after you buy your policy but before you travel, you'll need to let the insurer know as soon as reasonably practicable
For full details on which conditions are automatically covered and how the assessment process works, visit the Medical Conditions page.
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Not automatically. Cruise cover depends on the type of cruise you're taking and whether you've added the optional Cruise Benefits add-on to your RACV Travel Insurance policy.**
Here's how cruise cover works across different trip types:
- River cruises: both international and domestic river cruises are automatically included in your policy at no extra cost.ǂǂ
- Ocean cruises: if you’re spending more than one night on the ocean, you need the optional Cruise Benefits add-on, which can be selected at the time of purchase.** This applies to both Australian and overseas cruises.
- Open water sailing: no cover available for small boat sailing that takes place more than 12 nautical miles from any landmass.
When the Cruise Benefits add-on is selected, RACV Travel Insurance provides additional cover for cabin confinement, missed ports, onboard medical, emergency evacuation, missed shore excursions and marine rescue diversions.**
Refer to the Cruise Travel Insurance page for more detail.
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Yes, RACV Travel Insurance includes COVID-19 cover across a number of key benefits.⋄ Cover for COVID-19 related claims is available for:
- Cancellation fees and lost deposits: If you need to cancel or cut short your trip due to a COVID-19 diagnosis.
- Overseas medical and hospital expenses: If you require medical treatment overseas following a COVID-19 diagnosis.
- Emergency expenses: If your trip is disrupted due to a COVID-19 diagnosis.
- Cruise benefits: if you’re confined to your cabin or miss shore excursions as a result of a COVID-19 diagnosis.
Any diagnosis of COVID-19 must be confirmed by a treating doctor or the insurer's consulting medical officer. For more information, refer to the combined PSD/FSG.
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Yes, RACV Travel Insurance includes cover for dependants at no additional premium,++ which could provide added value for older travellers heading away with family.
Dependants are defined as your children, stepchildren, foster children or grandchildren who meet all of the below criteria:
- aged 25 or under at the time you purchase the policy
- financially dependent on their parents or grandparents and not working full time
- travelling with you for the trip
- listed on your Certificate of Insurance as a dependant.
Dependants need to actually be travelling with you for the whole time to be included on your policy. Family members travelling separately need their own policy. Section limits and sub-limits apply per adult and are not increased for dependants (unless otherwise stated in the PDS/FSG).
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There's no formal requirement to obtain a doctor's clearance before travelling as a senior, but it's strongly recommended, particularly for international trips or if you have any medical conditions.
A few reasons it's worth doing:
- Peace of mind: Your doctor can confirm you're fit to travel and flag anything worth monitoring while you're away. A doctor’s letter outlining your approved medications can also be useful if treatment is required overseas.
- Medication: A pre-departure appointment is a good opportunity to make sure you have enough medication for your entire trip, plus a few extra days as a buffer.
- Policy compliance: checking in with your doctor is a chance to catch any health changes that might need to be declared to your insurer.
From a cover perspective, travelling against the advice of your doctor could affect your ability to claim, so if there's any doubt, it's worth having the conversation before you go.
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* RACV Travel Insurance Member discount applies to the premium only (not applicable taxes).
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to the combined PDS/FSG for full details.
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
† Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
⋄ Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details, inclusions, exclusions and applicable limits.
Get organised before your trip
Medical conditions
Get automatic cover for 38 pre-existing medical conditions when you meet specific criteria. Check your options for medical cover abroad.~
Travel alerts
RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.
Check travel status before you plan and start your trip.
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.