Skip to main content
Senior couple floating in pool on inflatables in Greece.

Travel insurance for seniors

Compare our travel insurance to suit seniors, with 15% off for RACV Members

Get a quote
Types of cover
Options and add-ons
Dependents
Why choose RACV
Assistance and support
Medical conditions
Get a quote

Thank you for contacting us

Your reference number is

We'll contact you within 72 hours and may ask for this reference number.

Travel insurance suited to older Australians

  • Choose from a range of policies to cover overseas trips, cruises and holidays in Australia.
  • Cover for medical expenses, stolen or lost luggage, cancellation fees and emergency expenses.
  • Whether you’re recently retired, or looking to explore, travel with more peace of mind.
  • Understand your overseas medical cover and check if you need to declare any medical conditions.

Cover for your holiday in Australia or overseas

Domestic Travel Insurance

Prepare for your holiday in Australia with cover for lost or stolen luggage, cancellation fees and travel delays.

Get a quote
Learn more

International Travel Insurance

Choose from 3 levels of international cover, — Basic, Essential or Comprehensive — with important benefits like overseas medical and hospital.


Get a quote
Learn more

Annual Multi-trip Plan

Are you 75 or under with more time on your hands for holidays? Get a year-round plan to cover multiple trips over a 12-month period.

Get a quote
Learn more

Options and add-ons for your policy

No two trips are the same, with RACV Travel Insurance, you choose policy options and add-ons.

Excess options

  • $0 to $100 for domestic cover
  • $0, $100, $250, $500 or $1,000 for international cover 
  • $0, $100 or $250 for annual multi-trip plans.

The excess amount you choose will increase or reduce your premium+.

Cruise cover

Planning on going on a cruise? You’ll need to select the cruise cover option when you buy your policy.

Explore your options for ocean and river cruises in Australia and overseas.

Find out more

+Some cover benefit limits or sublimits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.

Woman sitting infront of her caravan.

Take the grandkids with you

With RACV Travel Insurance dependent children or grandchildren are automatically covered under your policy¹. This means you can take your little ones on holiday with you at no extra cost. Just ensure they are added to your Certificate of Insurance.

¹Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Why consider RACV Travel Insurance?

24/7 emergency assistance

Get overseas emergency assistance 24-hours a day. Make a claim online any time. 

Overseas medical and hospital

With overseas medical cover, an international travel insurance policy will protect in the unexpected event of an injury or illness while you’re off enjoying your travels#.

Stolen, lost or delayed luggage

Cover in case your luggage or belongings go missing, get stolen or damaged while travelling#.

Cancellation fees

As we get older, we like to be more prepared. Choose your level of cover for cancellations fees and lost deposits to reduce the impact of the unexpected#.

Emergency expenses

Domestic cover includes up to $25,000 for emergency expenses#.

RACV Members save 15%

Already a Member with us? You’ll save 15% on all travel insurance policies. Check if you’re a member.

#Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

Frequently asked questions

You have the flexibility to choose when you buy your cover.

You can choose to buy travel insurance as soon as you pay for any part of your trip. This means you're covered in case your trip is cancelled due to unforeseen circumstances.

You can also choose to get RACV Travel Insurance online right before you go. Even if you're just about to leave there's still time to pack an RACV Travel Insurance policy for your trip.

RACV Travel Insurance covers 38 medical conditions automatically, provided you meet specific criteria. Some medical conditions are not covered.

Medical conditions not automatically covered:

You can apply for cover by completing a medical assessment. If accepted, you may need to pay an additional premium.

Check which medical conditions are covered.

Browse all FAQs

Assistance and support

Emergency assistance while overseas

The team of experts are available to provide emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are receiving medical care and the total cost is likely to exceed $2,000.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

Medical conditions and things to consider

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.