Travel with more confidence in your senior years with RACQ Travel Insurance
Travelling later in life gives you the chance to explore the world on your terms. With travel insurance, you can embark on your next adventure knowing there's some cover for the unexpected. RACQ Travel Insurance can cover travellers up to 110 years of age for a single trip and up to 75 years of age under the annual multi trip plan. So, take that dream cruise, visit new locales, or go on that once-in-a-lifetime trip knowing RACQ Travel Insurance could help protect you financially.1
Here’s how we help seniors travel with ease:
- RACQ members save 15% on Travel Insurance++
- 24/7 emergency overseas assistance
- Different policy options means you can customise your cover
- All plans cover up to two adults and any listed dependants8
- Coverage for overseas medical expenses (including limited COVID-19 cover on our International plan)7
What does RACQ Travel Insurance cover for seniors?
Whether you're a senior traveling locally or internationally, RACQ Travel Insurance offers cover for a range of needs so you can focus on enjoying your trip.
This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
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24/7 emergency assistanceOverseas emergency assistance is just a phone call away, anytime you need. -
Automatically covered medical conditionsOur policies cover a range of common conditions such as diabetes and hypertension, provided that certain criteria are met. There is also the option to apply for additional coverage where needed. Refer to the Medical Conditions section of our PDS for full details.3 -
Overseas medical and hospital coverOur international plans have benefits to cover reasonable medical and hospital expenses you may have to pay as a result of an unexpected injury or illness while you are overseas. Coverage applies to expenses incurred up to 12 months from the date you first received treatment for the injury or illness.1 -
Emergency expensesThere's cover to help pay your emergency expenses if your trip is rescheduled, cancelled or cut short due to a lost passport, if you are no longer fit for travel, or because of injury or illness to a relative.1 -
New for old replacement of luggageIn the event of loss, theft or damage to your luggage, we’ll cover the reasonable repair or replacement.1
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Rental car excessCover for the rental car insurance excess or repair costs (whichever is lower) if you rent a car from a recognised company and the car is stolen or damaged while in your care, and you're legally responsible for the costs.1
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PetsIf you’re travelling in Australia, there's cover for up to $650 if your pet suffers an injury during your trip and requires veterinary treatment.1
Add-ons to customise your travel insurance
We understand that senior travellers may have specific needs to consider. Our travel insurance plans have been designed with the ability for you to customise and add optional extras.
Choice of excess
You can choose from a range of excess options to suit your individual travel needs.
Cruise Cover5
Cover for international and domestic river cruising automatically included6, with the option to select additional cover for ocean cruises. Learn more about cruise cover.
Medical conditions not automatically covered1
Our policies cover a range of common conditions3 and the option to apply for additional coverage by completing the medical assessment where needed. Learn more about pre-existing medical conditions.
Find the travel insurance cover that is right for you
Every journey is unique, and as a senior traveller, having travel insurance that may suit your travel plans could help you feel more prepared. Whether discovering Australia’s stunning landscapes, venturing overseas, or planning multiple trips throughout the year, seniors can rely on RACQ’s award-winning travel insurance to help provide financial protection from the unexpected.
This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
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Three plans to choose from -
Cover for cancellation fees and lost deposits if unforeseen circumstances cancel or cut your trip short. The option to choose your cancellation cover is available on select plans.1
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Cover for lost, stolen, or damaged luggage, smartphones, tablets, and laptops1
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Three plans to choose from
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Unlimited overseas medical and hospital cover1
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24-hour overseas emergency assistance hotline
Multi-trip annual travel insurance
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Covers international and domestic trips
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All plans cover two adults and dependants8
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Cover for an unlimited number of trips over a 12-month period, with a choice of maximum trip durations
Why choose RACQ Travel Insurance for seniors?
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Get help when you need itLodge a claim on your RACQ Travel Insurance policy, 24/7.
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Customise your coverChoose from a range of excess options and cancellation cover for your trip.1 -
21-day cooling off periodChange of plans? Cancel your policy within 21 days of purchase and get a full refund.1 -
Award-winning insurance
Travel tips for seniors
When you're over 60, travelling comes with unique considerations. Read our helpful tips to ensure your trips are enjoyable, safe, and stress-free.
Top travel destinations for seniors
Explore some of the most popular destinations for senior travellers, each offering unforgettable experiences and the perfect setting for your next adventure.
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
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Contact us onlineFill out our enquiry form and we’ll get back to you. -
Talk to our Travel team at selected store locationsFind your local RACQ Travel store. -
Speak to a travel insurance agent over the phoneCall us on 1300 338 821, Mon-Fri. -
Emergency overseas assistanceCall us on +61 2 8055 1696, 24 hours a day.
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Something not quite right?Find information on how we review and respond to complaints if you have a concern or would like to provide feedback.
Travel insurance FAQs for seniors
This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Things to note
++Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.
RACQ has been recognised by Mozo in 2023 and 2024.
1Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details. 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.
3You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.
5Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) to determine if Cruise Cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
6Cruise Benefits section does not apply to river cruising. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details.
7Limited 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.
8Dependant 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. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
RACQ Operations Pty Ltd (ABN 80 009 663 414, AR No. 234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803, AR No.432492) (RACQ) are authorised representatives of the RACQ 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 RACQ 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 at racq.com or on request from RACQ.