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RACV Travel Insurance

RACV Travel Insurance

Racv has multiple plans tailored to domestic and international travel, but if you’ve got something out of the ordinary on the itinerary, you might not be covered..

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In this guide

Summary of RACV's International Comprehensive policy

How does racv travel insurance cover covid-19, what policies does racv offer, here's a breakdown of racv travel insurance features, standard features, optional add-on, how to make an racv travel insurance claim, here's the bottom line about racv travel insurance, frequently asked questions, compare your travel insurance quotes.

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  • By becoming an RACV member, you can access generous discounts on its insurance policies. We struggled to find another insurance provider offering similar benefits.
  • Enjoy free cover for dependent children under the age of 25 on any policy. This is better than the industry standard that limits dependants to those under the age of 18 or sometimes 21.
  • RACV doesn't have much choice of optional cover and its detailed list of exclusions could be a turn-off for some. If you're looking for cover for some adventure activities, like sky diving , you'll have to look elsewhere.

Compare other options

Table updated January 2023

RACV covers COVID-19 in a variety of scenarios that include medical expenses and cancellation. Here's what you can expect:

  • Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to COVID-19
  • Medical, hospital and emergency expenses outside of Australia if you are diagnosed with COVID-19
  • Emergency or additional expenses including travel and accommodation costs if you are diagnosed with COVID-19
  • Funeral expenses if you, your children or your grandchildren die while overseas
  • Boarding kennel or cattery fees if you're delayed beyond your return date
  • Travel delay expenses if your scheduled transport is delayed due to COVID-19

However, some exclusions apply, so it's important to review RACV's product disclosure statement (PDS) to ensure you'll have enough cover when you need it the most.

RACV's COVID-19 benefits are only available under its Comprehensive and Domestic policies. Plus, there is also a combined maximum benefit of up to $3,500 for cancellation, additional and travel delay expenses. This might not be enough cover if you're planning a big trip.

If RACV's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 .

RACV has a wide variety of travel insurance to choose from. If you're heading overseas, you've got Comprehensive, Essentials, Basics and Annual Multi-trip policies. For travel around Australia, there are Domestic, Domestic Cancellation and Rental Car Excess policies.

Travel plane luggage passport

International Comprehensive

Passport

International Essentials

Luggage

International Basic

Hiking

Annual Multi-trip

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Domestic Cancellation

Luggage

Rental Car Excess

This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido). It comes with a 21-day cooling-off period and a choice of excess .

The cooling-off period gives you 21 days from the date of issue of your policy to make sure this is the right policy for you. You'll receive a full refund provided you have not started your trip and that you do not want to make a claim or exercise any other right under the policy.

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These are some of the main insured events that RACV will cover you for if something goes wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. Comprehensive versus the Basics policy ).

  • Accidental death and disability
  • Cancellation fees and lost deposit
  • Financial default
  • Funeral expenses overseas
  • Loss of income
  • Overseas medical, dental and hospital
  • Rental car excess
  • Special events
  • Travel delay

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Even RACV's comprehensive cover doesn't include everything. If you're finding your chosen policy a bit lacking, there are some optional benefits that you can add on for an additional premium.

  • Cruise cover is all about loss or damage when you're exploring the high seas . It covers medical expenses and medical evacuation while on board the ship.
  • Ski and winter sports cover is essential if you plan on hitting the slopes . This add-on covers medical expenses, equipment hire and even prepaid ski passes, ski hire, tuition fees or lift passes if you fall ill.

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RACV has a ton of standard inclusions, especially if you opt for its Comprehensive cover , but, as with any insurer, there are certain conditions in which your policy won't pay out. They include the following:

  • The Department of Foreign Affairs and Trade issuing a "Do Not Travel" advisory to your country or region of intended travel
  • Errors, omissions or failure to obtain the relevant visa , passport or travel documents
  • You drive a vehicle ( including a motorcycle ) without a current Australian driver's licence or a valid licence for the country you're in (even if that country doesn't require you to hold one)
  • Travel booked or undertaken against the advice of your doctor
  • Travel booked or undertaken to seek medical treatment or review
  • Being under the influence or addicted to intoxicating liquor or drugs except a drug prescribed to you
  • Elective surgery including cosmetic treatment, body piercing or tattooing
  • Some adventure activities, including engaging in open water sailing , going rock climbing using ropes or climbing equipment and sky diving
  • Diving underwater using an artificial breathing apparatus
  • Unexpected pregnancy complications after the 26th week or childbirth after the 26th week that is accelerated by accidental injury

Make sure you review RACV's PDS for a detailed breakdown of what you can expect to be covered for, found under its list of general exclusions .

You can contact the RACV claims team at 1300 207 387 to start the claim process. Alternatively, the quickest way to make a claim is by using the online claim lodgement following the steps below.

  • Head to https://racv-onlineclaim.tmnfatravelinsurance.com.au/Account/Register
  • Register with the email address you used to purchase your policy
  • Complete your claim details by answering all sections
  • Upload any supporting documents relevant to your claim
  • Submit and your claim should be assessed within 10 working days

RACV offers one of the most varied suites of travel insurance offerings that we've seen. With 7 different levels of cover, you're likely to find something to fit both your budget and travel plans. Key benefits include free cover for dependent children under 25, no additional premium for motorcycle or scooter riding and new for old replacement of luggage.

The downside of RACV's cover is its lack of optional add-ons and long list of exclusions. Where some of the best travel insurance policies shine is the ability to tailor your insurance to make sure you're fully covered for every scenario. With RACV, if you're planning any high-risk activities or need to insure any of your belongings above the benefit limits , you're out of luck.

RACV not quite hitting the mark? You can compare it to other travel insurance companies here to find a better fit.

What company is the underwriter for RACV insurance?

RACV insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548.

Is RACV Australia owned?

Yes, RACV is a locally-owned, unlisted public company that has been operating since 1903.

Can I make changes to my policies?

Yes. You can extend your cover at no extra charge if your delay is due to a reason covered under your policy. You can apply to extend any single trip policy for any other reason by contacting RACV directly at least 5 days before your policy's expiration date.

Does RACV travel insurance cover adventure activities?

Yes, some adventure activities are covered as standard and others are covered under certain conditions. For example, bungee jumping , jet boating and quad biking are covered provided you use a commercial operator and you don't need any special skills or a high level of fitness to participate.

RACV also has a list of high-risk activities that are excluded from cover altogether. These include motocross, canoeing grade 5 rapids and above and any kind of professional sport.

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  • RACV International Comprehensive, International Essentials, International Basic, Annual Multi-trip, Domestic, Domestic Cancellation and Rental Vehicle Excess Travel Insurance information page
  • RACV International Comprehensive, International Essentials, International Basic, Annual Multi-trip, Domestic, Domestic Cancellation and Rental Vehicle Excess Travel Insurance information PDF
  • RACV International Comprehensive, International Essentials, International Basic, Annual Multi-trip, Domestic, Domestic Cancellation and Rental Vehicle Excess Travel Insurance TMD

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Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.

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16 Responses

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Going on a cruise and plan to have a few drinks, not excessive though, wondering if we are covered if we have had a drink and anything happens.

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Thank you for getting in touch with Finder.

Normally insurers will have a general exclusion that prohibits claims where alcohol was the root cause. You can learn more about how travel insurers treat alcohol and drug use. To know the level of your travel insurance cover, please contact your provider directly.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

does RACV travel insurance cover being picked up from a cruise ship at sea

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Thank you for leaving a question.

Upon verifying in the terms and conditions for RACV. If you take out any of the international travel insurance policies, you’re covered with cruise travel insurance which covers the following:

Overseas medical expenses and medical evacuation Cancellations Luggage and personal items 24-hour emergency assistance Emergency expenses overseas Pre-existing medical conditions and pregnancy

Hope this helps! Reggie

Does RACV Travel Insurance cover cost of repatriation to home should I have a serious accident or contract a serious disease or medical condition where I am required to return home on a special stretcher etc. and/or require in flight and travel assistance and/or medical assistance?

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Thanks for getting in touch.

Basically, RACV Travel insurance includes “Amendment or Cancellation Costs”. They will cover your trip amendments or cancellation due to circumstances outside your control and unforeseen at the relevant time. So in the event that you are sent home due to a serious accident or you got a serious disease or medical condition while overseas, you may have to contact RACV to confirm if you can get a claim for your trip cancellation costs.

Although they have Resumption of Journey, they will only cover you for this if your repatriation is due to the sudden serious injury, sickness, disease or death *of a relative or business partner in Australia*. RACV can cover you for economy class transport costs.

Cheers, Joshua

I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?

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Thanks for your comment.

The Comprehensive RACV travel insurance policy covers amendment or cancellation costs due to circumstances outside your control and unforeseen at the relevant time. Therefore, RACV (or any other travel insurance provider) will not provide any cover for cancellation due to breakup of relationship.

You may try to contact RACV about this as cover varies from policy to policy.

Regards, Jhezelyn

does t/ insurance cover property rental if owners cancel my booking

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Thanks for getting in touch. You will need to contact RACV about this as cover varies from provider to provider and policy to policy but generally policies won’t for scheduling and cancellations of that nature.

Cheers, Richard

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  • Allianz Travel Insurance
  • John Hancock Travel Insurance
  • World Nomads Travel Insurance
  • Travel Guard
  • Travel Insurance for Seniors FAQs
  • Why You Should Trust Us

Best Travel Insurance for Seniors of March 2024

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you're covered if any health-related issues arise while you travel — which is where having the best travel insurance comes in.

Best Senior Travel Insurance

  • Allianz Travel Insurance : Best Overall
  • John Hancock Travel Insurance : Best for Expensive Trips
  • World Nomads Travel Insurance : Best for Exotic Trips
  • Travel Guard : Best for Annual Insurance

Compare the Top Travel Insurance for Seniors

Allianz Allianz Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
  • con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
  • con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
  • Single and multi-trip plans available
  • Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
  • Preexisting medical condition coverage available with some plans

John Hancock John Hancock Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
  • con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
  • con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
  • Trip cancellation for 100% of the trip cost
  • Trip interruption insurance for up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000 per person
  • Medical evacuation coverage of up to $1,000,000

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Best Senior Travel Insurance Reviews

Having the right travel insurance will give you peace of mind while you travel and cover any losses incurred if you need to cancel your trip due to health issues. If you're 60+ years old, check out our top picks for senior travel insurance below.

Best Overall Travel Insurance for Seniors: Allianz Travel Insurance

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies, for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Allianz Travel Insurance Review

Best Senior Travel Insurance for Expensive Trips: John Hancock Travel Insurance

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason). Plus, getting a free online quote is a quick and straightforward process.

John Hancock Travel Insurance Review

Best Senior Travel Insurance for Exotic Trips: World Nomads Travel Insurance

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years young, World Nomads suggests working with its partner, TripAssure .

World Nomads Travel Insurance Review

Best Senior Travel Insurance for Annual Policies: Travel Guard Travel Insurance

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

AIG Travel Guard Insurance Review

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. Travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of Coverage

  • Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
  • Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
  • Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of Travel Insurance for Seniors

  • Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
  • Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
  • Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the Most of Your Plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding Your Policy

  • Read the fine print and understand the claims process to avoid surprises.

Emergency Assistance Services

  • Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to Pick The Best Senior Travel Insurance for You

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

  • Travel medical coverage - This coverage will pay for your medical bills outside the US.
  • Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
  • Preexisting conditions - Coverage for known health conditions.
  • Cancel for any reason (CFAR) - The name says it all! It'll cost extra, but it's the most comprehensive trip cancellation coverage you can get.
  • Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
  • Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
  • Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Senior Travel Insurance Tips

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for pre-existing conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. You can usually get a quote online directly from the insurance provider. You can also check a third-party comparison site, like travelinsurance.com, to see multiple coverage options in one spot.

When it comes to saving money on senior travel insurance, comparison-shopping is the name of the game. And remember to only insure the nonrefundable parts of your trip. If you bought fully refundable plane tickets, for example, there would be no need to insure those.

According to our rankings, Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies, which could make sense for seniors who travel frequently.

Most travel insurance policies will cover travelers up to age 80, and some even offer coverage up to age 99 or 100. The older you are, the more you should expect to pay for travel insurance.

Why You Should Trust Us: How We Chose the Best Travel Insurance for Seniors

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

  • Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
  • Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
  • Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
  • Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can find more details in our methodology for evaluating insurance companies .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

racv travel insurance seniors

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Travel Insurance for Seniors & Retirees: 5 Top Picks

racv travel insurance seniors

Allianz Travel Insurance »

racv travel insurance seniors

Trawick International »

racv travel insurance seniors

GeoBlue »

racv travel insurance seniors

IMG Travel Insurance »

racv travel insurance seniors

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance
  • Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

  • Allianz Travel Insurance: Best Annual Coverage
  • Trawick International: Best Premium Travel Insurance for Seniors
  • GeoBlue: Best Travel Medical Coverage for Expats
  • IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
  • WorldTrips: Best for Flexibility

Best Travel Insurance for Seniors and Retirees in Detail

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

  • Coverage for COVID-19
  • Trip cancellation coverage up to $3,000
  • Trip interruption coverage up to $3,000
  • Emergency medical coverage up to $20,000
  • Emergency medical evacuation coverage up to $100,000
  • Baggage loss coverage up to $1,000
  • Baggage delay insurance up to $200
  • Travel delay coverage up to $600 ($200 daily limit)
  • Rental car damage and theft coverage up to $45,000
  • Travel accident coverage up to $25,000
  • 24-hour hotline for assistance
  • Concierge service
  • Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

  • Up to $15,000 in trip cancellation insurance
  • Up to $22,500 in trip interruption coverage
  • Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
  • Up to $1,000 for missed connections
  • Up to $150,000 for emergency medical expenses
  • Up to $1 million in emergency medical evacuation coverage
  • $750 in emergency dental coverage
  • $2,000 in coverage for baggage and personal effects
  • $400 in baggage delay coverage
  • 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

  • Preventive and routine care
  • Professional services like surgery
  • Inpatient medical care
  • Ambulatory and therapeutic services
  • Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

  • Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
  • Emergency and nonemergency medical evacuation coverage
  • Coverage for emergency reunions
  • Return of mortal remains
  • Trip interruption coverage worth up to $5,000
  • Lost luggage coverage worth up to $250 (up to $50 per item)
  • Coverage for terrorism worth up to $50,000
  • Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

  • Up to $1 million in emergency evacuation coverage
  • Medical benefits like hospital room and board, chiropractic care, and more
  • Coverage for repatriation of remains
  • Up to $25,000 in personal liability coverage
  • Up to $10,000 in trip interruption insurance
  • Up to $1,000 in coverage for lost checked luggage
  • Up to $100 per day in coverage for travel delays of 12-plus hours
  • Up to $1,500 in coverage for bedside visits
  • Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

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racv travel insurance seniors

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Best Travel Insurance for Seniors in March 2024

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As an older adult, you may look forward to traveling the world when you retire. Whether taking a single trip or traveling extensively, health concerns and sickness can derail even the best plans.

One way to address those risks is to purchase one of the best travel insurance policies for older adults . We cover multiple insurance carriers and provide policy premiums and benefits examples to help you find the best travel insurance to meet your needs.

This is the shortlist of the best travel insurance for older adults:

HTH Travel Insurance .

John Hancock .

TravelSafe .

Seven Corners .

World Nomads .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance policy is an important decision. Yet, the best travel insurance company depends on your needs and budget. Here are the factors we focused on when making this list.

Available policy types . The best travel insurance companies offer multiple policy types to meet the needs of various travelers.

Policy coverage limits . How much will the policy cover if you need to make a claim?

Exclusions . Do you have pre-existing conditions that may affect your ability to travel, increase the potential for medical treatments during your trip or cut your trip short? What would cause the insurance company to deny a claim?

Cost . How much does the insurance company charge for a basic policy? Is this price affected by your age, length of the trip or overall health condition?

Website usability . We value insurance companies that make it simple for travelers to compare options, get a quote and purchase a policy online.

Customization . Are the insurance company's policies customizable to meet a traveler's needs or must they choose from a rigid set of options?

What matters most to you also impacts which travel insurance is best for you. Whether it's medical evacuation, pre-existing conditions or the repatriation of remains, each policy's coverages and limits differ.

Additionally, policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

We requested quotes from multiple travel insurance companies for a 10-day trip to Madrid in July 2023. Our hypothetical traveler is a 65-year-old man from California who is spending $8,000 for the trip. His trip cost includes airfare plus prepaid hotels and excursions.

On average, the price of a policy offered by the listed companies was about $514, with a median price of $609.

* Cost refers to the basic coverage cost if multiple options are available.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different coverage. For example, policies from HTH Travel Insurance only provide medical coverage but not trip interruption, delay or cancellation protection.

Comparing coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

HTH Travel Insurance

What makes HTH Travel Insurance great:

Medical benefits of up to $1 million with deductibles as low as $0.

Access to English-speaking doctors in more than 180 countries.

Insurance covers hospital care, surgery and prescription drugs.

Here's a snippet from our HTH Travel Insurance review:

"HTH has a few travel insurance policies. These include medical plans and trip protection plans, so you'll want to decide what type of coverage you require."

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from HTH Travel Insurance. For our test trip, their healthcare-only coverage cost is just $90. However, keep in mind that this plan only provides medical coverage — if you want insurance for things like trip cancellation , trip interruption or baggage delay, you'll need to purchase a different plan.

racv travel insurance seniors

John Hancock

What makes John Hancock great:

Emergency medical evacuation coverage starts at $250,000 per person.

Trip interruption coverage of 125% of trip cost.

Trip delay benefits start at six hours.

Here's a snippet from our John Hancock review:

"John Hancock offers three different plans for travelers depending on their needs: Gold, Silver and Bronze. As you'd expect, the Gold level comes with the most coverage and the highest price, while the Bronze level costs the least."

John Hancock's basic coverage cost for our test trip is $616, which is slightly above average. This policy is ideal for travelers worried about health problems requiring an emergency medical evacuation during their trip.

racv travel insurance seniors

What makes TravelSafe great:

Coverage for pre-existing conditions is available if the policy is purchased within 21 days of booking travel.

Includes a $500 benefit for missed connections or trip delays.

Trip cancellation protection of up to $10,000.

Here's a snippet from our TravelSafe review:

"TravelSafe insurance offers two different plan types: Basic and Classic. Both of them only cover single trips; the company doesn't sell multi-trip or year-long plans. The TravelSafe Basic plan offers a lower level of protection than the company's more expensive option, TravelSafe Classic."

TravelSafe's basic coverage cost for our test trip is $855. While this policy has a higher price, it offers coverage for pre-existing conditions if you buy it within 21 days of booking your trip.

racv travel insurance seniors

Seven Corners

What makes Seven Corners great:

Lost baggage benefits of $500 per person (per item limit of $250).

Delayed bags are reimbursed up to $100 per day ($500 max).

Trip delay of up to $200 per day per person after six hours ($600 maximum).

Here's a snippet from our Seven Corners review:

"The RoundTrip Basic plan is a good comprehensive travel insurance option and offers 100% trip cancellation (for trips up to $30,000), 100% trip interruption, $100,000 for emergency medical expenses (secondary coverage), $250,000 for medical evacuation/repatriation, lost luggage, baggage delay and other benefits."

Seven Corners' basic coverage cost for our test trip is $602, which is slightly above average. It offers superior protection against lost or delayed luggage, which can really put a damper on your travel plans.

racv travel insurance seniors

What makes Tin Leg great:

Trip cancellation and interruption for COVID included at no extra charge.

Coverage extended up to seven days for medical quarantine .

Sports equipment is covered under baggage loss coverage.

Here's a snippet from our Tin Leg review:

"Tin Leg offers nine different travel insurance coverage policies. Prices vary for each depending on your itinerary and trip costs. The Basic plan is exactly what it sounds like: a policy for low-risk trips. It includes coverage for trip cancellation, delay and interruption, plus missed connections, emergency medical and evacuation, and lost and delayed luggage coverage."

Tin Leg's basic coverage cost for our test trip is $844. COVID's impact on retirees can be severe, so having a policy with generous benefits regarding coronavirus is critical. One of the best features includes up to one week of additional coverage at no charge if you're medically quarantined.

racv travel insurance seniors

World Nomads

What makes World Nomads great:

Covers more than 200 adventure activities.

Ability to extend coverage while traveling.

Emergency medical coverage of $100,000 for all policies.

Here's a snippet from our World Nomads review:

"World Nomads offers the Standard and Explorer travel insurance plans and excels in sports/activity-related travel insurance coverage while offering solid trip delay, baggage delay and lost luggage protections. The provider offers insurance plans for travel to nearly any country and is available to residents of most countries."

World Nomads' basic coverage cost for our test trip is $74. However, take note of the coverage limits on its policies, which can be much lower than the cost of your trip. Its Basic policy coverage caps trip cancellation or interruption at $2,500, which could leave a large gap in comparison to our traveler's $8,000 trip cost.

Best travel insurance for older adults recapped 

The types of insurance plans for older adults — and how much they cost — vary significantly. There are options for those who only want to cover medical costs and plans for those who want coverage for any travel mishap that might befall them.

Other things to consider are pre-existing medical conditions, what types of activities you're doing and how long you'll be traveling.

Your chosen policy will depend on your travel needs and your comfort with risk. The upfront cost may be well worth it if you need to make a claim on an expensive injury, a canceled flight or a medical evacuation. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

racv travel insurance seniors

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Home > Travel Insurance > RACV Travel Insurance Review

RACV Travel Insurance Review

Learn more about RACV’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

racv travel insurance seniors

Fact checked

For more than a century, RACV has provided roadside assistance and a range of other services to its more than two million members. The Melbourne organisation has branched out in that time, widening the scope of its services to products such as home and travel insurance and becoming a leader in those markets.

If you’re looking for the best travel insurance, Savvy can help you compare RACV’s policies with its competitors so you can find the most suitable deal for your next holiday. You’ll be able to weigh up all the factors, from claim limits to benefits to inclusions and exclusions.

Find out what they can offer you here before getting a quote with Savvy today.

*Please note that Savvy does not represent RACV for its insurance products.

racv travel insurance seniors

More about RACV travel insurance

What travel insurance policies does racv offer.

RACV’s online travel insurance policies include:

  • International Comprehensive: this policy offers unlimited medical treatment and cancellation cover, protection for your luggage and travel documents and even pays for the additional cost of boarding your pet if you’re travel home is delayed. You’re also covered for a range of COVID-19-related expenses such as cancellation, hospital costs and cancellation.
  • International Essentials: offering many of the same benefits as the comprehensive policy, RACV’s cheaper Essentials plan comes without COVID-19 or pet cover and lower claim limits.
  • International Basics: this policy offers protection for the bare necessities, including overseas hospital and dental expenses, funeral costs if you die on holiday, limited coverage for your luggage and generous personal liability cover.
  • Domestic Travel Insurance: this type of domestic travel insurance policy offers cover for lost luggage, cancellation fees and deposits, travel delays and any travel agent fees. RACV also offers domestic travel insurance for seniors .
  • Annual Multi-Trip Insurance: planning a few international or domestic trips across 12 months? This policy is designed for frequent travellers and covers you for cancellation fees and lost deposits, overseas healthcare and any emergency expenses. You’re able to make an unlimited number of trips (up to 60 days in individual length) over the year. However, they must be more than 250km from your home.

However, it pays to compare quotes with Savvy to help you find the best travel insurance policy for your needs, no matter if you’re planning a holiday to Poland or a trip across Australia.

What optional extras are available through RACV?

RACV, like many other providers, provides optional extras for both international and domestic holidays . These include:

  • Ski and winter sports cover: hitting the snow fields on your European holiday or carving up the snow-capped mountains in Thredbo? RACV allows you to purchase a comprehensive, essentials, basics or domestic ski add-on which covers you for a range of incidentals, including equipment hire, piste closure and bad weather or avalanches.
  • Cruise cover: this optional extra provides coverage for any medical expenses and evacuation, lost or delayed bags, cancellation and any emergency expenses.

What exclusions should I be aware of when buying travel insurance through RACV?

Finding the best travel insurance policy can be a bit like striking gold. However, even the product which is best suited to you won’t cover absolutely every incident that occurs on your holiday. Some of the general exclusions on RACV's coverage include:

  • Loss, theft or damage because you don’t take reasonable care
  • Loss of enjoyment or a prospective business opportunity
  • Claims relating to travel to a country against government advice
  • Failure to provide a document your insurer has requested
  • If you’re injured or suffer a loss due to war or a revolution at your destination
  • Claims resulting from you breaking the law
  • Accidents caused by the consumption of alcohol or drugs

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RACV travel insurance

What we like, generous personal liability.

While many travel insurance companies offer personal liability coverage in the ballpark of $2.5 million or $5 million, RACV allows you to claim up to $10 million if you’re involved in legal troubles on your holiday.

Children under 25 covered for free

Taking the children or grandchildren on holiday with you? RACV allows you to add anyone under the age of 25 years old to your travel insurance policy at no additional cost.

Ride a motorcycle at no extra cost

Planning on carving up the busy streets of your holiday destination on two wheels? RACV provides automatic coverage for motorcycle , moped or scooter riding while you’re on holiday.

What we don't like

Higher premium for cruises.

Unlike some travel insurance providers who offer cruise coverage automatically as part of their policies, RACV requires you to purchase an add-on to get covered if you’re sailing the high seas.

Limited coverage for pregnancies

If you’re an expectant mother, RACV offers limited cover for pregnancy in its policies. You’ll only be covered for unexpected complications before your 26th week or premature birth.

Modest pre-existing coverage

While RACV’s travel insurance policies automatically cover illnesses such as acne, certain types of diabetes, gout and sleep apnoea, they’ll require you to undergo a medical assessment if you have a more serious illness, such as a heart condition.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about RACV travel insurance

Yes – RACV provides cover for certain COVID-19-related expenses on its comprehensive international travel insurance policy. This allows you to be covered for any medical costs if you’re diagnosed with coronavirus, lost deposits or cancellation fees if you test positive and can’t travel and any delay to your plans.

If something goes wrong while you’re on holiday, you can make a claim 24/7 through RACV’s website. This involves you setting up an account using the email address that you purchased your policy with and creating a password.

From there, you’ll be required to complete the online claim form and provide ample detail about the incident and evidence through medical or police reports and receipts. Once you’ve filed your claim, RACV’s website says it can take up to ten days for claims to be processed.

The cost of travel insurance is different for everyone, as it’s determined by a unique set of variables, including:

  • Your date of birth
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy

An annual multi-trip travel insurance allows you to take several journeys across one year (usually allowing up to 60 travel days for each trip) whereas a single-trip policy allows for coverage on only one return holiday. If you haven’t got a return flight, a one-way travel insurance policy protects you for just one leg of the journey for up to 12 months. In most cases, you’ll be able to extend your cover by an extra 12 months.

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  • Best Travel Insurance Providers for Seniors

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Our Pick Of The Best Travel Insurance Providers For Seniors

Published: Jul 19, 2023, 1:05pm

Preparing for a holiday is a treat at any age, but all travellers, regardless of whether you’re backpacking or retired, need to tick off essential travel admin like purchasing travel insurance before the fun begins.

This ensures you can access life-saving medical treatment in an emergency overseas, when medical and hospital fees vary wildly. It can also help cover costs to get your trip back on the road after unforeseeable mishaps, or get you home safely if you need to cut the holiday short. This safety net can be especially important for more mature travellers with complex health and travel needs.

Not every insurance policy caters to people over a certain age, and others may impose benefit limits for certain activities for older travellers. Our dedicated Australian research team has dug through the fine print of policies open to seniors so we can outline the details of the best seniors travel insurance in Australia and who they may be best suited for. Leading policies are analysed across numerous data points, and ranked by our editorial team to reflect the most generous travel insurance suitable for seniors.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Related: Best Travel Insurance for Australians

Featured Partners

Travel Insurance Saver

Cover-more travel insurance (comprehensive), nib travel insurance (comprehensive), freely (comprehensive), allianz (comprehensive), bupa (comprehensive), boomers travel insurance (comprehensive), australia post (comprehensive), medibank travel insurance (comprehensive), racv travel insurance (comprehensive), cota (comprehensive).

Southern Cross Travel Insurance (Comprehensive)

Fast Cover (Comprehensive)

Our methodology, what is seniors travel insurance, types of travel insurance, senior travel insurance: what to look for, can seniors over 75 get travel insurance, pre-existing medical conditions: are you covered, travel insurance coverage for children and grandchildren, typical exclusions in seniors travel insurance, final thoughts, frequently asked questions (faqs).

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Cover-More Travel Insurance

racv travel insurance seniors

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Cancellations

Yes, amount chosen by customer

racv travel insurance seniors

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

WAS Insurance

racv travel insurance seniors

Medical Cover & Support

Unlimited* + 24/7 Support

Cancellation AND Disruption

Up to $40,000*

Travel Insurance Saver

Yes (automatic)

The Travel Insurance Saver policy operates via nib’s underwriting service and therefore provides very similar benefits, minus the discount offered to nib health insurance members. Like the nib comprehensive policy, you’ll receive unlimited cover for medical expenses and anything that happens on a cruise as standard, as well as the freedom to choose the amount you’d like covered for cancellation costs (apart from the $2,000 limit on travel agent cancellation fees).

Many pre-existing medical conditions are included in the policy without the need for a medical assessment, including allergies, epilepsy, Hashimoto’s Disease and more, provided you meet the relevant criteria. But don’t forget the $8,000 limit on hospital compensation (at $50 per day), and that cover if you are permanently disabled while travelling is relatively low at $12,500. This policy also only covers $1 million in personal liability expenses.

  • Cruise cover automatically included.
  • Unlimited overseas medical expenses covered
  • Lower permanent disability cover

Cover-More Travel Insurance (Comprehensive)

99 (with acceptance criteria)

The comprehensive travel insurance offering from Cover-More is a suitable option for seniors (up to 99 years of age) seeking the peace of mind that cover for pre-existing medical conditions can provide. The policy’s wide range of automatically covered conditions includes carpal tunnel syndrome, plantar fasciitis, and some common heart conditions.

Be sure you meet any criteria related to these and other conditions, and please note that asthmatics over 60 aren’t automatically covered. We also liked the option to add on cruise cover, the generous $15,000 in coverage for luggage, $2.5 million in personal liability cover, $60,000 in funeral and repatriation expenses, and unlimited overseas medical cover. However, dental expenses are capped at $2,000.

  • Many pre-existing medical conditions covered without assessment
  • $15,000 luggage cover with item limit increases available
  • $2,000 overseas dental expenses cap

nib travel insurance (Comprehensive)

The comprehensive travel insurance offering from nib provides generous cover that will suit many seniors’ travel plans, with additional flexibility. It’s a great option for nib health insurance customers who receive a 10% premium discount, or anyone travelling with their children who can also be covered by the policy (as long as they’re under 25). Medical expenses that may crop up on your overseas trip should be sorted with the unlimited cover, and cruise cover is included as standard. We also like that policyholders can choose the amount of coverage for cancellation costs, with the only limit being $2,000 on travel agent cancellation fees.

This policy gets another gold star for covering numerous pre-existing medical conditions as standard, including things like allergies, epilepsy, Hashimoto’s Disease and many others (as long as you fit the criteria). However, only $1 million is covered for personal liability expenses. Also note the $8,000 limit on hospital compensation (at $50 per day), and that the permanent disability cover of $12,500 is relatively low.

  • 10% discount for nib health insurance members
  • Cruise cover automatically included

If you’re a whizz with technology and under the age of 99, Freely could be your ideal travel insurance provider. You can purchase and manage a comprehensive policy suited to seniors via the Freely app which enables a convenient claims process and easy access to important policy documents. We appreciated that the unlimited overseas medical cover also includes dental expenses, and that cruise cover can be added onto the policy.

Personal liability is covered to $3 million, and if the worst were to happen—that you pass away or become permanently disabled while travelling—expenses related to this are covered up to $25,000. A number of medical conditions are automatically covered, from bunions to congenital blindness and deafness, just be sure you meet the criteria for each. However, there is only $5,000 allotted to cancellations, which should be factored in if you’re planning a costly trip with payments made ahead of time.

  • Numerous pre-existing medical conditions covered without assessment
  • Unlimited overseas medical and dental cover
  • $5,000 limit on cancellation cover

Allianz (Comprehensive)

Allianz Australia is a suitable choice for seniors looking for a reputable underwriter and some generous conditions. Chief among these is the ability to add cruise cover—a big plus among older travellers— and the fact there is no age limit on taking out a policy. We also liked the unlimited medical expenses, alongside personal liability coverage up to $5 million.

Another bonus: children and grandchildren are covered if they are travelling with you 100% of the time, are aged under 25 years and not in full time employment. However, coverage for pre-existing conditions required a medical assessment, and there is no cover for any expenses for medical evacuation, funeral expenses incurred overseas or return of remains unless it has been approved by Allianz Global Assistance.

  • Cruise cover can be added
  • No age limit to policy
  • Pre-existing medical conditions require assessment

Bupa (Comprehensive)

Travellers of all ages and life stages can take out Bupa’s comprehensive policy, but anyone who currently holds health insurance through the company can access a 15% discount as a loyalty bonus. Simply enter your membership number when prompted as you’re applying, and you’ll get a tidy discount across the policy, which includes unlimited medical, health and emergency cover.

Top marks as well for the handy add-ons, such as cruise cover and increased item limits for more valuable personal effects, as well as the $5 million personal liability cover and $60,000 for funeral and repatriation expenses. Please note that you will be required to do an online medical assessment for any coverage of pre-existing medical conditions.

  • 15% discount for Bupa Health Insurance members

Boomers Travel Insurance (Comprehensive)

While the company’s name may elicit a cringe, Boomers Travel Insurance presents a high quality, flexible offering for travellers of any age that’s underwritten by the reputable Allianz Australia Insurance. The policy’s generous benefits include $10,000 in cover for luggage with the option to increase item limits for more valuable possessions, the option to add on cruise cover, and $5 million in personal liability cover.

It’s a great option for families, as children and grandchildren are also covered if they are joining you for your entire journey, as long as they are under 25 and not employed full-time. While the policy includes unlimited overseas medical, hospital and emergency expenses, it’s important to note that all pre-existing medical conditions need to be assessed and approved by the company when you apply for coverage.

  • Luggage cover can be increased for valuable items

Australia Post (Comprehensive)

Yes (dental limits apply)

Seniors seeking out travel insurance that automatically covers a wide range of pre-existing medical conditions (without a medical assessment required) alongside generous benefits should consider Australia’s Post’s International Comprehensive Travel Insurance. Knowing you’ll be covered if a claim arises from conditions like hypertension, epilepsy, hiatus hernia and some autoimmune disorders provides extra peace of mind for anyone juggling health complications later in life (just be sure you meet the criteria for each condition).

There’s no age limit for policyholders, nor any limits on overseas medical and hospital care, as well as additional emergency expenses. We also liked the generous $5 million personal liability cover, and $12,000 in repairs or replacement for luggage (sub limits for certain items do apply). If you’re concerned about potential dental issues while travelling, do note there is a $2,000 cap on dental expenses. And if you’re an asthmatic over 60, this particular condition won’t be covered.

Medibank Travel Insurance (Comprehensive)

Medibank is one of the largest private health insurance providers in Australia, and its comprehensive travel insurance policy is similarly reliable for senior travellers. It is especially good value for anyone who already holds a health insurance policy with Medibank – those with standard health insurance memberships will receive a 15% discount, and Medibank Priority health members will see a 20% premium reduction.

It includes generous policy features like unlimited cover for overseas medical and cancellation expenses, $15,000 in luggage cover with flexible sub limits for specific items, and $5 million in personal liability cover. Cruise cover can be added as an optional extra for those travelling the high seas, and a wide range of pre-existing medical conditions are covered without policyholders having to apply or undergo a medical assessment. Keep in mind there is a $2,000 limit on overseas dental cover.

  • 15% discount for Medibank health members.
  • Many pre-existing medical condistions covered without a health assessment.
  • $2,000 limit on dental cover.

Undisclosed

With unlimited overseas medical, dental and cancellation cover, the comprehensive travel insurance policy from RACV is an attractive policy for travellers of all ages. While the Victorian insurance company doesn’t specify an age limit on this policy, it provides cover suitable for seniors while offering a 15% discount to RACV members, no matter the type of insurance they hold with the company.

We appreciate the extremely generous $15 million personal liability cover, the $15,000 in luggage cover with flexible sub limits, and that a range of pre-existing medical conditions are covered without an assessment. Please note that travellers over 50 can’t be covered for diabetes, and those over 60 aren’t covered for asthma.

  • Cruise cover can be added.
  • 15% discount for RACV members.
  • Age limits apply for some pre-existing medical conditions.

COTA (Comprehensive)

Yes (some conditions apply)

COTA has specialised in the seniors’ insurance space since 1992, and is currently underwritten by Pacific International Insurance. Major selling points that could serve older travellers well include the automatic inclusion of cruise cover, $12,000 in cover for lost or stolen luggage, and no age limits applied to the coverage.

While overseas medical expenses coverage is unlimited with this policy, we thought it important to note the caps on dental cover ($1,000) and hospital compensation (up to $8,000 with a limit of $50 per 24 hours). Medical evacuation and repatriation expenses are unlimited, but there is relatively low cover for permanent disability caused while travelling ($12,500). And if you require cover for pre-existing conditions, you’ll need to undergo an assessment.

  • Caps on overseas hospital and dental expenses

Southern Cross Travel Insurance (Comprehensive)

Southern Cross Benefits is a reputable underwriter for this comprehensive policy available to travellers at any age . It includes generous benefits like $25,000 cover for lost luggage and unlimited medical and evacuation costs, although sub limits do apply (such as a $2,000 limit for dental expenses and a $100,000 limit on medical costs related to terrorism).

The $50,000 coverage for death, permanent disability and funeral expenses is notably higher than similar policies, but personal liability costs are only covered up to $1 million. While bank cards and other travel documents are covered up to $1,000 if lost, there is no cover for credit card fraud. Anyone with existing medical conditions or injuries will need to apply for these to be covered in case they are the cause of expenses while travelling.

  • Generous death and disability cover
  • No cover for credit card fraud

89 (with age and coverage limits on certain benefits)

Fast Cover caters to travellers aged up to 89 , but benefit limits and coverage restrictions can apply for anyone over 60, depending on which age bracket you sit within. Travellers up to 79 years of age have unlimited cover for overseas medical expenses, cancellations (although there is a $1,500 cap on travel agent fees), and trip disruption and resumption costs. Those aged 80-89 will need to pay a $2,000 excess for cancellations related to sickness or injury.

Also note that snow cover isn’t available to anyone aged 70 or older, the adventure pack age limit is 74, and dental cover for travellers of all ages is limited to $1,000. Happily, cruise cover can be an add-on at any age, personal liability is covered up to $5 million, and there are a large number of pre-existing medical conditions covered for people of all ages (as long as you satisfy the criteria related to those conditions).

  • Many pre-existing medical conditions covered without assessment.
  • Cruise cover can be added on.
  • Age and cover limits apply to certain benefits for older travellers.

Our editorial team has complete control over analysing and rating the travel insurance policies you’re reading about today. We don’t aim to evaluate every policy on the market, but we go to great lengths to extensively research and report on the most popular choices among consumers.

To find the best travel insurance for seniors, we meticulously assessed the desirable policy attributes for this kind of insurance customer across 17 datapoints. These factors are weighted to reflect the importance of each. The four most important factors considered were limits around age, death and disability cover, unlimited medical cover and cruise cover.

As mentioned, we didn’t include price in this assessment, as quotes vary between travellers based on a huge range of factors, from their holiday itinerary to optional extras they want included and health and medical histories. Each of the elements we considered when finding the most senior-friendly travel insurance providers are outlined below.

  • Emergency Assistance:  Does the policy offer a 24-hour medical or emergency hotline?
  • Credit card fraud:  If you fall victim to credit card fraud while travelling, will your credit card be replaced and any stolen funds reimbursed?
  • Pre-existing medical conditions:  Does the policy cover pre-existing medical conditions, and are you required to undergo a medical assessment to be covered for these? The more conditions automatically covered, the better.
  • Lost luggage:  Will your lost luggage be covered? Higher overarching limits and extra flexibility to increase sub limits scores extra points.
  • Cancellations: Does the policy cover cancellation fees, and what is the limit or any sub-limits?
  • Cruise cover:  Is cruise cover included as standard or can you add it on?
  • Online discounts:  Are there any discounts on offer?
  • Maximum age covered:  What is the maximum age covered in the comprehensive policy? Having no age restrictions is ideal, but otherwise the higher the better.
  • Cover for medical expenses:  Is it unlimited or is there a set total price for the medical expenses covered?
  • Cover for dental expenses:  Does the policy cover emergency dental work overs overseas? If so, is a limit specified?
  • Covid cover:  Is cover for expenses that arise from events and illnesses related to COVID-19 included in the policy? If so, what does this include, and are there any limits?
  • Cover for children and grandchildren travelling with you:  Are grandchildren or children covered for free under this policy? If they are, what terms and conditions must your family members meet to qualify?
  • Personal liability:  If you unintentionally injure someone else or damage their property, what is the maximum personal liability expense that the insurance company will pay out?
  • Funeral costs:  Are funeral costs covered, and up to what price? Limits on repatriation of remains from overseas should be considered here if they’re not included under a different policy point.
  • Accidental death:  What is the claim limit if the worst were to occur and you pass away from unforeseeable circumstances while travelling?
  • Accidental disability:  If you are permanently disabled after an accident while on holiday, what’s the maximum monetary support you can access?
  • Customer service:  What level of customer support does the insurance company offer? This could include live online chat and phone services, with these channels being available on weekends or outside business hours midweek.

About Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

When you search for seniors travel insurance online, you can find specialised policies for people over a certain age. Many insurance companies that offer these define ‘senior’ as being over 75. However, some will have a higher minimum age and others will impose age-based coverage restrictions for anyone over 55.

The majority of travel insurance companies don’t provide tailored seniors cover, and instead recommend their comprehensive travel insurance policies to older travellers. These policies often have very high or even no age restrictions, and can cover a range of complex health and travel needs.

When our research team scoured the market to find travel insurance policies best suited to seniors, we analysed comprehensive offerings to assess how generous they were for seniors. Age limits, cover for unlimited medical expenses and the availability of cruise cover, a popular option among retirees, were all key considerations.

Remember: You will note that ForbesAdvisor has not analysed price as one of its metrics as this varies wildly between insurers and depends on a number of individual variables. Age is one of these variables, and, as a whole, senior travellers can expect to pay higher premiums for travel insurance. As always, it’s important to check the fine print so you know what you are, and aren’t, covered for.

While every travel insurance provider may offer different levels of coverage under different names, there are usually three types of international travel insurance: basic, essentials and comprehensive. The cost of travel insurance will change depending on the option you chose, with basic usually the cheapest and comprehensive the most expensive.

Speaking broadly, this is what the three policy tiers generally cover:

Basic: A policy under the basic banner will usually cover things like overseas emergency medical and hospital expenses, unavoidable cancellations, replacing lost or damaged luggage, and personal liability for if you accidentally injure someone or damage their property. Basic policies often come with age restrictions, so may not be suitable for seniors.

Essentials: This is generally a mid-range policy that includes everything covered by basic travel insurance, as well as cover for some riskier activities or higher benefit limits. Similarly, an essentials policy may not be open to people over a certain age.

Comprehensive: If you’re after all of the essentials, higher benefit limits, and more cover for a wider range of activities, then a comprehensive travel insurance policy may fit the bill. Many travel insurance companies may not offer a policy explicitly for seniors, but their comprehensive options—which usually cover broader medical care and have higher or no age limit—will suit most senior travellers.

If you’re travelling within the bounds of Australia, domestic travel insurance could also be useful. However, the inclusions and coverage in these policies aren’t always relevant to international travel insurance, and so shouldn’t be compared alongside the policies listed below.

Choosing an insurance policy is personal, as it depends on factors like your age, your health needs, the belongings you want protected while travelling and your specific holiday plans. So, you should always consider policies in line with your personal and financial circumstances. However, there are a few common elements of travel insurance that seniors should consider when comparing policies:

Unlimited medical, hospital and emergency cover: You’ll find many comprehensive policies list unlimited cover for overseas medical expenses. This is a vital component of travel insurance, as you can’t predict if you’ll encounter emergency health situations and the cost of treatment may be very high in some countries, especially America . Keep an eye out for any limits around dental expenses and hospital compensation limits.

Automatic cover for pre-existing medical conditions: Some policies will automatically cover a number of common illnesses and injuries, while others will ask you to apply for coverage for all existing medical conditions (or a combination of both). In both cases, your medical history will need to meet certain criteria for that condition to be covered. Having more conditions automatically covered by a policy makes the application process smoother for seniors with complex health needs, and means the insurance provider probably isn’t increasing premiums based on the your health status.

Cover for children and grandchildren you’re travelling with. Many comprehensive policies will provide cover for your children and grandchildren if they’re travelling with you at no extra cost. This is great for families, but usually comes with some caveats. Kids and grandkids will often need to be travelling with you for 100% of your trip to get coverage, will need to be under a certain age (often 25 or younger), and can’t be working full-time. Be sure to check your family meets all the criteria before assuming any extra travellers are covered under your policy.

Cruise cover: Cruising the globe is a popular adventure for many older travellers, but it comes with risks like any other activity. Things like on-board medical treatment, incidents that happen on shore-trips and medical evacuations from cruise liners can be extremely expensive, and they generally aren’t covered by a standard policy. Many comprehensive policies offer cruise cover as an optional extra to add onto your policy, and some include it as standard in coverage. If you’re headed for the high seas, investigate which option suits you best.

No age limits, age-based excesses or benefit exclusions: Many senior-specific travel insurance policies or comprehensive policies will allow people of all ages to take out insurance, which is essential for older travels. Keep an eye out for any additional excesses that may be applied to older travellers when making a claim, or any activities or pre-existing conditions that won’t be covered if your age exceeds the insurance company’s cap.

People over the age of 75 can take out travel insurance, but not every provider or policy will cover you. Basic policies usually have an age cap at 75 (or sometimes even lower), so seniors over 75 will need to take out comprehensive travel insurance or specific policies tailored to seniors.

Make sure you carefully examine the product disclosure statement (PDS) of each policy for any specific activities or benefits that have age restrictions or limits, as this can vary considerably between providers.

In every PDS, you’ll find a long list of pre-existing medical conditions that are or are not covered. While every policy is different, having certain health conditions may disqualify you from travel insurance cover at any age.

However, many common pre-existing conditions like diabetes, epilepsy, asthma and some heart conditions are automatically covered in many policies. This means if you make a claim that’s directly or indirectly related to these conditions, your insurance provider will likely cover you assuming you met the criteria for the claim.

Be sure to check any criteria around these conditions related to changes in medication, recent surgeries or other complications. And remember: some policies may apply age limits for specific conditions which they do cover. For example, older asthmatics often won’t be automatically covered, while younger travellers with the condition will.

Some providers allow you to apply for cover of pre-existing medical conditions that aren’t on the pre-approved list. You’ll generally need to undergo a medical assessment to apply, and if approved, you’ll likely be charged an extra premium or higher excess for the coverage.

Many seniors and comprehensive travel insurance policies will include cover for any of your children and grandchildren joining your travels. This is generally included as standard, but comes with strict criteria that your family must meet in order for them to be covered by your policy. In many cases, children and grandchildren are required to be:

  • Travelling with you for 100% of your trip
  • Under a certain age (often 25 or even younger)
  • Not working full-time and, in some cases, be financially dependent on you

Younger travellers may have different travel insurance needs from seniors, so it’s important to ensure your policy covers everything that might impact your kids or grandkids while they’re travelling with you. And if your family continues their journey when you head home, they will need to take out their own insurance for the remainder of their trip in order to be covered.

All travel insurance policies have a number of activities or situations that aren’t covered, no matter your age. Seniors should always read policy documents carefully to see if there are any additional age restrictions on things like adventure sports or certain pre-existing medical conditions.

Some exclusions will be outside your control, but there are other actions you can take that may void your cover. Common seniors travel insurance exclusions include:

  • Any pre-existing condition which has not been declared, whether it’s automatically covered or not.
  • Any expenses caused by asthma if you’re over 60 (a common age-based medical restriction).
  • If you are involved in any illegal activity.
  • If you’re under the influence of alcohol or drugs during the relevant event.
  • Travelling to a destination with Smartraveller warnings under a ‘do not travel’ classification.
  • If you take part in risky activities that aren’t covered by your policy, like snow sports or high-altitude hiking.
  • Anything that happens on a cruise ship if cruise cover is not included in your policy (either as an automatic inclusion or added as an optional extra).
  • Pandemics and epidemics, unless specifically outlined in your policy, which you’ll find is often the case with expenses related to Covid-19.

There are numerous travel insurance options available to seniors, no matter your age nor your ability. The key to finding a suitable policy for you is in the fine print.

As you’re researching and comparing policies, be sure to pore over policy documents for limits to cover, specific age-based restrictions, options for additional cover versus automatic inclusions, and any policy features which will best suit the kind of international holiday you’re taking.

What is the best travel insurance for seniors over 70 in Australia?

The best travel insurance for any individual is a policy that offers the most relevant features within their budget. We’ve researched travel insurance policies that include features which are best suited to seniors, but everyone should compare and consider these policies to see if they meet their personal and financial needs.

Is travel insurance more expensive for over 75s?

As some risk factors are higher for older travellers—often those associated with existing medical conditions and injuries—you may find your travel insurance quotes increase with age. Every insurance provider has their own method for calculating premiums, so the level to which age does impact price will differ between quotes.

There’s no magic age where your premiums skyrocket, but some insurance companies do set their standards for ‘seniors travel insurance’ for people aged 75 and over.

What's the difference between single and multi-trip travel insurance?

With most travel insurance policies, you’ll need to select the dates you’ll be travelling within, and only bookings or events that happen in this timeframe will be covered. This is referred to as a single-trip policy. If you’re a regular globetrotter, you might consider multi-trip travel insurance. Otherwise known as annual travel insurance, this kind of policy can cover you for numerous holidays within a 12-month span.

Multi-trip insurance can be more affordable overall, but you’ll get the most value out of it if you have consistent travel habits, as you’re effectively paying at a set level for each trip. This means if you want more expensive features for just one trip—say, cover for your laptop while travelling or to go scuba diving—the increased premium is applied across all your travel for the year.

You’ll usually need to set the maximum duration for the trips you plan to take ahead of time, with most policies allowing for 60-day holidays and a few up to 90 days. You’ll also need to select the countries you’re likely to travel to in the year, as insurance companies need to assess the risks involved with each destination.

If you’re living it up in retirement and think you will travel often enough within the year to warrant this cover, make sure you don’t exceed the maximum trip length for any single excursion. You won’t be covered by your policy if you extend your trip.

Remember:  some insurance providers only offer multi-trip policies to travellers under 75, so be sure to check you qualify.

What is a pre-existing medical condition?

Pre-existing medical conditions can include all manner of illnesses or injuries you know you have when you purchase an insurance policy. These may or may not be covered by your travel insurance, and some insurance providers will want to conduct a medical assessment before agreeing to cover you for these conditions.

I am going on a cruise. Will travel insurance cover me?

Yes, some comprehensive travel insurance policies offer coverage while you’re on a cruise as a standard inclusion. Most other providers will offer this kind of cover as an optional extra for an additional fee.

Olivia Gee is a Sydney-based writer and editor working across personal finance, lifestyle and sustainability. She is an insurance expert with ASIC RG146 Tier 2 Certification to provide general insurance advice. Her work has been published in Time Out, Money magazine and Guardian Australia, among other publications.

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The Daycation program is designed to provide travel training to small groups so that they become comfortable enough with VTA bus and Light Rail service to start using it for their travel needs. Learn more and sign up for Daycation Program .

Travel Wise 101

Travel Wise 101 provides short, prerecorded presentations to introduce public transit to older adults. The Travel Wise presentations  Accessibility , Safety Information & Tips , The Senior Clipper card , Fare Options for Older Adults , and Trip Planning Tools provide information that will help older adults gain the confidence to use fixed route public transit.

Train the Trainer Academy

The Train the Trainer Academy is a free comprehensive training for care providers and senior volunteers that provides a foundation to teach seniors how to safely and confidently use public transportation. Learn more about Train the Trainer and sign up for an upcoming training .

As a safety measure, a VTA bus operator can stop at a location that is closer to your final destination than the regular stop, providing it is along the designated route. This service is available after evening peak hours until the morning rush hour, and is for deboarding only. It is available upon request and will be provided only when and where the operator feels it is safe to pull over.

Related Links

Senior clipper card, accessibility, access paratransit, related documents.

Silicon Valley Transit Users

Senior/Disabled Transit Info

VTA ACCESS Paratransit van. A Dodge Caravan w/ wheelchair lift is parked on the street at night. Van is white with small blue stripes along the fender that flare towards the back. The van's lights are on.

Table of Contents

Discount info for seniors and the disabled, how do i contact vta access paratransit, how do i apply for vta access paratransit service, how do i send a compliment or complaint about vta’s paratransit service, where are access paratransit issues at vta discussed.

Are you a senior and/or a disabled resident in Santa Clara County?  If so, you may qualify for a Regional Transit Connection (RTC) discount card. Eligibility and application information for the RTC discount card is available courtesy of the Santa Clara Valley Transportation Authority ( VTA ).

Back to Top

In Santa Clara County, paratransit is managed by VTA under the “ ACCESS ” brand. As of this writing, the vehicles are maintained and driven by workers from MV Transportation .

Here’s the mailing address for VTA ACCESS paratransit:

Call VTA Customer Service at (408)321-2300 to obtain basic information on VTA ACCESS Paratransit service.

To apply for VTA ACCESS Paratransit Service, call their Eligibility Department at (408)321-2381. Their business hours are from 8am-5pm, Monday-Friday. They are closed on weekends and major holidays. The operator taking you call will give you all the information you need to apply. Read more information on VTA ACCESS Paratransit service .

Direct all compliments or complaints about VTA ACCESS Paratransit service to the above address. In your contact, include FULL details on the incident (like the date, time and full description of what happened), including the driver’s name and vehicle number.

Send a copy or separate letter to VTA’s Chief Operating Officer and to the Silicon Valley Transit Users as well.

Issues regarding paratransit in Santa Clara County are discussed at VTA’s Committee For Transportation Mobility and Accessibility (CTMA) . This committee meets at least six (6) times per year.

If warranted, issues are brought up to the VTA’s Board of Directors for final approval or rejection.

  12 comments for “ Senior/Disabled Transit Info ”

When I call 408-321-2380 voice ask for customer ID number, How to get ID number please.

Iqbal: Call VTA ACCESS Paratransit’s Eligibility Department at (408)321-2381 and ask for an application for the paratransit service. After applying, they will give you the customer ID number you will need to contact their Customer Service directly. –eugene

My mum is 103 years old, she is on wheel chair, she wanna ride with wheel chair in the van. Where to call .

How to I apply for free bus pass disable

Thang: Apply for a discounted-only disabled (RTC) pass here: https://www.vta.org/fares/regional-transit-connection-card or call VTA Customer Service at (408)321-2300 and ask for an application. -Eugene

The link to the RTC discount card is broken. How does a disabled person get a pass for VTA?

Frank: I just updated the page with the correct info on how to get an RTC Discount Card. Here’s the web address where you can apply: https://www.vta.org/fares/regional-transit-connection-card –Eugene

IS THERE A LINK TO GET PICK UP AND DROP OFF TOM DOCTOR VISITS ?

What is a “Tom Doctor” visit that you speak of? Please clarify. –eugene

I have been trying to call transit service for transportation and the numbers that is provided on this website is disconnected . I’m a member and my ID# 201387

Hello! Thank you for commenting and informing us on what’s going on. This page will be revised, as paratransit is now known as VTA ACCESS. Call their Customer Service number at (408)321-2380.

Eugene Bradley Founder, Silicon Valley Transit Users

How to apply disable free pass for VTA

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Travel prepared with RACV Travel Insurance

Tourists in Rome at the Roman Forum

Alice Piper

Posted November 30, 2021

International travel looks significantly different than it did in 2019 – Here’s how RACV Travel Insurance can help protect you when travelling overseas.

The last two years have shown that when travelling during a pandemic, we need to be prepared for our plans to change with a moment’s notice.

Things like government border closures, lockdowns, quarantine requirements and the Do Not Travel Warning list mean flexibility is key when it comes to booking a holiday, as well as protecting ourselves from things like travel-related financial loss.

Comprehensive Travel Insurance has been a vital part of consumer travel protection for some time. However, the height of COVID-19 in Australia, which forced the cancellation of almost all travel bookings, not only highlighted the importance of protecting holiday plans with Travel Insurance, but the need for these policies to evolve to meet new consumer needs and a dynamic travel environment.

And while fully vaccinated Australians are free to travel overseas from November 1 st , 2021 without an exemption, Travel Insurance is now more important than ever – particularly upgraded policies designed to better protect travellers during the pandemic.

RACV EGM Leisure, Craig Peachey says that while consumers may be cautious to book international travel in the age of COVID-19, they can do so with more confidence thanks to RACV Travel Insurance which now includes limited COVID-19 benefits.

“RACV Travel Insurance’s new COVID-19 benefits are designed to give consumers a level of protection and added peace of mind to book and enjoy international travel." “Overseas travel is intrinsic to the Australian way of life and many have missed the thrill of discovering new countries, cities and cultures. We’re excited to help more travellers realise their dreams and achieve their bucket lists through the RACV Travel Insurance upgraded Comprehensive and Domestic plans.” 

Best of all for those keen to jet off, RACV Members currently receive 15% off RACV Travel Insurance . Discover RACV Travel Insurance COVID-19 benefits below and visit RACV for more information.

Family walking along the beach in the South Pacific

Walk along the beach in the beautiful South Pacific and rediscover the world.

RACV Travel Insurance Covid-19 benefits

The cover includes an # unlimited dollar value benefit of overseas hospital and emergency expenses if:

  • You're diagnosed with COVID-19 during your trip and need to quarantine and/or are hospitalised.
  • Your travel companion is diagnosed with COVID-19 during your trip and your travel is disrupted.

There is also a cancellation benefit of # $3,500 per insured adult on the highest level of cover if:

  • You need to cancel your trip before you leave because you’re diagnosed with COVID-19.
  • You need to cut your trip short due to your diagnosis of COVID-19.
  • You need to cancel your trip before you leave because your relative is hospitalised with COVID-19.
  • If you are a health care worker and your employer cancels your trip to attend a COVID-19 emergency.

RACV Travel Insurance also offers limited cover for additional expenses, pets, special events and travel delay, as well as some additional benefits that apply to Australia and New Zealand only.

There are a number things to consider if you’re looking to book an overseas travel experience, like border settings, quarantine requirements, airline requirements, local rules in your destination country and whether it requires compulsory insurance cover – all things that can change at short notice.

So before you book your long-overdue overseas travel,  do your research  into your destination country and what the travel requirements are, and read the  RACV Travel Insurance policy and consider if this is the right cover for you.

RACV Travel Insurance can help give you the confidence to travel overseas. Discover more →

Disclaimer: # Limits, Sub-Limits, Terms and Conditions and Exclusions may apply.

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.

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What Is the Senior Companion Program and How Can You Get Involved in the SF Bay Area?

The expansion of our senior population in the coming decades means new challenges for supporting each individual with their needs and their personal goals in later life. It also means new opportunities as these aging adults look for fitting ways to stay involved and serve their local San Francisco Bay Area communities. With a wealth of life experience and an investment in aging healthfully and vibrantly, seniors themselves may be an invaluable support system to help meet some of the challenges of the growing senior demographic. Along with the revolutionary programs, services, and resources that are laying the foundation for more and more seniors to age in place and preserve their independence for as long as possible , older adults who want to play a dynamic role in the Bay Area community can offer the essential services of compassionate friendship and patient assistance. Senior Companion Programs are helping to connect these older adults and those who can benefit from the assistance. Not only are aging adults receiving well-rounded support in this way, but powerful friendships and wider connections are also being forged.

What Is the Senior Companion Program?

The Senior Companion Program is a governmental initiative that pairs volunteers 55 years of age and older with aging adults and adults living with disabilities who need support with everyday tasks and, of course, companionship. Volunteer companions serve for 15 to 40 hours each week and receive a tax-free stipend (if they qualify as low-income), training, and supplemental insurance for their service. The program is a branch of Senior Corps, a US government agency dedicated to supporting the comprehensive health and dignity of America’s senior population. The Senior Companion Program is run by local organizations in the Bay Area and around the country.

Depending on each person’s needs, senior companions may help with household chores, grocery shopping, bill pay, transportation, doctors visits and other appointments, and offering friendship and socialization —at no cost to participants. This assistance can go a long way toward helping seniors stay in their homes and remain independent, and it gives the volunteers a meaningful occupation and an additional source of income. For everyone involved, the program helps to build connections and community.

The Benefits of Having Senior Companion Care

The benefits are wide-reaching for those who receive senior companionship and for their families and caregivers. For those who are affected by disabilities, physical or mental illness, cognitive impairment, vision or hearing impairment, lack of transportation, isolation, or other concerns, home companion services can help take care of a range of tasks that make living at home more possible, more comfortable, more enjoyable for those aging in place. Some of the benefits include:

  • Respite care. This service allows caregivers to take a break for self-care or to handle other responsibilities.
  • Completion of tasks such as running errands, grocery shopping, and light housekeeping. This helps ensure an aging adult and/or their caregiver aren’t facing an overwhelming number of chores.
  • A lookout for safety hazards around the house, emerging health challenges, or potential elder abuse. Whether the aging adult lives alone or has a regular caregiver, a senior companion can offer a fresh perspective to spot issues that might put an older adult at risk.
  • A friend who can sit with an aging adult and talk to them. Especially if the person aging in place faces periods of isolation, this companionship can help to brighten their mood, keep their mind active, and bring them compassion and purpose as well. Perhaps having a senior companion will also encourage them to be more active and to expand their horizons in other ways.
  • An advocate at medical appointments and on the phone with other service providers. A senior companion can promote their friend’s interests, relay pertinent details, and help them organize related documents.

Those who participate in the program and seek assistance will be paired up with a local volunteer who will understand the particular challenges of older adults in the area, as well as the resources available to improve their quality of life.

The Benefits of Becoming a Senior Companion

The volunteers who take part in the Senior Companion Program also experience diverse benefits that are both practical and personal. They are thoroughly supported in their companion responsibilities and offered some additional advantages to benefit their own quality of life, including:

  • A small stipend that is tax-free if they qualify as low-income. While not a very large amount, this extra income can make a difference for retired seniors who have little to live on.
  • Training before and during their time giving senior companion care so volunteers will feel prepared and empowered to serve and offer the best of their skills and care.
  • Expense reimbursement for travel costs, meals, and other necessary expenses during the time of service so a volunteer doesn’t need to give more than their time and attention.
  • Supplemental insurance while a volunteer is on duty includes personal liability and accident insurance and excess auto insurance when necessary.
  • An annual physical medical exam to be given before a volunteer starts their companion assignment and then once a year while they participate in the program.
  • A way to stay active physically and mentally.
  • A meaningful occupation so volunteers can give back to the community and feel a sense of productive purpose.
  • Social connections with those in their care, as well as other volunteers and members of the community that they meet through their work in the program.

For many in the program, the friendships they make endure and brighten their lives. Volunteers are recognized as important community partners , and they set a remarkable example of the compassion and productive services that our aging population needs.

How to Get Involved in Senior Companion Services in the Bay Area

If you are interested in getting involved with the Senior Companion Program or finding out more, you can reach out to Felton Institute at (415) 751-9786.

This program is just one of many opportunities for care and companionship in the Bay Area: comprehensive home care is also available for older and disabled adults. And, of course, there are other exciting opportunities to volunteer and support Bay Area seniors by offering your own unique knowledge and skills. Through programs like these, we can reverse the trend of isolation among older adults and promote support and respect for all of our loved ones and neighbors in every stage of life.

For any questions about the various services available for older adults and caregivers in the SF Bay Area or about how you can get involved, contact Institute on Aging today .

Institute on Aging

Institute on Aging

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Discover effective communication strategies for interacting with individuals with dementia. Join us on March 21st at Institute on Aging`s Enrichment Center for a free talk by the @alzassociation. Visit the link in our bio to register! #dementiaawareness #communicationstrategies

racv travel insurance seniors

In celebration of Women`s History Month, we at Institute on Aging honor the incredible contributions of women throughout history. From trailblazers of the past to present-day change-makers, we recognize the impact women have had on our world. #WomensHistoryMonth #WomenTrailblazers #IOA #InstituteonAging

Institute on Aging recently hosted a fantastic Professional Mixer the day after Valentine`s Day. We welcomed numerous community partners who joined us for a night of fun, connection, and enrichment. Together, we explored how to better support and collaborate on future initiatives that benefit our aging population and network with like-minded individuals. We want to extend our heartfelt thanks to everyone who made this evening of community partner connection a remarkable success. 💘 #InstituteOnAging #ProfessionalMixer #CommunityConnection #IOAValentine

💕 Happy Valentine`s Day! 💕 Love knows no age at Institute on Aging. Today, we celebrate the love and compassion shared by our caregivers, staff, and clients. Spread love and kindness, tag someone who touched your heart. Let`s make this day brighter! ❤️ #ValentinesDay #LoveKnowsNoAge #SpreadLove #InstituteOnAging

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IMAGES

  1. Travel & Holiday Insurance for Seniors Australia

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  2. Travel & Holiday Insurance for Seniors Australia

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  3. Travel & Holiday Insurance for Seniors Australia

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COMMENTS

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  3. Travel & Holiday Insurance for Seniors Australia

    For copies, visit racv.com.au. 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. 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.

  4. Travel Insurance Quotes Online

    Seniors Before setting off to explore new parts of the world or visit the grandkids, it's important you choose the right travel insurance to suit your holiday. ... 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. 13 13 29. Travel ...

  5. International Travel Insurance Quote

    The Excess You choose will either increase or reduce your Premium. The Plan Type you select has the following Excess ranges: Single Trip International policies $0, $100, $250, $500 or $1,000. Annual Multi-Trip policy is $0, $100 or $250. Domestic $0 or $100. Your Excess will be shown on your Certificate of Insurance.

  6. RACV Travel Insurance

    How to make an RACV Travel Insurance claim. You can contact the RACV claims team at 1300 207 387 to start the claim process. Alternatively, the quickest way to make a claim is by using the online ...

  7. Best Travel Insurance for Seniors Guide

    Best Senior Travel Insurance. Allianz Travel Insurance: Best Overall. John Hancock Travel Insurance: Best for Expensive Trips. World Nomads Travel Insurance: Best for Exotic Trips. Travel Guard ...

  8. Best Senior Travel Insurance Of March 2024

    Diamond. $560. Source: Forbes Advisor research of travel insurance sales data. Average costs are based on rates for two different trips for travelers ages 65 and 70, both with CFAR coverage and ...

  9. RACV Traveller Insurance

    Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 ...

  10. Review: RACV travel insurance

    RACV's default excess is $250 on international travel insurance, which can be reduced to $100 or $0 in exchange for a higher up-front premium when the policy is purchased. On domestic-only policies, the standard excess is instead $100, which can be again be lowered to $0 when a higher premium is paid.

  11. Senior Travel Insurance: What to Know

    Here are a select few senior travel insurance options for people 65 and older. 1. Allianz. Allianz offers excellent coverage for travelers over 65. It can help make payments for medical treatments ...

  12. 5 Best Travel Insurance Plans for Seniors (Medical & More)

    This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks. Allianz Travel Insurance: Best Annual Coverage ...

  13. RACV travel insurance. Packages, application, fees and tips

    A word on RACV travel insurance and COVID-19. RACV insurance does include coverage for COVID-19 disruptions including trip cancellations. However, this is only covered by the Comprehensive package. This is limited to AUD$6,000 in hospital fees, AUD$20,000 in funeral expenses, and a combined AUD$3,500 in cancellation fees, lost deposits, travel ...

  14. Best Travel Insurance for Seniors in March 2024

    Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...

  15. RACV Travel Insurance Review

    Domestic Travel Insurance: this type of domestic travel insurance policy offers cover for lost luggage, cancellation fees and deposits, travel delays and any travel agent fees. RACV also offers domestic travel insurance for seniors. Annual Multi-Trip Insurance: planning a few international or domestic trips across 12 months? This policy is ...

  16. Holiday Insurance

    For copies, visit racv.com.au. 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. 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.

  17. PDF Travel Insurance

    Tokio Marine & Nichido is a part of the Tokio Marine Group, a global insurance group operating in 46 countries with over 40,000 employees. About RACV RACV (Royal Automobile Club of Victoria Limited) (ABN 44 004 060 833 AR 001243563) wants You, Your family and loved ones to be safe when You travel. The first priority is to members.

  18. RACV Travel Insurance reviews

    Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS. 4.6 from 2,222 reviews. Visit Official Website. RACV Travel Insurance (Travel Insurance): 3.5 out of 5 stars from 443 genuine reviews on Australia's largest opinion site ProductReview.com.au.

  19. Best Travel Insurance in Australia for Seniors

    The comprehensive travel insurance offering from Cover-More is a suitable option for seniors (up to 99 years of age) seeking the peace of mind that cover for pre-existing medical conditions can ...

  20. Travel Insurance Quotes

    According to the Seniors Travel Research Insights 2022 report, many seniors are still wary of COVID related safety threats, with less than 1 in 5 (18%) taking their last 'big' holiday within the last year. Around 2 in 3 seniors have not had a 'big' holiday for 3 years or more. In the report, 9 in 10 seniors stated that they would never ...

  21. Senior Program

    VTA is committed to providing services that meet the needs of the senior community, take seniors where they want to go and make the experience pleasant. Senior Mobility Guide The Senior Mobility Guide is arranged in sections that provide information on public transportation, local shuttles, community and private transportation services, driver safety resources, fitness, and community ...

  22. Senior/Disabled Transit Info

    To apply for VTA ACCESS Paratransit Service, call their Eligibility Department at (408)321-2381. Their business hours are from 8am-5pm, Monday-Friday. They are closed on weekends and major holidays. The operator taking you call will give you all the information you need to apply. Read more information on VTA ACCESS Paratransit service.

  23. Travel prepared with RACV Travel Insurance

    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.

  24. What Is the Senior Companion Program and How Can You Get Involved in

    The expansion of our senior population in the coming decades means new challenges for supporting each individual with their needs and their personal goals in later life. It also means new opportunities as these aging adults look for fitting ways to stay involved and serve their local San Francisco Bay Area communities. With a wealth of life experience and an investment in aging healthfully and ...

  25. PDF Get a ride to your doctor's office

    H5050_1221673291_M Get a ride to your doctor's office — at no cost to you This benefit gives you and a companion non- emergency rides within our Medicare Advantage