Travel Insurance For Senior Citizens

Updated On: 2023-03-29

Author : Team Policybachat

Travel insurance gives coverage against all the costs and losses associated with traveling. It is useful to cover for those who travel domestically or abroad.

Best travel insurance gives you financial coverage in case of trip or ticket cancellations, loss or damage of your luggage or property, theft, emergency return to india, emergency transportation or medical care due to sudden illness during a trip, and so on. Due to all these reasons, travel insurance is as mandatory while going on a holiday or a business trip as tickets and passport.

Senior citizen travel insurance is becoming more and more popular. Considering the different risk factors that govern senior travelers, insurance companies have come up with specific travel insurance policies that cover these citizens and allow them to travel around the world without any worry. However, as with every insurance policy, it is essential to know the details about senior citizen's travel insurance policies before they buy a policy for themselves.

Travel doesn’t have any kind of age limit, so we believe travel insurance shouldn’t either. Our senior citizen travel insurance plans provide cover for individuals above the age of 71, allowing them to travel the world and experience amazing new cultures well into their 80s and beyond. After all, why should senior citizen people leave alone at home?

Our senior citizen domestic travel insurance policy puts the needs and requirements of senior citizens at the spearhead. These policies will cover specific age-related health issues that our regular travel insurance plans won’t. We also have a dedicated helpline number for senior citizens, ensuring that they can get their claims settled as quickly as possible to minimize disruptions on their trip. From delayed luggage to lost passports or being detected with COVID-19, our senior citizen travel insurance plan will be with you at every step of the journey.

We let you follow through with the reference for travel insurance for seniors citizens like reason of high premiums for senior citizens, type of travel policy to choose, and pre-existing health issues, etc.

Key Points to Remember for Travel Insurance for Senior Citizens

Why are Senior Citizen Travel Insurance Policies Expensive?

In recent times, increasing awareness about the importance of travel insurance has led people to take up policies whenever they plan to go for a trip, especially abroad. Besides, the advent of online comparison and purchasing facilities has made the process smoother and faster. However, a small hitch that remains in travel insurance is the process of buying travel insurance policy for senior citizens.

One of the main problems getting travel insurance for senior citizens is that the premiums rise steeply for people above 75 years of age. In addition, the procedure becomes even more complex if the person suffers from any pre-existing chronic ailment. Most of the insurance companies do not even provide travel insurance for old age people and those that do, charge very high premiums. The amount of premium keeps on increasing with the age of the person.

Reason for The High Premium for Senior Citizen Travel Insurance.

Travel insurance premiums for senior citizens are mostly expensive owing to the fact that they are more prone to diseases, bad health, or accidental death and are extremely vulnerable to changing environmental conditions. The risks of medical claims are higher here and are considered to be among the most expensive claim settlements. Although this may be true, yet these travel policies for senior citizens are considered to provide greater benefits than those for the younger age group.

What kind of travel policy should you choose?

In case the senior citizen is a frequent flyer, it is always preferable to go for a multi-trip travel insurance policy as this covers almost all types of risks involved in international travel and is also affordable. Nonetheless, this also has a drawback. The upper age limit for such plans is lower than a single trip. Besides, multi-trip policies for people above 75 years are provided by only a handful of insurance companies in India.

Coverages under Travel Insurance for Senior Citizens

Accidents And Illnesses

Falling sick is always a bad experience, but falling ill abroad is massive. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. A personal accident could lead to a short hospitalization or end up being deadly.

Whatever happens, our international senior citizen travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international senior citizen travel insurance policy will even provide cover for emergency dental services if required.

Handling Pre-Existing Health Issues.

Travel Insurance companies are extremely conscious about cover pre existing diseases health ailments, especially for senior citizens. Hence you need to declare any such diseases to the insurer at the time of buying the policy.

Even if you develop a chronic disease in the middle of the term of an annual policy, you must let the insurer know about it immediately. It is important to realize that if you fall ill in the middle of a trip due to a pre-existing health issue that is not declared in your travel policy, then your claims will not be settled.

Be it a one-month trip or a longer plan, do not forget to get yourself covered with a valid travel insurance policy before starting for your destination. To make the process easy, log on to an online insurance aggregator to compare all the senior citizen's travel plans, select the one suiting your requirements and budget and buy online.

Travel Assistance

Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical emergencies treatment or how to go about applying for a new passport if yours is lost or stolen, our senior citizen travel insurance plan will be there for you.

Baggage Loss Or Delay

If your bag is stolen, lost, or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international senior citizen travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage.

Personal liability and financial emergency assistance

Most senior travel insurance policies provide reimbursement for personal liabilities that may arise during the trip, as well as for any financial emergency assistance that may be required by the senior individual on a foreign trip.

Flight cancellation, delay, or missed flights

Similar to covers in individual travel plans, these help the senior citizen to get reimbursement for any additional costs incurred due to canceled or delayed flights or in the event of a missed flight.

Trip cancellation, interruption, or delay

Most senior citizen insurance plans provide some sort of reimbursement for any cancellations, interruptions or delays in the trip. The policy document generally contains details on what is defined under these specific terms, and you can do well to read the fine print to understand what is covered and what is not under the definitions.

Personal Liability

If you’re involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international senior citizen travel insurance policy will help take care of the cost of necessary medical expenses or repairs.

Compare to get the best travel insurance

Never buy India travel insurance just on the basis of the sum insured or the premium you need to pay. You must also be aware of the coverages that the policies are offering so that you do not land up paying the insurer unnecessarily for coverages that you do not need.

Always compare travel insurance plans being offered by various insurance companies and then purchase the right one. The best place to make a comparative analysis of all available travel health insurance plans is an online web aggregator like

You can log in to the site and chat with insurance experts or call them at 1800 123 4003 to clarify your queries. This is the wisest way of getting the best travel insurance.

In a nutshell, be well informed about the place, duration, and purpose of your journey well before you start looking for a suitable India travel insurance so that you can decide on the correct sum insured that will not only be affordable but also fruitful for you. Compare travel insurance online and get the best.

Details to be Checked and Clarified before Buying the Policy

Now that we know what are the primary covers provided by insurance companies in senior citizen travel insurance plans, let’s look at certain important criteria to decide which plan to buy.

Medical Tests: Some insurers do not need senior citizens to undergo medical checkups if they are below a certain age. Nonetheless, the traveler should ensure that all necessary tests, if required, are complete. This will ensure that there are no chances of the claim being rejected on the grounds of necessary tests not being done.

Also, plans that need mandatory medical tests are better as the insurers are more likely to honor the claims and reimburse the insured senior citizen more promptly.

Sum Assured: This is the most important criteria to decide which plan to buy. Most insurance companies provide a break-up of the sum assured for specific covers. For instance, they will have a limit for medical expenses, another limit for dental care, yet another for baggage loss, and so on.

These are called ‘sublimits’ in industry parlance and limit the amount the insurance company will pay in case any reimbursement is claimed against that particular head. Senior citizens or their families must consider these ‘sublimits’ when they buy a policy.

Renewal: Some insurers do not renew the policy if a claim is made during the policy period. One way to get around this hurdle is to apply for the maximum policy period so that the same policy can continue without the senior citizen losing the claim to additional covers as and when the need arises.

What can travel insurance for senior citizens save you from?

An International travel insurance coverage means a precautionary measure against unanticipated emergencies that you might encounter while traveling abroad. A few situations where India travel insurance gives you financial coverage are charges for medications and hospitalization in case of accidents, loss or theft of your luggage, losing your passport or travel documents, trip cancellation, flight delay, and so on.

How to determine your coverage to get the best travel insurance for seniors citizens?

Before you purchase travel health insurance or any other type of travel insurance, it is important to understand your needs and the factors on which the amount of coverage will depend.

Your destination plays an important role in deciding the size of your cover or the sum insured. Medical cover is the most important feature of travel health insurance and so you should decide the amount to be insured based on how expensive medical services are in the country you are planning to visit. Travel medical insurance cost is more in countries where medical costs are more.

The duration of your stay is also a major factor in deciding the sum insured for your India travel insurance. The longer the stays more are the premium you need to pay on your travel health insurance. That is why, if you are a frequent international traveler, then you should always opt for a Multi-trip international travel insurance plan, which covers any number of trips within a complete year.

Purchasing individual travel insurance policies for each family member traveling with you can be highly expensive and also time-consuming while sourcing the cover.

The last but a very important factor is the reason for your travel. You need to be clear on the activities that you have planned during the trip. If you are planning for just a leisure trip, you can go for a lower amount as it involves lesser risk while if you are planning for adventure activities, the sum insured should be more as it involves a lot of risks.

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