Travel Insurance Plans on PolicyBazaar#1
- Individuals
- Sr. Citizens
- Students
What is Travel Insurance for Senior Citizens?
International travel insurance for senior citizens refer to specialised health and travel insurance plans for elderly travellers aged 60 years and beyond. Travel health insurance for senior citizens caters to various age-related risk factors that are not covered under standard travel insurance policies.
These policies cover pre-existing ailments, emergency hospitalisation, intensive care treatment, doctor visits, ambulance services, and surgical care. In addition to these, overseas medical insurance for senior citizens protects against baggage loss, flight delays & cancellations, passport loss, and dental emergencies.
Fast Fact: Senior Citizen Travel Insurance India
| Categories | Specification |
| Eligibility | 60 years and above (Up to 99+ years with no upper age limit) |
| Coverage | Worldwide (Including USA, UK, Canada, Schengen Area, and Asia) |
| Features | Medical and Hospitalisation Expenses, Travel Assistance, Luggage Delay and Loss, Passport Loss, Flight Delay, Flight Cancellation, Medical Evacuation, Repatriation |
| COVID-19 Coverage | Provided |
| Optional Add-Ons | Home Burglary Insurance, Pre-existing Diseases Cover |
Why Choose Senior Citizen Travel Insurance?
Modern seniors are actively exploring global destinations, visiting their family abroad, and embarking on international vacations. However, foreign healthcare costs can be exorbitant without proper coverage. International travel insurance for senior citizens in India acts as a vital safety net against high overseas medical bills.
Elderly travellers can travel safely thanks to comfortable airlines, better amenities, and reliable travel health insurance for senior citizens that keeps them safe. These plans cover their specific needs and common age-related health concerns that put them at greater risk.
Seniors as old as 99 can buy these plans, depending on their needs and insurer. If you are a senior planning a trip abroad to explore the world or spend some time with your children settled abroad, international health insurance for seniors covers several unexpected expenses due to medical and non-medical emergencies.
Country-Specific Coverage for Seniors
Finding the right plan starts with the destination you want to be protected in. Especially in the case of seniors, expenses in western countries can be 10 times more expensive than in India. United States of America and United Kingdom are among the most destinations for Indian parents travelling abroad. But these two countries also demand the best policy for their travel.
The United Kingdom is one of the most visited destinations for Indian seniors. Healthcare under the NHS can be expensive for non-residents. Getting dedicated travel insurance from India to UK for senior citizens guarantees access to private hospital networks, emergency GP consultations, and coverage for unexpected flight cancellations or lost baggage along the route.
Medical treatment in the United States is among the costliest in the world. Buying travel insurance from India to USA for senior citizens is essential before flying. Policies offering medical insurance for senior citizens travelling to usa provide high sum-insured choices (ranging from USD 50,000 to USD 500,000) to protect against expensive ER visits, ICU stays, and senior citizen travel insurance USA claims.
Things to Consider When Buying Foreign Travel Insurance for Senior Citizens
When selecting travel insurance for senior citizens India, keep these crucial criteria in mind:
This is the most important criterion for deciding which plan to buy. Most insurance companies provide a break-up of the sum insured (SI) 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.
Most foreign travel insurance for senior citizens don't require medical checkups if they are below a certain age. If pre-policy tests are required and you have underlying health issues, you must get them. 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 honour the claims and reimburse the insured senior citizens more promptly.
When buying travel insurance for above 60 years old or above, declare all your pre-existing illnesses as many policies don’t cover them. However, some travel health insurance for senior citizens offers some coverage for pre-existing conditions under life-threatening scenarios.
Exclusions are certain scenarios or conditions that are not covered by your policy. Make sure to check what is not covered before you buy travel insurance for elderly parents.
Features of International Travel Insurance for Senior Citizens
Made for those who won't let their age stop them from exploring the world, take a look at some of the features of travel insurance for elderly travellers:
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24/7 Global Travel Assistance
Exploring a new place can get tricky sometimes, especially for senior travellers. Dedicated helplines assist elderly travellers so they can easily navigate their way during an emergency.
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Affordable Plan Options
Find cheap senior citizen travel insurance plans online that balance budget needs with comprehensive emergency protection.
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Comprehensive Emergency Care
International travel insurance for senior citizens will take care of every health-related emergency, including hospitalisation, dental emergencies, evacuation and repatriation.
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Personal Liability Protection
If the senior citizen is involved in an accident resulting in the loss of another person's property or causing them bodily harm, then the insurer will take care of the required expenses.
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Baggage & Passport Loss Support
Financial compensation for lost, stolen, or delayed checked-in luggage and emergency replacement costs for lost passports.
What Does Senior Citizen Travel Insurance cover?
Covered in policy
Emergency Medical Expenses
Covers medical expenses incurred by the senior traveller while abroad due to an unforeseen emergency. Includes minor or major medical emergencies and cover risks from injuries and illnesses resulting in hospitalisation. Some policies also cover declared PEDs.
Medical Evacuation Expenses
Covers costs to transfer the insured senior to the nearest medical facility or back to India.
COVID-19 Related Expenses
Most plans will coronavirus-related treatment, quarantine and hospitalisation abroad. Some policies also provide trip cancellation or curtailment benefits if caused by COVID-19.
Dental Treatment
This helps the senior citizen to get reimbursement for costs incurred in case of a dental emergency abroad.
Flight Cancellation/Delay/Missed Flights
Help the senior citizen get reimbursed for any additional costs incurred due to cancelled or delayed flights or in the event of a missed flight.
Baggage Loss
An elderly’s person baggage may contain medications and other healthcare and wellness aids, the absence of which would affect their daily lives. Most insurers recognise this problem and provide reimbursement for any baggage losses suffered by a senior citizen.
Trip Cancellation/Interruption/Delay
Offers reimbursement for emergency trip cancellations and interruptions.
Home Burglary Cover
Many travel insurance for elderly provide this cover against any burglaries at home while they are abroad.
Not Covered in policy
Like other travel insurance plans, there are some cases where travel health insurance for senior citizens won't provide any coverage benefits:
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Expenses due to to undisclosed pre-existing diseases
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Suicide or intentional harm to themselves
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If travelling against the advice of your physician
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Routine checkups abroad
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If the insured has been given a terminal prognosis for their medical condition
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Injuries and loss caused due to the influence of drugs, alcohol and other intoxicants
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Loss caused due to involvement in illegal activities, theft, felony, etc.
Senior Citizen Travel Insurance Claim Process
Unfortunately, if you are in a situation where you need to raise a claim, then the process is pretty simple. You can file a claim through Policybazaar.com or directly through the insurer:
Filing a Claim Through Policybazaar
You can initiate a claim via:
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WhatsApp / Phone Support: Call toll-free at 1800-258-5881
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Email Support: Write to travelclaims@policybazaar.com
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Online Portal / App: Log in using your mobile number or policy details.
Filing a Claim Through Insurer
Most insurers have one of the following ways to initiate a claim process under travel insurance:
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Customer helpline (Generally toll-free)
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Insurer's email
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Mobile application
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Insurer's website through policy number or mobile number
Documents Required for Senior Citizen Travel Insurance Claim
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For Medical Claims: Claim forms, Original admission/discharge card, if applicable, Original Bills, Receipts, Prescriptions and Reports, Copy of passport/visa with entry & exit stamp, Personal ID Proof.
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For Baggage Loss: Claim forms, Property Irregularity Report (obtained from the Airline), Copies of correspondence with the airlines confirming the loss, Approximate cost of lost items, Copy of the passport/visa with entry & exit stamp, Personal ID Proof.
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For Trip Cancellation: Claim forms, Medical reports of the insured, a companion or an immediate family member, Details of the amount refunded by the common carrier and Hotel, Copy of flight ticket, Copy of passport, Personal ID proof.
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For Trip Delay: Claim forms, Original bills of expenses incurred during the period of delay, Copy of ticket & boarding Pass, Copies of Correspondence with the airline authorities certifying the delay, Copy of passport/visa with entry & exit stamp, Personal ID proof.
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For Other Claims: Claim Forms, Copy of the passport/visa with entry & exit stamp, Personal ID Proof, Policy Copy, Original bills and receipts and complaint copies, etc.
Helpful Tips for Raising a Claim
Senior citizens can also get additional support overseas as the insurers understand that not all of them may be tech-savvy or in a condition to file a claim. Keep these in mind if you ever need to file a claim.
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As soon as you purchase a policy, make sure to check the available means of claim initiation and keep your policy number handy.
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You must inform your insurer of an emergency as soon as possible.
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When you're in a situation, inform the local authorities and your insurer through their emergency helpline. Remember to keep all the relevant documents with you when you contact the insurer.
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For cashless hospitalisation and personal liability claims, you must first get approval of your insurer. Make sure to contact your insurer, who will contact their partner networks to help resolve your claims once all the documents have been assessed.
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If you're filing for a claim through reimbursements, then this can be done when you're back in India. All you need to do is submit the relevant documents, which the insurer's administration team will process. Once these are accepted, you will be reimbursed for your claim.
How to Choose Travel Insurance for Seniors over 70
All travel insurers give detailed information on their websites as mandated by the Insurance Regulatory Authority of India (IRDAI). However, most of this information is technical and generally complicated to understand. While buying travel health insurance for senior citizens, ensure that you:
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Compare and review at least 3 to 4 policies before finalising one. You can use a comparison website and call the insurance agents. You can also contact your insurer's customer care numbers to get specific details to make plan comparisons easier.
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Get all the necessary information, including covers, sub-limits, exclusions, cashless hospitalisation, etc., on the policies shortlisted.
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Ask the relevant questions on how the process will work in case a claim is to be filed. Also, ask how the insurer can help you abroad. Some holiday insurance for elderly also provides facilities such as concierge services, cashless hospitalisation, international SIM cards to make calls, etc.
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Get all the specific details on documents, reports, etc., required to file a claim. This will ensure that all documents are ready if you are hospitalised or treated in a foreign hospital.
Why Buy from Policybazaar?
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Wide Variety of Plans
Compare top policies offering senior citizen travel insurance india options side-by-side.
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Transparent & Unbiased
View direct feature comparisons, sub-limits, and exclusions with complete transparency.
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Instant Online Savings
Save time and money by purchasing directly online without agent commissions or physical paperwork.
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24/7 Dedicated Claims Assistance
Receive end-to-end support from Policybazaar's dedicated claims assistance team anywhere in the world.
Travel Insurance for Senior Citizens: FAQs
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Q: Will travel insurance for elderly cover passport loss?
Ans: Yes, loss of travel documents, including passport, is covered by most senior citizen travel insurance policies for holidays. There are a few exceptions to circumstances, such as losing your passport due to your negligence or if customs officers are seizing your passport due to legal reasons. -
Q: I am 74 years old. Can I buy a senior citizen travel insurance plan?
Ans: Yes, you can. Most plans offer international travel insurance for seniors over 70 and cover travellers up to 99 years of age. -
Q: What is the oldest age for travel insurance?
Ans: Most international travel insurance for senior citizens cover individuals up to 99 years of age. However, the upper age limit varies from insurer to insurer, and many travel health insurance plans for senior citizens have no upper age limit. -
Q: Where can I buy travel insurance from India to USA for senior citizens?
Ans: You will easily find travel insurance for elderly travellers online on Policybazaar.com. -
Q: Is there any travel insurance for above 80 year old travellers?
Ans: Yes, most insurers offer travel insurance for elderly travellers above 60 years with no upper age limit. -
Q: Is it worth buying travel insurance for above 70 years old travellers?
Ans: Absolutely! Travel insurance for seniors over 70 is essential. They have a higher risk of falling sick or needing assistance in emergencies abroad. Travel insurance for elderly travellers is specially designed to provide them with the necessary coverage.
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