Have fun no matter what your age is. Senior citizen travel insurance is your best friend if you plan to travel during your golden years. It is tailored especially for senior citizens over 60 and their travel plans. But there’s a point to be noted that different travel insurance companies have different age limits for travel insurance for senior citizens. Hence, you need to talk to them before you buy travel insurance.
Travel insurance for senior citizen covers age and health-related risks that a general travel insurance policy may not cover. These travel insurance policies provide many medical and hospitalisation benefits and safeguard against the recurrence of pre-existing diseases and illnesses. Doctor visits, emergency medical transportation, coverage for lost luggage, critical care units, and surgery, among many other services, are included in it.
What are the Features of Senior Citizen Travel Insurance?
These are a few of the major features of the senior citizen travel insurance plan -
Affordable
A general insurance company in India offers plans with several variations to meet the travel needs of elderly folks. These covers are quite affordable because you can choose and customise the plans according to your needs. You have several options available, from which you can pick the one that best meets your needs.
Travel Assistance
International travel insurance provides extensive travel help and is a crucial feature of a senior citizen’s travel insurance. The elderly are required to receive much-needed assistance from the service providers so they can handle any situation with ease.
Protection Against Illness and Accidents
Taking care of one’s health is one of the top priorities for any travelling person, especially for older adults. If your older parents are ill in a foreign land, it can be difficult for them to cope with the issues without any familiarity with the services and medical infrastructure. Senior citizen travel insurance policies usually cover a wide range of medical crises, including those related to pre-existing conditions, in addition to evacuations, hospital stays, and repatriations.
What are the Types of Coverage Offered Under Senior Citizen Travel Insurance?
Here are a few coverages that insurance companies offer under travel insurance for senior citizen -
Personal Liability Coverage
In a circumstance where a senior citizen is involved in an accident or incident that causes injury or loss to a third party's property or life, the insurance policy will pay for it.
Baggage Loss or Delay Cover
This is one of the most common problems faced by tourists while travelling abroad. If your older parents are travelling and their luggage gets misplaced, lost, or delayed, it creates havoc for them. Hence, a senior citizen insurance plan will assist you in getting reimbursed for a portion of the price of your luggage.
Global Assistance
Some insurance providers have branches globally, which makes it easier for senior citizens to file a claim in case of an emergency. They provide all necessary assistance. Also, some insurers have network hospitals all over the globe, which can be beneficial in case of any medical emergency.
Emergency Medical Expenses
Medical emergencies could involve serious or minor crises, illnesses, injuries, or even fatalities. If the patient’s condition gets much worse, some insurance providers also offer emergency medical evacuation.
Dental Coverage
The plan covers and reimburses any costs incurred as a result of visiting a dentist abroad. Some insurance providers do not consider it primary cover but an add-on benefit.
Reimbursements Cover
A senior citizen insurance policy provides coverage against additional costs incurred due to a flight delay, cancellation, or absence. It is quite similar to individual travel insurance plans. It also offers coverage for lost or misplaced luggage and compensation for any postponements, disruptions, or cancellations that occur throughout the journey.
Note - It is important to read the terms and conditions of the policy before buying one, as it helps in understanding the inclusions of the policy.
If your older family members want to have a trip, offer them a stress-free trip with the help of senior citizen travel insurance. There are many general insurance companies in India offering travel insurance that best meets your needs for your trip.
