Travel Insurance for Senior Citizens

Travelling in your 60s? Here’s Why Senior Citizen Travel Insurance is Important

Travelling as a senior citizen brings with it a range of inherent challenges and risks which can be stressful if not planned properly. One of the best ways to mitigate such risks and the financial losses and inconveniences arising from them is to get a suitable senior citizen travel insurance policy.

These are dedicated travel covers customised for the tailored needs of senior citizens travelling in their advanced age. Unlike usual travel covers, these are specialised policies with additional coverage benefits that make travelling easy for people in their old age. Take a detailed look at everything to know about international travel insurance for senior citizens in India.

Understanding Senior Citizen Travel Insurance

A senior citizen travel insurance India policy is a type of travel cover that provides coverage benefits related to various travel risks possible while on the journey. The top coverage benefits under these policies include the likes of medical emergencies, specified pre-existing conditions, cashless hospitalisation cover, etc.

Policy benefits also extend to reimbursements related to trip delays/interruption/cancellation, loss/damage/delay in receiving checked-in baggage, coverage for loss of passport, and the like. These policies can be either standalone coverage options for a single trip or a policy that covers multiple trips during the agreed term. Claims under the policy are in the form of reimbursement, cashless claims, compensation, virtual support, etc.

Who Should Consider Senior Citizen Travel Insurance

Travel insurance is a consideration that senior travellers must make based on their purpose of visit. Below are given the top types of senior citizen travellers who should consider availing a seniors travel insurance policy.

Leisure travellers

Senior citizens travelling for leisure must keep themselves covered with the best travel insurance plans for seniors that provide necessary protection against various financial and non-financial losses.

Parents visiting their child abroad

Getting travel insurance coverage is also advisable for senior citizen parents who are visiting their child studying abroad. Even though for a short duration, these trips come with their inherent risks and must be adequately covered for mitigation of possible losses.

Retired couples exploring new destinations

As retired couples exploring new destinations, senior citizens must avail suitable overseas travel insurance for seniors coverage as individuals or collectively. Under the latter, such a policy provides collective benefits at an affordable premium cost.

Senior pilgrims

For senior pilgrims too, travel insurance for older people is a must-have to ensure their peace of mind and focus on the pilgrimage rather than the travel risks involved.

How Does Senior Citizen Travel Insurance Work?

The working of international travel insurance for seniors is simple. Check out the step-wise process of this insurance policy’s working.

1. Once you have purchased your old age travel insurance policy, the coverage activates on the commencement of the covered trip.
2. During the covered trip, any occurrence covered under the policy is supported by possible claims.
3. If incidents like medical emergencies occur or the passport is lost, claims can be made under the applicable claim type. For instance, in case of medical emergencies, cashless claims are available, while support towards loss of passport can be availed in the form of helpline assistance related to document reissue.
4. To get your claim, you need to file the claim in the appropriate format, supported by the required documents.
5. Once the claim is filed, approval of the claim in the form of reimbursement, compensation, support, etc., can come through after due verification.

The claim process is simple for making travel insurance for elderly claims.

• File your claim with the appropriate form fill-up.
• Support it with the necessary documents uploaded.
• Receive claim after due verification.

You can file your claim either via email, through the insurer link or via a call from your registered mobile number.

There are no specified eligibility requirements for availing travel insurance for over seventies except minimum health and fitness and medical declaration/tests.

What Makes a Senior Citizen Travel Insurance so Important?

Some top reasons that make travel insurance for senior citizens travelling to their dream destinations so important are listed below -

• Coverage under the policy is available for medical emergencies like accidents or illnesses while on the trip
• Emergency travel assistance is provided during specified inconveniences
• Cashless hospitalisation facilities are available for convenience
• Medical evacuation is provided in case of permanent partial disabilities
• Coverage benefits like repatriation of remains in case of unfortunate demise are also available
• Emergency cash availability in case of theft or cash emergencies
• Coverage towards dental care is available if needed
• Trip delay, cancellation or interruption-related losses during the journey are covered
• On-trip assistance related to the loss of important documents like a passport

You may also look for travel insurance for seniors with heart conditions and such specialised benefits for adequate coverage. Note that travel insurance for over 70s may not be available with GoIbibo.

Top 5 Countries where Senior Citizen Travel Insurance is a Must

Check out this list of the top 5 countries in which it is recommended to avail of senior citizen travel insurance when visiting.

Australia

Australia is a hot travel destination, typically for senior citizens, because of its varied topography across endless plains and a slow life worth exploring. When visiting the country at an advanced age, it is essential to carry travel insurance for senior citizens Australia for a number of reasons, like high medical costs, navigation of a new medical system, ease of cashless claims, etc.

Canada

Canada is one of the top overseas travel destinations for senior citizens. As such, getting travel insurance for seniors till 70 Canada for visiting this country is essential for keeping a travelling old person protected against possible travel risks in the country. When seeking travel insurance for seniors over 70 Canada, you might not find one with GoIbibo.

Singapore

As a top destination for travellers from India, Singapore is also a popular overseas travelling choice for senior citizens. Nevertheless, travelling to this country comes with its share of travel risks, which only get magnified for senior citizens, requiring suitable travel insurance for senior citizens Singapore.

New Zealand

New Zealand, although a hot overseas travel destination, is known for its set of challenges and risks which may transmute to the traveller if not covered with an adequate travel insurance policy. For senior citizens, this risk only increases, requiring adequate seniors travel insurance New Zealand policy coverage for risk mitigation and reduction of financial losses that may arise.

The UK

Visiting the United Kingdom is certainly a thing among senior citizens, most of whom have experienced the British elegance themselves back in time. To make an overseas trip to the UK more fulfilling, it is wise to back it up with suitable travel insurance for seniors visiting UK.

Other top overseas destinations and related policies include travel insurance Malaysia senior citizens, senior citizen travel cover for Germany, the USA senior citizen travel insurance policies, etc.

Senior Citizen Travel Insurance Inclusions & Exclusions

Here are some top inclusions that you might look out for when purchasing a senior citizen travel insurance cover.

1. Expenses towards on-trip medical emergencies
2. Daily allowance during hospitalisation
3. Medical emergency evacuations/repatriation of remains
4. Personal accident cover
5. Losses sustained due to trip curtailment
6. Loss or delay in receiving checked-in baggage
7. Coverage in case of home burglary while on the trip
8. Loss of passport and such important documents
9. Compensation towards trip delays
10. Coverage for hijack risks

While the inclusions are extensive for senior citizen travel insurance policies, you must know about the applicable exclusions too. Following are some top ones.

• Any pre-existing medical condition (travel insurance for seniors with pre existing medical conditions only under exceptions or for specified illnesses)
• Expenses incurred as a part of routine medical examination
• Medical expenses incurred after the expiry of the policy term
• Self-inflicted injuries
• Venereal diseases/illnesses due to drug consumption, intoxication, etc.
• Hazardous manual work causes suffering
• Suffering due to exposure to needless perils
• Cost of alternative medical treatments

Is a Medical Test Required Before Senior Citizen Travel Insurance? (Additional)

A medical test is not a mandatory requirement before purchasing a senior citizen travel insurance policy with most insurers for individuals under a certain age limit. However, age is an important factor for consideration when going for a travel insurance purchase. As such, a declaration of health conditions along with the medical history declaration is required to ensure the traveller is fit for the trip and does not require emergency medical assistance for the journey.

Especially, in the case of underlying health issues, such conditions must be declared at the time of policy purchase. Such clear and honest declarations of health conditions not only decrease the chances of claim rejection due to test insufficiency but also help find the right coverage benefits.

Further, in the case that it is better to avail of insurance policies that require mandatory medical tests as honouring the claim and reimbursement in such a case gets prompt responses.

Buying Senior Citizen Travel Insurance in India via GoIbibo

You can now easily purchase a travel insurance policy for senior citizens online in a few steps. The following are the steps to complete for an effortless senior citizen travel insurance policy purchase with GoIbibo.

1. Visit the official app or website of GoIbibo and navigate to the ‘Insurance’ page.
2. Under this page, open ‘Travel Insurance’ and click on ‘Senior Citizen Travel Insurance’.
3. You can then scroll through the available policies, compare coverage and find the best travel insurance for seniors with pre existing conditions that suit the concerned travel risks.
4. You can also run premium comparisons to find the most affordable policy online and get travel insurance quotes for seniors.
5. Once you have found a suitable travel cover, continue to make the premium payment to complete the policy purchase.

GoIbibo provides a seamless platform for the purchase of travel insurance cover for senior citizens, enabling them to buy in just a few clicks. Claims for these policies can also be made online. Plus, the gateway for premium payment is completely protected, ensuring utmost security. You can also connect with a 24/7 GoIbibo helpline for emergency policy purchase-related assistance if needed.