About Travel Insurance for Senior Citizens
With retirement, comes the hope of living second inning of life worry-free. While some may wish to spend their post-retirement period at their homes with their families, others may dream of exploring the world! If you come in the latter category, then let not the hardships encountered in a journey make you complacent about your travel plans. Plan your post-retirement journeys with overseas insurance for senior citizens. Read below what travel insurance for senior citizens covers and how it is beneficial.
What does Travel Insurance for Senior Citizens Cover?
Travel insurance for senior citizens offers comprehensive coverage on international trips to people in their 60s and above. Read further to know the scenarios that senior citizens travel insurance covers:
- Emergency Hospitalisation:In case you encounter a medical emergency while on an overseas trip, the medical travel insurance for seniors will provide financial coverage encompassing expenses for IPD and OPD expenses.
- COVID-19 Coverage: Keeping in mind the adverse effects of Covid-19 on the elderly, the senior citizens travel insurance offers COVID-19 coverage. The plan offers financial cushion so that you enjoy your trip without the fear of the pandemic.
- Personal Accident: Travelling abroad can bring many uncertainties, including accidents. Considering such worries, we cover Accidental Death/Permanent Total Disability requiring urgent and immediate medical attention in our travel insurance for senior citizens.
- Dental Treatment: If any injury is caused to your sound natural teeth or you have any acute pain, do not worry! We cover medical expenses for such dental treatment so you can keep your million-dollar smile intact during your overseas journey.
- Pre-existing Diseases: Travel insurance for senior citizens will cover the treatment of pre-existing diseases in case of a life-threatening condition.
- Common Carrier Accidental Death: A lump sum amount will be paid as compensation if the insured person loses his/her life while travelling in a common carrier/ public transport.
- Trip Delay, Cancellation, or Interruption: If you suffer financial loss due to an interrupted, cancelled or delayed trip under covered reasons, then the senior citizen travel insurance shall cover you for the losses.
- Loss of Passport and Checked-in Baggage: The travel insurance for senior citizens ensures that you get coverage for loss or delay of checked-in baggage if the loss incurred is verified under covered reasons. The plan offers lump sum financial coverage if you lose your passport for specified reasons.
- Up-gradation to Business Class: Don’t worry if a medical practitioner suggests you need immediate medical attention back in your home country. The travel insurance for senior citizens will cover the reasonable expense incurred in the upgradation of an economic class flight ticket to a business class ticket.
- Personal Liability: Travel insurance for senior citizens also covers personal liability if an actual liability is caused under covered reasons. If the insured person’s negligence causes a civil claim or a lawsuit is filed, we help you by covering the financial expenses.
- New Coverage Benefits: We have widened our horizon and offer coverage for Missed Flight Connections/Hijack Distress Allowance/Automatic Trip Extension to keep you at bay from unnecessary stress.
- No Maximum Age Limit: Travel insurance for senior citizens has no maximum age cap. Anybody who is sixty-plus and wishes to travel the world can buy the best senior citizen travel insurance.
- Policy Extension: Worry not if you plan on extending your stay in a foreign land. As your senior citizen travel insurance comes with an option for policy extension for up to 365 days.
- Refund of Visa Fee: We refund your visa fee if your visa got rejected for no fault or negligence. It is an optional cover. Refer to T&C for more details.
- Adventure Sports Coverage: Adventure sports bring excitement and thrill, but at the same time can cause injuries too. We offer adventure sports coverage so that such injuries won't ruin your fun.
- Repatriation of Mortal Remains: We bear the costs of repatriating the insured person's mortal remains back to the home country for local burial or cremation.
Exclusions under Senior Citizens Travel Insurance
Travel insurance for senior citizens is a comprehensive policy that provides essential coverage at an affordable premium. However, the plan also has certain exclusions that you should take note of; before buying the plan.
- Medical treatment taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey.
- Any treatment which could reasonably be delayed until the insured person's return to the country of residence shall not be covered in the travel insurance plan.
- Any dental treatment or surgery unless necessitated due to an injury.
- Circumcision unless necessary for treating an illness or as may be necessitated due to an accident.
- Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects.
- Hormone replacement therapy.
- Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity).
Benefits of Travel Insurance for Senior Citizens
Whether it's for meeting your children, grandchildren, business, or seminars., travelling is exciting and brings new waves in life. Opting for our senior citizen travel insurance plan add more charm to it and gives older people a sigh of relief. Below are some of the significant benefits of buying the best travel insurance for the elderly:
- Comfort:Having travel insurance for senior citizens can help the elderly to travel worry-free. The plan shall be to their rescue during a travel-related emergency.
- Protection in Medical Emergency:The policy provides coverage to help you get immediate medical treatment.
- Compensation Amidst Mishaps:The plan offers compensation to the nominee in case of the insured person's uncertain death.
- Covers you in other Contingencies:Trip delays and loss of belongings and documentation will be handled under the travel plan.
- Cashless Claim Settlement:The cashless claim facility helps the elderly to avail of financial support in times of emergency hospitalisation. The plan ensures that you can get a cashless claim settlement in the network hospitals in the destination country.
- Region-specific Plans:Our travel insurance for senior citizens is region-specific, helping you cross the countries' boundaries and stay there hassle-free.
Travelling to a foreign land in the golden years of your life comes with several uncertainties. Thus, it is always wise to carry your old-age travel companion, that is, international travel insurance.
At Care Health Insurance, our travel insurance can be customised flexibly to meet the unique travel-related needs of the elderly. The plan provides comprehensive coverage at a cost-efficient premium.
How to Buy Best Travel Insurance for Senior Citizens
Buying travel insurance can be tedious for the elderly as not everyone in their 60s is tech-savvy. Thus, to ensure that you do not face any hassles during buying travel insurance, we have suggested the crucial things you should do to buy travel insurance.
It would also be wise to have a young person assisting you.
Step 1: Compare the Plans
Before finalising overseas insurance for senior citizens, compare travel insurance from 4-5 best travel insurance companies. To do so, you can also take the help of insurance agents or call up the customer care number of various companies if any doubt arises.
Step 2: Assess the Best Options
Once you have compared various international travel insurance options and finalised a few plans, move further and assess all the policy terms & conditions. Check out the policy’s coverage, terms & conditions, and optional benefits.
Step 3: Ask the Needful Queries
Make sure there are no loopholes in understanding the policy finalised for purchase. If you have any queries, reach out to your agent or the customer representative of the insurance company and clear all the doubts.
Step 4: Learn the Claims Procedures
Before buying the policy, understand the claims procedure and the documents required to access claims. Do not make the payment until you are well-versed in filing a claim.
By following the aforementioned steps, you can choose/ buy the best travel insurance for senior citizens. Remember, reading the plan carefully and addressing the terms & conditions beforehand can save you from any last-minute surprises.
FAQs on Travel Insurance for Senior Citizens
Q.Why do I need travel insurance for senior citizens?
The elderly in your family are more prone to encounter various infections while travelling out of their comfort zone. Travelling overseas can adversely affect the elderly even through the trivial flu. Thus, to ensure that they have a financial cushion in times of medical emergency, it is important to cover their trips with overseas travel insurance for seniors.
Q.Is there any age limit to buying travel insurance for senior citizens?
At Care Health Insurance, there is no age cap to buy a travel insurance plan.
Q. Which is the best travel insurance company to buy travel insurance for Senior Citizens?
Travel insurance for Senior Citizens from Care Health Insurance is the best plan to choose for several reasons. The plan caters to your unique travel-related needs at an affordable premium along with easy claim procedures.
Q. Do I need to declare pre-existing disease while buying travel insurance for senior citizens?
Yes. if any pre-existing disease inflicts you at the time of buying the policy, you should inform your insurer to avoid being uncovered in a life-threatening condition overseas.
Q. How much does travel insurance cost over the 70s?
Travel insurance for over 70s cost higher. However, other factors, such as travel duration, destination country, pre-existing diseases, etc., are also considered.
Q. At what age does travel insurance become expensive?
Travel insurance becomes expensive for people over 65 years and keeps on increasing as they get older.
Q. Does travel insurance go up after 70 years?
Yes, the premium of travel insurance goes up at age 70 years. It is so because the chances of getting sick and frequent claims are higher for senior citizens.
Q. What is the best travel insurance for above 75 years?
Care offers comprehensive travel insurance for senior citizens above 75 years. It covers their medical and non-medical risks and helps them avail of cashless hospitalization facility in a foreign country during medical emergencies.
Q. Do I need to declare high cholesterol on travel insurance?
If you have high cholesterol, you have to declare it while buying travel insurance.
