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Best overseas travel insurance for Senior Citizens above 80 years

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Tata AIG Travel Insurance

Find the best Indian senior citizens travel insurance

Indian overseas travel insurance plans for seniors aged above 80 years. These seniors above 80 years travel insurance plans are available without medical tests but with certain sub-limits. Review these travel insurance for seniors above 80 years to make an informed decision. Travelers who are above 80+ can buy overseas travel insurance plans offered by Indian insurance companies. India travel insurance plan covering pre-existing conditions.
Flight

Single trip travel insurance

  • A single trip travel insurance India insures the traveller for the travel duration mentioned in the policy documents for any unforeseen emergency medical expenses during ones travel outside India.
  • These travel insurance plans are also known as round trip insurance as they insure the traveller onward from India for the duration of his/her stay overseas back to his/her return to India.
  • Travellers or family members can buy this type of insurance before they travel abroad.
  • The duration of coverage is usually the length of the journey, and the maximum available duration initially is 180 days but can be further extended but this varies from company to company.
  • Compare travel insurance and buy best online travel insurance in India
Group

Multi trip travel insurance

  • Annual multi trip travel insurance is suitable for business people who travel overseas frequently but for shorter stays.
  • The Annual Multi trip travel medical insurance as the names suggests is a policy for a whole year and covers the traveller emergency medical expenses when the traveler is overseas, however the coverage for each overseas trip is limited to the trip period slab selected.
  • The trip period varies for different companies but is usually 30, 45, 60 and 90 days.
  • Annual multi trip travel insurance is for Indian citizens traveling outside India for accident medical expenses only. Compare & buy best annual travel insurance online!

Overseas travel insurance options for travellers of different ages

person
Below 70 years

Indian overseas travel insurance plans for travelers aged below 70 years.

elderly
Above 70 years

Senior Travelers aged 70-79 years are covered under Indian Insurance Plans while overseas.

Benefits of travel insurance for Seniors above 80

Travel insurance designed for seniors aged 80 and above provides crucial protection and reassurance when traveling abroad. As older travelers may encounter specific health risks and challenges, securing appropriate travel insurance can significantly enhance their travel experience.
The following are the primary advantages:
  1. Emergency Medical Coverage: This feature addresses medical expenses incurred due to illness or injury while traveling, ensuring travelers feel secure during their journey.
  2. Coverage for Pre-existing Conditions: This benefit safeguards seniors with chronic health issues by covering treatment for any flare-ups that may occur while traveling.
  3. Emergency Medical Evacuation: This facilitates transportation to a medical facility or back home if the senior's health requires it.
  4. Trip Cancellation and Interruption Coverage: This option reimburses non-refundable expenses if a trip is cancelled or shortened due to unexpected circumstances.
  5. Coverage for Lost, Stolen, or Delayed Baggage: This benefit compensates for baggage that is lost, stolen, or delayed, including essential items such as medications.
  6. Personal Liability Protection: This coverage addresses legal and financial responsibilities if the senior is deemed liable for accidents during their travels.
  7. 24/7 Emergency Assistance: This service provides continuous support for emergencies, including medical needs or travel-related issues.
  8. Peace of Mind for Family: This assurance offers comfort to family members, knowing their loved one is safeguarded under travel insurance plan while traveling.
  9. Protection Against Natural Disasters or Political Unrest: This coverage addresses trip disruptions caused by natural disasters or political turmoil.
  10. Extended Trip Coverage: This option guarantees long-term protection for seniors traveling abroad for extended durations.
  11. Tailored Coverage Options: This feature allows for customization of coverage based on individual health requirements and travel preferences.
  12. Travel Delays: This benefit reimburses additional expenses for accommodation and meals resulting from flight delays.
  13. Lost or Stolen Passport Coverage: This provision covers the costs associated with replacing lost or stolen passports and any related travel disruptions.

What are the eligibility requirements for seniors above 80 to apply for travel insurance?

  • Upper Age Limit: The majority of insurance companies extend coverage to seniors up to the age of 85. Nonetheless, certain insurers may impose more stringent age restrictions, while others might offer policies for individuals over 85, subject to specific criteria or payment of additional premiums.
  • Lower Age Limit: A number of insurance providers establish minimum age requirement for coverage, typically set at approximately 65 or 70 years. However, this requirement generally does not affect seniors who are older than 80.

How much does travel insurance cost for Seniors aged above 80 years?

The TATA AIG travel insurance for Senior Citizens cost per month starts at just ₹25,504 for coverage Worldwide Including USA & Canada. TATA AIG travel insurance for seniors cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of TATA AIG travel guard insurance for seniors plan variants.

Traveler's age Travel Guard Plus Super Senior
$50,000
81 - 85 years (Limited coverage) ₹25,504
81 - 85 years ₹54,801
86 - 90 years (Limited coverage) ₹40,975
86 - 90 years ₹88,582
91 - 98 years (Limited coverage) ₹51,634
91 years and above ₹103,396

The TATA AIG travel insurance for Senior Citizens cost per month starts at just ₹13,936 for coverage Worldwide Excluding USA & Canada. TATA AIG travel insurance for seniors cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of TATA AIG travel guard insurance for seniors plan variants.

Traveler's age Travel Guard Plus Super Senior
$50,000
81 - 85 years (Limited coverage) ₹13,936
81 - 85 years ₹23,486
86 - 90 years (Limited coverage) ₹23,842
86 - 90 years ₹40,555
91 - 98 years (Limited coverage) ₹32,511
91 years and above ₹55,490

Find out more about Indian travel insurance

Description Types of insurance

Please find out the different types of travel insurance that suits your travel.

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Flight Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.

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Autorenew Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Online travel insurance India, NRIOL travel insurance - FAQ's

Why do seniors above 80 need travel insurance?

The most suitable travel insurance for seniors aged 80 and above is essential, as they are at a higher risk of encountering medical emergencies while traveling internationally. This type of insurance offers protection against unforeseen medical costs, emergency evacuations, and cancellations of trips.

Indeed, certain travel insurance plans for seniors do offer coverage for pre-existing conditions; however, this may require an additional premium or the fulfilment of specific criteria. It is essential to consult with our customer support team for further information.

Travel insurance for seniors generally provides coverage for individuals up to 85 years old, although this may differ among various insurers. Certain policies might extend coverage to those over 85, subject to specific conditions.

Travel insurance designed for seniors typically includes coverage for emergency medical costs, hospital stays, trip cancellations, lost luggage, emergency evacuations, and travel delays.

Annual multi-trip insurance is indeed a beneficial choice for seniors who travel often. This type of insurance offers protection for several trips throughout the year, eliminating the need to purchase separate coverage for each individual journey.

The expense associated with travel insurance for seniors is influenced by various factors, including age, health condition, length of the trip, and the selected coverage options. Typically, premiums tend to be higher for seniors because of the heightened medical risks involved.

Yes, the majority of senior travel insurance plans offer coverage for emergency medical evacuation, which assists in covering the expenses associated with transporting individuals to a medical facility in the event of a severe illness or injury.

Many insurance providers facilitate renewal processes for senior citizens; however, this may vary based on age and health status. It is advisable to review the renewal conditions prior to buying a policy.

Certain policies may impose restrictions depending on your travel destination or health status. It is essential to review any exclusions to the area you plan to visit, particularly during periods of travel advisories or global health emergencies.

Typical exclusions might be coverage for high-risk activities such as skydiving, non-medical travel costs, and trips to areas with travel warnings or conflict zones. It is essential to thoroughly review the policy terms before purchase.

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