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Senior Citizens Travel Insurance from India

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Tata AIG Travel Insurance

What is Senior Citizen Travel Insurance?

Insurance plans designed for elderly travellers above 71 years is called senior citizen travel insurance. The age limit to purchase these plans can vary from insurer to insurer. Usually the coverage begins from 61 years and can be up to 99 years. These are special plans designed for seniors and can cover health related risks as well which are not covered by standard travel insurance policies. You can get coverage for pre-existing conditions, hospitalization, intensive care, doctor visits, ambulance services, and surgery. Added to this you will also get coverage for baggage loss, flight delays, and cancellations, providing comprehensive protection for senior travellers.

What’s Covered Under Senior Citizen Travel Insurance?

Senior citizen travel insurance typically covers:
  1. Medical Emergencies: Hospitalization, doctor visits, and emergency medical evacuation.
  2. Pre-existing Conditions: Coverage for medical issues that exist before travel.
  3. Trip Cancellations/Interruptions: Reimbursement for trip disruptions due to illness or emergencies.
  4. Baggage Loss: Compensation for lost, delayed, or damaged baggage.
  5. Flight Delays/Cancellations: Coverage for trip delays or cancellations due to unforeseen events.
  6. Emergency Repatriation: Transporting the insured back to India in case of serious illness or death.
  7. Personal Accident: Coverage for accidental injury or death during the trip.
These policies provide comprehensive protection tailored for elderly travellers.

How to Choose the Best Senior Travel Insurance for elderly travellers abroad

  • Check Age Eligibility: You must check age eligibility to purchase these plans. Some offer for 61 years and above and can be up to 99 years
  • Medical Coverage: You should look for plans that cover medical emergencies, hospital stays, doctor visits, and pre-existing conditions.
  • Emergency Evacuation: It will be good to have coverage for medical evacuation and repatriation in case of serious illness or injury.
  • Baggage and Trip Delays: Choose a plan that covers baggage loss, flight cancellations, and delays.
  • Policy Benefits: You can compare the benefits, such as coverage for personal accidents, trip interruptions, and emergency dental treatment.
  • Insurer’s Reputation: You can choose an insurer with good customer service and quick claims processing.
  • Read the Fine Print: Understand exclusions, such as activities not covered or limits on pre-existing condition coverage.

Key Facts About Senior Citizen Travel Insurance

Categories Specification
Eligibility Aged for seniors 61 years and above
Coverage Worldwide
Features Medical and Hospitalisation expenses, Travel Assistance, Luggage Delay and Loss, Passport Loss, Flight Delay and Cancellation

How much does a TATA AIG travel insurance for Senior Citizens cost per month?

The TATA AIG travel insurance for Senior Citizens cost per month starts at just ₹6,175 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 Silver Travel Guard Plus Silver Plus Travel Guard Plus Gold Travel Guard Plus Platinum Titanium Titanium Plus
61-70 years (Limited coverage) ₹6,175 ₹7,156 ₹8,768 ₹9,403 - -
61-70 years ₹11,902 ₹14,625 ₹17,900 ₹20,368 - -
Traveler's age Travel Guard Plus Senior Travel Guard Plus Senior Plus
$50,000 $100,000
71-75 years (Limited coverage) ₹9,097 ₹12,571
71-75 years ₹21,769 ₹24,351
76-80 years (Limited coverage) ₹12,998 ₹17,922
76-80 years ₹31,450 ₹35,141
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 ₹2,874 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 Silver Travel Guard Plus Silver Plus Travel Guard Plus Gold Travel Guard Plus Platinum Titanium Titanium Plus
$50,000 $100,000 $250,000 $500,000 $750,000 $1,000,000
61-70 years (Limited coverage) ₹2,874 ₹3,674 ₹4,174 ₹4,699 - -
61-70 years ₹3,740 ₹4,999 ₹5,915 ₹7,004 - -
Traveler's age Travel Guard Plus Senior Travel Guard Plus Senior Plus
$50,000 $100,000
71-75 years (Limited coverage) ₹5,845 ₹6,604
71-75 years ₹7,725 ₹10,683
76-80 years (Limited coverage) ₹7,202 ₹9,352
76-80 years ₹11,174 ₹15,415
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

How to Buy Senior Citizen Travel Insurance Online?

  • Step 1: On the given form select the Travel destination. Click on the Next button
  • Step 2: Select the total number of people travelling and the required traveller detail (age). Click on the Next button
  • Step 3: Select Start date & end date. Click on the Next button
  • Step 4: Click on 'View Plans'
  • Step 5: Compare different senior citizen travel insurance plans available online, considering coverage, benefits, and premiums, pay for the plan using a secure payment method like credit/debit card, UPI or net banking
  • Step 6: After payment, you will receive your policy documents via email

Tips for Finding the Cheapest Senior Citizen Insurance

  • Compare Plans: You can compare premiums using our online comparison tool. You can understand coverage options and benefits from different insurers before buying online on our portal.
  • Look for Discounts: There will be offers and discounts from some insurers for early purchases or family travel insurance plans. You can check the same on our portal before purchase.
  • Customize Coverage: If you want to keep premium low then you should opt for basic coverage but ensure it covers essential medical emergencies and trip cancellations.

Senior Citizen Travel insurance online for different ages

Travelers who are traveling to Europe to any of the Schengen countries namely, Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland can buy the cheap Schengen travel insurance online. This Schengen visa travel insurance is a requirement while applying for the Schengen visa. This single Schengen visa enables Indian travelers to visit any of Schengen countries.

These customized Indian travel insurance plans satisfy the Schengen travel insurance requirements and have been authorized by Schengen consulates. It is recommended to buy schengen travel insurance to exceed your travel duration by a week to ten days. We have had customers visa applications rejected if the travel insurance policy is for the exact duration as the trip.

Overseas travel insurance options for travellers of different ages

person
Travel Insurance for Senior Citizens 71-79 years

Senior Travelers aged 71-79 years are covered under Indian Insurance Plans while overseas The travelers may purchase the plan with or without medical tests and certain sublimts will apply.

elderly
Travel Insurance for seniors above 80 years

Indian overseas travel insurance plans for seniors aged above 80 years.hese seniors above 80 years travel insurance plans are available without medical tests but with certain sub-limits

Senior Citizen Travel Insurance - FAQ's

What is the best travel insurance for Senior Citizens?

As your parents get older, they are more prone to diseases and chances of becoming sick is very high. Any unexpected mishaps like an illness or an accident can happen to our parents any time. So it is extremely important to get the best insurance in the market. There are some factors which you have to study before buying an insurance for them.

  • Quick service - The assistance service provider should be available 24X7 to assist the needy in case of emergency.
  • Comprehensive vs fixed benefit plan - Fixed benefit plans offer a limited coverage and are cheaper. While a comprehensive plan offers coverage up to policy maximum without any limitations.
  • Good at claims settlement - Select a company has smooth claims process and history of more settled claims.
  • Reliable - The policy should be reliable.
  • Coverage benefits - Looks for plans which suits your benefit requirements.

With more and more insurance companies coming forward travel insurance for senior citizens online. There are many insurance providers who offer popular travel insurance for senior citizens without any medical reports. With many company plans available in front of them. They should do little research of what the plan offers verses what they need. Not all companies have the same set of benefits. Some companies like TATA AIG and Religare are covering pre-existing diseases in case of life threatening situations for a limited amount. Fixed benefit and comprehensive plans with policy maximum up to $100,000 US Dollars can be purchased online without the need of any medical reports. Other factors to be kept while choosing a senior citizen plan is the policy duration available for purchase, ease of renewability, smooth claims process and the premium. There are many companies offering plans for citizens like TATA AIG, Bajaj Allianz, Religare and Reliance.

Generally travelers aged above 60 years are considered as senior citizens travelers. There are many companies which offer good plans for these travelers. They might be broadly classified into Comprehensive plan and Fixed benefit plan. Comprehensive plans offer full medical benefits without any restrictions up to policy maximum whereas Fixed benefit plans do have medical restrictions on the overall policy maximum. Fixed benefit plans are cheaper than comprehensive plans. Majority of the companies offer these senior citizen travel packages without any paper work and medical documents. They can be purchased online with one click. Please call our experts at +918041101026 or so that we can get in touch with you.

Elderly travelers who are looking for travel insurance must be aware that the best coverage depends on your individual coverage requirement. Some of the top insurers in India for you are TATA AIG, Bajaj Allianz, Religare and Reliance who offer excellent coverage for senior citizens. You can compare plans on our portal based on coverage, premiums, exclusions, and the insurer's customer service and claims process

The countries best suitable for senior citizens to travel depend on several factors like safety, accessibility, healthcare facilities, and overall comfort. Here are few countries best for senior citizens to visit are Switzerland, Japan, New Zealand, Canada, Australia, Portugal, Spain, Italy, Sweden, Thailand. Each country has a speciality and seniors can choose the on that best suits their interests, medical needs and preferences.

There are various factors that determine the premium of travel insurance like age, health condition, travel destination and travel needs. Senior citizens can choose the one that is affordable by comparing plans on our portal. Some of the companies like Bajaj Allianz, TATA AIG, Care offer budget friendly travel insurance for senior citizens.

Elderly travellers who are aged 60 years are older are eligible for senior citizen travel insurance. The age limit to buy policy can vary from insurer to insurer. It is important to go thought coverage details and age limit before buying senior citizen travel insurance.

Some insurance companies India offer coverage for pre-existing conditions under senior citizen travel insurance. Few policy also exclude pre-exiting conditions while other offer limited cove with additional premium. Some insurers in India call it as ad on benefits or riders to include pre-existing diseases coverage for senior citizens. You must read policy details to understand the exact coverage and exclusions under senior citizen travel insurance policy.

The travel medical insurance basically covers for sickness and accident medical expenses in overseas. The policy maximum and other benefits vary from one insurance company to other. Age, destination country, travel duration are the factors which decide the premium and policy benefits. Along with medical expenses other benefits the policy might include medical evacuation, repatriation, death due to accident, baggage loss, baggage delay, passport loss, trip delay, trip cancellation, coverage for pre-existing diseases and more. You need to go through the plan benefits before you make a purchase.

Few of the general exclusions of travel medical insurance can be listed as below.

  • Traveling against the advice of the physician.
  • Travelling for the purpose of obtaining treatment
  • Any Pre-existing diseases
  • Suicide, attempted suicide, HIV / AIDS, Any loss arising out of War, civil war, invasion, insurrection, revolution more. Please read the plan document before making a purchase.

Yes, you can extend the policy online. The policy holder has to declare that he/she is in good health and no claims. In case if the policy holder has any claims or the policy renewal request has been made after the expiry of the current policy. Then the request will go for approval after which the policy can be renewed. The renewal rules varies from company to company. Please contact our experts at +918041101026 or so they can guide to renew the policy.

Yes, you can purchase the policy online for your parents who will be traveling from India to different foreign countries. There are different modes through which you can buy the policy for your parents. You can pay online using your Indian / international credit cards, debit cards, internet banking, electronic funds transfer and through Indian rupee cheque.

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