Travel Insurance for Senior Citizens

Seniors travelling overseas should not ignore buying travel insurance as they may face problems even when they are in the best care and supervision of other family members. So, it is a must to buy the best travel insurance for senior citizen

Travel insurance for senior citizens is important as it takes care of the medical expenses such as the hospitalisation charge or an operation for the cure.

Here is a list of things that are covered in senior citizen travel insurance in India:

Medical expenses: Other than the normal hospitalisation, the best travel insurance for senior citizens also covers the cost of transportation to the nearest medical centre. Often the medical treatment may prolong and may require more than a week stay in the hospital. Senior travel insurance guarantees that the person hospitalised is reimbursed for his entire stay.

Loss of baggage: If a senior citizen is travelling alone, it could be difficult to keep a tab on the luggage all the time. And, baggage can be lost in transit. Here, senior travel insurance ensures that the senior citizen is covered and is paid for his/her valuables, travel money and documents etc.

Flight cancellation or delay: Senior citizen travel insurance also covers for any flight delay or cancellation. Here, the condition is that the flight operator must delay or cancel the flight.

However, it should be kept in mind that senior citizens can buy travel medical insurance for a period of up to 180 days. The duration cannot be longer than this. Insurance companies in India offer travel insurance for upper age groups too, starting from 60 to 99 years. However, companies factor in all pre-existing ailments and health problems. It is in one’s favour to disclose all details and health concerns at the time of buying the policy. Hence, compared to other age groups, travel insurance for seniors comes at a premium. One can increase the tenure of the cover in case the stay is extended.

Seniors travelling to any domestic place or overseas should not ignore buying travel insurance as they may continue to face problems even when they are in the best care and supervision of other family members. So, it is a must to buy the best travel insurance for senior citizens.