How to Choose the Best Travel Insurance for Senior Citizens?

Travel insurance for senior citizens is a carefully curated plan to support the needs of travellers above the age of 60 years. It caters to various needs of senior citizens and provides valuable assistance during critical situations. 

It covers expenses incurred due to hospitalisation, intensive care treatment, flight delays or cancellations, passport loss and much more. So, if you are planning an international trip for your parents, we are here to help you choose the best travel insurance for senior citizens. 

Importance of Overseas Senior Citizen Travel Insurance India

Planning a trip, visiting picturesque locations with your parents and helping them check places off their bucket list can be a fulfilling experience. However, it is essential that you consider the possible travel restrictions for senior citizens that may come in the way and plan your trip accordingly. 

Since there are more risks involved in a senior citizens’ trip, it is best that their travel is insured and they are covered from maximum perils that can potentially result in huge financial losses and inconvenience to our elderly. 

Here are some of the reasons why travel insurance for seniors is important:

• The elderly are more susceptible to health issues.

• Expensive medical treatment in foreign countries

• They are more susceptible to societal risks, such as phishing, theft, etc.

• Senior citizens are more vulnerable to financial risks due to mental and physical stress, such as losing luggage, passports, valuable items, etc.

Things to Consider While Choosing the Best Travel Insurance for Seniors 

1. Insured Sum

Since senior citizens are more vulnerable to health risks and other travel-related issues, their insurance should be adequate to cover all possible risks. Thus, before you buy travel insurance for seniors, ensure that you carefully understand the breakdown of the insured sum and ensure that it is high enough to accommodate the potential perils.

2. Policy Inclusions and Coverage

The next important step is to check the list of inclusions in seniors’ travel insurance. Since there is a high risk involved with senior citizens, ensure that the policy covers all such perils. For example, emergency medical evacuation, hospitalisation, accidental injury, financial assistance, etc.

3. Premium Cost

With your required inclusions, check the premium costs. Before you buy senior citizen travel insurance, compare and verify its affordability per your requirements. 

4. Cashless Hospitalisation Worldwide

In case your parents need to be hospitalised due to illness or injury during their trip, a cashless claim can save you a significant amount of money and relieve you from financial stress. Thus, ensure that your policy provides cashless hospitalisation worldwide and the claim process is hassle-free and quick.

5. Policy Extension

Senior citizens are more likely to plan a trip with a longer duration or may need to extend their trip due to unforeseen illness or injury. Thus, having a seniors’ travel insurance plan which has a feature of seamless policy extension can go a long way. 

Conclusion

Travel Insurance is an important aspect of travelling, irrespective of whether it is a mandatory requirement. Especially for senior citizens, it protects them from stress and financial losses incurred due to many unforeseen events. 

While choosing the best international travel insurance for seniors, check for worldwide cashless hospitalisation, policy extension, coverage inclusions, premium rates, and the sum insured. A good travel insurance plan can make all the difference and will let your parents enjoy the trip to the fullest.