All About Senior Citizen Travel Insurance

Senior citizen travel insurance - BimaBandhu

It’s never too late to put on the adventure hat and set off on a journey of a lifetime. If you think travel is exclusively reserved for the young, think again! Senior citizens also have a unique opportunity to savor the world’s wonders and create cherished memories. But before you dive headfirst into wanderlust, let’s take a moment to appreciate the invaluable companion that can make your travels all the more worry-free and delightful – senior citizen travel insurance.

Surrounded by stunning landscapes, diverse cultures, and hidden gems, travel holds the key to unlocking experiences that can truly enrich your lives. For seniors, travel brings an added layer of fulfillment, offering a chance to rediscover oneself, reignite passions, and nurture lifelong connections. Whether it’s reconnecting with loved ones, exploring far-off destinations, or indulging in a slower-paced adventure, travel can open up a world of endless possibilities. Travel insurance for senior citizens swoops in as a guardian angel to safeguard your journey against any unforeseen circumstances.

Your travel insurance policy will accompany you on every step, ensuring peace of mind throughout your journey. It acts as a safety net, providing financial protection and assistance when you need it the most. From covering medical emergencies and trip cancellations to lost baggage and delayed flights, travel insurance helps ease the burden of unexpected expenses, giving you the freedom to focus on creating unforgettable memories.

If you want to understand different sides of senior citizen travel insurance, you’ve come to the right place. Let us help you realize how this type of insurance policy can make you enjoy your trip to the fullest without constantly worrying about the ‘what-ifs’.

What is Senior Citizen Travel Insurance?

Senior citizen travel insurance, also known as elderly travel insurance, is a type of travel insurance policy tailored specifically for individuals who are above a certain age bracket. While the specific age range may vary depending on the insurance provider you select, it generally caters to travelers aged 65 and above. This specialized coverage recognizes the distinct requirements of senior citizens and offers a range of benefits and features to ensure a worry-free and enjoyable travel experience.

What sets senior citizen travel insurance apart from standard travel insurance is that it takes into account the potential health concerns and pre-existing medical conditions that are more prevalent among older individuals. As you age, your body may become more susceptible to illnesses or injuries, which makes it essential to have adequate coverage that addresses these specific needs.

One of the key aspects of senior citizen travel insurance is its focus on medical coverage. It typically offers comprehensive protection against unexpected medical emergencies that may arise during your trip. From emergency hospitalization and medical treatments to emergency medical evacuations, these policies are designed to safeguard your health and well-being, providing financial assistance for any medical expenses you may incur while traveling.

Features of Senior Citizen Travel Insurance 

Senior citizen travel insurance offers a wide range of features specifically designed to meet your unique needs and concerns. These include:

  • Medical coverage

As you age, your health becomes an important consideration while traveling. Senior citizen travel insurance typically provides comprehensive medical coverage, including emergency medical expenses, hospitalization, and necessary medical treatments. This feature ensures that you receive the necessary care and assistance in the event of unexpected illnesses or injuries during your trip.

  • Pre-existing medical conditions

Many seniors have pre-existing medical conditions that require ongoing management. This type of insurance policy takes that into account and offers coverage for any related emergencies or exacerbations that may occur while traveling. It’s essential to carefully review the policy to understand the coverage limitations and exclusions concerning pre-existing conditions.

  • Emergency medical evacuation

In case you require emergency medical evacuation to a suitable medical facility or back to your home country, senior citizen travel insurance mostly covers the associated expenses. This feature ensures that you receive timely and safe medical transportation when necessary, even if it involves repatriation.

  • Trip cancellation and interruption

Life is unpredictable, and several circumstances can force you to cancel or cut short your trip. Under senior citizen travel insurance in India, you get coverage for trip cancellation or interruption due to unforeseen events such as sudden illness, injury, or the loss of a family member. This feature helps protect your travel plans by reimbursing a part of your trip expenses.

  • Trip delay and baggage loss

These travel Insurance plans also cover expenses incurred due to trip delays, such as accommodation and meal costs, if your trip is delayed for a specified number of hours. Additionally, this insurance provides coverage for lost, stolen, or delayed baggage, thereby offering financial assistance for necessary purchases during such instances.

  • Personal liability

International travel insurance for senior citizens in India often includes personal liability coverage. This feature protects you against any legal liabilities arising from accidental injury or damage to third parties or their property during your trip to a foreign land.

  • 24/7 assistance

A notable feature of these travel insurance policies is access to round-the-clock assistance services. These services typically include emergency medical referrals, medical consultation, and assistance in locating suitable medical facilities. Additionally, the insurance provider’s customer support team offers guidance and support for various travel-related queries or concerns.

Disclaimer: The specific features and coverage limits of these travel insurance plans may vary depending on the insurance provider and policy you choose. It’s essential to carefully review the policy documents, paying attention to the terms, conditions, exclusions, and any limitations related to age and pre-existing medical conditions.

Why Choose Senior Citizen Travel Insurance?

If you are a senior citizen eager to embark on new travel adventures, choosing senior citizen travel insurance is the way to go. With this insurance by your side, you can explore the world with peace of mind, knowing that you’re protected against unexpected hurdles.

From taking care of your health needs to providing comprehensive medical coverage, it ensures that you receive the necessary care and assistance if you fall ill or get injured during your trip. The insurance policy will also cover emergencies related to your pre-existing conditions.

Eligibility Criteria to Buy Senior Citizen Travel Insurance

If you’re a senior citizen looking forward to purchasing travel insurance in India, it’s important to understand the eligibility criteria set by insurance providers. While specific requirements may vary among different insurers, here are the general eligibility criteria for buying travel insurance in India:

  • Age limit

As the name suggests, Senior citizen travel insurance is designed for individuals who have crossed a certain age threshold. Typically, insurance providers in India offer this coverage to individuals aged 60 years and above while some insurers may extend the age limit to 65 or 70 years. Here, it’s essential to check with the specific insurance company for their age eligibility criteria.

  • Medical declarations

When applying for this type of travel insurance plan, you may be required to provide medical declarations. Insurance companies often ask for information regarding your pre-existing medical conditions, including details about any ongoing treatments, medications, or recent hospitalizations. This helps them assess the risk and determine the coverage terms for your specific medical conditions.

  • Medical screening

Depending on the insurer and the selected sum insured, a medical screening or declaration form may be required. This process typically involves answering a series of health-related questions or undergoing a medical examination. The insurer may consider factors such as your overall health, medical history, and current health condition to assess the level of coverage and premium rates applicable to your policy.

  • Trip duration

Most insurers specify a maximum trip duration for senior citizen travel insurance policies. It’s important to review this criterion as it varies among insurance providers. Some policies may have a maximum trip duration of 30 days, while others may offer coverage for longer periods, such as 60 or 90 days. It is important to ensure that the policy you choose aligns with the duration of your travel plans.

Keep in mind that the eligibility criteria for travel insurance may vary among different insurance providers. It’s always recommended to carefully read the policy documents, terms, and conditions provided by the insurer.

What is Covered Under Senior Citizen Travel Insurance?

Senior citizen travel insurance offers a range of inclusions specifically designed to provide comprehensive coverage and peace of mind to mature travelers. You can check the features defined above to get a better understanding of the policy inclusions.

What is Not Covered Under Travel Insurance for Senior Citizens?

While senior citizen travel insurance offers comprehensive coverage, it’s essential to understand the exclusions—specific situations or circumstances where the insurance coverage may not apply. Let’s explore some common exclusions:

  • Certain pre-existing medical conditions

Most travel insurance policies have limitations or exclusions regarding pre-existing medical conditions. This means that any expenses related to the treatment or management of pre-existing conditions may not be covered unless specifically mentioned in the policy. It’s crucial to carefully review the policy documents to understand the extent of coverage for pre-existing conditions, if any.

  • Travel against medical advice

If you decide to travel against the advice of a medical professional or while being aware of an existing medical condition that could jeopardize your health during the trip, the insurance coverage may not apply. It’s important to prioritize your well-being and seek medical advice before embarking on any journey.

  • Non-disclosure of medical information

When purchasing senior citizen travel insurance, it’s vital to provide accurate and complete medical information during the application process. Failure to disclose relevant medical history or pre-existing conditions could result in the denial of coverage or claims. This is why it is crucial to be honest and transparent while providing medical information to the insurer.

  • Participation in risky activities

Engaging in high-risk activities, such as extreme sports, skydiving, mountaineering, or other hazardous pursuits, may not be covered under these travel Insurance plans. The policy may not cover injuries or accidents that occur while participating in such activities. 

  • Intentional self-harm or illegal activities

Senior citizen travel insurance typically excludes coverage for any self-inflicted injuries or harm caused intentionally. Similarly, any claims arising from involvement in illegal activities or criminal acts are likely to be excluded. It’s important to always act responsibly and within the boundaries of the law during your travels.

  • Losses due to intoxication or substance abuse

If you suffer any losses, injuries, or accidents under the influence of alcohol or drugs not prescribed by a medical professional, the insurance policy may not cover those expenses. It’s important to exercise caution and avoid excessive consumption of alcohol or the use of illicit substances while traveling.

  • War, terrorism, and civil unrest

The plans also exclude coverage for losses or damages caused by acts of war, terrorism, civil unrest, or similar events. 

It’s important to note that coverage may differ among insurance providers, so reviewing the policy documents for specific exclusions related to different situations is crucial.

Senior Citizen Travel Insurance Claim Process: Simplified Steps

If you find yourself in a situation where you need to make a claim under your travel insurance plan, follow the steps given below:

  • Contact the insurance provider

As soon as possible after the incident or event that requires a claim, contact your insurance provider’s claims department. They will guide you through the process and provide you with the necessary information and forms to initiate the claim.

  • Complete the claim form

Fill out the claim form provided by the insurance company and enter accurate information about the incident, including the date, time, location, and description of the event. You may also need to attach any supporting documents or evidence required for the claim.

  • Submit supporting documentation

Along with the completed claim form, submit any supporting documentation requested by the insurance provider. This may include medical bills, invoices, receipts, proof of travel, or any other relevant documents that substantiate your claim. Here, you need to ensure that you keep copies of all the documents for your own records.

  • Follow the claim submission deadline

It is important to adhere to the claim submission deadline specified by your insurance provider and submit the claim and supporting documents within the stipulated time frame. Missing the deadline may result in claim denial or delay.

  • Cooperate with the insurance provider

Your cooperation with the insurance provider is required during the claim process. If they require additional information or documentation, you are advised to provide the requested details promptly to ensure a smooth and efficient claim settlement.

  • Await claim processing

After you have submitted the claim, the insurance company will review the details, documentation, and terms of your policy. They will assess the validity of the claim and determine whether it falls within the coverage provided by your senior citizen travel insurance.

  • Claim settlement

If your claim is approved, the insurer will proceed with the claim settlement. It may involve reimbursement of expenses, direct payment to healthcare providers or service providers, or any other method specified in your policy. The settlement process timeline can vary depending on the complexity of the claim and the insurance provider’s internal procedures.

  • Clarify doubts or disputes

If you have any doubts or disputes regarding the claim settlement, seek clarification from the insurance provider. They should be able to address your concerns and provide explanations based on the terms and conditions of your policy.

By understanding the claim process and promptly providing accurate information and supporting documentation, you can expedite the claim settlement and ensure a smoother experience with your travel insurance plan.

How to Buy/Choose Senior Citizen Travel Insurance?

To purchase this type of travel insurance, you have two primary options: buying directly from an insurer (online or offline) or using insurance aggregators. Let’s explore both modes to help you make an informed decision:

Directly from the insurance provider

  • Online purchase

Most insurance companies offer the convenience of purchasing travel insurance online through their official websites. Here’s a general process involved:

  • Visit the insurer’s website and navigate to the travel insurance section.
  • Select the Senior Citizen Travel Insurance or filter your search specifically for policies designed for senior citizens.
  • Provide necessary information such as travel destination, trip duration, and age of the insured.
  • Compare different policy options, coverage details, and premiums using a travel insurance premium calculator.
  • Customize the coverage by selecting add-ons or additional benefits if needed.
  • Fill in the required personal details of the insured and any accompanying travelers.
  • Review the policy terms and conditions, including coverage inclusions, exclusions, and claim process.
  • Pay premium online using the preferred payment mode.
  • Once the transaction is complete, you will receive the policy documents and details via email.


  • Offline purchase

If you prefer a more personal touch or require assistance during the purchase process, you can visit an insurance company’s branch office or contact their customer service representatives. Here’s a general process for buying the policy offline:

  • Locate the nearest branch office of the chosen insurance company or contact their customer service helpline.
  • Express your interest in purchasing senior citizen travel insurance and inquire about the available options.
  • Provide the necessary details such as travel destination, trip duration, and age of the insured.
  • Discuss the coverage options, premiums, and any specific requirements or concerns.
  • Fill out the application form provided by the insurer, either in person or through email/fax.
  • Make the payment through the available modes such as cash, cheque, or card, as per the insurer’s guidelines.
  • Once the payment is processed, you will receive the policy documents either in person or through email.

Through Insurance Aggregators

Insurance aggregators also allow you to compare and purchase policies from multiple insurers in one place. Here’s how you can use their platforms to buy senior citizen travel insurance in India:

  • Visit a reputable insurance aggregator’s website or app.
  • Enter the required details such as travel destination, trip duration, and age of the insured.
  • Compare the available policies from different insurers.
  • Evaluate the coverage, premiums, and additional benefits offered by each policy.
  • Read through the policy terms and conditions, coverage inclusions, and exclusions.
  • Select the policy that suits both needs and budget.
  • Provide the necessary personal details of the insured.
  • Pay the premium online. Once the transaction is complete, you will receive the policy documents and details through email.

Using insurance aggregators offers the advantage of easy comparison and access to multiple insurance providers, allowing you to find the most suitable policy. Regardless of the mode you choose, it’s important to carefully review the policy details, terms, and conditions to ensure that the coverage aligns with your specific travel requirements.

Why Buy Travel Insurance for Senior Citizens Online?

Purchasing international travel insurance for senior citizens in India online offers several advantages that make it a convenient and practical choice. These include:

  • Ease of comparison

Buying insurance online allows you to compare multiple insurance providers, their policy options, coverage details, and premiums at your convenience. You can easily access information about different insurers, their reputations, and customer reviews to make an informed decision. Also, online platforms and insurance aggregators provide a user-friendly interface that simplifies the comparison process.

  • Time and effort savings

Online purchase eliminates the need to visit physical branch offices or make phone calls, thus saving you valuable time and effort. With just a few clicks, you can explore various policies, customize your coverage, and complete the transaction from the comfort of your own home or on the go. This convenience is particularly beneficial for senior citizens who may prefer to avoid unnecessary travel or physical exertion.

  • Flexibility and 24/7 availability

Online platforms and insurer websites are available 24/7, allowing you to buy senior citizen travel insurance whenever it’s convenient for you. There are no limitations imposed by office hours or time zones to ensure that you can make the purchase at your own pace. 

  • Transparency and information access

When buying online, all the relevant information regarding the policy, coverage inclusions and exclusions, claim process, and terms and conditions are readily accessible. You can thoroughly review and understand the policy details before making a decision. Additionally, online platforms often provide clear explanations and FAQs to address common queries, ensuring transparency and clarity.

  • Instant policy issuance

Once you complete the online purchase, the policy documents are usually generated instantly and sent to your email. You can easily access and store the digital copies of your policy, which makes it convenient to retrieve them whenever necessary. This ensures that you have immediate proof of coverage and can proceed with your travel plans confidently.

  • Customer support

Online insurance providers offer customer support services through various channels such as live chat, email, or helplines. If you have any queries or require assistance during the purchase process or claim filing, you can reach out to their support team conveniently. They can guide you through the process, clarify doubts, and provide additional information or advice as needed.

Things to Consider While Buying Travel Insurance for Senior Citizens

When purchasing senior citizen travel insurance, keep the following things in mind:

  • Check the policy coverage for pre-existing medical conditions. 
  • Ensure that your policy offers sufficient medical coverage, including emergency medical expenses, hospitalization, etc..
  • Look for coverage that includes trip cancellation and interruption benefits.
  • Verify if the policy covers the destinations you plan to visit. 
  • Evaluate the coverage for baggage loss, flight delays, or trip delays.
  • Review the policy exclusions and limitations carefully.
  • Consider the duration of your trip and ensure that the policy offers coverage for the entire period. Also, check if you can extend the same in case of unexpected changes or extensions of your travel plans.
  • Compare the premiums of different policies to pay a competitive price for the coverage provided. Keep in mind that the cheapest insurance policy may not always provide adequate coverage.
  • Research the insurer’s reputation, reliability, and customer service track record. 
  • Carefully read the policy’s terms and conditions.

Why Read BimaBandhu for Insurance Information?

When considering the purchase of travel insurance, reading BimaBandhucan provide you with valuable insights and information. Here’s why you should explore BimaBandhu before buying the insurance plan:

  • Comprehensive information

BimaBandhu offers a wealth of information specifically tailored to insurance buyers. It covers various aspects of insurance, including travel insurance for senior citizens. This way, you can gain a deeper understanding of the policy features, coverage options, claim processes, and important considerations.

  • Expert advice and tips

BimaBandhu provides expert advice and tips on insurance matters, thus helping you make informed decisions. You can benefit from the insights into choosing the right coverage, understanding policy terms and conditions, and optimizing your insurance plan to suit your specific needs.

  • Clarification of queries

If you have specific questions or concerns related to understanding the insurance purchase process, BimaBandhu can provide answers to common queries. Exploring the blog can help address any doubts you may have and provide clarity on insurance-related matters.

Recommended Read: BimaBandhu – A Comprehensive Insurance Blog


Is buying senior citizen travel insurance necessary if I already have regular health insurance?

A health insurance plan may provide coverage in your home country but it may not extend the same to international travel. Senior citizen travel insurance plans are designed specifically to cover medical emergencies, trip cancellations, and other travel-related risks during foreign journeys, providing comprehensive protection that regular health insurance may not offer.

What age limit is considered for senior citizens in travel insurance?

The age limit for senior citizens can vary among insurance providers. Typically, senior citizens are considered individuals aged 60 or above. However, different insurers may have different age thresholds, which is why it’s important to check with the specific insurance provider regarding their age limit for senior citizen coverage.

Can I get coverage for pre-existing medical conditions?

Some insurance policies offer coverage for pre-existing medical conditions. However, this can vary among insurance providers and policies. Therefore, it’s crucial to carefully review the policy terms and conditions to determine if your specific pre-existing conditions are covered.

What does senior citizen travel insurance cover?

Travel insurance for senior citizens typically covers medical expenses for emergencies, hospitalization, repatriation, trip cancellations or interruptions, loss or delay of baggage, and personal liabilities. 

How do I make a claim for these travel insurance policies?

The claim process may vary among insurance providers. Read the generic steps involved in the claim filing process as detailed above. 

Can I extend the coverage period if my trip gets extended?

Some insurance policies offer the option to extend coverage if your trip duration exceeds the original policy period. It’s important to check with your insurance provider if extensions are available and what the procedures and requirements are for the same.

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