The document discusses important considerations for travel insurance plans for senior citizens. It recommends choosing a plan that sufficiently covers pre-existing diseases, ICU expenses, trip delays, cancellations, and passport loss. It also suggests opting for plans that allow longer duration stays of up to 180 days, which can be extended to a full year, as well as plans without sub-limits to avoid restrictions on coverage. Comprehensive coverage is especially important for senior travelers.

1. life and style
Travel

2. Travel with the right cover for senior
citizens
• An ideal travel insurance
policy for the elderly should
sufficiently cover them on all
fronts. Hence, it is essential
to examine the inclusions
and exclusions of the plan
thoroughly

3. 20/10/2022
• While the travel sector swung back to pre-pandemic levels in no time,
travellers are now well-versed with safety measures that go beyond masks
and sanitisers. More people are now seeing travel insurance as an integral
part of their trip to ensure absolute protection in case they happen to
encounter an unforeseen event on their journey.This includes senior citizens
who had to practise extra caution, especially during the peak of the
pandemic.

4. Pre-existing diseases
21/10/2022
• While a regular travel plan may shield travellers from standard
hospitalisation bills, they often don’t cover pre-existing diseases or PEDs.
Hence, for senior citizens, it’s always advisable to opt for a plan which
provides coverage in case of life-threatening conditions arising out of PEDs.
• Usually, the coverage goes up to $10,000, which adequately protects an
individual in case of a medical emergency due to an existing condition.
Apart

5. Travel benefits
22/10/2022
• An ideal travel insurance policy for the
elderly should sufficiently cover them
on all fronts. Hence, it is essential to
examine the inclusions and exclusions
of the plan thoroughly.The policy
should cover everything from pre-
existing diseases to ICU expenses to
trip delays and cancellations to
passport loss.

6. Longer duration stay
23/10/2022
• It’s not uncommon for youngsters to move abroad for better
opportunities. Often, most of them find stability there and even
settle permanently outside of India. In such cases, their parents
might need to visit them, and often stay for longer duration.
• Senior citizen travel plans come to their rescue in these
situations.There are plans that cover the elderly for 180 day.
Depending upon the need, these plans can be further extended
to an additional 180 days.This gives them a complete year in
case they need to be a part of their children’s life milestones like
marriage or childbirth.

7. Plans sans sub-limits
24/10/2022
• Similar to health insurance, travel insurance plans also come with sub-limits.
And just like health insurance, it is advised to not have sub-limits in your
travel plans as well. Especially when it comes to senior citizens, these
restrictions can limit coverage.
• Essentially, sub-limits means capping on the sum assured or the benefits
included. It could mean exclusion of a certain kind of medical expense or
curtailment of benefits.To avoid such a situation, it’s better to opt for plans
that have no sub-limits.