Compare the best holiday insurance for Indians travelling overseas

There are various types of travel insurance. For example, you can get cover for a single trip, or you can buy a 12-month multi-trip policy. Plan is also available for couples, families or groups. International holiday insurance for senior over 70s are quite popular among Indian parents and older travelers visiting their families and children living overseas. They often look for Holiday travel insurance for pre-existing conditions and most of the overseas mediclaim travel insurance offer coverage for pre-existing medical ailments under life-threatening situations.

The compare facility with free quotes of overseas visitors insurance helps Indian visitors to choose the right plan. When plans offered by different insurance companies are evaluated parallel, visitors quickly understand the difference between coverage and benefits. Not all visitors are aware of all visitors insurance options and the quote comparison certainly helps customers to make an informed choice. It is very simple to get quote at eindiainsurance, complete a simple online application with travel dates, destination and insurance sum required to compare plans. Customers can follow easy steps to select a plan and buy online.

Almost all travel insurance companies offer plans which provide coverage beyond 70 years of age. Some of them even offer coverage upto 99 years of age under their Senior Citizen plans. Given that the traveller is expected to be over 70 years of age, it is important for them to opt for a plan which has reasonably sufficient Accident & Sickness coverage and should ideally be between $50,000 and $100,000 (₹70 lacs).

It is also ideal for the holiday insurance plan that the traveller opts for has non-medical coverage that includes Trip Cancellation/Curtailment, Passport Loss, Baggage Delay/Loss, Flight Delay, Bounced Hotel, Missed Departure/Connection etc because these are some exigencies which could also arise during the trip and could not only ruin the entire holiday but also cause financial loss to the traveller. One should review the travel insurance options available while making a decision on the optimum insurance plan to choose for their holiday travel.

Holiday Insurance cost a fraction of the overall cost of the holiday when one takes into account the Airfare, Hotel Expenses and Tour Package Cost that the traveller would incur on their holiday. It is important that the traveller does not look at Travel Insurance as a cost but rather a necessity when one travels abroad given the cost of medical treatment in other countries and any unforeseen non medical exigency that can crop up like Passport Loss, Baggage Loss or Delay, Missed Connection or a Flight Delay.
Let's look at a couple of examples; please note that insurance premiums will vary depending on Age of the insured, Destination and Duration of Travel and Coverage Sum Insured.
Situation A

• 35 year old going on a 5 day trip to Asia with a coverage of $25,000 (₹17,00,000)
• Package Cost – Airfare ₹20,000, Hotel ₹20,000, Tour Land Package ₹ 10,000 – Total Cost ₹50,000
• Travel Insurance - ₹350 - ₹500 – 1% of the Total Package cost

Situation B

• 35 year old going to USA for 35 days with a coverage of $50,000 (₹34,00,000)
• Package Cost – Airfare ₹60,000, No Hotel and Land Package cost assuming he is visiting family
• Travel Insurance - ₹1,500 - ₹2,800 – 5% of the Total Package cost

Hence it is abundantly clear that it is definitely worth investing in an insurance policy when traveling abroad.


Which travel insurance is best for USA from India?