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Travel insurance from India to USA for senior citizens

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Senior citizen travel insurance

Best travel insurance for seniors over 70 years

Given the close family ties that Indians retain despite living in different parts of the world, it is common to find Indian senior citizens traveling overseas. Older travellers quite often have pre-existing medical ailments and therefore have unique needs in their overseas travel insurance plans.

We have identified the Indian overseas travel insurance plans that are specially designed as travel insurance for senior citizens.

Here is some perspective on pre-existing conditions which is very relevant in travel insurance for older travellers. A pre-existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.

This means that if the insured is traveling abroad with a pre-existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim. On eIndiaInsurance, we have overseas mediclaim insurance for older travellers with options for including a pre existing illness coverage.

Older Traveller Overseas mediclaim insurance » Travel insurance tips »

Senior travel insurance FAQ’s

Senior Citizens are normally categorised as individuals who are above the age of 60 years. What is interesting and encouraging is that this section of travellers have been growing steadily over the years and this has encouraged the Indian Travel insurance companies to have customised products for this category of travellers. Senior Citizens are not only now travelling to visit family and friends but also as tourists willing to spend their hard earned savings on travelling and seeing the world, soaking up new experiences each time.

Senior Citizens travelling must ensure to have sufficient insurance coverage prior to their departure from India. This is critical because the propensity for having an unexpected illness or accident is slightly higher when compared to lower age categories and hence insurance coverage is a must. The Indian Senior Citizen plans offer coverages from $25,000 to $100,000 (INR ₹ 70,00,000) of Accident & Sickness coverage which is sufficient cover when they travel abroad. It is also advisable to choose plans which have Trip Cancellation as part of the coverage since there could be a possibility of the trip being cancelled and this will enable a reimbursement of the non-refundable portion of the air, hotel and other tour bookings.

One of the factors that determine the insurance premium is the age of the traveller apart from the duration of travel, destination country and the Accident & Sickness Sum Insured opted for. This means that the premium payable for a 70 year old traveller will be higher than that of a 35 year old assuming they are both opting for the same coverage, and visiting the same destination country for the same duration of time. Based on historical data, there is a propensity for more frequent and larger medical claims as the age of the traveller increases.

Having said that, it is important to note that irrespective of the premium difference, it is critically important for both the 70 year old and 35 year old traveller to remain insured on their international trip. There could be a medical or non-medical emergency that hits them unexpectedly and the insurance coverage will come in handy to deal with the financial loss from such an emergency. An unplanned medical emergency could set the traveller back by a few thousand $ USD or £ GBP or € Euros, which can be managed through an insurance plan.

As per the plans offered by all insurance companies, the normal age of coverage is upto 70 years of age. However some of them have Senior Citizen plans without any age capping and other offering coverage between 80 and 99 years. The maximum age limit offered by the various insurance providers is tabled below for your immediate perusal.

Apollo Munich Health Insurance Upto 80 years
Bajaj Allianz General Insurance Upto 99 years
Cholamandalam Travel Insurance Upto 80 years
Future Generali India Insurance Co Ltd Upto 80 years
Religare Health Insurance Company Limited No Max Age Restriction
Reliance General Insurance Co Ltd No Max Age Restriction
Royal Sundaram General Insurance Co Ltd No Max Age Restriction
Tata AIG General Insurance Co Ltd No Max Age Restriction

Most insurance companies have a maximum entry age of 70 years on the date of commencement of travel for their Standard Plans. But almost all of them have a Senior Citizen Plan which is for travelers from 71 to 99 years/No Max Age Restriction of age and hence the traveler can avail this specific plan for their travel.

Travel Insurers Age Criteria
Apollo Munich Health Insurance
  • 6 months to 70 years
Bajaj Allianz General Insurance
  • 6 Months to 60 years
  • Senior Citizen: 61 – 99 years
Cholamandalam Travel Insurance
  • 1 year to 70 years
  • Senior citizens - 71 Years to 80 Years
Future Generali India Insurance Co Ltd
  • 6 Months to 70 years
  • Senior Citizen: 71 – 80 years
Religare Health Insurance Company Limited
  • 1 day – no maximum age restriction for Single Trip.
  • 18 years – 70 years for Annual Multi Trip
Reliance General Insurance Co Ltd
  • 1 day – 90 years for Single Trip.
  • 18 years – 70 years for Annual Multi Trip
Royal Sundaram General Insurance Co Ltd
  • 91 days – 70 years
  • > 71 years  for Senior Citizen Plan – No upper age limit
Tata AIG General Insurance Co Ltd
  • 6 months – 70 years
  • Senior Plan – 71 years to no maximum age restriction

Senior citizen travel insurance

Companies offering overseas travel insurance for senior citizens India

  • TATA AIG Insurance Plans
  • Bajaj Allianz Insurance Plans
  • Reliance Insurance Plans
  • Cholamandalam Insurance Plans
  • Apollo Munich Insurance Plans
  • Future Generali Insurance plans
  • Religare Insurance Plans
  • Royal Sundaram Insurance Plans
The Indian Senior Citizen travel insurance plan is specifically for older travellers normally about the age of 70 years. The best Indian Senior citizen travel insurance plan focuses primarily on Emergency Accident & Sickness cover, but also has Medical Evacuation, Repatriation, Passport loss, Baggage Loss/Delay etc.
Coverages offered Policy exclusions
  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions

Senior citizen travel insurance plan overview


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International travel health insurance products for seniors

Key Features

  • Senior citixens 71-99 years can buy the policy online wihtout any medical tests.
  • Option to buy wihtout medical sublimit plan by paying additional premium.
  • Pre-existing ailments covered up to $1,500 only incase of life threatening situation

Key Features

  • Available for the age 71-99 years without any medical tests
  • Maximum duration available is 180 days
  • Maximum coverage is US$50,000
  • Senior citizens above the age of 70 years who are travelling abroad can purchase

Key Features

  • Senior citixens 71-90 years can buy the policy online wihtout any medical tests.
  • Maximum duration is 182 days
  • Maximum coverage availble is US $15,000 and US $50,000.

Key Features

  • Senior citizens 71-90 years can buy the policy online wihtout any medical tests
  • Sum insured ranges from US $50,000 and US $100,000
  • Covers declared pre-existing conditions up to 10% os sum insured
  • Premium per day and can be purchased up to 180 days.

Key Features

  • Eligible age & trip duration - 71 to 80 years: up to 180 days
  • No medical check-up up to 70 years
  • Senior Citizens Cover The elderly members of your family can be covered under this Travel Insurance package.

Key Features

  • Embassy and interpreter referral services
  • Referrals of medical service providers and hospitals
  • Reimbursement of medical expenses incurred during hospitalization where ever possible

Key Features

  • Cashless Claims Settlement for inpatient
  • Claims turnaround time of less than 7 working days
  • Global Service Provider & hospital network

Key Features

  • Minimum age of proposer must be 18 years.
  • Minimum age at entry of insured person must be 71 years.
  • Medical reports required for a SI of 1,00,000 USD only.

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