Travel insurance from India to USA for senior citizens

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.

s 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.

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.