Can you get travel insurance at the old age? This is a question that perplexes many senior citizens who are fond of travelling. The answer is yes, but the premium would be higher because the risk profile of senior citizens is quite different from younger people. While there are no special provisions in travel insurance for senior citizens, they should ensure that travel insurance provides comprehensive coverage in all aspects of travelling. Things as simple as getting a new passport issued if it’s lost can cause immense distress to senior citizens. There are certain travel insurance that provide Special Provisions For Seniors In Travel Insurance.

Travel insurance covers many things, such as misplacement of baggage, loss of tickets, change of plan, delays or cancellation of flights, loss of passport, disaster or any untoward incidents, and medical emergencies. The medical emergency is the most important ones for people travelling abroad. Let us look at what features and provisions senior citizens should consider while buying travel insurance.

Age Limit

The age limit depends on the terms mentioned in the policy by the insurers. Usually, insurance companies offer travel insurance for 60 years or beyond under policies specifically designed for senior citizens. Some may provide insurance till the age of 99, while some may not go beyond 80. It is important for senior citizens to choose the policy with appropriate age criteria so that they do not have to face any problems when they need it most.

Medical Coverage

The travel insurance should also provide a comprehensive health package for the travel period. It is essential to mention that traditional health policies usually do not offer coverage when travelling abroad. Travel insurance provides an enhanced health risk cover that you may find sufficient while travelling abroad.

Claim Amount On Various Other Aspects

Before buying a travel policy, look at the maximum admissible claim amount in cases such as loss or theft of luggage, delays or cancellation of flight, or any other situations that may arise. You should ensure that the amount should be sufficient even if you have to pay a little extra in insurance premiums. Travel insurance companies also provide numerous add-on options. You should choose the appropriate add-on according to your needs.

Check The Emergency Cash Facility

Most of the travel insurance companies provide emergency cash facilities. Cash in local currency has become vital in many countries. In case your luggage or purse with money is stolen, this facility will come as a saviour. Before buying the policy, check the amount of emergency cash you can get under the policy terms.

Some special provisions that senior citizens may get under the travel insurance policy include repatriation of mortal remains, medical evacuation under distress situations, coverage of pre-existing medical conditions, dental cover, etc.

There are many countries where it’s mandatory to have travel insurance if you are visiting there. Senior citizens can enjoy their foreign trips without financial concerns if they have taken the right travel policy. Always read the list of inclusions and exclusions and the applicable terms & conditions when buying a travel policy. Feature and terms & conditions of travel insurance may vary depending on the country for which you want the policy.

The author is an independent financial journalist.