Senior Citizen Travel Insurance

Age should never be the barrier to exploring the world! In fact, retirement can be the perfect time to embark on new adventures and create unforgettable memories. Travelling during this phase of life opens up opportunities to explore and enjoy. 

However, as you age, travelling might come with additional challenges such as health concerns, mobility issues or the need for assistance during a trip. This is where senior citizen travel insurance becomes important. With this plan, senior citizens get covered for unexpected medical emergencies, trip cancellations, loss/damage of belongings, and many more. 

In this guide, we will take a closer look at senior citizen travel insurance, along with its benefits, eligibility, and how to buy the right coverage for your needs. Read on to learn how to make your travel safer and smoother! 

What is Senior Citizen Travel Insurance? 

Senior citizen travel insurance is a type of travel coverage that is designed for people over the age of 60. However, many travel insurance companies and plans have different age criteria to define a senior citizen. 

With travel insurance for elderly people, you can get financial coverage against various uncertainties during your trip, including emergency medical coverage, trip cancellation/curtailment, flight delay, baggage loss, and more. 

Along with these coverages, senior citizens can avail of other benefits such as personal liability, dental treatment, repatriation, personal liabilities, and legal liabilities. 

These plans differ from regular travel coverages in that they are tailored to older travelers, taking into account their common problems when travelling. Travel coverages, premiums, and add-ons may also vary in senior citizen travel plans.

Benefits of Choosing Travel Insurance for Seniors 

Here are the benefits you can enjoy with senior citizen travel insurance: 

Financial Protection 

With the correct travel insurance, you can get financial support in the event of mishaps during your trip with the right travel coverage. 

Stress-Free Travel 

Having travel insurance for senior citizens helps you enjoy a worry-free trip. You can be protected against any mishaps related to your travel with the right coverage. 

Emergency Medical Coverage

As we become older, our health difficulties become more prevalent, thus it is wise to be prepared during your trip. Senior citizen travel insurance provides emergency medical coverage, including treatment expenses, repatriation, and more.  

Travel Interruption 

Don’t let uncertainties interrupt your travel plans by getting travel insurance for senior citizens. It provides coverage for trip cancellations, flight delays and more. 

24/7 Travel Assistance

If you encounter any challenges, whether it’s medical emergencies or some queries related to your trip, you can get quick assistance from the insurer. 

Eligibility Criteria to Buy Travel Insurance for Senior Citizens in the UAE

The eligibility criteria to buy senior citizen travel insurance often differs from provider to provider in the UAE. So, it’s always good to check the eligibility requirements. 

Here are some common eligibility criteria that usually apply while purchasing travel coverage for older people: 

Coverage Under Senior Citizen Travel Insurance 

Here is the list of plans you can avail of when purchasing a seniors travel insurance policy –

• Trip Cancellation and Curtailment: If an unusual situation arises, whether related to a medical emergency or on the part of the airlines, the cancellation of flight and hotel bookings are always possible. With a senior citizen travel insurance policy, you can get compensated for the non-refundable amount for your flight and hotel bookings.
• Emergency Medical Expenses: During your entire travel period, the seniors travel insurance will cover you against any medical emergency. Some medical expenses for which cover is provided include hospital-related bills, transportation for care, and treatment.
• Loss of Personal Belongings: In case any of your personal belongings like wallet, passport, luggage, or visa get stolen or lost, you would be able to get coverage from your seniors travel insurance to recover these items or arrange for replacements. 
• Personal Accident Cover: Accidents and bodily injuries, which can happen anytime during a trip, may often require considerable funds for treatment. In such cases, a senior citizen travel insurance plan can help you get the necessary treatment without any major expenditure on your side, which can help you save money.
• Personal Liability Cover: In case you are responsible for any third-party liabilities during the trip, seniors travel insurance can come in handy as it can cover the liabilities as well as the legal fees involved.
• Delayed Departure: In case your flight gets delayed due to any technical fault or bad weather, your insurance provider can provide you with the necessary compensation.
• COVID-19 Coverage: Travel insurance companies also offer COVID-19 coverage to provide relevant medical assistance in case the policyholder is affected by the disease. 

What is Not Covered in Senior Citizen Travel Insurance? 

Some coverages that are generally not included under the seniors travel insurance are as follows –

• Pre-existing health issues
• Claiming insurance after visiting a place that had previously been advised against due to reasons like epidemic diseases, terrorism threats, and more
• Damages, injuries, or liabilities incurred when under the influence of drugs or alcohol 
• Claims brought due to inadequate vaccinations as per the location of the trip

Senior Citizen Travel Insurance Claim Process 

Here are the key steps involved in the process of filing a claim for seniors travel insurance –

• Claim for Stolen or Theft of Personal Belongings- File a report at your nearest police station immediately after the incident occurs. The next step is to inform your insurance company about the loss incurred. You can then proceed by filling out the claim form and submitting all the relevant documents including the police report to the provider. If your claim is approved, you will receive a reimbursement from your provider.
• Claim for Emergency Medical Expenses – Reach out to your insurance provider the moment you need any emergency medical assistance. Go to a nearby network of healthcare centres and submit your insurance-related documents. Once your insurance-related details are successfully verified, the treatment will start and the insurance company will cover the medical expenses.
• Claims for Travel Inconvenience – As part of reimbursement claims, it is possible to make a claim with respect to trip cancellations, flight curtailments and delays, and more. In such cases, you can connect with your insurance provider and intimate them about the situation at hand. Make sure that you have all the essential documents such as tickets for flights and confirmations for hotel reservations.

How to Buy Senior Citizen Travel Insurance? 

Buying suitable travel insurance for senior citizens can be challenging, as the number of options is less compared to regular travel insurance plans. With policybazaar.ae, however, you can easily get cheap travel insurance for seniors and have the best plan on your side. 

All you need to do here is visit the official website of Policybazaar UAE and navigate to the ‘travel insurance’ section. Fill up the lead form with the relevant details to get the best travel insurance for senior citizens quotes. A list of plans will appear on your screen. Go through them and compare them as per their inclusions and exclusions, premiums, and more. Additionally, you should look for the add-on offered by the respective company. Based on this comparison, you can select a plan for yourself and apply for it in an instant. 

Why Buy Seniors Travel Insurance from Policybazaar.ae? 

As the best and fastest-growing insurance aggregator in the region, Policybazaar UAE offers a plethora of benefits to its users for purchasing travel insurance plans. Here are the major benefits – 

• Our website is designed such that visitors can easily navigate through it and find the required details and plans without any hassle 
• You can compare the best plans from the leading travel insurance providers in just a few clicks from the comfort of your home
• Our offers and discounts ensure the availability of the best plans at the most reasonable premiums
• Customer care representatives of policybazaar.ae are available round the clock to resolve your queries
• Our insurance experts can help you select the best travel insurance for senior citizens

With all these mentioned benefits, the whole process of selecting, comparing, and purchasing seniors travel insurance becomes trouble-free and requires minimal effort on your part.

Factors to Consider Before Buying Travel Insurance for Senior Citizens 

When you are purchasing senior travel insurance, you should consider the following factors: 

Age Limit

Check the age criteria of the policy, as senior citizen plans often have age restrictions (e.g., 60–85 years, depending on insurers).

Look for Coverages 

It’s important to check the coverages of your travel insurance plan including medical expenses, trip interruptions, baggage loss/damage, personal liability, and other major ones. 

Geographical Restrictions

Ensure that your travel plan covers the intended travel destinations and is valid for multiple countries, as many travel coverages have geographical restrictions.

Policy Exclusions

Carefully review the exclusions to understand what is not covered under your travel policy. Many insurance providers do not cover pre-existing medical conditions or high-risk activities. 

Premium Costs

Compare premiums and travel coverage offered by various insurers to make an informed decision. Avoid sacrificing critical coverage for a low cost as this might lead to further complications. 

Ease of Claim Process

Choose a senior citizen travel insurance plan with a straightforward and efficient claims process, ideally with online claim filing.

To understand the finer details of senior citizen travel insurance in the UAE, have a look at the FAQs below – 

Senior Citizen Travel Insurance FAQs