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Senior Citizen Travel Insurance (with COVID-19 covered*)
Let’s get your trip off to a safe start!
Travel and wanderlust don’t have any kind of age limit, so we believe travel insurance shouldn’t either. Our senior citizen travel insurance plans provide cover for individuals above the age of 71, allowing them travel the world and experience amazing new cultures well into their 80s and beyond. After all, why should young people have all the fun?
Our senior citizen travel insurance policy puts the needs and requirements of senior citizens at the forefront. These policies are built keeping in mind the problem that senior citizens face while traveling. We also have a dedicated helpline number for senior citizens, ensuring that they can get their claims settled as quickly as possible to minimise disruptions on their trip. From delayed luggage to lost passports or being detected with COVID-19* that requires hospitalization, our senior citizen travel insurance plan will be with you at every step of the journey – literally and figuratively!
*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply
Features Of TATA AIG’s Senior Citizen Travel Insurance
Your International Senior Citizen Travel Insurance Policy Provides You With Safety And Comfort While You’re Abroad. Here’s A Look At The Features You Can Enjoy When You Purchase A TATA AIG International Senior Citizen Travel Plan:
Cover For Accidents And Illnesses
Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill and require hospitalization. But that isn’t all. An accident could lead to a short hospitalisation or end up being fatal. Whatever happens, our international senior citizen travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international senior citizen travel insurance policy will even provide cover for emergency dental services, if required.
Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our senior citizen travel insurance plan will be there for you.
Baggage Loss Or Delay
If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international senior citizen travel insurance policy will help you deal with the cost of of reimburse you for the cost of your lost luggage.
If you’re involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international senior citizen travel insurance policy will help take care of the cost of necessary medical expenses or repairs.
If you happen to be hospitalised abroad when your international travel insurance is set to expire, we’ll extend it for another 60 days or until you’re discharged, whichever is lesser. If your flight home is delayed and there’s no other way for you to get back home, we’ll automatically extend our cover for another 7 days, so you don’t have to worry about travelling without insurance.
Advantages Of TATA AIG International Senior Citizen Travel Insurance
When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & require hospitalization
Our international senior citizen travel insurance policies start at just INR 188 per day! That’s a small price to pay for care-free travel!
Dedicated Claim Helpline
If they require help at any time, insured senior citizens can call 1 800 22 99 66 to file a claim or get additional support while overseas.
Cover For All Ages
No matter how young at heart you are, we will cover your travels abroad
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What’s Covered Under TATA AIG’s International Senior Citizen Travel Insurance?
Our Overseas Senior Citizen Travel Insurance Policy Will Help Take Care Of Elderly Travellers In A Number Of Situations!
Landing up somewhere without your personal belongings, especially medication, can be a harrowing experience for senior citizens. We make it easier to manage with these covers:
Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our senior citizen travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.
Having your bag delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our international senior citizen travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.
A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.
Your senior citizen travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our international senior citizen travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.
If you’ve been involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our Senior Citizen travel insurance policy will help take care of the cost of necessary medical expenses or repairs.
Losing your passport is a harrowing experience & obtaining a new one in a foreign country is equally stressful. Senior Citizen travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.
We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our senior citizen travel insurance plan will help you deal with:
Your senior citizen travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities.
Emergency Medical Evacuation
Your senior citizen travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, your international senior citizen travel insurance policy will look after that as well.
Accidental Death and Repatriation
We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international senior citizen travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to India.
*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.
What’s Not Covered Under TATA AIG’s International Senior Citizen Travel Insurance?
Our overseas senior citizen travel insurance policy will help take care of elderly travellers in a number of situations!
Unfortunately, some things are out of our hands. Here’s a look at a few situations where we’ll be unable to help:
- The insured individual commits or attempts to commit suicide, intentionally harms themselves or needs to be treated for sexually-transmitted diseases, mental or nervous disorders, AIDS, HIV, anxiety, stress or depression.
- Any injuries sustained while serving as a member of the armed forces will not be covered.
- Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.
- Involvement in illegal activities, including felony, theft, deceit or other malicious acts.
- In cases where the insured individual is learning to operate an aircraft or is performing duties as a member of the aircraft crew, losses and damages will not be covered.
- Losses caused by a war or war-like situation, including a civil war, invasion, insurrection, revolution or due to the act of a foreign enemy will not be covered.
- If a loss is caused due to the use of military force and equipment to intercept or prevent a suspected act of terrorism, it will not be covered.
- Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
- Claims will not be settled if you undertake manual labour or work that could potentially harm you or be dangerous for your health.
- If you suffer from a complication or require assistance due to a congenital anomaly, the medical bills will not be covered.
- If the insured suffers from osteoporosis, or gets a fracture in an area where a pre-existing condition has weakened the bone, we will not be able to provide cover for the treatment.
Things to Remember for Senior Citizens while Travelling Abroad
Senior citizens today are taking the travel world by storm, jet-setting across the globe to explore new places or visit their loved ones. If you’re over the age of 70 and planning a trip abroad, here’s a look at some important things to keep in mind:
Time The Trip Perfectly
The timing of a trip is always crucial, but when senior citizens are involved, it’s all the more necessary to ensure that everybody has a comfortable journey. Make sure the weather at the destination is not too hot or too cold. Extreme weather conditions could lead to medical issues, which could end with a hospitalisation. Of course, with a senior citizen travel insurance policy, we’ll help take care of the medical costs that come with being hospitalised, but it’s always better to be safe than sorry.
Carry Your Medicines
Many older people take medicines and supplements every day to keep their health issues in check. While travelling, it’s important to carry all your regular medicines with you so you don’t have to shell out a lot of money to purchase medication in a foreign country. It’s also important to carry your required medicines so that you don’t need to seek treatment for a pre-existing disease. In most cases, your senior citizen travel insurance policy will not help you deal with the costs of treatment for an existing issue, but in life-threatening situations, we’ll help take care of those costs as well.
Keep Your Passport Safe
While travelling abroad, you have to keep your documents and especially your passport very safe. Ideally, keep it in the safe of your hotel room or in a secure place wherever you’re staying. You shouldn’t carry it around with you while you’re out and about. Instead, carry a copy with you as proof of your identity. If your passport does get lost, your senior citizen travel insurance policy will help you deal with the cost of getting a new passport.
Buying Senior Citizen Travel Insurance Online
Buying a senior citizen travel insurance policy online on the TATA AIG website is incredibly easy. All you have to do is follow a few easy steps:
If you like, you can read about our various plans and take a look at what each offers. Or, you can decide to purchase senior citizen travel insurance right away.
If you’re heading to multiple cities, don’t worry. We offer plans for that as well. Type in all the cities you’re visiting and how long you’ll be travelling for. We’ll use this information to curate the best domestic travel insurance policy options for you.
If you’re travelling alone, you just need to enter your date of birth. If you’re travelling with family members, you can add them to the same policy. You have the option to add your spouse, children and parents. Let us know who you’re travelling with and their dates of birth. All individuals above the age of 71 will be provided with separate coverage amounts and limits, as per our senior citizen travel insurance policy. All travellers below the age of 71 will be covered by our regular international travel insurance policy.
We’ll provide you with a plan that offers you the kind of cover you need. You can take a look at all the benefits and sum insured amounts offered and then decide whether you’d like your plan to have limited coverage or not. A limited coverage travel insurance plan will have sub-limits, while a non-limited plan will not. If you opt for a plan with sub-limits, the claims you make against different medical issues will be covered only up to the limit specified for that specific issue, regardless of your total sum insured. On the other hand, if you opt for a plan without sub-limits, you can use the entire sum insured as required. We won’t limit how much you can use for specific issues. Use the toggle at the top to see the differences between the two types of travel insurance plans before you make your decision.
The last thing you need to do is provide us with a few more details and pay the premium amount. The minute you do this, we’ll issue your senior citizen travel insurance policy and send a copy to your email inbox!