Senior Citizen Travel Insurance Starting at just ₹582*
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Up to $500,000 Coverage
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Baggage & Passport Cover
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Trip Cancellations Covered
Senior Citizen Travel Insurance for Safe and Stress-Free Trips
A senior citizen travel insurance policy provides financial protection for travellers aged 61-90. It covers various risks, such as emergency hospitalisations, baggage losses, flight cancellations, passport loss, and trip delays.
With common health issues like diabetes, neck and back pain and heart issues, senior citizens may need multiple doctor visits, increasing the need to secure their trip with IndusInd senior citizen travel insurance (formerly known as Reliance senior citizen travel insurance).
Whether you’re an NRI looking to bring your parents over for a long-awaited reunion or a retiree eager to put that retirement fund to good use, our senior citizen travel insurance plan is designed to support your journey every step of the way. You can easily buy our plan online – no medical check-ups required.
With premiums starting at just ₹582*, we make all-around coverage more accessible so your adventures have no age limit.
What is Senior Citizen Travel Insurance?
Senior citizen travel insurance is a specialised insurance plan designed for individuals aged 60 and above travelling domestically or internationally. It provides financial protection against unexpected events such as medical emergencies, trip cancellations, baggage loss, or passport loss while travelling.
For example, if you are a 67-year-old man, travelling with your wife to Europe and suddenly experience chest pain, it can be very stressful. A senior citizen travel insurance plan can help pay ER bills without worrying about gathering funds or paperwork. It offers a sense of reassurance to you and your family back home.
Regular travel insurance generally caters to younger age groups with fewer health risks. In contrast, senior citizen travel insurance focuses on the specific needs of older travellers. It usually includes higher medical coverage, coverage for pre-existing diseases, and emergency evacuation if required.
This type of insurance ensures convenience for elderly travellers and their families. It addresses the higher risks linked to age and health during travel, especially when travelling alone or to distant countries. IndusInd senior citizen travel insurance offers cashless hospitalisation, 24/7 assistance, and access to a large global network of hospitals.
Why Do Senior Citizens Need Travel Insurance?
Among the senior citizens who enjoy travel, approximately 42% relate it to joy, 38% want to explore more and 6% believe it is a way to maintain purpose in their lives. However, travelling after 60 can also come with certain risks. New languages, unfamiliar customs, and unknown surroundings can feel stressful while travelling abroad. Even a small emergency like delayed luggage can cause a lot of undue stress, since it means being without your essentials for a while. Senior citizen travel insurance helps reduce those risks so older travellers can enjoy their trips conveniently. Here is why it is essential:
Health Risks & High Medical Costs Abroad
As we grow older, our bodies respond differently to health challenges. Even a small issue can turn serious quickly, especially when travelling. Healthcare expenses in countries such as the USA, the UK, or Australia are also extremely high. A simple hospital visit can cost lakhs. Having travel insurance means you can access medical care without delay and without the stress of high costs for hospitalisation, doctor visits, and emergency treatments.
IndusInd Benefit:
- Up to $500,000 sum insured
- Cashless medical claims
- Dental treatment covered
Sudden Travel Emergencies
Things can go wrong when you least expect them, like a cancelled trip due to sudden illness, flight delays, or airlines losing your luggage. All of these can lead to a lot of stress and financial loss, which can eat into your retirement funds. Travel insurance covers you financially by offering support and reimbursements where possible. And it’s all settled cashlessly if you buy from us!
IndusInd Benefit:
- Quick access to support via the mobile app. Just tap “InstaClaim”.
- Reimburses non-refundable expenses like hotel bookings, flight tickets, etc., for cancelled trips.
- Separate payouts for flight delays and missed connecting flights.
- Luggage loss and delays over 12 hours are covered.
Coverage for Pre-Existing Diseases
Many senior citizens have ongoing health issues like diabetes, arthritis, or heart conditions. And travelling with pre-existing conditions like these requires extra planning and precautions to ensure you have a plan if you do run into a health emergency. That’s why our travel insurance plans offer coverage for pre-existing conditions, which is helpful during international travel.
IndusInd Benefit:
- PED coverage
- No medical check-up during purchase
- Daily cash payout for hospitalisation
Loss of Passport, Travel Documents & Belongings
If you lose your travel documents, such as your passport or visa, this feature helps cover the cost of replacement. It also offers compensation for the loss of personal belongings like your wallet or bag, so you can continue your journey without added stress.
IndusInd Benefit:
- Payout for passport reissue costs
- Helps direct you to the nearest Indian Embassy
- Emergency cash payout for loss of personal belongings
Compassionate Visit or Family Companion Cover
If you are hospitalised overseas for an extended period during your trip, the insurer will cover travel expenses for an immediate family member to join you. Our policies even allow you to add a family companion from the start, ensuring emotional and physical support when you need it most.
IndusInd Benefit:
- Pays for the return fare for a family member/doctor
- Covers multiple people under a plan
Personal Accident & Liability Cover
If you get accidentally injured while travelling, your travel insurance can step in to support you financially. It will also cover legal and repair costs if you accidentally damage property or cause harm to another person. This cover protects from unexpected situations and high compensation payouts.
IndusInd Benefit:
- Personal liability payout up to $250,000
- Personal accident payout up to $30,000
Whether you are looking to visit the country of your dreams or your children are settled in the UK, US, or Australia, with customised plans under IndusInd Senior Citizen Travel Insurance, keep yourself safeguarded against any unforeseen events.
Cashless Medical Claims*
Go cashless at any hospital overseas!
24x7 Global Assistance*
Emergency support everywhere
AI-Powered Our App*
Quick processes and 24/7 support
Flight & Baggage Loss Covered*
We cover delays, loss & cancellations
IndusInd Senior Citizen Travel Insurance Coverage
This table lists key benefits and coverages of our Senior Citizen Travel Insurance plans. This plan offers specialised travel and medical protection tailored to their unique travel needs, including medical emergencies, unexpected hospitalisations, and loss of personal belongings.
Key Features | Basic Coverage (in USD) | Maximum Coverage (in USD) |
|---|---|---|
Medical Expenses | $100,000 | $500,000 |
Personal Liability | $100,000 | $250,000 |
Personal accident | $20,000 | $30,000 |
Total loss of baggage | $1000 | $1500 |
Loss of Passport | $1000 | $1500 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $25/day (Max of 6 Days) | 60/day (Max of 6 Days) |
Dental treatment | $500 | $100 |
Home burglary insurance | $100,000 | $100,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Disclaimer: Get to know the complete details of these plans by going through the policy wording linked here.
Types of Senior Citizen Travel Insurance Policies
Single-Trip Senior Citizen Plans
We offer single-trip travel insurance plans for senior citizens that cover one journey up to 180 days, from departure to return. The policy ends when the insured returns home. It covers medical emergencies, baggage loss, and travel delays for that trip only.
Multi-Trip Senior Citizen Plans
IndusInd multi-trip senior citizen travel insurance covers multiple trips within a year. It is best for frequent travellers. You do not need to buy insurance every time you travel. Each trip is covered for a set duration, typically 30 to 45 cumulative days.
International Travel Insurance for Senior Citizens
Travel Insurance for USA & Canada
IndusInd General Insurance offers specialised senior citizen travel insurance plans for senior citizens travelling to the USA or Canada, where healthcare costs are extremely high. These plans include high medical coverage, emergency hospitalisation, evacuation, and coverage for pre-existing conditions. The policy ensures 24/7 support and cashless treatment at partner hospitals across North America.
Travel Insurance for Schengen/Europe
Senior travellers visiting Schengen countries can use these plans to meet visa requirements. The cover includes at least €30,000 for medical care, as required by the rules. The policy also covers trip cancellation, baggage loss, and personal liability. Seniors stay protected from unexpected events while travelling across multiple European nations.
Travel Insurance for Asia-Pacific
Many Indian seniors travel to Asia-Pacific destinations such as Thailand, Singapore, and Australia. You can pick region-specific senior citizen travel insurance plans with cost-friendly premiums and useful cover. Policies generally include medical care, evacuation, document loss, and trip interruption.
Travel Insurance for the Middle East
IndusInd offers tailored senior citizen travel insurance plans for travel to the Middle East, including the UAE, Oman, and Saudi Arabia. These include coverage for emergency hospitalisation, repatriation, and loss of a passport. With growing medical tourism and frequent family visits to the region, this plan ensures seniors travel safely and confidently.
What’s Covered and Not Covered Under Senior Citizen Travel Insurance
What’s Covered
Medical Emergency: Medical and dental treatment arising out of accidents, along with life-threatening complications from pre-existing diseases.
Personal Liability: Any accidental injury or damage to another person or their property is covered. This includes your legal costs.
Trip and Baggage Delay: Trip delayed due to medical emergencies, bad weather, or security issues. Baggage delays that exceed 12 hours are also covered.
Passport and Baggage Loss: If your passport is lost or stolen during your trip, the policy will help cover the cost of replacing it. Baggage loss is also covered.
Emergency Assist: Emergency cash in case you lose money due to theft or any accident during the trip.
What’s Not Covered
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergency costs while you're overseas except for maternity costs, undeclared PEDs and planned medical treatments.
Negligence & Travelling Against Medical Advice: Your trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered, except for those arising from any legal violations while overseas.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
Easy plans, expert help, zero worry
One Call is all it takes to get complete senior travel safety.
Eligibility Criteria for Senior Citizen Travel Insurance
Parameters | Details |
|---|---|
Age Limits | 61 - 90 years |
Pre-Existing Disease (PED) Coverage | Available for life-threatening complications |
Documentation | Upon request for PED disclosure |
Medical Check-Up? | Not Required |
Senior Citizen Travel Insurance Premiums
What Affects the Premium?
Age
Higher age brackets usually attract higher premiums due to increased health risks.
Destination
Travel to regions with expensive healthcare, like the USA or Canada.
Trip Duration
Longer trip durations increase the risks and result in higher premiums.
Medical History
Existing or past health conditions influence premium calculation.
PED Cover
Opting for pre-existing disease cover increases the overall premium.
Add-ons
Add-ons, such as companion cover or trip cancellation, increase the premium.
Sample Premium Calculator Breakdown
How to Choose the Best Senior Citizen Travel Insurance?
When choosing the best travel insurance plans for senior citizens, focus on key criteria that ensure comprehensive protection and confidence during travel.
High Medical Cover
Senior citizen travel insurance plans with generous medical limits are essential, especially for international trips. These plans should offer substantial coverage for hospitalisation, emergency treatments, and ambulance services. High limits help avoid large out‑of‑pocket expenses in countries with costly healthcare systems. For instance, we offer sum insured options up to $500,000.
Pre‑Existing Disease (PED) Cover
The ideal senior citizen travel insurance plan includes PED cover or an add‑on option for chronic conditions such as diabetes, hypertension, or heart disease. Ensure the policy clearly states waiting periods and documentation requirements to avoid later claim disputes. At IndusInd, you get PED coverage for life-threatening complications and medical emergencies.
Worldwide Coverage
For frequent travellers or those visiting multiple regions, choose senior citizen travel insurance policies with worldwide protection. These plans include destinations such as the USA, Canada, Europe, and other global regions under one policy, offering consistent benefits across borders. For instance, we cover 170+ countries and multi-destination trips.
Companion Cover
Senior travellers often prefer to travel with a spouse or family member. Plans with companion or family coverage allow both travellers to benefit from shared features such as emergency assistance, evacuation, and trip interruption support. Under our plans, you can add up to 4 family members.
Claim Support and Assistance
Evaluate the insurer’s claim process, availability of 24/7 assistance, and local support abroad. Look for clear claim timelines, simple documentation requirements, and dedicated senior citizen helplines for faster resolution. At IndusInd, we offer 24/7 access to all these services via our helpline and the IndusInd Insurance app.
Network Hospitals Abroad
Verify the insurer’s international network of hospitals in your destination country. A wide cashless hospital network ensures smoother admissions and faster treatment without immediate payment pressure. This becomes critical during emergencies in unfamiliar locations. At IndusInd, we offer cashless claims at any hospital overseas, so no more fussing over lists. Just visit your nearest hospital and file a claim via our app.
Travel Frequency and Policy Type
Choose between single-trip or multi-trip plans based on travel frequency. Frequent travellers benefit from annual multi-trip policies, while occasional travellers may prefer single-trip coverage for cost efficiency and tailored protection. For example, if you visit your children or grandchildren overseas multiple times a year, we recommend getting our annual multi-trip policy, since it’ll be cheaper in the long run.
How to Buy Senior Citizen Travel Insurance Online?
Visit our Website
Scroll up to the top of this page, and go to the calculator to begin.
Pick Travel Type
Enter your trip details and contact information > Click on “Get Quote.”
Choose Coverage
Select the required sum insured (SI) > Click on “Buy Now”.
Make Payment
Enter your KYC details > Make the payment > Get your policy in minutes.
Senior citizen travel insurance starting at just ₹582*!
Because age shouldn't limit adventure
Experience knows no borders, nor should your protection. Get IndusInd Senior Citizen Travel Insurance so you can secure your journey wherever you go.
Documents Required to Buy Senior Citizen Travel Insurance
Valid ID Proof - Valid government-issued ID, such as an Aadhaar card, PAN card, or voter ID.
Passport - A valid passport with at least six months’ validity covering the entire travel duration.
Confirmed Travel Dates - Confirmed travel dates, including departure and return details for the planned trip.
Recent Medical Reports - Recent medical reports or health declarations, if required based on age or health history.
Duly Filled Proposal Form - Duly filled proposal form with accurate personal, travel, and medical information.
Claim Process for Senior Citizen Travel Insurance
Filing a claim under your IndusInd travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your app and tap “InstaClaim”.
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in
General Documents
Travel Documents & Claim Form: Your original ticket, boarding pass or a copy of your passport indicating the travel dates. Duly filled and signed claims form.
For Medical Claims: Medical bills, test reports, discharge summaries, etc. They need to show your name and treatment date, the type of illness and details of the items used for medical treatment.
For Theft & Emergency Cash: A Police Report obtained within 24 hours of the incident. For theft, the report needs to be obtained within 24 hours of you knowing when the item has gone missing.
Passport Loss: Original bills/receipts of costs for a new/fresh passport.
Additional Documents
Total Loss of Checked-In Baggage: A Property Irregularity Report or other report issued by the airline. You also need to submit proof of ownership of lost items worth more than US$100.
Delay of Checked-In Baggage: Original bills of emergency items purchased, and the Property Irregularity Report from the airline stating the date and time of arrival of the delayed baggage.
Flight Delays & Missed Connections: Confirmation from the airline, with the scheduled arrival time and the actual arrival time. The reason for the flight delay needs to be mentioned, and all original bills for costs.
For Third Party Liability: A police report and proof of judicial decision.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.
Senior Citizen Travel Insurance vs Regular Travel Insurance
Feature | Senior Citizen Travel Insurance | Regular Travel Insurance |
|---|---|---|
Coverage | Specially for age-related risks and medical emergencies | General travel-related coverage for all age groups |
Age Limits | Starts from 60 years, often segmented into age brackets | Usually covers 18 to 60 years |
Premium Factors | Higher premiums due to age, medical history, and PED cover | Lower premiums, fewer health-based risk factors |
Medical Benefits | Includes higher medical cover, PED coverage, and hospitalisation | Basic emergency medical cover, PED mostly excluded |
Why Buy Senior Citizen Travel Insurance from IndusInd?
Senior-Focused Policies
IndusInd offers travel insurance plans specifically designed for senior citizens, keeping their age-related needs in mind. The plans often include higher entry age limits, flexible health disclosures, and coverage for pre-existing conditions, depending on the plan selected.
High Medical Coverage
IndusInd General Insurance provides generous medical coverage for hospitalisation, emergency treatments, and medical evacuation abroad. This is especially important for older travellers visiting countries with expensive healthcare systems.
Strong Global Tie-Ups
With partnerships across international hospital networks and assistance providers, IndusInd ensures quick access to quality healthcare services abroad. The global tie-ups also support services like cashless hospitalisation and on-ground medical help.
Fast and Transparent Claim Service
IndusInd offers an easy-to-follow claim process with 24/7 assistance. Seniors or their family members can file claims without unnecessary delays. Our claim support team helps with documentation to ensure a quick response time.
Added Support Services
IndusInd plans often include benefits like compassionate visit, emergency evacuation, trip delay cover, and personal accident protection. These value-added services provide all-around protection and confidence during travel.
Travel Tips for Senior Citizens
Consult Your Doctor Before Travel
Always check with your doctor before planning a trip. Get medical clearance, especially for international travel or long flights.
Carry All Essential Medications
Pack prescribed medicines for the entire trip, along with extra doses in case of delays. Store them in hand luggage for easy access.
Keep a Doctor’s Note
Carry a signed note listing your medical conditions, medicines, and special care instructions for airport checks and medical emergencies abroad.
Check for Oxygen Support in Advance
If you need oxygen or mobility assistance, inform the airline in advance. Book medical support early to avoid last-minute issues.
Stay Hydrated and Eat Light
Drink water during travel to prevent dehydration. Also, avoid heavy meals before and during the journey to stay comfortable.
Wear Comfortable Clothing and Footwear
Choose loose, breathable clothes and slip-on shoes to ease movement through airports and during long flights.
Use Senior-Friendly Travel Aids
Carry walking sticks, support belts, or lightweight wheelchairs if needed. Choose hotels and transport with lifts or wheelchair access.
Move Around During Long Flights
Stretch your legs and rotate your ankles regularly to reduce the risk of stiffness in flight.
Helpful Resources for Senior Travellers
Official Visa Information Portals
Visit the embassy or consulate websites of your destination country for the latest visa rules, documentation needs, and application timelines. Some countries also offer senior-specific visa guidelines to ease the application process.
Country-Specific Healthcare Rules
Check the official health department or tourism websites of the country you are visiting. Look for information on accepted health insurance, emergency contact numbers, vaccination requirements, and public vs private hospital access.
Senior Travel Checklists
Senior travellers should carry a simple checklist to organise important documents, daily medicines, and also note down assistance needs. It will avoid forgetfulness, reduce stress, and have a more relaxed travel experience.
IndusInd Travel Insurance Support
Use IndusInd General Insurance’s travel insurance helpline for guidance on policy benefits, claims process, and pre-travel queries. We also assist with hospital facilities and offer 24/7 support during your travel.
Local Emergency Services Information
Note down the local emergency helplines (ambulance, police, and embassy contacts) of the country you are visiting. Keep this information handy in your phone or travel wallet for instant access in urgent situations.
Travel Safety Apps
Travel safety apps keep you informed about health advisories, emergency alerts, and local guidance. Installing trusted government apps helps travellers stay prepared and feel more confident during the trip.
Airport and Airline Assistance Services
Check out airline websites for senior assistance services such as priority boarding, wheelchair access, medical device clearance, and check-in support. You may also pre-book these services to ensure a smooth journey.
How is IndusInd Senior Citizen Travel Insurance Better?
How is this product better than any other plan?
| Features | IndusInd Senior Travel Plan | Insurer A | Insurer B |
|---|---|---|---|
Medical Expenses | $500,000 | $500,000 | $500,000 |
Personal Liability | $250,000 | $100,000 | $100,000 |
Baggage Loss | $1,500 | $500 | $750 |
Loss of Passport | $300 | $250 | $250 |
Trip Cancellation | $600 | $500 | $500 |
Personal Accident | $30,000 | $15,000 | Not Available |
Key Takeaways
According to the latest data, almost 30% of all outbound international travellers are aged 45 or older, of whom 15% are aged 55 or older. In addition, over 38 countries have now mandated travel insurance for all visitors. This highlights the growing need for senior citizens to secure their international trips with a valid senior citizen travel plan to be eligible.
IndusInd General Insurance (formerly known as Reliance General Insurance) offers a specialised travel plan for senior citizens, available with high sum insured options up to $500,00*, starting at just ₹582*. We ensure that your international trip is packed with adventure and fun activities while we take care of any pre-existing or sudden medical needs and travel issues.
With us, you get trip and medical coverage, daily hospital cash allowance, round-trip tickets for a family member in case of emergencies and 24/7 support via our app. So, don’t let age hold you back, grab your passport and start planning today!
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