Old age is the time when retired citizens of the country love to travel. It’s the time when they are free from family and career responsibility, and can now finish their bucket list. But, before making the world your oasis, it is important to be pragmatic as the fact is old age comes with its own set of health risks.
You may not be aware, but there might be an underlying ailment that may cut short the trip. Or, something unexpected can happen during the journey which may require immediate medical attention. Seniors insurance for travel will cover you from unnecessary medical exigencies while you are getting treated by the best team.
In this post, let’s explore eight reasons senior travel insurance is a blessing in disguise.
1. Customised Protection till the Age of 89
It can be an eye-opener for many, but it is a fact that there are many travel insurance plans that can be obtained till the age of 89. The primary travel insurance does not accept travellers beyond 60, but seniors travel insurance can be taken till the age of 89.
2. Cashless Admission at the Time of Medical Emergency
In case of any medical emergency in a foreign country, one should not be left untreated due to a lack of cash. There are a few senior travel insurance that covers cashless hospitalisation of the insured in-network hospitals.
3. Inclusion of Pre-existing Ailments
Considering the age factor, many seniors are suffering from minor or major health issues that need constant supervision. There are specific travel insurance plans that cover pre-existing ailments including the life-threatening ones.
4. No Complete Medical Check-up
Don’t be surprised; it is true that there are some travel insurance covers that don’t need a prior medical check-up. It is done to fast-track the transaction as most senior citizens shrug away from getting insured because of the hassle of medical check-up. But, it is essential to check whether it covers pre-existing ailments or not.
5. Loss or Theft of Luggage
Did you know there are a few senior travel insurance covers that cover house burglary while you are travelling? Also, there are some insurance that pays emergency cash and cover loss of luggage and passport, if there was no police complaint lodged. It is an ideal cover for seniors as they tend to misplace luggage or passport.
6. Unexpected Delay or Cancellation of your Trip or Flight
The insurer will be compensated for the additional expenses in case of delay or cancellation of trip. In case of delay, compensation will be given if the delay is for than 12 hours. It also includes delay in connecting flights for more than three hours. However, it is essential to note that the reason for delay or cancellation should be a natural disaster, medical emergency or airline issue. There would be no compensation if the insured missed the flight due to the insurer’s negligence.
7. Emergency Landing or Evacuation
In case of emergency evacuation due to ill-health of the insured or political distress or natural calamity on the destination, the insurer will be compensated. It also included the hijack clause; if the plane is hijacked for more than 12 hours, then the insurer will be given distress allowance.
8. Insured Mortal Remains
Although nobody wants to think of sudden demise during the trip, this is a risk one needs to cover in case of senior citizens. Seniors travel insurance cover the repatriation of mortal remains of the insured. The sound of it sounds unpleasant, but it is possible to cover as there can be chances of loss of mortals in transit or from morgue.
Keeping these points in consideration, one can choose the best insurance plan for the upcoming trip and enjoy to the fullest. Old age is no reason to stop living your dreams; in fact with travel insurance you can insure your life and fulfill all your desires.