How many times can we extend the policy?

You can extend your travel insurance policy as many times as you want. However, you can extend your policy only if the total policy is less than or equal to 360 days.

How can I cancel my travel insurance policy?

To initiate the cancellation process, you need to submit the travel insurance policy document, copy of passport, and some more documents.

Do I get a grace period for my travel insurance policy?

Yes, you can get a grace period on your travel insurance policy. To do so, contact our representatives or write to us at customersupport@icicilombard.com.

Can I buy travel insurance after leaving the country?

No, you cannot purchase travel insurance once you have started your trip. The policy's purchase date, as well as the policy's commencement date, must be before the start of your journey.

What is the validity period of travel insurance?

The validity of your travel insurance depends on your trip duration. It usually starts from your date of departure and ends when you return. For more details, read the policy documents.

What happens if my travel insurance expires?

You will no longer be covered for different travel and medical-related contingencies, including trip cancellation, loss/delay of checked-in baggage and medical emergencies, once your travel insurance expires. You should always ensure that your travel insurance covers the entire duration of your trip abroad.

What is accidental death coverage in travel insurance?

Accidental death coverage offers a lump sum amount in the unfortunate event of your (insured’s) death or disablement while mounting, dismounting or travelling in a common carrier/public carrier.

Do I need to buy travel insurance for short trips as well?

Yes. It is always good to be insured against the unpredictable - like lost passport/baggage or medical emergency. Travel insurance will help you tackle such situations with ease.

Is travel insurance mandatory for everyone?

Travel insurance is mandatory when you want to visit certain countries (like Schengen countries). However, it is highly recommended to have travel insurance to secure yourself against travel-related risks.

Will my travel insurance cover any pre-existing disease?

Our TripSecure+ travel insurance provides coverage for pre-existing conditions via the Pre-existing disease add-on cover.

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What is travel insurance?

Travel insurance is a type of insurance policy that safeguard your travel from various uncertainties, including medical emergencies, baggage loss, flight delays and more. It provides financial coverage to help you deal with the various medical and trip-related contingencies that may arise during your trip. Whether you’re travelling abroad to meet your loved ones or for adventure, ICICI Lombard’s TripSecure+ travel insurance is here to keep you covered.

What is travel insurance for senior citizens?

Travel insurance for senior citizens is available for people aged 60 and above. Also known as travel insurance for elderly, this insurance offers financial coverage in the event of passport loss, baggage loss/delay, medical emergencies and more. Whether it's a vacation or visiting family, senior citizen travel insurance ensures the elderly can enjoy their journey with complete peace of mind.

Importance of senior citizen travel insurance

Travel insurance for senior citizens is essential because of various reasons. Some of them are:

Meet hospitalisation expenses

Seniors are more prone to health issues. A sudden fever, fall or existing condition flaring up during a trip can lead to high medical bills. Travel insurance for elderly ensures they get the care they need without worrying about costs. This is especially helpful when travelling to countries where medical treatment is expensive.

Covers lost belongings

Losing luggage or important documents can be pretty stressful for seniors. Travel insurance for senior citizens offers a financial cushion during such mishaps. It also makes the process of getting emergency support much smoother. This means seniors can focus more on their trip and less on managing problems.

Peace of mind

Families worry when the elderly travel alone or even with a group. Senior citizen travel insurance reduces that worry. Everyone feels more confident knowing there’s a backup plan if something goes wrong. It brings comfort to seniors and their families.

Features of senior citizen travel insurance

Here are some sailent features of travel insurance for senior citizens:

Medical expenses cover

Travel insurance for elderly helps cover medical expenses for seniors. It covers hospitalisation expenses for illness or injury. Additionally, it offers medical evacuation and emergency dental care for sudden pain or accidents that may crop up during the trip.

Baggage and personal effects cover

The baggage and personal effects cover reimburse cost of lost checked-in baggage. That's not all. It also pays automatically if the baggage gets delayed beyond the specified time as per the policy's terms and conditions.

Trip cancellation cover

Suppose you had to cancel your trip due to unexpected situations like sickness or natural calamities. Worry not. With our travel insurance, you’re covered for trip cancellations as per the policy’s terms and conditions.

Add-ons on offer

Senior citizen travel insurance offers various add-on covers that you can add to the base policy for enhanced coverage. Some add-ons on offer are pre-existing disease cover add-on, electronic equipment add-on, etc.

Things to consider while buying a senior citizen travel insurance

Before you purchase travel insurance for senior citizens, be mindful of:

1

Age and eligibility criteria

Before purchasing a travel insurance plan for senior citizens, always check the age limits. Insurers can have different premium slabs based on age brackets. Ensure the policy you choose fits your age and has no hidden age-related restrictions.

2

Pre-existing medical conditions

This is one of the most crucial aspects to look into. Not all policies cover pre-existing conditions. Also, those that do might have specific terms or waiting periods. Be transparent while declaring any existing health issues. Hiding them can lead to claim rejection later.

3

Policy exclusions and limitations

Go through the policy wordings to know the exclusions and limitations. Knowing these exclusions helps avoid unpleasant surprises later. If you are unsure about something, seek clarification from the insurer without hesitation.

4

Customer support and claim process

When buying travel insurance elderly, don’t underestimate the importance of responsive customer support. Check if the insurer offers round-the-clock help and if their claim process is simple and well-rated. Delays in claim processing can be stressful for seniors.

What’s covered and not covered under senior citizen travel insurance?

Inclusions
Exclusions

Exclusions

Events before the trip starts or after it ends
Fraudulent claims, false declarations, or wilful damage by the insured
Traveling against medical advice, awaiting specific treatments, with terminal prognosis
Intentional self-injury, suicide, or intoxication
Involvement in murder, assault, or criminal acts
Anxiety, stress, depression, or venereal diseases
Injuries from criminal acts by the insured

How to buy senior citizen travel insurance online?

To purchase travel insurance for senior citizens online:

Click here to go to our official website, where you’ll find all our insurance products and services.
On the homepage, select ‘Travel Insurance’ under ‘Travel Insurance’ to access travel-specific plans.
Select your destination by choosing the region and country.
Provide your departure and return dates to define your policy coverage period.
After filling in the travel details, click ‘Continue’ to move forward in the process.
Follow the instructions to complete the form and make your premium payment. Once done, we'll issue your policy.

Senior citizen travel insurance claim process

To make a claim from travel insurance for elderly:

Inform us about the claim
Submit required documents
We’ll evaluate your details and

Documents required for claim process

The documents required to raise a claim under senior citizen travel insurance can vary depending on the type of coverage you are claiming for. Each coverage section in the policy has its own set of required documents to establish the validity of the claim. It's important to note that missing or incomplete documentation can lead to delays or even rejection of the claim. Therefore, go through the policy wordings carefully to understand the exact documentation needed for each type of claim.

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Frequently asked questions

Why do senior citizens need travel insurance?

Seniors may be more vulnerable to health issues and travel disruptions. Travel insurance offers peace of mind by covering unexpected medical expenses, hospitalisation, loss of baggage, and more.

Is medical check-up mandatory for senior citizen travel insurance?

It depends on the insurer and the age of the traveller. Some policies require medical tests for applicants above a certain age.

Is trip cancellation covered under this insurance?

Yes, most senior citizen travel insurance policies cover trip cancellations due to medical emergencies or personal reasons, depending on the policy's terms and conditions.

Are adventure sports covered in senior citizen policies?

Usually, adventure sports are excluded, especially for senior citizens due to higher risks. If you plan such activities, look for add-ons that cover such sports.

How much does senior citizen travel insurance cost?

The premium depends on factors like age, destination, trip duration, health condition and the coverage amount.

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Senior citizen travel insurance