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how-a-senior-citizen-travel-insurance-plan-can-help

If there’s any bug bite that no one has a problem with it, it’s the travel bug. Travelling is a great experience for the soul, young and old alike. Unfortunately, not all old souls get to enjoy the comforts of travelling and vacationing. When it comes to senior citizens, travelling poses many risks. Be it health, finances or logistics of it all, a vacation can be quite a stressful thing for them. A great remedy to make travelling with elders easier is a comprehensive senior citizen travel insurance plan.

What is a senior citizen travel insurance plan?

Travel insurance is an policy that provides you financial and emergency medical protection during your travels. It is a great way to ensure that you are prepared for an unfortunate situation like loss of baggage, medical emergencies, flight delays, travel accidents, etc.

A senior citizen travel insurance plan is designed solely to cater to the needs of senior citizens aged 60 years and above (the age limit varies from insurer to insurer). These plans cover several age-related and health-related risk-factors that are not covered by a normal travel plan.

Elderly travelers do carry a lot more risk than a younger individual. Hence, the premiums charged for senior citizen travel insurance plans are higher than a normal plan. However, travelling without such a plan could be more damaging to your wallet, in case there’s an emergency abroad.

What are the benefits of such a plan?

Whether you’re a senior citizen yourself or have old parents and grandparents who wish to travel, here’s how a senior citizen travel insurance plan can help you:

  • * Customized coverage: One of the biggest benefits of buying this plan is that it caters to problems faced solely by elderly travelers. The coverage offered for this plan is customized to include benefits that would make an otherwise stressful trip a lot easier. A normal plan may not have the same benefits and will, therefore, fail to provide adequate complete protection to the traveler. Some of the coverage benefits that a senior citizen plan has are: pre-existing illnesses coverage, cashless hospitalization, and medical concierge services, to name a few. Coverage may vary based on the insurer.
  • * No Medical Tests: You don’t require medical tests to qualify for travel insurance (Based on plan opted).
  • * Assistance: While travelling, senior citizens may face certain difficulties like itinerary issues, or language problems. To take care of this, most insurance companies have a great team to aid the travelers, no matter the problem.

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