While planning to travel, it is advisable to buy a travel insurance plan. It is one of the no-so popular products in India as people usually don’t plan for unforeseen events such as flight delays, accidents or hospitalisation abroad. It basically covers the travel-related uncertainties and other unexpected expenses incurred while travelling. While travelling abroad, […]
Benefits of buying travel insurance, how to avoid claim rejection. Check details — UPHINDIA
Here’s the Cliffs Note version: It all depends. For some, trip insurance is definitely worth it. But there are caveats. Know what you need, know what you are buying, choose a reputable company, consider other options. If you read my Australia blog posts, you will recall that my husband had a freak accident, which put […]
Trip Insurance–Is it Worth It? — Destination NOW
Neophyte travelers usually have questions when it comes travel insurance. And unexpectedly, experienced travelers may have even more questions. Unfortunately, because the subject is so confusing and coverage expensive or difficult to secure, too many travelers choose to travel without insurance and hope for the best. Not a wise decision! First, what is travel insurance? […]
Travel Insurance — Tyke’s Story
Travel insurance appears to be just another expense that makes travelling even heavier on the pocket. Thus, many travellers disregard it whenever planning a trip. However, there are more upsides to it than downs. Have a look at what you get when you buy travel insurance. Trip cancelled or delayed It is not very uncommon […]
Why Travel Insurance is Vital and You Should Insure Your Every Trip —
We started buying travel insurance once we began traveling with kids. I guess prior to that we believed we were invincible 😉 Although, to be completely honest, back then my medical insurance through work extended to international coverage. Travel insurance, just like any other types of insurance, is something worth getting in case things won’t […]
Travel Insurance?! — ANBA Worldwide
Travelling excites everyone, regardless of age. Many mature people are embarking on overseas and domestic tours after retirement when they are free from obligations. Considering the different risk factors that govern senior citizens, it becomes mandatory to purchase Travel Insurance for Senior Citizens.
Understanding the uncertainties that can occur during traveling, insurance companies have come up with specialized policies for senior citizens to fulfill their every requirement during the trip. Such insurance plans also make them more self-reliant allowing them to enjoy the trip without stress.
Travel Insurance provides services to help senior citizens to face travel-related emergencies. The cost of medical treatment abroad is also tooexpensive. So, it is always a good idea to get travel insurance before starting a trip to avoid financial losses & stresses.
Senior citizen travel insurance offers cashless hospitalization and, if required covers the evacuation cost. It acts as a safety net for senior citizens against mishaps like loss of checked-in baggage or passport, flight cancellation or interruption, personal liabilities, and cover in a financial emergency.
Many insurance companies offer medical concierge services for senior citizens. It also offers cover against exigencies like emergency evacuation, pre-existing illness, accidents, theft, and delay of baggage or legal support during financial losses. There are many plans out there for elderlies that don’t ask for a medical checkup before buying the insurance plan.
Given below are a few pointers to help you compare & shortlist the best travel insurance plans for senior citizens.
Many travel insurance companies offer limited coverage for pre-existing medical conditions. If you are 65 years old senior citizen suffering from a chronic medical existing condition such as Diabetes, Cardiac disease, Arthritis, high BP, etc. go for a travel insurance plan offering coverage for pre-existing medical conditions.
Medical treatments are usually very expensive abroad and senior citizens are prone to illness more likely than others therefore, senior citizens must always select travel insurance plans with higher sum assured. This “sum assured” depends mostly you’re your budget & health conditions.
Travel insurance cost depends upon the travel destination, age of insured, coverage amount & the additional benefits it offers. While opting for a travel insurance plan, a low insurance premium shouldn’t be the only factor in making the decision. Compare travel insurance based on what coverage you need and what features are available for the most affordable insurance plan.
Senior citizens’ travel insurance offer help for financial losses that can occur in case of delay of flight, cancellation or curtailment of the trip in emergencies. Opt for insurance plans that cover Trip Delays, coverage for loss of passport or important documents, flight cancellations and curtailment of the trip.
Cashless Claims & Hospitalization, Overseas medical assistance, Easy claim process, Automatic policy renewal & online policy extensions are additional benefits offered by travel insurance companies. These benefits save you from a lot of hassle & discomfort during the trip.
Are you expecting a new life in your family? That is some great news. However, only a mother knows the troubles and sacrifices she makes when the baby is in her womb. Traveling with a pregnant woman can keep you on edge during your journey, giving ominous calms, but the more careful you are, the safer she remains. Another way to secure your journey and protect the life of the expected mother is to invest in a reliable travel insurance plan.
As we hear people’s doubts and queries on a daily basis, we can understand the trouble engulfing your thoughts. Keeping in mind the urgency of this matter, here we enlighten you on the most common questions that expected mothers ask.
What will the travel insurance policy cover for a pregnant mother?
A travel insurance plan will provide you the same benefits that it provides to any normal citizen including medical emergency cover, medical evacuation, trip cancellation, baggage loss, flight delay, and more. However, the number of benefits covered ranges from company to company, which is why it is better if you confirm the benefits with your insurance provider.
What does medical cover include for me in travel insurance?
Medical cover will include all the expenses you incur in a hospital for emergency treatment. Depending on your policy, it may exclude any pre-existing conditions. For example, if you are on the trip and get injured, your medical cover will provide you with that. On the other hand, if you seek treatment for a pre-existing condition, like a diagnosed tooth decay, the medical cover will not cover any such expenses.
Does travel insurance provide for childbirth?
Any travel insurance plan does not provide cover for childbirth. However, you will be covered for any complications that arrive during your pregnancy or giving birth to the child. Consult your insurance company to know how much reimbursement they can provide in this situation.
Is it usually safe to travel during pregnancy?
It is normally recommended that a pregnant woman should not consider long journeys, but it matters on a number of facts. A pregnant woman can travel within the first 36 weeks of her pregnancy, after which there are chances that she can go in labor. On the other hand, it is also found that women who are under 20 weeks pregnant do no prefer flying due to the feeling of nausea and thrombosis. Some airlines might even need you to submit your doctor or midwife’s approval for your journey, which is the best way to find if flying is a safe option for you.
Is premature birth included in travel insurance?
Premature birth is often considered a medical complication in pregnancy, which means that your travel insurance plan can provide you cover if you enter premature labor. Nevertheless, insurance companies can levy some restrictions on the premature birth cover. For example, some insurance companies may only provide for premature birth if it occurs within the first 32 or 35 weeks. After this period, premature childbirth will fall under the normal childbirth category for them.
Is travel insurance more expensive for pregnant women?
It is a myth that travel insurance is more expensive for pregnant women, which has also been debunked. Statistical data shows 40% of pregnant women think insurance policies are more expensive for them due to their pregnant condition. Insurance plans cost pregnant women the same but can fluctuate marginally depending on your insurance firm.
These were some doubts that pregnant women and their families have always asked us. A Travel Insurance Master (TIM,) we have collected the most skillful insurance agents who can help you compare and find the most suitable insurance plan. You can also visit our website and use our free travel insurance comparison tool to get a quote. With our well-established connections in the insurance industry, we bring you the most lucrative insurance plans. Feel free to contact us in case of any more queries and doubts.
Travel Insurance Master