Travelling with your parents can be a memorable experience, especially if you are visiting an international destination that they always dreamt of. However, it is recommended that you purchase senior citizen travel insurance online before making the trip. This policy is thoughtfully curated for older adults to provide valuable assistance at the time of a critical situation abroad.
This article will help you understand why it is important that you buy a separate senior citizen travel policy for your parents when travelling overseas.
Why to Get Senior Citizen Travel Insurance for Your Parents?
It can be fulfilling to plan a trip with your parents and help them visit spectacular locations to check off places on their bucket list. However, it is also important that you understand the possible situations they may face, which can hinder your overall travel experience, and plan accordingly.
Since your parents are at greater risk of falling prey to perils during the trip, it is best to invest in Senior Citizen travel insurance that can protect your parents from potentially huge financial losses as well as inconveniences.
The following are some reasons for opting for this travel policy:
- Ageing individuals are more prone to falling ill.
- Medical treatment in foreign countries is expensive.
- Senior citizens are more susceptible to financial risks, like losing their passports and luggage, due to physical and mental stress.
- Elderly individuals easily fall prey to societal risks like theft, phishing, etc.
Is it Worth Investing in Travel Insurance for the Elderly?
Yes, it is worth investing in this travel policy for your parents because it offers more than just medical coverage. Your parents are protected financially from flight-related risks like trip cancellations, interruptions, missing connecting flights and flight delays.
The comprehensive coverage that comes with this policy enables your parents to freely travel and enjoy their time without being stressed about what may go wrong and how to deal with such a situation.
Considerations to Make Before Buying Holiday Insurance for the Elderly
- Policy Inclusions and Exclusions</h3> – Check what inclusions are part of the policy, the coverage they offer and the exclusions. Typically, the policy should cover accidental injury, medical emergency, medical evacuation, hospitalisation, emergency financial assistance, COVID-19 treatment, etc.
- Sum Insured – Since your parents are vulnerable to travel-related risks and health issues, your sum insured should be carefully calculated so that it can cover all these potential risks when seeking medical and other assistance for your parents abroad.
- Extension of Policy – The best travel insurance for the elderly will provide an extension on the policy on the grounds of illness or delay in flight booking by the airline company. Reputed insurers provide up to 30 days of policy extension so that policyholders can be repatriated back to India or provided treatment abroad even after the policy expires.
- Cost of Premium – With all the inclusions that you require, you should check and compare premium costs offered by different insurers before investing in a travel policy.
Conclusion
Opting for this travel plan for your ageing parents is one of the ways to ensure their safety while they head out to relax on an international vacation. This way, they can focus on enjoying their trip while you rest easy knowing they’re protected.
Also Read: Kredittkort Reiseforsikring: Travel Insurance for Credit Cards
