Tata AIG
Travel Guard Plus
₹1,850/trip · $500K
- Claim ratio
- 96.4%
- Cashless
- 1M+ hosp.
- Medical
- $500K
- Trip cancel + baggage delay
- COVID-19 in-patient cover
- Emergency medical evacuation
Senior citizen travel
Travel cover that welcomes pre-existing conditions.
Plans designed for travellers over 60 — pre-existing conditions disclosed up front covered with a small top-up. 24×7 multilingual helpline, no age cap.
No age
Entry limit
PEDs
Covered with top-up
Priority
Claim processing
Top picks
Top senior travel plans.
Three standouts for a 64 year-old · 2-week trip · hypertension disclosed.
Best value
HDFC ERGO
Travel Explore
₹2,120/trip · $1M
- Claim ratio
- 94.8%
- Cashless
- 900K+ hosp.
- Medical
- $1M
- Adventure sport add-on
- Rental car excess
- 24×7 multilingual helpline
Bajaj Allianz
Travel Elite
₹2,480/trip · $1M
- Claim ratio
- 95.2%
- Cashless
- 1.2M+ hosp.
- Medical
- $1M
- Hijack allowance
- Missed connection
- Priority-pass lounge access
Common questions.
Are seniors charged more for travel?
Yes — typically 1.5-3× the under-60 rate. The bigger gap is on coverage caps: senior plans often hard-cap medical evacuation at $50-100k where regular plans cover $250k+. Worth it for the lower premium if your destination has cheap healthcare; not for the US.
Is travel insurance mandatory?
Required for Schengen, the UK and several other visas. Elsewhere it's optional but highly recommended — a single hospital night abroad can outrun a year's premium.
What counts as a pre-existing condition?
Anything you've been treated for, medicated for or diagnosed with in the last 12–24 months (varies by plan). Declare it up front — we tag plans that cover them for a small top-up.
Can I extend my cover mid-trip?
Yes — most insurers allow one extension up to the policy cap. Do it before the current cover expires, otherwise it's a fresh underwrite.
What if my trip gets cancelled?
Trip cancellation cover reimburses non-refundable bookings (flights, hotels, tours) up to the plan sub-limit. We flag every plan's cancellation triggers.
Sub-products
Other shapes of travel cover.
Senior plans are medically underwritten — declare PEDs honestly to avoid claim friction.
Single trip
One leg, one return — dated cover for a single journey.
Best for vacations + short work trips
from ₹249
Most boughtAnnual multi-trip
Unlimited trips for 365 days, each up to 30/60/90 days.
Frequent flyers + consultants
from ₹4,899
Schengen visa travel
Meets €30,000 cover + 24×7 helpline visa requirement.
Required for Schengen visa approval
from ₹412
Student overseas
Long-stay cover + tuition refund + mental-health care.
University students abroad 6–24 mo.
from ₹6,500
You’re here
Senior citizen
Pre-existing cover + 24×7 helpline, no age cap.
Travellers over 60
from ₹1,840
Travel without the health worry.
2 minutes, 6 insurers, senior-specific cover. No spam calls.
Start my quote