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Travelling is fun. This may sound like an understatement, but you know what we mean. This is your time to be carefree, to be out and about exploring and just finding new places to be. However, there can be some situations that can dampen your holiday spirit. Imagine falling sick and needing medical attention. Everyone knows that medical costs in another country could hit the roof. While you may have planned for certain contingencies, medical emergency costs can occur at any given time. One thing that can always help you at times like these is a travel medical insurance.

The best travel insurance policy safeguards you from the financial losses and the unforeseen problems that you may encounter during a trip. Selecting the right policy is one of the key factors. Here’s what you need to keep in mind when you take an insurance:

More Coverage: Depending on which country you are travelling, select your international travel insurance policy, which covers the cost of healthcare treatment overseas, the risk of losing your passport, theft of valuables, etc. You can buy travel insurance online that would safeguard you from losses against unexpected expenditure such as medical treatment, loss of baggage, loss of passport, flight interruptions or cancellations, etc. during your trip.

Frequent Flyer’s Delight: For the regular, frequent fliers, who need to travel overseas multiple times in a year, opting for a Multi-Trip Travel Insurance is a better bet. This is the best travel insurance for frequent flyers as it covers expenses of multiple trips within the year and saves individuals from paying multiple insurance expenses. It is also convenient, as you do not have to buy a fresh policy before every trip. Depending on the insurance provider, each of these categories are further classified into Gold, Silver, Platinum, etc. based on the premium rates and coverage.

Destination Insurance: Consider a few important factors before you select a travel insurance policy, like country, age, and activity at the destination. The country you are travelling to, the risk and cost factors associated with it, etc. will help you identify the plan that is best suited for you. Travel insurance to Asian countries is less expensive than the European and American countries. The policy amount varies on factors like distance, risk factors, medical expenses of that country and such other parameters. You can check for travel insurances online that will cater to your travel needs.

Activity Insurance: The insurance cover depends on your activity at the destination. If you are visiting for entertainment activities like sightseeing or shopping, the regular international travel insurance plan is sufficient. However, if you are planning on adventure activities, you will need to enhance your travel insurance cover with an added cost, since these are not included in the regular travel policy.

For Everyone: Travel insurance in India is available for all age groups. Senior citizen plans include greater cover for diseases and hospitalization. Certain policies also safeguard your home back in India, while you are travelling, or offer assistance to your family at home, etc. at a higher premium. This is when you break the stress of everyday life. Why not insure your travel so you could leave the stress behind!

Other services to make your travel smooth with us: We offer wide range of services to smoothen your travel. Its time to look at Forex and Visa services formatalities if you have insured yourself.
Why get insured with Thomas Cook?

Wide range of Travel Insurance Plans from USD 50k to 5 Lacs

Customized Senior Citizen and Asia Specific Plan

Affordable Plans with Cashless facility and No Sub-limits

Compensation for loss of Luggage and Passport

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Travel Insurance Benefits: How we can take care of you?

Loss of Checked-in Baggage and Passport
Loss of Checked-in Baggage and Passport

Get compensation for value of lost checked in baggage

Compensation for expenses incurred to replace lost passport

Compassionate Visit
Compassionate Visit

Daily allowance to family member of insured in case of hospitalisation

Cost of travel ticket of family member covered

Home Burglary
Home Burglary

Loss incurred due to burglary at home covered.

Coverage given for the actual damage due to burglary

Financial Emergency
Financial Emergency

Financial assistance provided in case of emergency

Financial allowance in case of accidental loss of money

Emergency Hotel
Emergency Hotel

In case of delay in departure additional hotel expenses covered

Expenses covered up to sum insured amount

Frequently asked Questions - Senior Citizen Travel Insurance

  • Are Pre-existing diseases covered?
    Most insurance policies do not cover claims relating to a pre-existing disease or illness, irrespective of the fact that the same was declared or undeclared during the time of purchase. Hence, it’s essential to take all necessary precautions before travelling. Ensure you have all your medicines, prescription and other related documents. In case your elderly parents or relatives are travelling by themselves, you must inform the airline of any major health concerns, so they are prepared. In some cases, airlines may ask for a fit to travel certificate issued by the consulting physician.
  • What is Assistance Service provider (ASP)?
    ASP or Assistance Service Provider is an essential service that most insurance policy offer their customers. The name of the service may vary from provider to provider; however, the main purpose of the service is to provide cashless medical payment options in case of hospitalization. In addition to this, the service also provides support with all claim related queries. The service is set up in order to deal with all your medical claim issues. Most insurance companies will have a direct helpline number for the department that can be accessed from overseas.
  • Do we need pre-approval, in case hospitalization is required for medical treatment?
    In case of an emergency, where you or any policy beneficiary is hospitalized, you must contact the ASP or Assistance Service Provider team of your insurance company. If you are eligible for cashless benefits, they will help you claim the same. You will be reimbursed for all your medical bills, included treatment and physician visits. Please read the policy documents carefully before buying.
  • What is the procedure to obtain pre-approval in case of Hospitalization?
    In case of an emergency, where you or any policy beneficiary is hospitalized, you must contact the ASP or Assistance Service Provider team of your insurance company. If you are eligible for cashless benefits, they will help you claim the same. You will be reimbursed for all your medical bills, included treatment and physician visits. Please read the policy documents carefully before buying.
  • What all is covered under medical coverage?
    Most Policies cover things such as, sports injuries, Mammography, Cancer Screening, Mental disorder, pregnancy related expenses, dental, evacuation, repartition and all other major medical expenses. Please read the policy documents carefully before buying
  • Do you need to carry policy papers when travelling overseas?
    It is best to carry the policy papers when travelling overseas. Especially, when you elderly parents are travelling by themselves. But in case you or your parents lose the policy documents, the same can be accessed by logging into your online accounts with your respective service provider. If you buy travel insurance for your parents from outside of India, hard copies of the same will be delivered to your parent’s residence in India and you can download and print a signed copy of the same.
  • Can claims be settled overseas?
    All claims will be settled once you upon your return to India. The only exception is in case of financial emergencies. In case of hospitalization most policies and service providers cashless facilities in case of hospitalization. You can contact the ASP departments of your insurance provider and they will assist you with the same. Also, all medical related claims will be settled by the ASP department of your insurance service provider.

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