Travelling is a perfect opportunity to clear your mind and indulge in a new location. Whether it’s leisure, work or academics, if you are going on a solo trip or with friends or family, staying safe and secure is always a priority.

One easy way to ensure security is by purchasing travel insurance for all your trips. Travel Insurance is a vital document that financially covers your journey in case of any disruption that could hamper your enjoyment. It is especially beneficial if you plan international trips to avoid burning a hole in your pocket if an unexpected situation arises. Travel Insurance offers a wide range of coverage right from when you take off until when you are back home!

When purchasing travel insurance, you can choose a plan that offers maximum benefit at an affordable cost. This cost is your premium, and your premium amount differs and depends on many factors, one of which is age.

While purchasing your insurance, you’ll identify that one of the top three questions asked is the age of the traveller. 

• Typically, as your age increases, so does your premium amount. Travel insurance is determined by risk; assumably, age is directly proportional to risk.

• For younger travellers, premium rates are comparatively lower. This is because an older traveller is at a higher risk and is more susceptible to accidents or illness when compared to younger travellers. 

• It can be seen; however, that older people tend to avoid risky situations and are more concerned about their health when compared to the younger generation. They prefer organised tours and keep their health and safety as their primary interest. 

Is there an age limit when purchasing Travel Insurance?

At Digit, we currently do not provide international travel insurance to those above 70 years. Children below the age of 18 need at least one companion above 18 years to travel with. 

When purchasing your plan, always thoroughly read the terms and conditions to avoid being misled or having to deal with unnecessary surprises later. 

If you’re looking to buy travel insurance for individuals of older age, here are some tips on how to reduce costs for an older age group:

• First things first, look specifically for insurers who offer plans catering to senior travellers. 

• Purchasing travel insurance with inclusive medical benefits is another option. This establishes that all medical needs are met with no caps.

• Another wise decision would be to purchase your travel insurance online to remove middleman costs. 

• Medical conditions and age are crucial factors when looking for the right plan. You can get a plan that outlines adequate costs around these factors by fixing an appropriate budget that fits your needs.

When travelling abroad to a new location, many things could go wrong, no matter how careful you might be. Some situations are out of your control; as a precautionary measure, purchasing travel insurance with all the required benefits at an affordable cost is a wise choice.

Apart from the insured's age, other factors can affect your travel insurance premium rate. They are:

• Pre-existing medical conditions of the travellers

• Duration of your trip

• The destination you are travelling to

• Type of coverage, such as basic or comfort options

• Add-ons and other benefits to your policy

Digit’s International Travel Insurance offers affordable premiums starting from just ₹225 only. What’s great about our policy is that we’ve designed a plan that fits all your needs. This smartphone-enabled process, with missed call facility, worldwide support, and immediate monetary compensation for flight delays, are some benefits among many.

Buying an affordable, comprehensive travel plan has never been easier!