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【老人家去旅行】14款長者旅遊保險比較|投保注意重點|返港繼續有得保?

【Traveling for Seniors】Comparison of 14 Senior Travel Insurance Plans|Key Points for Purchasing|Coverage Upon Return

Taking your parents on a trip or seniors traveling together? While planning an itinerary, you must consider not only their physical endurance, dietary needs, and transportation but also carefully evaluate the travel insurance you choose for them. Key factors include whether the medical coverage is adequate, if there are age restrictions, and whether comprehensive support is available in case of discomfort during the trip.

In this article, Kwiksure shares essential tips for purchasing senior travel insurance and compares 14 plans that cater to seniors, ensuring they can enjoy their travels with peace of mind.

Kwiksure offers varying levels of travel insurance, comprehensively covering medical, accident, trip cancellation, and personal property loss protection, to ensure you travel with peace of mind.

Senior Travel Insurance|Age Limits

【老人家去旅行】14款長者旅遊保險比較|投保注意重點|返港繼續有得保?

Most travel insurance policies impose age limits, typically ranging from 70 to 80 years old. Annual travel insurance often has a lower maximum age limit compared to single-trip plans. For instance, the STARR "Prestige Travel" Insurance Plan imposes no age limit for single-trip policies but caps the age at 70 for annual travel insurance, with renewals allowed up to 75 years old.

Senior Travel Insurance|Benefit Reduction Ratios

Some travel insurance plans may not have age restrictions, but the coverage amounts for medical expenses or personal accidents might be reduced for seniors—sometimes to only 25% or 50% of the standard coverage.

Tip from Kwiksure: The "benefit amount" refers to the maximum compensation limit set by the insurer, not the premium cost!

Even travel insurance with age restrictions can reduce coverage for seniors. For example, MSIG iTravel Plus caps personal accident and medical expense benefits for seniors aged 65 or older at 25% of the total benefit amount for annual policies. Similarly, for those aged 70 and above, the single-trip policies offer only 25% of the full coverage for these benefits. Additionally, the double compensation for accidental death is not applicable to insured individuals aged 70 and above.

Kwiksure offers various travel insurance options with comprehensive coverage, including medical expenses, accidents, trip cancellations, and personal belongings protection, giving you peace of mind while you travel.

Senior Travel Insurance|Types of Medical Support

Given the unpredictable health conditions of seniors, medical coverage is crucial if they fall ill or need emergency evacuation during a trip. In addition to ensuring the benefit amount isn’t reduced (as mentioned above), look into specific medical benefits, such as overseas medical expenses and inpatient care during the trip.

Post-trip follow-up care is equally important, including coverage limits, timeframes, daily caps, total amounts, and approved treatment methods (e.g., Chinese medicine or physiotherapy). Always review the policy terms carefully before purchasing.

Senior Travel Insurance|Buy Early

Many people buy travel insurance at the last minute before departure. In fact, the earlier you purchase, the earlier the coverage starts. This is especially important for seniors, as unexpected health issues could lead to trip cancellations or changes. Purchasing travel insurance immediately after booking tickets and accommodation ensures compensation for such cases.

Comparison of 14 Senior Travel Insurance Plans

(Assuming the insured is a 70-year-old, traveling to Japan for five days. Premiums are in HKD.)

Insurance Company & Plan Name

Age Limit (Policy Type)

Medical Benefits (For Seniors)

Personal Accident Benefits (For Seniors)

Premium

FWD FreeChoice - Deluxe Plan

80 (Single/Annual)

$1,000,000 (No Reduction)

$1,000,000 (No Reduction)

Single: $139.75 / Annual: $1,218.75

HSBC TravelSurance

No Limit

$5,000,000 (No Reduction)

Single: $1,200,000 / Annual: $2,000,000 (No Reduction)

Single: $171.02 / Annual: $1,867.37

AXA Smart Traveller - Ultimate Plan

No Limit

$500,000 (70+ $250,000)

$500,000 (70+ $250,000)

Single: $192.10 / Annual: $1,853

Allianz Travel - Silver Plan

75 (Single/Annual)

$1,500,000 (No Reduction)

$750,000 (No Reduction)

Single: $597.60 / Annual: $7,124.40

Blue Cross Global Plan - Prestige

No Limit

$1,200,000 (70+ $600,000)

$1,200,000 (70+ $360,000)

Single: $222.40 / Annual: $1,664

Avo Travel Insurance (Plus)

80 (Single/Annual)

$1,000,000 (No Reduction)

$500,000 (No Reduction)

Single: $170 / Annual: $1,720.40

Final premiums are subject to the insurers' announcements.

Kwiksure offers various travel insurance options with extensive coverage to ensure you enjoy your trip with confidence.

Kwiksure offers varying levels of travel insurance, comprehensively covering medical, accident, trip cancellation, and personal property loss protection, to ensure you travel with peace of mind.

Senior Travel Tips

【老人家去旅行】14款長者旅遊保險比較|投保注意重點|返港繼續有得保?

Traveling is exciting, but proper preparation ensures a more enjoyable experience. Here are travel tips tailored for seniors:

  1. Stay Connected: Purchase a local SIM card in advance to maintain communication. Consider providing seniors with GPS-enabled devices, such as trackers or smartwatches, to help locate them if needed.
  2. Plan Light Activities: Avoid overly tight schedules or strenuous activities like hiking or prolonged shopping. Always monitor their physical condition during the trip.
  3. Check Weather & Dress Comfortably: Pack weather-appropriate clothing. Comfortable walking shoes can reduce foot fatigue and prevent slips or injuries.
  4. Travel Together: Seniors should always travel with companions for mutual support in emergencies.
  5. Medications: Carry extra doses of regular medications (a few days to a week’s supply) to avoid issues during extended trips. Bring medicines in their original packaging for easy identification by local doctors if necessary.
  6. Dietary Caution: While indulging in local cuisine is fun, avoid overeating or dining at unhygienic establishments to prevent stomach upsets.

With these tips and the right travel insurance, seniors can embark on safe and worry-free adventures.

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Contact Kwiksure to get travel insurance

Kwiksure has over 20 years of experience in the travel insurance industry, comparing quotes from over 60 insurers in Hong Kong. Start purchasing your travel insurance plan now!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
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Author Eric
Author: Eric
Created On: 2024-11-20
Edited On: 2024-11-20

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