Travel insurance for a 65-year-old: Worldwide (excl. USA), 15 days
A 65-year-old travelling worldwide excluding USA & Canada for 15 days has 59 plans available from 5 Indian insurers. Premiums run from ₹1,347 to ₹5,359, with a median of ₹2,813. 88% include pre-existing disease cover.
Prices read live from our rate table. Base premium before GST. We take no commission.
Cheapest
₹1,347
Median
₹2,813
Dearest
₹5,359
Plans
59
The cheapest options
Lowest-priced plans for this exact combination. Cheapest is not automatically best — check the sum insured, the sub-limit and the PED column.
| Insurer | Plan | Cover | PED | Premium |
|---|---|---|---|---|
| INDUSIND | INDUSIND - STANDARD | 50000 USD | Yes | ₹1,347 |
| BAJAJ | BAJAJ Companion Age | 50000 USD | Yes | ₹1,517 |
| BAJAJ | BAJAJ ACE STANDARD | 50000 USD | Yes | ₹1,611 |
| INDUSIND | INDUSIND - SILVER | 100000 USD | Yes | ₹1,649 |
| CARE - New Explore | CARE GOLD | 50000 USD | No | ₹1,679 |
| BAJAJ | BAJAJ ELITE SILVER | 50000 USD | Yes | ₹1,704 |
| INDUSIND | INDUSIND - GOLD | 250000 USD | Yes | ₹1,820 |
| BAJAJ | BAJAJ ACE STANDARD | 50000 USD | Yes | ₹1,857 |
What actually moves the price here
Cover runs from 50000 USD at ₹1,347 up to 1000000 USD at ₹4,976. Multiplying the sum insured by 20× costs 269% more — which is why the lowest cover is rarely the best value.
Dropping the claim sub-limit costs ₹510 more here (₹1,347 with one, ₹1,857 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.
Pre-existing disease cover starts at ₹1,347 against ₹1,679 without — a ₹332 difference. PED cover is fixed by the insurer, not an add-on you tick.
INDUSIND is cheapest here at ₹1,347; ICICI LOMBARD's entry price is ₹2,390, 77% higher. Rankings move with age and duration, so the cheapest insurer for this trip is not the cheapest for every trip.
Every insurer that quotes a 65-year-old for this trip
Entry price per insurer. Which of the five appear at all depends on age — the older the traveller, the shorter this list.
| Insurer | Plans | PED | From |
|---|---|---|---|
| INDUSIND | 4 | Yes | ₹1,347 |
| BAJAJ | 17 | Yes | ₹1,517 |
| CARE - New Explore | 14 | Yes | ₹1,679 |
| TATA AIG | 8 | Yes | ₹1,907 |
| ICICI LOMBARD | 16 | Yes | ₹2,390 |
How the price moves with trip length
Your 15-day trip is priced identically to a 21-day one — insurers charge by day band, not by night. You have 6 days of slack at no extra cost, and the price only moves at day 22, where it becomes ₹1,686 (25% more).
Going 8 days instead would cost ₹947, and stretching to 22 days ₹1,686 — 25% more premium for 47% more time.
Only the days where the price actually steps up are listed — between two steps the premium is flat.
| Price steps up at | From | Per day |
|---|---|---|
| 5 days | ₹756 | ₹151 |
| 8 days | ₹947 | ₹118 |
| 15 days — this trip | ₹1,347 | ₹90 |
| 22 days | ₹1,686 | ₹77 |
| 29 days | ₹2,058 | ₹71 |
| 36 days | ₹2,337 | ₹65 |
| 43 days | ₹2,617 | ₹61 |
| 50 days | ₹2,960 | ₹59 |
| 57 days | ₹3,351 | ₹59 |
| 64 days | ₹3,837 | ₹60 |
| 71 days | ₹4,234 | ₹60 |
| 78 days | ₹4,885 | ₹63 |
| 85 days | ₹5,481 | ₹64 |
| 92 days | ₹5,944 | ₹65 |
| 99 days | ₹6,487 | ₹66 |
| 106 days | ₹6,949 | ₹66 |
| 113 days | ₹7,215 | ₹64 |
| 120 days | ₹7,486 | ₹62 |
| 127 days | ₹8,492 | ₹67 |
| 134 days | ₹8,752 | ₹65 |
| 141 days | ₹9,071 | ₹64 |
| 148 days | ₹9,448 | ₹64 |
| 155 days | ₹9,820 | ₹63 |
| 162 days | ₹10,213 | ₹63 |
| 169 days | ₹10,635 | ₹63 |
| 176 days | ₹11,141 | ₹63 |
How the price moves with age
This price holds for ages 61–70. The next band, 71–75, starts at ₹2,426 — 80% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 71 changes the premium more than any other single choice.
0–40
₹647
41–50
₹718
41–55
₹1,053
51–60
₹726
56–60
₹1,053
61–70
₹1,347
71–75
₹2,426
76–80
₹2,490
81–85
₹3,815
86–90
₹3,867
90–200
₹3,867
Worth knowing about Worldwide (excl. USA)
Excluding the USA and Canada is what makes this the cheaper worldwide option. Check the wording covers layovers: a technical stop or a change of planes on US soil is treated differently by different insurers, and a connection through the US can sit outside the policy.
Common questions
- How much is travel insurance for a 65-year-old going worldwide excluding USA & Canada for 15 days?
- Between ₹1,347 and ₹5,359, with a median of ₹2,813 across 59 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
- Which insurers cover a 65-year-old for this trip?
- BAJAJ, CARE - New Explore, ICICI LOMBARD, INDUSIND, TATA AIG. Not every insurer quotes at every age — the older the traveller, the fewer will.
- Can a 65-year-old get pre-existing disease cover for this trip?
- Yes — 52 of the 59 plans include it. PED cover is fixed by the insurer, not chosen, so check it per plan rather than assuming.
- What does travel insurance cost per day for this trip?
- About ₹90 a day at the cheapest plan, over 15 days. Per-day cost falls as the trip lengthens — insurers price in day bands, not per night, so the last few days of a band are effectively free.
- Is it cheaper to insure a shorter trip worldwide excluding USA & Canada?
- Going 8 days instead would cost ₹947, and stretching to 22 days ₹1,686 — 25% more premium for 47% more time.
- Does the premium change much at 65?
- This price holds for ages 61–70. The next band, 71–75, starts at ₹2,426 — 80% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 71 changes the premium more than any other single choice.
- Can I extend a 15-day trip without paying more?
- Your 15-day trip is priced identically to a 21-day one — insurers charge by day band, not by night. You have 6 days of slack at no extra cost, and the price only moves at day 22, where it becomes ₹1,686 (25% more).
- Should I pay more to remove the sub-limit?
- Dropping the claim sub-limit costs ₹510 more here (₹1,347 with one, ₹1,857 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.
Compare other combinations
See all 59 plans for your dates
These are the cheapest eight. Run the advisor with your actual travel dates for the full list, with PED and sub-limit on every row.
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