Travel insurance for a 75-year-old: Worldwide (excl. USA), 15 days

A 75-year-old travelling worldwide excluding USA & Canada for 15 days has 34 plans available from 5 Indian insurers. Premiums run from ₹2,426 to ₹6,417, with a median of ₹3,962. 85% include pre-existing disease cover.

Prices read live from our rate table. Base premium before GST. We take no commission.

Cheapest

₹2,426

Median

₹3,962

Dearest

₹6,417

Plans

34

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.

Cheapest travel insurance plans for a 75-year-old, worldwide excluding USA & Canada, 15 days
InsurerPlanCoverPEDPremium
CARE - New ExploreCARE GOLD50000 USDNo₹2,426
INDUSINDINDUSIND Sr Citizen50000 USDYes₹2,490
CARE - New ExploreCARE PLATINUM50000 USDNo₹2,861
BAJAJBAJAJ ELITE SUPER AGE <30 days50000 USDYes₹2,875
CARE - New ExploreCARE GOLD100000 USDNo₹2,917
CARE - New ExploreCARE GOLD50000 USDYes₹2,951
INDUSINDINDUSIND Sr Citizen50000 USDYes₹2,988
BAJAJBAJAJ ELITE SUPER AGE >30 days50000 USDYes₹3,094

What actually moves the price here

Cover runs from 50000 USD at ₹2,426 up to 250000 USD at ₹3,867. Multiplying the sum insured by 5× costs 59% more — which is why the lowest cover is rarely the best value.

Dropping the claim sub-limit costs ₹435 more here (₹2,426 with one, ₹2,861 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.

Pre-existing disease cover starts at ₹2,490 against ₹2,426 without — a ₹64 difference. PED cover is fixed by the insurer, not an add-on you tick.

CARE - New Explore is cheapest here at ₹2,426; TATA AIG's entry price is ₹3,648, 50% 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 75-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.

Cheapest premium per insurer, 75-year-old, worldwide excluding USA & Canada, 15 days
InsurerPlansPEDFrom
CARE - New Explore10Yes₹2,426
INDUSIND2Yes₹2,490
BAJAJ6Yes₹2,875
ICICI LOMBARD12Yes₹3,458
TATA AIG4Yes₹3,648

How the price moves with trip length

A 15-day trip sits at the top of its price band. One more day moves it to ₹2,484, 2% more — so if the plan might slip, buying the longer band up front is cheaper than extending later.

Going 12 days instead would cost ₹2,048, and stretching to 16 days ₹2,484 — 2% more premium for 7% more time.

Only the days where the price actually steps up are listed — between two steps the premium is flat.

Cheapest premium by trip length for a 75-year-old, worldwide excluding USA & Canada
Price steps up atFromPer day
5 days₹1,205₹241
6 days₹1,438₹240
7 days₹1,552₹222
8 days₹1,588₹199
9 days₹1,654₹184
10 days₹1,833₹183
11 days₹2,012₹183
12 days₹2,048₹171
15 days — this trip₹2,426₹162
16 days₹2,484₹155
17 days₹2,490₹146
22 days₹2,869₹130
23 days₹2,961₹129
24 days₹3,053₹127
25 days₹3,119₹125
26 days₹3,228₹124
27 days₹3,322₹123
28 days₹3,421₹122
29 days₹3,520₹121
30 days₹3,591₹120
31 days₹3,721₹120
32 days₹3,851₹120
33 days₹3,981₹121
34 days₹4,111₹121
35 days₹4,231₹121
36 days₹4,371₹121
37 days₹4,501₹122
38 days₹4,630₹122
39 days₹4,760₹122
40 days₹4,862₹122
41 days₹5,020₹122
42 days₹5,088₹121
43 days₹5,280₹123
44 days₹5,392₹123
45 days₹5,399₹120
48 days₹5,763₹120
49 days₹5,858₹120
50 days₹5,857₹117
51 days₹6,103₹120
52 days₹6,216₹120
53 days₹6,330₹119
54 days₹6,443₹119
55 days₹6,439₹117
56 days₹6,623₹118
57 days₹6,629₹116
61 days₹7,147₹117
62 days₹7,273₹117
63 days₹7,398₹117
64 days₹7,524₹118
65 days₹7,650₹118
66 days₹7,776₹118
67 days₹7,902₹118
68 days₹8,028₹118
69 days₹8,153₹118
70 days₹8,187₹117
71 days₹8,405₹118
72 days₹8,531₹118
73 days₹8,657₹119
74 days₹8,765₹118
75 days₹8,795₹117
76 days₹8,919₹117
77 days₹8,977₹117
78 days₹9,168₹118
79 days₹9,292₹118
80 days₹9,416₹118
81 days₹9,540₹118
82 days₹9,664₹118
83 days₹9,768₹118
85 days₹10,037₹118
86 days₹10,161₹118
87 days₹10,285₹118
88 days₹10,409₹118
89 days₹10,516₹118
90 days₹10,546₹117
91 days₹10,560₹116
92 days₹10,800₹117
93 days₹10,927₹117
94 days₹11,054₹118
95 days₹11,180₹118
96 days₹11,307₹118
97 days₹11,434₹118
98 days₹11,561₹118
99 days₹11,688₹118
100 days₹11,815₹118
101 days₹11,942₹118
102 days₹12,069₹118
103 days₹12,195₹118
104 days₹12,304₹118
105 days₹12,263₹117
106 days₹12,460₹118
107 days₹12,584₹118
108 days₹12,709₹118
109 days₹12,833₹118
110 days₹12,958₹118
111 days₹13,083₹118
112 days₹13,207₹118
113 days₹13,332₹118
114 days₹13,456₹118
115 days₹13,581₹118
116 days₹13,706₹118
117 days₹13,830₹118
118 days₹13,955₹118
119 days₹14,062₹118
120 days₹14,062₹117
121 days₹14,258₹118
122 days₹14,425₹118
123 days₹14,591₹119
124 days₹14,758₹119
125 days₹14,820₹119
127 days₹15,257₹120
128 days₹15,423₹120
129 days₹15,589₹121
130 days₹15,636₹120
134 days₹16,398₹122
135 days₹16,438₹122
136 days₹16,457₹121
141 days₹17,192₹122
142 days₹17,278₹122
148 days₹18,073₹122
149 days₹18,096₹121
155 days₹18,657₹120
156 days₹18,747₹120
157 days₹18,836₹120
158 days₹18,913₹120
162 days₹19,282₹119
163 days₹19,372₹119
164 days₹19,448₹119
165 days₹19,470₹118
166 days₹19,595₹118
167 days₹19,721₹118
168 days₹19,732₹117
169 days₹19,971₹118
170 days₹20,097₹118
171 days₹20,222₹118
172 days₹20,347₹118
173 days₹20,473₹118
174 days₹20,551₹118
176 days₹20,849₹118
177 days₹20,974₹118
178 days₹21,099₹119
179 days₹21,207₹118
180 days₹21,237₹118

How the price moves with age

This price holds for ages 71–75. The next band, 76–80, starts at ₹2,490 — 3% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 76 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 75-year-old going worldwide excluding USA & Canada for 15 days?
Between ₹2,426 and ₹6,417, with a median of ₹3,962 across 34 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.
Which insurers cover a 75-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 75-year-old get pre-existing disease cover for this trip?
Yes — 29 of the 34 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 ₹162 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 12 days instead would cost ₹2,048, and stretching to 16 days ₹2,484 — 2% more premium for 7% more time.
Does the premium change much at 75?
This price holds for ages 71–75. The next band, 76–80, starts at ₹2,490 — 3% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 76 changes the premium more than any other single choice.
Can I extend a 15-day trip without paying more?
A 15-day trip sits at the top of its price band. One more day moves it to ₹2,484, 2% more — so if the plan might slip, buying the longer band up front is cheaper than extending later.
Should I pay more to remove the sub-limit?
Dropping the claim sub-limit costs ₹435 more here (₹2,426 with one, ₹2,861 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.

Compare other combinations

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See every age and destination →

BajajTata AIGICICI LombardCareIndusInd

See all 34 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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