Travel insurance for a 80-year-old: Worldwide (excl. USA), 15 days

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.

What actually moves the price here

Every insurer that quotes a 80-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.

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 ₹3,534 (42% more).

Going 8 days instead would cost ₹2,048, and stretching to 22 days ₹3,534 — 42% more premium for 47% more time.

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

How the price moves with age

This price holds for ages 76–80. The next band, 81–85, starts at ₹3,815 — 53% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 81 changes the premium more than any other single choice.

Common questions

How much is travel insurance for a 80-year-old going worldwide excluding USA & Canada for 15 days?

Between ₹2,490 and ₹12,329, with a median of ₹5,845 across 30 plans from 5 insurers. The spread reflects sum insured and whether the plan carries sub-limits, not just the insurer.

Which insurers cover a 80-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 80-year-old get pre-existing disease cover for this trip?

Yes — 25 of the 30 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 ₹166 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 ₹2,048, and stretching to 22 days ₹3,534 — 42% more premium for 47% more time.

Does the premium change much at 80?

This price holds for ages 76–80. The next band, 81–85, starts at ₹3,815 — 53% more for the identical trip. Age is priced in steps, not smoothly, so a birthday either side of 81 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 ₹3,534 (42% more).

Should I pay more to remove the sub-limit?

Dropping the claim sub-limit costs ₹1,494 more here (₹2,490 with one, ₹3,984 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.

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