Travel insurance for a 80-year-old: Worldwide (incl. USA), 15 days
A 80-year-old travelling worldwide including USA & Canada for 15 days has 30 plans available from 5 Indian insurers. Premiums run from ₹3,568 to ₹20,094, with a median of ₹9,806. 83% include pre-existing disease cover.
Prices read live from our rate table. Base premium before GST. We take no commission.
Cheapest
₹3,568
Median
₹9,806
Dearest
₹20,094
Plans
30
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 Sr Citizen | 50000 USD | Yes | ₹3,568 |
| BAJAJ | BAJAJ ELITE Super Age <30 days | 50000 USD | Yes | ₹5,509 |
| BAJAJ | BAJAJ ELITE Super Age>30 days | 50000 USD | Yes | ₹5,860 |
| BAJAJ | BAJAJ ACE SUPER AGE | 50000 USD | Yes | ₹6,631 |
| ICICI LOMBARD | LOMBARD SECURE+ ESSENTIAL | 50000 USD | Yes | ₹7,225 |
| ICICI LOMBARD | LOMBARD SECURE+ ESSENTIAL | 100000 USD | Yes | ₹7,526 |
| TATA AIG | TATA Senior | 50000 USD | Yes | ₹7,598 |
| ICICI LOMBARD | LOMBARD SECURE+ PRIME | 50000 USD | Yes | ₹7,877 |
What actually moves the price here
Cover runs from 50000 USD at ₹3,568 up to 250000 USD at ₹11,155. Multiplying the sum insured by 5× costs 213% more — which is why the lowest cover is rarely the best value.
Dropping the claim sub-limit costs ₹4,638 more here (₹3,568 with one, ₹8,206 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.
Pre-existing disease cover starts at ₹3,568 against ₹8,519 without — a ₹4,951 difference. PED cover is fixed by the insurer, not an add-on you tick.
INDUSIND is cheapest here at ₹3,568; CARE - New Explore's entry price is ₹8,519, 139% 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 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.
| Insurer | Plans | PED | From |
|---|---|---|---|
| INDUSIND | 2 | Yes | ₹3,568 |
| BAJAJ | 6 | Yes | ₹5,509 |
| ICICI LOMBARD | 8 | Yes | ₹7,225 |
| TATA AIG | 4 | Yes | ₹7,598 |
| CARE - New Explore | 10 | Yes | ₹8,519 |
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 ₹4,845 (36% more).
Going 8 days instead would cost ₹2,932, and stretching to 22 days ₹4,845 — 36% 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 | ₹2,296 | ₹459 |
| 8 days | ₹2,932 | ₹367 |
| 15 days — this trip | ₹3,568 | ₹238 |
| 22 days | ₹4,845 | ₹220 |
| 29 days | ₹5,817 | ₹201 |
| 36 days | ₹7,002 | ₹195 |
| 43 days | ₹8,241 | ₹192 |
| 50 days | ₹9,481 | ₹190 |
| 57 days | ₹10,715 | ₹188 |
| 64 days | ₹11,908 | ₹186 |
| 71 days | ₹13,102 | ₹185 |
| 78 days | ₹14,295 | ₹183 |
| 85 days | ₹15,491 | ₹182 |
| 92 days | ₹17,889 | ₹194 |
| 99 days | ₹19,002 | ₹192 |
| 106 days | ₹20,117 | ₹190 |
| 113 days | ₹21,226 | ₹188 |
| 121 days | ₹22,351 | ₹185 |
| 127 days | ₹23,525 | ₹185 |
| 134 days | ₹24,704 | ₹184 |
| 141 days | ₹25,885 | ₹184 |
| 148 days | ₹27,059 | ₹183 |
| 155 days | ₹28,237 | ₹182 |
| 162 days | ₹29,414 | ₹182 |
| 169 days | ₹30,593 | ₹181 |
| 176 days | ₹31,774 | ₹181 |
How the price moves with age
This price holds for ages 76–80. The next band, 81–85, starts at ₹5,395 — 51% 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.
0–40
₹936
41–50
₹1,110
41–55
₹2,085
51–60
₹1,110
56–60
₹2,085
61–70
₹2,089
71–75
₹3,568
76–80
₹3,568
81–85
₹5,395
86–90
₹6,631
90–200
₹6,631
Worth knowing about Worldwide (incl. USA)
Including the USA and Canada is the single biggest price lever on this page. US hospital billing has no cap, so the sum insured matters far more here than anywhere else, and sub-limits bite hardest — a capped room rent in a country where a night can run into thousands of dollars leaves the difference with you.
Common questions
- How much is travel insurance for a 80-year-old going worldwide including USA & Canada for 15 days?
- Between ₹3,568 and ₹20,094, with a median of ₹9,806 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 ₹238 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 including USA & Canada?
- Going 8 days instead would cost ₹2,932, and stretching to 22 days ₹4,845 — 36% 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 ₹5,395 — 51% 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 ₹4,845 (36% more).
- Should I pay more to remove the sub-limit?
- Dropping the claim sub-limit costs ₹4,638 more here (₹3,568 with one, ₹8,206 without). That buys the difference between the insurer paying a capped amount per item and paying the bill.
Compare other combinations
See all 30 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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