Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here we work with reputed insurers and have identified popular travel medical insurance plans for senior citizens over 60 years. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.
Max Coverage
$25,000 to $100,000
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
5 days 365 days and renewable up to 2 years
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care Clinic
$200 max per visit
Prescription
$250 per coverage period
Chemotherapy
$1,350 max per visit
Evacuation
Maximum limit 50K
Max Coverage
$50,000 to $130,000
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Available for 364 days, travelers who wish to get extended coverage can renew Visitor Secure insurance online
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period
Prescription Drugs
$300 maximum
Private duty nurse
$700 maximum
Repatriation
$25K per member
Evacuation
50K lifetime maximum
Max Coverage
Coverage available from $25,000 to $150,000
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Evacuation
Unlimited
Repatriation
Up to $25k per Policy Period
Cardiac Conditions
Covered
Dental Treatment
$750 per Incident
Max Coverage
$25,000 to $175,000 coverage’s are available
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
$250 per Incident
Chemotherapy
$1,100 per Incident
Evacuation
$50,000
Repatriation
$7,500 per Policy Period
Max Coverage
$50,000 and $150,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
Up to $200 per period of coverage
Surgery
Up to $3,000
Evacuation
$100,000
Emergency dental
up to $500
Anesthetist
Up to $500
Max Coverage
$50,000 coverage is available
PPO network
Through First health care network
Pre-existing condition
Covers unexpected recurrence of pre-existing conditions up to $1,000
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Cardiac conditions
Covered
Dental Treatment
$250 per Policy Period
Trip Interruption
$5K
Evacuation
100% up to $2M
Max Coverage
$50,000 to $1,000,000 coverage is available
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
$30 per Incident
Physiotherapy
Limited to $50 per visit
Trip Interruption
$5K
Evacuation
100% up to $2M
Max Coverage
$50,000 to $2,000,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
Up to $15 co-payment
Lost or Stolen Passport
Up to 100
Trip Interruption
Up to $10K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 to $1,000,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
$25 copay
Walk-In Clinic
$15 copay
Chiropractic Care
Up to the maximum limit
Emergency reunion
$100k maximum limit
Evacuation
Up to the maximum limit
Max Coverage
$50,000 to $1,000,000 coverage is available
PPO network
Does not belong to any ppo network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
15 days to 364 days, not renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
80% of first $5k, then 100%
Loss of Baggage
$50 per article, max $250
Trip Interruption
Covers up to $5K
Evacuation
Covers up to $250K
Max Coverage
$150,000 to $1,000,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Covers full pre-existing conditions
Period of Coverage
Coverage for minimum of 90 days up to 364 days and it can be renewable
Cancellation
Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new
Chemotherapy
Covered
Physiotherapy
$50 per visit, max $500
Repatriation
Covers up to $20k
Evacuation
Covers up to $25K
Max Coverage
$50,000 to $150,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Covers pre-existing condition Up to $25,000 with a $1,500 deductible
Period of Coverage
90 days up to 364 days and it cannot be extended
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Emergency dental
Up to $300
Emergency reunion
$100K maximum limit
Urgent Care Clinic
Up to $50 copay
Evacuation
Up to $25K maximum limit
Max Coverage
$50,000 to $1,000,000 coverage available
PPO network
Through First health care network
Pre-existing condition
Covers unexpected recurrence of pre-existing conditions up to $1,000
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Cardiac conditions
Covered
Dental Treatment
$500 per Policy Period
Trip Interruption
$7500
Evacuation
100% up to $2M
Max Coverage
$50,000 to $2,000,000 coverage available
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
Up to $15 co-payment
Lost or Stolen Passport
Up to $100
Trip Interruption
Up to $10K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 to $1,000,000 coverage available
PPO network
Plan is part of IPA(MG's proprietary International Provider Access)
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
$25 copay
Walk-In Clinic
$15 copay
Chiropractic Care
Up to the maximum limit
Emergency reunion
$25K per member
Evacuation
Up to the maximum limit
Max Coverage
$50,000 to $150,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
5 days to 364 days, cannot be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
Up to $50 co-payment
Emergency Dental
Up to $2K
Repatriation
Covers up to $50K
Evacuation
Covers up to $500K
Max Coverage
$50,000 to $2,000,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions covered up to policy maximum
Period of Coverage
Available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
Up to $15 co-payment
Lost or Stolen Passport
Up to $100
Trip Interruption
Up to $15K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 to $1,000,000 coverage’s are available
PPO network
This plan is part of First Healthcare network
Pre-existing condition
Pre-existing conditions are covered after 6 months of waiting period
Period of Coverage
Coverage available from 1 day to 180 days and it can be renewed
Cancellation
100% refund for plans cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date received
Trip Interruption
up to $7,500
Trip Delay
$2,000 ($150 per day) (12 hours)
Repatriation
$50,000
Evacuation
$500,000
International travel has been increasing again by seniors and elderly parents. However given the health risks especially for older travelers and parents along with increased healthcare costs involved in light of the pandemic, it is very important to have best over 60 travel insurance for seniors. Senior Citizens can buy cheapest holiday insurance over 60 by comparing travel insurance for elderly over 60
On average, over 60 travel insurance with medical conditions cost per month USA can range from $39 to $360 or more for a single trip. The cost of travel insurance focused on health depends on several factors, including the traveler's age and health (older the traveler, higher the cost), the destination and duration of the trip (insurance for travel to the U.S. is typically more expensive), the level of medical coverage selected (higher coverage increases the cost), the deductible and co-insurance options, and any additional benefits like coverage for pre-existing conditions, which can raise the premium.
Insurance Plans | Policy maximum | Deductible | Cost |
---|---|---|---|
Safe Travels Advantage Trawick | 25,000 | 0 | $39 |
Visitors Care IMG | 25,000 | 100 | $40 |
Safe Travels Elite WorldTrips | 25,000 | 0 | $50 |
VisitorSecure WorldTrips | 50,000 | 100 | $55 |
Patriot America Lite IMG | 50,000 | 250 | $137 |
Safe Travels USA Cost Saver Trawick | 50,000 | 250 | $139 |
Safe Travels USA Trawick | 50,000 | 250 | $147 |
Patriot America Plus IMG | 50,000 | 250 | $151 |
Atlas America WorldTrips | 50,000 | 250 | $177 |
Atlas Premium America WorldTrips | 50,000 | 250 | $222 |
Diplomat America Global Underwriters | 50,000 | 250 | $229 |
INF Safe Travels USA INF | 150,000 | 250 | $360 |
Insurance Plans | Policy maximum | Deductible | Cost |
---|---|---|---|
VisitorSecure WorldTrips | 50,000 | 100 | $55 |
Voyager Essential Geoblue | 50,000 | 250 | $116 |
Atlas International WorldTrips | 50,000 | 250 | $117 |
Patriot International Lite IMG | 50,000 | 250 | $121 |
Intermedical Travel Insure | 50,000 | 250 | $121 |
Atlas Premium International WorldTrips | 50,000 | 250 | $164 |
Safe Travels Outbound Trawick | 50,000 | 250 | $168 |
Globehopper senior IMG | 50,000 | 250 | $232 |
Safe Travels International Trawick | 50,000 | 250 | $233 |
The average cost of travel insurance for visitors is based on quotes for a 60-year-old for one month.
The best senior travel insurance over 60 typically offers the following key benefits:
Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses ... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.
US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans. US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage.
While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.
Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.
Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition". Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.
Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.
They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite, Elite Plus and INF Elite 90.
To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.
Visitors to the US with pre-existing ailments need to review plans that provide them coverage for their medical ailments. The plans offered here provide such coverage.
Click here to read more »Travelers who already have existing medical ailments need to be aware of the limitations of travel medical insurance coverage, and seek to buy plans that specifically offer some coverage for pre-existing conditions.
Click here to read more »Get free quotes of pre existing visitor medical insurance and compare. Some of the tips for diabetes patients to be healthy.
Click here to read more »Seniors over 60 often have pre-existing medical conditions that can lead to unexpected health emergencies while traveling. Travel insurance provides crucial coverage for:
The high medical costs in the U.S. are a major concern for seniors, as they often require more healthcare services and face significant out-of-pocket expenses. Medicare helps, but coverage gaps and rising premiums costs place a heavy financial burden on older Americans. Seniors must plan carefully for healthcare costs, and consider supplemental insurance options to ease the financial burden.
Coverage for Pre-existing conditionTravel insurance for seniors over 60 with pre-existing conditions is available, but it often comes with specific requirements. Many plans offer a pre-existing condition waiver if purchased within 14-21 days of booking the trip, provided the condition has been stable for a certain period (usually 90-180 days). Coverage may have limits or exclusions for certain conditions like heart disease or cancer, and some plans may require medical screening. It's important to carefully review the policy to ensure it covers pre-existing conditions and to check for any age-related restrictions.
Travel insurance is not just an optional extra for seniors; it is a vital component of safe travel planning. By securing comprehensive travel insurance tailored to their needs, seniors can enjoy their journeys with greater confidence and peace of mind, knowing they are protected against unforeseen circumstances that could arise while traveling abroad.
Older US citizens more than 65 years traveling overseas must be aware of travel risk and importance of international travel insurance. These US older travelers should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States.
The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare
Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.
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Know more »Carefully review exclusions in the policy, especially regarding health-related issues. Ensure the policy covers all necessary travel scenarios and emergency situations relevant to your health.
Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.
Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:
Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.
It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.
Older travelers can easily compare different travel insurance over 60 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies.
Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan
Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:
Travel insurance becomes more expensive as you get older because the risk of serious illness or death skyrockets as people age. This is especially true for those over 60 years old. According to Total Travel Protection, it is expensive to buy cover for the USA because although they have one of the best medical systems in the world, it is very expensive to get treatment there.
Yes, it is possible to find affordable travel insurance for seniors over 60. Comparing quotes, opting for basic coverage, adjusting deductibles and coverage limits, seeking discounts, and utilizing group plans can help you find cheaper options. Remember to evaluate your needs and ensure the policy provides adequate coverage.
What is the age limit for travel insurance? The age limit for travel insurance varies depending on the insurance provider and the type of policy. Many providers offer specialized plans for seniors, extending coverage to those aged 80 years and above. Some insurers even cover individuals over 90 years, though these policies may have limited benefits and higher premiums.
One can get best over 60 travel insurance by comparing different senior travel insurance plans to USA plan options both for the price as well as coverage benefits before buying a US cheap over 60s travel insurance.
Compare and buy visitors travel insurance plans offered for senior citizen travelers visiting USA...
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