Travel insurance for senior citizens visiting USA

Compare and buy travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date

Visitors insurance for Seniors

Are you looking for a travel health insurance for an older traveler? A senior citizen who is in his/her late 70s to visit the United States? Are your parents visiting you in the US ? Then you will find the following information useful and helpful for your situation.

It is quite a common situation where older travellers who are above 70 years also known as senior citizens are traveling outside their home country to the US in order to meet their children and family. Apart from them being in good health condition, it is a little scary considering their age when it comes to their medical needs.

Older travelers insurance plans

A daughter or a son of a senior citizen is worried about their parents forthcoming visit to the US and the need to get their parents a good medical insurance during their stay in US. In spite of them being healthy long distance travel may lead to unexpected illness or injury.

During such situations best health insurance for elderly parents visiting USA play significant role in making the individual feel hassle free, safe and secure. Since these senior citizens are Non US citizens and temporarily visiting the US, they are not eligible for the ACA, also known as ObamaCare program to get medical and health insurance cover in US.

There are several private insurance companies that offer US visa health insurance plans for parents for their short term stay in US. There are 2 kinds of medical insurance for senior citizens travelling to USA. Fixed plans and Comprehensive plans are the two kinds. Both of these plans provide good health insurance for non US. citizens over 65. After the age of 79, people who are 80 and above can purchase fixed plans as it provides better policy maximum as compared to comprehensive plans. Here at American Visitor Insurance we also have pre-existing conditions travel insurance for senior citizens.

Please have a look at this webpage to get a clear idea of the difference between Fixed and Comprehensive travel insurance for seniors visiting usa. We have pages which clearly show the plans suitable for the concerned age here in our website health insurance for seniors over 70 as well as senior citizen health insurance for seniors over 80. For people above 70 and below 80 there is some coverage available for pre-existing conditions but for people above 80, there is no coverage for pre-existing conditions. Please feel free to contact us for further clarification and our licensed agents will help you. Our customer support number is 877-340-7910 and you can email us.

What does visitors medical insurance cover?


Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation
Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

Travel insurance for acute onset of pre-existing conditions

A pre-existing condition is a medical ailment that existed before the start of the health insurance for elderly visitors to USA coverage. One of the biggest concerns in finding the best travel insurance for seniors visiting USA is to buy travel health insurance for pre-existing conditions.

Good visitor insurance with Pre-existing conditions coverage is particularly important for older travelers and parents. Only some visitors insurance offer coverage for pre-existing ailments and even there the coverage is mainly for acute onset of pre-existing ailments.

Some other travel insurance with pre-existing conditions coverage will pay for medical expenses after a waiting period of health insurance for non US. citizens over 65 coverage.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

  1. Safe Travels USA Comprehensive insurance offers coverage for acute onset of pre-existing conditions up to 70 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
  2. Atlas America insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  3. Patriot America plus insurance is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  4. Visitors Protect insurance is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  5. Safe Travels USA insurance is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
  6. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.

Best travel insurance for seniors over 60

Travel insurance for elderly to USA

No matter what your age, we have some Seniors travel medical insurance options for you! However, for certain ages, the best trip insurance options for non US senior citizens are limited, hence this article.

For older travelers in their 60s, there are many seniors travel insurance options available up to $1,000,000 medical coverage. For visitor Insurance for parents over 60 there is also good coverage for acute onset of pre-existing conditions.

travel insurance seniors 60 years.webp

Best visitors medical insurance for over 60s

WorldTrips provides good holiday insurance for pensioners.

The best travel health insurance for 60 year old travelling to the US. With the best holiday insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.

Another version of this plan with higher coverage available for some of the benefits as compared to Atlas America. You can compare Atlas Travel insurance plans.

International Medical Group International Medical Group provides good health insurance for elderly visitors to USA.

Plan offers coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70

Offers pre-existing condition coverage up to $50,000 for non-US citizens under 65 years. Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.

Plan offers pre-existing condition coverage up to $25,000 for age 69 and below with deductible up to $1,500.Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.

INF insurance gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. There are fixed benefit and comprehensive health insurance for non us citizens over 65 years options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.

This is a comprehensive plan and is the plan with excellent coverage. This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months.

This plan Provides a policy max option of $150,000; $250,000; $300,000 with a deductibles are $50; $100; $250; $500; $1,000; $2,500; $5,000. This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.

Seven Corners has good health insurance for elderly visitors to USA.

Covers Acute onset of pre-existing conditions benefit only for worldwide including the United States for age 14 days to 69 up to $25,000 and a coverage of $2,500 for age of 70-79.

Travelers must be at least 14 days old and under 80+ years to be covered by this plan. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.

For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available, other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .

Travel health insurance for seniors over 70 USA

Travel health insurance for elderly visitors

It is so wonderful that so many seniors are active enough for long distance travel. The 70's is the new 50's and the 80's is the new 60's it seems. Sadly though, travel insurance for over 70s, especially visitor Insurance for parents over 70 years for pre-existing condition coverage, get much fewer.

However, there are some visitor Insurance for parents over 70 options as seniors citizens travel insurance over 70 available which we have highlighted here.

Travel health insurance for seniors above 70 years

Travel medical insurance for seniors over 70 years

Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80. There is also a higher policy maximum option available for people above 70 up to the age of 79.

Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80. There is also a higher policy maximum option available for people above 70 up to the age of 79.

The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers acute onset of pre-existing conditions up to the maximum limit.(Insured person must be under 70 years of age)

This plan covers pre existing condition ages 70 and above it covers up to $20,000 with deductible up to $1,500.Visitors Protect Covid insurance offers coverage for coronavirus illness.

Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.

INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.

INF Safe Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.This plan covers Urinary Tract infection for older travelers above 70 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.

Travel Medical Choice Travelers must be at least 14 days old and under 80+ years to be covered by this plan. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.

Travel insurance for seniors over 75

Review travel insurance for over 75 years old.

Best travel insurance for seniors over 80

Medical insurance for senior visitors

"Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different"
As you grow old the chances of an unexpected medical emergency gets higher and even a minor injury or illness can lead to hospitalization. While traveling in a foreign country, travel health insurance for 80 year olds is extremely important and can protect senior travelers from financial losses in case of an emergency. Visitor insurance for parents over 80 years old are available as senior citizen travel insurance for above 80 with suitable benefits.

travel insurance senior above 80 years

Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years. We also have traveller insurance for 90 year old which are ideal for travelers above 90 years of age.

Older traveler medical insurance for 80 year old

Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits. It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.

This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.

This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders. It is available for travelers of ages 70 to 89 years.

This plan covers pre existing condition ages 70 and above it covers up to $20,000 with deductible up to $1,500. Visitors Protect Covid insurance offers coverage for coronavirus illness. This plan is definitely the most suitable for people with pre existing conditions coverage.

INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan. Compare and buy travel insurance over 80 years old USA.

INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan covers Urinary Tract infection for older travelers above 80 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.

This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays. For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

Best travel insurance for over 90 year travelers

Traveling as one gets older is admirable, but it must be understood that the risk of an unexpected medical emergency increases and even a minor injury or illness can lead to hospitalization. While traveling in a foreign country, especially in the US or Europe, given the high cost of healthcare, travel insurance for seniors over 90 years is extremely important and can protect senior travelers from huge financial loss in the event of an medical emergency. Visitors insurance even for 90+ year old senior travelers is available with suitable benefits.

travel insurance seniors 90 years

Compare these US travel health insurance over 90 years seniors offered by reputed US insurance companies. Travelers can get quotes and buy travel health insurance for seniors over 90 years.

Older traveler medical insurance for 90 year olds

INF Elite Plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan. Compare and buy travel insurance over 90 years old USA.

INF Safe Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan covers Urinary Tract infection for older travelers above 90 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.

This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays. For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Elite 90 Plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan. Compare and buy travel insurance over 80 years old USA. It covers 90% of eligible medical expenses

INF Safe Traveler USA 90 plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico.This plan does not cover pre existing conditions including acute onset of pre existing conditions.

This plan covers pre existing condition ages 70 and above it covers up to $20,000 with deductible up to $1,500.Visitors Protect Covid insurance offers coverage for coronavirus illness.This plan is definitely the most suitable for people with pre existing conditions coverage.

Steps to buy
US senior citizen travel insurance online

 1: Finding available health insurance plans for older travelers

Complete the US medical insurance quote request form by providing details of senior citizens and their requirements.

 2: Compare the different older traveller health insurance options

Compare the price and the benefits of the international senior citizen travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the health insurance plan documents received by email

Review the US senior citizen medical insurance policy documents received by email closely for coverage details and relevant contact numbers.

us visitors insurance online

Different types of travel insurance in USA for senior citizens

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Senior citizen travel insurance - FAQ's

1. Does US travel insurances cover pre-existing conditions? Can I get international health insurance with a pre-existing condition?

While most US travelers insurance plan do not cover pre-existing conditions, however some US travel insurance plans cover acute onset of pre-existing conditions. INF insurance is the one provider who offers travel insurance with coverage for pre-existing conditions.

2. What counts as a pre-existing medical condition for travel insurance?

Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.

3. What is the best travel insurance for over 70 with medical conditions?

INF travel insurance offers some US travel insurance with coverage for pre-existing medical conditions which are available for travel to the USA, Canada and Mexico for travelers over 70 years as well.

4. Is high blood pressure considered a pre-existing condition for travel insurance?

Most travel insurance plans will consider blood pressure as a pre-existing condition for travel insurance. However the INF insurance offer travel insurance that covers pre-existing conditions ranging including Blood pressure. The INF Premier & INF Elite travel insurance for preexisting conditions are two INF plans with coverage for blood pressure.

5. Is there a waiting period for pre-existing conditions?

Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.

6. Can I exclude a medical condition from travel insurance?

Travel Insurance plans provide coverage for unexpected sickness and injury. They provide benefits to cover emergency medical evacuation and repatriation. Apart from this, they provide coverage for the acute onset of pre-existing conditions.

If there is a medical condition that you do not need any coverage for, then yes, you can still purchase travel insurance for unexpected medical accidents which might result in a highly expensive claim expense.

7. What happens if you don't disclose pre-existing condition travel insurance?

US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.

However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.

This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.

8. Can I buy senior citizen travel insurance after starting the journey?

Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the ttravel insurance for seniors visiting usa before departing.

The claim will be invalid if the traveler attempts to buy the travel insurance and file a claim for an ailment after it occurred during the travel.

9. Does Travel Insurance go up at age 70?

All travel health insurance policies are priced by age and the number of days needed, so your age does determine your cost. The price difference between 69 and 70 IS a big jump. If you are traveling at age 69 and will turn 70 during your trip you get to pay the whole time like a 69 yr old (a real bargain).

However, some coverages which end at age 70 (like some pre-existing medical condition coverage) will end on your birthday. At American Visitor Insurance, we offer many policies for people 70+ and are adding policies all the time to improve our offering to our traveling seniors!

10. What is the cutoff age for travel insurance for senior citizens?

It depends on the company and the type of policy you are looking for. Many policies do not have a cut off age, but some do. Also, the main difference for older travelers is that the maximum of the policy available goes down with higher age.

You may only find options in the $50,000 maximum or less, but you may still find something suitable for your situation.

11. Can travelers over the age of 70 get travel insurance to US?

Yes, there are various senior citizen travel insurance covers available to US. One should be aware that the insurance cost likely is going to cost more than the younger age group .Older travelers can get acute onset of pre-existing conditions cover included in the travel insurance cover.

12. I am a tourist aged 75 years travelling to the US, can I buy US insurance?

Visitors to the US should purchase travel medical insurance while still in the home country .Tourist cannot get a domestic insurance USA plans.

13. Can older travelers travel without travel insurance?

One can travel anywhere without travel insurance. Travel often adds up costs and sometimes unexpected events will leave a huge financial damage. Especially with aged travelers as they are prone to increased medical risk.

It’s always advisable to purchasing good travel insurance for senior citizens to avoid unpleasant experiences.

14. Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give senior citizen travelers in USA a wide range of health insurance options. We have nearly two decades experience in understanding the diverse requirements of older travellers and parents in US and in offering appropriate medical insurance options to them.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate health insurance for senior citizen needs as well as guide them when using the insurance in the event of a medical or travel emergency.

We also provide answers to all health insurance for older travelers questions, reviews of different products, testimonials for customers as well as provide an user friendly US health insurance comparison tool where older travelers can compare different products based on price as well as the coverage benefits. All of these tools help travellers make an informed decision while buying travel insurance.

US visitor health insurance for seniors visiting USA

Best Visitor insurance for parents visiting the USA.

Resourceful tourist insurance USA information

Find the best travel insurance

Find out the best insurance for your budget and needs

Know more »

How does travel insurance work?

Claims process for expenses due to injury or sickness

Know more »

How to buy travel insurance?

Guide to buying the best international travel health insurance
Know more »

Travel insurance glossary

Commonly used international travel medical insurance terms
Know more »

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Know more »

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Know more »

Medical insurance for senior citizens traveling to USA resources

Senior citizen travel insurance resources

International travel insurance resources for senior citizen travelers.

Explore »

Factors for senior citizen insurance online

Important factors while deciding on the best travel insurance for senior citizen travelers.

Explore »

Types of USA travel insurance for seniors online
Different types of health insurance for elderly visitors to USA.

Explore »

Senior citizen travel insurance Claims Procedure
Senior citizens insurance online claims process for getting medical care in a hospital.

Explore »

International Travel insurance USA for senior citizens - blogs and articles

Visitor Insurance for Seniors

Compare and buy visitors travel insurance plans offered for senior citizen travelers visiting USA....

Click here to read more »

Senior citizens and health insurance for visiting US

Are you looking for a travel health insurance for an older traveller visiting the United States?...

Click here to read more »

Greater Coverage for Pre-Existing Conditions for Older Travelers

Find the best pre-existing conditions coverage options possible for your travels or for your visitors!...

Click here to read more »

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Ask me a Question?

Popular Older traveler insurance providers


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!