Are you looking for a travel health insurance for an older traveller? A senior citizen who is in his/her late 70s to visit the United States? 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. 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 health insurance play significant role in making the individual feel hassle free, safe and secure. Since these senior citizens are Non US citizens, they are not eligible to 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 plans available. Fixed plans and Comprehensive plans are the two kinds. Both of these plans provide good coverage for people from age 69 to 79. 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 have plans available for senior citizens. Please have a look at this webpage to get a clear idea of the difference between Fixed and Comprehensive plan. We have pages which clearly show the plans suitable for the concerned age here in our website Plans for seniors over 70 years and Plans 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. Our customer support number is 877-340-7910 and you can email us.
Covid travel health insurance for senior citizens visiting USA, Health insurance for elderly visitors to USA
International travel has been increasing again after the complete lockdown due to the Covid 19 pandemic. 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 good covid travel health insurance for seniors. Elderly travelers can compare Senior citizen travel insurance with Covid coverage by using our visitors insurance compare tool. In the facility, we have a question clarifying if you need to compare visitors insurance for Covid 19. Even within our display comparing best travel insurance for Covid19, we have a "filter" option where visitors can filter for Senior citizens Covid 19 travel insurance coverage plans only. Based on Covid travel medical insurance requirements for seniors we display all the available Covid travel insurance plans from top rated US insurance providers.Best health insurance for senior citizen visiting USA
Inbound USA plan from Seven Corners: This plan has the policy maximum options of $50,000, $75,000 and $100,000 for people above the age 90. This plan again does not provide coverage for acute onset of pre existing conditions. This one is a fixed plan too. In this page here Inbound USA, you can compare the plans and review the benefits in order to decide the right plan.
Senior citizens who are traveling to popular destinations in United States should be aware of this fact given the costly health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. There are some visitor insurance plans from INF that offer coverage for pre-existing medical ailments.
INF Fixed plans:
INF plans are unique in which they cover pre -existing conditions unlike other insurance plans which limit their coverage to certain age for pre existing conditions. For people above 90, INF Premier and INF Standard plans are available.
INF Premier plan: This fixed plan provides a policy maximum option of $100,000. The deductible options available are $250 and $500. There is a pre existing deductible as well for this plan. You can choose between $1000 and $5000 for pre existing deductible. This plan covers up to $15,000/$25,000 for deductible of $1000/$5000 respectively. Apart from the other benefits available in other plans, this plan covers anaesthetist charge of up to $1,250 maximum.
INF Standard plan: This fixed plan from INF provides policy maximum options of $50,000 and $100,000. The deductible options available are $250 and $500. This plan does not provide coverage for pre existing conditions.
INF Comprehensive plans:
INF Elite and INF Traveler USA plans are the comprehensive plans available to the people above the age of 90.
INF Elite plan: This plan provides a fixed policy maximum of $75,000 and a fixed deductible of $500 for people of this age range. The plan covers pre existing condition and provides up to $20,000 with a pre existing deductible of $1,500.
INF Traveler USA plan: This plan provides a fixed policy maximum of $75,000 and a fixed deductible of $500 like the INF Elite plan. This plan covers pre existing conditions up to $20,000 with a pre existing deductible of $250.
Senior citizens who are traveling to popular destinations in United States should be aware of this fact given the costly health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. There are some visitor insurance plans from INF that offer coverage for pre-existing medical ailments.
INF Fixed plans:
INF plans are unique in which they cover pre -existing conditions unlike other insurance plans which limit their coverage to certain age for pre existing conditions. For people above 90, INF Premier and INF Standard plans are available.
INF Premier plan: This fixed plan provides a policy maximum option of $100,000. The deductible options available are $250 and $500. There is a pre existing deductible as well for this plan. You can choose between $1000 and $5000 for pre existing deductible. This plan covers up to $15,000/$25,000 for deductible of $1000/$5000 respectively. Apart from the other benefits available in other plans, this plan covers anaesthetist charge of up to $1,250 maximum.
INF Standard plan: This fixed plan from INF provides policy maximum options of $50,000 and $100,000. The deductible options available are $250 and $500. This plan does not provide coverage for pre existing conditions.
INF Comprehensive plans:
INF Elite and INF Traveler USA plans are the comprehensive plans available to the people above the age of 90.
INF Elite plan: This plan provides a fixed policy maximum of $75,000 and a fixed deductible of $500 for people of this age range. The plan covers pre existing condition and provides up to $20,000 with a pre existing deductible of $1,500.
INF Traveler USA plan: This plan provides a fixed policy maximum of $75,000 and a fixed deductible of $500 like the INF Elite plan. This plan covers pre existing conditions up to $20,000 with a pre existing deductible of $250.
Does senior citizens travel health insurance cover covid 19 illness?
There are some USA Covid travel medical insurance for old age plans that cover covid 19 as a new illness. Senior citizen travel health insurance can be compared for Covid travel insurance with coronavirus coverage and bought online. These US covid travel insurance plans are available for senior citizens traveling to the US, US senior citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
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.
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!
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.
US visitor health insurance for seniors visiting USA
Click here