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.
Travel medical insurance for visitors stranded in the USA because of Coronavirus
It is heart breaking that so many international travelers are stranded in the US due to COVID-19. International travel has come to a standstill with many countries totally stopping their airspace. The US has shockingly become the center of the global pandemic, with over 1.4 million Covid19 patients and over 85,000 fatalities. International travelers in the US have to contend with expenses related to unplanned travel and stay, but given the very high cost of US healthcare, they also have to be sure that they have adequate visitors insurance which can also coverage for Covid19. At American Visitor Insurance, we are committed to getting you the best visitors insurance coverage in these uncertain times. There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.Trawick International Insurance:
Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance.The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years . You can compare all Safe Travels USA Insurance plans compare all Safe Travels USA Insurance plans and buy it online to get coverage as early as the following day.Global Underwriters:
Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.INF travel insurance:
INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance and Premier Insurance are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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.