No matter what your age, American Visitor Insurance has some medical best international medical insurance options for you! However, at certain age brackets the options do become more limited which is why I have put this article together.
There are still many insurance options available for travelers over 60 years with up to $1,000,000 policy maximums. In this group, you can also get fairly good coverage for sudden and acute onset of pre-existing conditions with some plans.
Atlas America offers limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions). The Inbound USA covers sudden and unexpected recurrence of a pre-existing condition in the same, limited way as any other condition (it is a fixed plan).Patriot America Plus offers up to plan maximum for pre-existing conditions up to 70 years. Patriot Platinum offer pre-existing condition coverage up to $50,000 for non-US citizens under 65. INF Elite Plan 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.
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. INF Traveler USA Plan is another comprehensive plan from INF and unique feature of this plan is that it covers Urinary Tract Infections which is common among older travelers. This plan provides a policy max option of $75,000 and $150,000 with a deductible of $500. It does not cover pre existing conditions.
Visitor insurance for persons in their 70's include most policies that offer maximums of $50,000, although a few (Patriot Platinum, Diplomat America) offer up to $100,000 maximum policies. The only coverage for pre-existing conditions is now very limited, mostly to heart attack and stroke up to usually $2,500 (Visitor's Care).
The Patriot plan (Patriot Platinum) offer up to $2,500 of coverage for pre-existing conditions with no specific limitation to illness. INF Elite 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 Traveler USA 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.
In this age group, we still recommend a comprehensive plan since they provide more complete coverage. You can bring down the cost of these plans by opting for a high deductible ($1000 or $2500) and still protect yourself against a large medical bill.
Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different. In this age group, Inbound USA offers fixed benefit coverage. INF Elite 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 Traveler USA 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.
Some clients worry about the name of this policy. While it is meant for immigrants to the US with or without green cards renewable up to 5 years, it is also available for any legal visitors to our lovely country. You can review all travel insurance plans suitable for travelers aged above 80 years.
All plans we offer have emergency medical evacuation and repatriation no matter the type or maximum. The main question to decide upon is what you want to insure yourself against. Some customers are worried about the small, but more likely expenses like seasonal flu, stomach issues, etc that are common for travelers. Fixed plans will cover these sorts of things fairly well although they may never cover 100% of your expenses. If, on the other hand, you want to insure yourself against a major catastrophic medical bill, then for those under 80, a comprehensive plan with a high deductible is what I would recommend.
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. 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.
Many older US citizens have already received the Covid19 vaccination in the United States. This has enabled them the opportunity to travel fairly early in 2021 after being forced to stay within safe bubble environments for all of 2020.
However it is prudent to travel to countries where the health care infrastructure is reliable and not under stress due to the current pandemic.
It is even more important to have adequate travel health insurance for your travels. Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip Plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-Trip Plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.
Coronavirus pandemic has hugely disrupted international travel all around the globe. It has effected all age groups and the Omicron and new Delta variants is considered to be more contagious and is effecting vaccinated population too.
With the vaccine rolls outs across all countries, travel has slowly stared. However, travelers who are aged above 65 need to be very cautious and take all precautions before travelling. There are some good Covid -19 cover plans for senior citizens that can be purchased before travelling. They offer coverage for coronavirus illness regardless of which variant the illness caused.
Covers hospital expenses for sickness or accidents.
Insures Doctor visits for sudden injury or sickness.
Doctor prescribed eligible pharmacy drugs expenses.
Some plans insure acute onset of pre-existing conditions coverage.
Medical evacuation expenses to nearest facility included.
Repatriation of remains to home country included.
"Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon."
Know more »
"I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100."
Know more »
"I am pleased to say that your company is very professional in the field of Insurance.
The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need."
Know more »
If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
No.
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions. These conditions can include chronic illnesses such as diabetes, heart disease, or cancer, or any other condition that requires regular medical treatment or attention.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
Aquí hay algunos consejos sobre seguros de viaje para viajeros con condiciones preexistentes:
Hay varios planes de seguro de viaje de EEUUdisponibles para viajes internacionales, sin embargo, la mayoría de estos planes de seguro de viaje excluyen condiciones preexistentes. Esto significa que un plan de seguro de viaje no cubrirá los costos del tratamiento de una condición médica preexistente. Por lo tanto, la compañía de seguros puede rechazar un reclamo si la dolencia ya existía cuando se compró el seguro de viaje.
INF es el único proveedor de seguros de EEUUque ofrece a los visitantes cobertura de seguro de viaje para condiciones preexistentes sin limitarlo al inicio agudo de una condición preexistente. El INF Elite Los planes de seguro cubren condiciones preexistentes hasta un límite de condiciones preexistentes claramente definido que es diferente del máximo de la póliza. Es muy importante comparar los diferentes seguros de viaje para la cobertura de condiciones preexistentes por el precio y los detalles de la cobertura antes de comprar el seguro de viaje de EEUU.
Hay muchos viajeros internacionales que tienen dolencias médicas y es importante que estén bien informados sobre el seguro de visitantes para condiciones preexistentes. Muchos de los planes de seguro de viaje regulares excluyen cualquier cobertura para condiciones preexistentes. La definición de condiciones preexistentes varía para los diferentes proveedores de seguros, ya que tienen un período de "retrospectiva" y cualquier dolencia médica durante este período de revisión se consideraría preexistente.
En American Visitor Insurance, ofrecemos planes que ofrecen cobertura para el inicio agudo de una condición preexistente, así como cobertura completa para condiciones preexistentes hasta un límite claramente definido en el documento de la póliza. Todos estos detalles se pueden comprender mejor utilizando nuestras instalaciones para comparar el seguro de visitantes para condiciones preexistentes.
Los planes de seguro médico de viaje que cubren condiciones preexistentes tienen definiciones claras de lo que es una condición preexistente, el período retrospectivo para la condición preexistente, si la cobertura del seguro de viaje se limita a la aparición aguda de condiciones preexistentes y si proporciona cobertura completa para condiciones preexistentes, el límite de cobertura dentro de la póliza para condiciones preexistentes. Cualquier cobertura de seguro médico de viaje para condiciones preexistentes dependerá de todos estos factores.
Los siguientes son los factores importantes a considerar al comprar un seguro de viaje para condiciones preexistentes
After a long period of closing border to internatiol travelers, the United States is again opening its borders after the Covid19 pandemic. The US authorities have stated that from November 2021 international travelers will be allowed to the country but they will have to be fully vaccinated for Covid19 as well as show proof of a negative test for Covid19 test taken 3 days prior to boarding the US flight.
According to the Center for Disease Control (CDC), the US authorities will accept vaccines approved for emergency Covid use by the World Health Organisation.
Visitor Insurance Resources
Choose international travel insurance resources for travel outside your home country.
Explore »
Factors for Travel Insurance
Important factors to consider while deciding on the best travel medical insurance.
Explore »
Types of Visitor Insurance
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
Explore »
Travel Claims Procedure
Travel medical insurance online claims process for getting medical care in a hospital.
Explore »Older travel medical insurance for 60 years
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.
Older traveler medical insurance for above 70 years
Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70. Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70. For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
Shopping_Cart Buy onlineAtlas 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.
Shopping_Cart Buy onlineAtlas 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.
Shopping_Cart Buy onlineThe highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition. In the $50,000 range there are many fixed benefit and comprehensive plan options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.
Shopping_Cart Buy onlineTravel Medical Plus Travelers must be at least 14 days old and under 75 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.
Shopping_Cart Buy onlineVisitors 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.
Shopping_Cart Buy onlineTravel Medical Choice also will cover up to $3,000 for hospital stay for heart attack or stroke with a maximum of $60,000. If pre-existing coverage is not important there are still many more options available.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineOlder traveler medical insurance for above 80 years
In this age group, I recommend a plan called Inbound USA Basic insurance and Inbound USA Choice insurance with a higher deductible and up to $100,000 maximum.
Unfortunately, the comprehensive visitors insurance for over 80 years are only for $20,000 and $10,000 maximum and I don’t think the high price tag is justified since the maximum coverage is so low (a broken bone in the hospital for three days can easily run you $40,000).
While Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country. Senior Travelers above 90 years are also eligible to buy the Inbound USA Basic and Inbound USA Choice insurance.
Shopping_Cart Buy onlineThe Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition. Compare and buy best travel insurance for seniors over 80.
Shopping_Cart Buy onlineNon-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.
Shopping_Cart Buy onlineThis 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.
Shopping_Cart Buy onlineThis 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.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineThis 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.
Shopping_Cart Buy onlineOlder traveler medical insurance for above 90 years
In this age group, I recommend a plan called Inbound USA Basic insurance and Inbound USA Choice insurance with a higher deductible and up to $100,000 maximum.
Unfortunately, the comprehensive visitors insurance for over 80 years are only for $20,000 and $10,000 maximum and I don’t think the high price tag is justified since the maximum coverage is so low (a broken bone in the hospital for three days can easily run you $40,000).
While Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country. Senior Travelers above 90 years are also eligible to buy the Inbound USA Basic and Inbound USA Choice insurance.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineThis 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.
Shopping_Cart Buy onlineINF 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
Shopping_Cart Buy onlineINF 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.
Shopping_Cart Buy onlineWe try to provide the best travel insurance for seniors options given their unique requirements. The plans available differ based on the age of the traveler and the any unique requirement for acute onset of pre-existing conditions for senior traveler. We have made a list of good travel insurance options for older travelers.
Senior citizen travelers can use our user friendly compare travel insurance tool to find the best 60+ older traveler insurance offered by top US rated insurance providers. This comparison tool helps travelers compare prices of all the plans along with the coverage benefits.
There are different factors to consider while buying travel insurance . There are 2 types of insurance plans namely fixed benefits and comprehensive benefit insurance plans. Fixed benefit plans are affordable but offer scheduled benefits and suitable for travelers requiring limited coverage. Comprehensive plans are expensive but offer extensive coverage and these plans are ideal for senior travelers who need coverage for all the expenses.
These plans also have a wide range of deductibles which is the initial amount the travelers needs to pay before the insurance start paying. Plans with higher deductibles are cheaper than plans with lower deductibles.Apart from the above factors, few travel insurance plans offer additional coverage for Acute onset of Pre-existing conditions.
By doing a good research and keeping these travel insurance coverage features in mind, senior travelers can save money on the best travel medical insurance years as per their requirements. Please know we are here to help you make the best, informed decision! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
There are some good travel insurance who offer pre-existing condition insurance plan for seniors over 75 years. We have these exciting options with an exceptionally high maximum (for this age group of 75-79 years) amount.
While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.
We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.
Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Senior Citizen travel insurance
Senior travelers above 60 years
Senior citizen insurance over 65
Trave insurance 70 years
Senior travelers over 75 years
Senior travelers over 80 years
Senior travelers over 90 years
Pre-existing visitors insurance
Parents visitors insurance for USA
Schengen visa plans for Seniors
