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 Travel Medical USA Visitor insurance 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 Safe Traveler USA insurance 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 Safe Traveler USA insurance 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 Safe Traveler USA insurance 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.
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.
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or United HealthCare 
Policy maximum?
$25,000, $50,000, $100,000
Deductible options?
$0, $50, $100
Period of coverage?
5 days to 2 years
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 12 months
Policy maximum?
$25,000, $50,000, $100,000, $250,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 and $5,000
Period of coverage?
5 days to 12 months
or United HealthCare Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000 $2,500
Period of coverage?
5 days to 12 months
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000 $2,500
Period of coverage?
15 days to 12 months
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 364 days
Policy maximum?
$50,000, $100,000
Deductible options?
$100, $200
Period of coverage?
5 days to 364 days
Policy maximum?
$50,000, $100,000, $150,000
Deductible options?
$0, $100, $250, $500
Period of coverage?
364 days
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000
Period of coverage?
5 days to 364 days
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
or First HealthCare Policy maximum?
$75,000
Deductible options?
$0
Period of coverage?
5 days to 364 days
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 364 days
or First HealthCare Policy maximum?
$20,000
Deductible options?
$0, $250, $500, $1,000
Period of coverage?
5 days to 364 days
Policy maximum?
$20,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
or Unitedhealthcare Policy maximum?
$50,000
Deductible options?
$250, $500, $1,000, $2,500 or $5,000
Period of coverage?
90 days up to 12 months
Policy maximum?
$75,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
Policy maximum?
$100,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
Policy maximum?
$75,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
or Unitedhealthcare Policy maximum?
$50,000
Deductible options?
$250, $500, $1,000, $2,500 $5,000
Period of coverage?
90 days to 364 days
or First HealthCare Policy maximum?
$20,000
Deductible options?
$0, $50, $1,000, $2,500, $5000
Period of coverage?
5 days to 364 days
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Review US visitor insurance plan benefits.
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance. The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Choose international travel insurance resources for travel outside your home country.
Explore »Important factors to consider while deciding on the best travel medical insurance.
Explore »Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
Explore »Travel medical insurance online claims process for getting medical care in a hospital.
Explore »The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Compare and buy best pre-existing plans
We 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.
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide, INF insurance, HTH Worldwide and Venbrook International.
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