Visitor Insurance for Seniors

No matter what your age, American Visitor Insurance has some 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.

For traveler's in their 60's

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 plans (Inbound USA, Inbound Guest, and Inbound Immigrant) cover 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.

For traveler's in their 70's

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.

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.

For traveler's in their 80's

Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different. In this age group, I recommend a plan called Inbound Immigrant with a high deductible and a $50,000 maximum. It is cheaper than the Inbound USA counterpart and offers higher fixed limits on coverage which makes it a better deal all around. Unfortunately, the comprehensive policies are only for $20,000 and $10,000 maximum and I dont 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). 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.

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Tagged by Travel Insurance for Seniors| Senior Insurance Visitor Travel Insurance

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