Visitor Insurance for Seniors

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Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 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 COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

US visitor insurance for senior citizens

Visitor Insurance for Seniors
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.

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 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.

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. 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. INF Advantage plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.

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, 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. INF Advantage plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250. 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.


Travel health insurance for older US travelers (65+ years)

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.
Globehopper travel insurance for older US travelers


Older travel insurance information

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