👵 Visitors Insurance for Seniors
- We often receive queries from older travelers visiting the US for different occasions and varying durations of stay.
- Since US Travel health insurance is a key requirement, seniors should carefully evaluate their options to find the best seniors travel insurance plans (commonly referred to as travel insurance for seniors).
💰 Cost Factors for Trip Insurance for Seniors to US
The price of the best trip insurance for seniors to US depends on:
- Travel duration
- Age of the traveler
- Policy maximum selected
- Deductible chosen
🧾 Coverage Limitations for Senior Citizen Travel Insurance
Senior citizen travel insurance For travelers above 70 years, benefits are often limited due to age.
International medical travel insurance for seniors may:
- Restrict policy maximum values
- Offer limited or no coverage for pre-existing conditions
👨👩👦 Buying for Couples or Families
- Travelers often ask if they should buy two separate plans or a single combined plan for spouse/family.
- The deciding factor: age bar of the primary insured and spouse.
- In a combined plan, the policy maximum applies separately to each individual.
- Example: If the policy maximum is $100,000, both individuals are entitled to $100,000 each, not shared.
🧳 When to Buy a Combined International Travel Health Insurance Policy?
✅ Best Time for Couples
- Works best when both travelers are below 70 years of age.
- One person is the primary insured, the other added as a spouse.
- No change in benefits – coverage for pre-existing conditions, sports, and more remains the same.
📌 Policy Maximum
- In a combined policy, the policy maximum applies separately to each individual.
- Both share a common Certificate Number but keep individual coverage.
👥 Example Case
- Husband: 64 years old, good health.
- Wife/Spouse: 58 years old, has a pre-existing condition under maintenance.
👉 A combined plan works well, since most policies cover pre-existing conditions up to age 70. - Some seniors travel insurance plans extend coverage up to age 80.
🌍 Recommended Plans
Some of the best comprehensive plans with pre-existing condition coverage:
🛡️ When to Buy 2 Separate Visitor Insurance Policies?
✅ Best Situations
- When two travelers fall into different age groups (one above 70 and the other below 70).
- Each person can then purchase a policy that provides sufficient coverage for their specific age range.
👴 Pre-Existing Condition Coverage
- If the traveler above 70 has a pre-existing condition, they must buy a plan that offers good pre-existing condition coverage for 70+ travelers.
- The traveler below 70 can buy any plan that covers pre-existing conditions up to age 70.
- Above 70 → Choose specialized plans for seniors with pre-existing coverage.
- Below 70 → More flexibility; any plan that meets requirements works fine.
📌 Example
- Husband: 75 years old, has a visitors insurance coverage for pre existing condition.
- Wife: 68 years old, in good health.
- Wife (68) → Can buy any plan that offers pre-existing condition coverage up to age 70 or extends beyond.
- Husband (75) → Needs a senior travel insurance plan that covers pre-existing conditions for 70+.
👉 In this case, buying two separate plans ensures both get adequate coverage.
🏥 Plan Recommendations
- comprehensive plan is advisable over a fixed benefit plan due to flexible benefits.
- However, for travelers above 80, some fixed benefit plans may provide a higher policy maximum compared to comprehensive ones.
Travel Health Insurance for Elderly Immigrants in the USA
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
💰 What Is the Cost of Travel Insurance for Seniors Visiting the USA?
The cost of travel insurance for seniors starts at around $30 per month, based on a 50-year-old traveler choosing a plan with $25,000 coverage and $0 deductible. Actual costs may vary depending on the traveler’s age, insurance provider, type of plan (comprehensive vs fixed benefit insurance), coverage limits, and whether the plan includes coverage for pre-existing conditions.
How Much Does the Cheapest Travel Insurance for Senior Citizens Cost?
Affordable travel insurance for seniors visiting USA starts at $30 per month for fixed benefit plans. The cost is based on quotes for one month with $0 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $30 - $85 | $39 - $102 | $60 - $166 | $165 - $593 | Not available |
| Venbrook Essential | $25,000 - $150,000 | $37 - $108 | $49 - $124 | $68 - $147 ? | $315 ? | $315 ? |
| Safe Travels Elite | $25,000 - $175,000 | $37 - $114 | $50 - $134 | $109 - $155 | $283 - $553 | $315 ? |
| Vistors Care | $25,000 - $100,000 | $39 - $85 | $51 - $92 | $69 - $153 | $151 ? | $151 ? |
| VisitorSecure | $50,000 - $130,000 | $61 - $108 | $72 - $94 | $96 - $139 ? | $221 ? | $221 ? |
How Much Does Comprehensive Visitor Insurance for Seniors Cost?
The best visitor health insurance for seniors visiting USA starts at $127 per month for comprehensive insurance plans. The cost is based on quotes for one month with $250 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Visitors Preferred | $50,000 - $1,000,000 | $127 - $239 | $148 - $301 | $253 ? | $746 ? | $746 ? |
| Venbrook Premier | $25,000 - $150,000 | $129 - $237 | $176 - $346 | $352 - $437 ? | $775 ? | $775 ? |
| Patriot America Plus | $50,000 - $1,000,000 | $128 - $243 | $164 - $311 | $289 - $434 ? | $790 ? | $790 ? |
| Atlas America | $50,000 - $2,000,000 | $131 - $261 | $177 - $378 | $355 - $444 ? | $528 ? | $528 ? |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $148 - $278 | $172 - $351 | $294 - $470 ? | $1015 ? | Not Available |
| Diplomat America | $50,000 - $1,000,000 | $182 - $313 | $229 - $301 | $353 ? | $746 ? | $746 ? |
| SafeVista Protect | $50,000 - $1,000,000 | $158 - $225 | $215 - $248 ? | $320 ? | $789 ? | $789 ? |
| Travel Medical Choice | $50,000 - $1,000,000 | $192 - $344 | $275 - $514 | $493 - $668 ? | $814 ? | $814 ? |
How Much Does 6 Month Insurance For Elderly Travelers To USA Cost?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, depending on the coverage amount, deductible, and whether the plan includes acute onset of pre-existing condition coverage. On American Visitor Insurance, seniors can easily compare and buy the best 6 month USA travel insurance that is affordable, reliable and allows the older travelers stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Which is the cheapest travel insurance for senior citizens?
The Cheapest travel health insurance for senior citizens is Safe Travels Advantage.
The other Affordable Travel Insurance for U.S. Citizens include Venbrook Essential and Visitors Care.
Safe Travels Advantage
Trawick International
$39 per monthAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$49 per monthAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
What is the best international travel insurance for seniors in the USA?
The best travel insurance for seniors in USA is listed here:
- Patriot America plus is a comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is designed for non-U.S. citizens visiting the U.S., and for U.S. and non-U.S. citizens living abroad making short visits to the U.S. Plan is suitable for Green Card holders as long as they reside outside the US.
- Atlas America Insurance is a comprehensive visitor insurance designed for non-US citizens and Non-US residents while visiting. This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
- Safe Travels USA Comprehensive Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
- VenbrookPremier plan offers coverage up to $1,000,000, acute onset of pre-existing conditions covered up to 70 years. Non-cardiac events are covered up to the policy limit for ages up to 70 years. While cardiac-related coverage covers up to policy maximum for ages up to 64 years, up to $25,000 for those aged 65 to 69 years and $15,000 for ages 70 and over
- SafeVista Comprehensive plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 99 years.
- INF Elite X This plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.
Resourceful Tourist Insurance USA Information
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Claims process for expenses due to injury or sickness
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Guide to buying the best international travel insurance
Click here to read more »Travel insurance glossary
Commonly used international travel medical insurance terms
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Best Travel Insurance Plans for Senior Citizens
Best travel insurance for seniors over 60
Best travel insurance for seniors over 70
Best visitors insurance for parents over 80
Best travel insurance for over 90
Travel Insurance for Senior Citizens
Senior Citizen Travel Insurance
Compare and buy visitors travel insurance plans offered for senior citizen.
Read More »Pre-existing conditions for Senior Citizens
Compare and buy best pre-existing plans for senior citizens.
Read More »Annual travel insurance for Senior Citizens
Best Annual travel medical insurance for senior citizens travelling to USA.
Read More »Older Travel Insurance FAQs
1. What travel insurance is best for seniors?
Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.
2. At what age does travel insurance become expensive?
Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older. Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.
3. How can seniors save money on travel insurance?
Senior citizen travelers can use our user compare travel insurance tool to find the best 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 for above 60 years.
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 for 60 years as per their requirements. Please know we are here to help you make the best, informed decision to get travel medical insurance and above! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
4. What travel insurance is best for seniors?
Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.
5. At what age does travel insurance become expensive?
Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older.
Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.
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