IMG travel medical insurance for seniors

Travel insurance for over 60 years

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An overview

Travel medical insurance for seniors

The travel Insurance industry is very big and is a very important requirement considering the large number of people traveling all around the world. It is also quite common for travelers above 60 years of age traveling overseas either for a vacation or visiting family members. The International Medical Group (IMG) has some travel insurance plans that has been designed keeping elderly travelers in mind.

Older traveler Insurance above 65

60 years and above:

For people who are aged between 60 and 65 years, they can get the maximum benefits of any plan that they wish to buy, as they are well within the age range to be eligible for all the benefits that are not limited due to age.

Patriot America Lite/Patriot Travel plan: This is a comprehensive plan in IMG and is suitable for people traveling out of their home country. This plan is available with the policy maximum option of starting from $50,000 to $100,000, $500,000 and $1,000,000. This plan does not provide coverage of pre-existing conditions.

Patriot America Lite Logo     View benefits Brochure Buy Now

Patriot America Plus: This is the revised version of the Patriot America Lite plan. For the Non US citizens coming to the US which includes parents or any other visitors, Patriot America Plus would be a good plan to buy. This is a comprehensive plan and it has this special benefit where it covers the acute onset of pre-existing conditions up to age 70 years.

Patriot Platinum: There is another comprehensive plan, which is more expensive when compared to the Patriot America Plus plan. However the Platinum plan it is available with a policy maximum starting from $1,000,000 and goes up to $8,000,000 while the highest policy maximum with the Patriot America Plus plan ends at $500,000 after starting at $50,000.

The Patriot Platinum plan covers people above 65 for acute onset of pre-existing condition, for up to $2500 which is not available with the Patriot America Plus plan, and covers up to policy maximum for people below 65. This plan is available for both Non US citizens and US citizens.

Patriot Platinum Insurance Logo     View benefits Brochure Buy Now

Visitors Care: People in this age range can also get something out of fixed plan from IMG which is Visitors Care. It is advisable to choose a comprehensive over fixed due to the nature of the coverage that we get with them. Individuals sometimes prefer this plan while coming to the US as it is economical and covers basic minor expenses without any hassles. This plan covers acute on set of pre-existing coverage up to the plan maximum under 70 years.

Visitors Care Logo     View benefits Brochure Buy Now

Older US citizens have been among the earliest to receive the Covid19 vaccination. This has enabled older US citizens the opportunity to travel in 2021 after being forced to stay within bubble environments for all of 2020. However, given the Covid pandemic, it is very important to buy good travel medical insurance which also covers Covid19 while traveling outside the US.

GlobeHopper plan: This is designed for US senior citizens and permanent residents who are above 65 years of age and are qualified for Medicare and are enrolled in Medicare parts A and B. This coverage is available only outside the United States. The single trip plan and is renewable for up to 12 months.

This is suitable for travelers who need secondary coverage. There is a multi tri plan that covers travelers who often do multiple trips in a 12 month period. Each trip covered up to 30 days maximum. This plan provides a policy maximum ranging from$50,000 going up to $1,000,000 for this group

GlobeHopper Logo     View benefits Brochure Buy Now for single trip Buy Now for multi trip

70 years and above:

For people in the age of 70 and above, can also buy all the plans listed for 60 and above but the limitations in the benefits are applicable and the price of the plan increases as well. There may be some changes in the policy maximum options as well, for this age range. Patriot America Plus do not cover the acute onset of pre-existing coverage for this group of people.

The other Patriot plans have a coverage of $2,500 available for acute onset of pre-existing conditions. The Visitors Care plan provides acute on set of pre-existing coverage up to the plan maximum under 70 years. The brochure of the plans is very helpful to see the details in each and every plan. The Globe Hopper plan provides the same policy maximum for this group as well like it provides for 60 and above.

80 years and above:

For people above 80, the options are the same as for people of age above 70. The policy maximum for people above 80 is reduced to $10,000 with all the plans. Only the Patriot Platinum plan provides a policy maximum of $20,000 for this age group. The GlobeHopper plan provides a policy maximum of $100,000 only for this age group.

90 years and above:

For people above 90, the options are the same as for people of age above 80. The policy maximum for people above 90 is reduced to $10,000 with all the plans. Only the Patriot Platinum plan provides a policy maximum of $20,000 for this age group. The GlobeHopper plan provides a policy maximum of $100,000 only for this age group.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Resourceful travel insurance information for new customers...

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Claims process for expenses due to injury or sickness
Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
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Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage

Travel health insurance for Seniors - FAQ's

At what age does travel insurance become expensive?

Travel insurance starts costing higher with age and is noticeable after the age of 65. Most of the plans start limiting coverage for acute onset of pre-existing condition after this age. Some plans continue to provide good amount of benefits up to age of 79. Very few plans pay flexible benefits up to age 89.

However, the policy maximum on the plans get limited to $10,000 or $20,000 with most of the plans. Few of them provide up to $50,000 and very few provide $100,000 as the policy maximum.

Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

Steps to buy
US travel insurance online

 Step 1: Finding all available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the visitors insurance documents & download visa letter is required

Step by step travel insurance

Factors that determine the cost of US travel insurance plans

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance:

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.

Older travel insurance information

Visitor insurance resources

Visitor insurance resources

Visitors travel insurance for medical emergency outside your home country.

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Factors for travel insurance

Visitors insurance factors

Important factors while deciding on the best travel insurance for USA.

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Types of visitor insurance

Types of travel insurance online

Understanding different types of travel health insurance plans.

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Claims Procedure

Travel insurance claims procedure

Travel insurance online claims process for getting medical care in a hospital.

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Compare quotes and details of Patriot travel plans with other insurance plans:
C Comprehensive Plans

Senior citizen travel insurance with Covid coverage

While travelling in the midst of a coronavirus pandemic has increased the risks involved, it is all the more important that one must have the right international travel health insurance for seniors with proper Covid-19 coverage. At America visitor insurance we offer travel insurance for seniors with coverage for Covid19 as any other illness.

Senior citizens travel insurance compare tool displays the best travel insurance for over 60 years based on the factors like the travelers age, length of travel, maximum coverage required, deductible and the need for pre-existing conditions and covid coverage. This helps travelers make an informed decision to get the best travel medical insurance for seniors coverage even for COVID-19!

Senior citizens travel insurance for the USA

In 2022, the US has opened its borders for international travelers despite the Omicron variant spreading across the country. The US authorities are however insisting that all international travelers will have to be fully vaccinated for Covid19 as well as show proof of a negative test for Covid19.

Travelers need to provide complete contact details of the stay in the US. According to the Center for Disease Control and prevention (CDC), the US authorities will accept vaccines approved for emergency Covid use by the World Health Organization. Given the high cost of US healthcare and the pandemic situation, it is of vital importance for older travelers to have proper travel medical insurance for seniors.

Patriot Travel Insurance Restrictions

Patriot Travel Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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