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.
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 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.
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.
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
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.
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.
What does visitors medical insurance cover?
Health care expenses
Covers hospital expenses for sickness or accidents.
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 international travel medical 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 international travel medical 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.
How much does IMG travel insurance for older travelers in usa?
The IMG Travel insurance cost for seniors cost in USA ranges from $29 to $408 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
The average cost of IMG visitor insurance for seniors for USA is based on quotes for one month.| Plan name | Plan Max Range | Deductible | Age 55 | Age 65 |
|---|---|---|---|---|
| Visitors Care | $25,000 - $100,000 | $100 | $29 - $62 | $38 - $73 |
| Patriot America Lite | $50,000 - $1,000,000 | $250 | $117 - $200 | $150 - $308 |
| Visitors Preferred | $50,000 - $1,000,000 | $250 | $123 - $231 | $164 - $210 |
| Patriot America plus | $50,000 - $1,000,000 | $250 | $124 - $235 | $167 - $358 |
| Patriot America Platinum | $5$1,000,000 - $8,000,000 | $250 | $240 - $494 | $408 |
How much does IMG travel insurance for seniors in outside USA?
The international medical travel insurance for seniors cost in Outside USA ranges from $91 to $280 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
The average cost of IMG visitor insurance for seniors for Outside USA is based on quotes for one month.| Plan Name | Medical Maximum | Deductible | Age 55 | Age 65 |
|---|---|---|---|---|
| Patriot International Lite | $50,000 - $1,000,000 | $250 | $91 - $114 | $139 - $151 |
| Patriot Platinum International | $2,000,000 - $8,000,0000 | $250 | $191 - $235 | $280 |
| Globehopper Senior | $50,000 - $1,000,000 | $250 | $177 - $232 |
IMG Travel health insurance for Seniors - FAQ's
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.
Patriot Travel insurance is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States. Patriot Travel insurance provides coverage for medical expenses, pre-existing consitions, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The insurance offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travellers.
The cost of Patriot travel insurance is dependent on the following factors: The age of the traveller, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
To buy the Patriot travel Insurance, you will need the travel dates and passport details of the traveller. This will include the name of the traveller, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Patriot travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
Patriot Travel insurance provides coverage worldwide except in your country of citizenship.
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Lite Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.
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.
Visitors Care insurance plan from IMG
Visitors Care insurance is a very affordable fixed benefit travel medical insurance.
Testimonials - From Our Customers
Easy to use and understand. I have been very satisfied with my previous purchases from this company and will continue to use them in the future.
Arwen E
Very user-friendly online application process with various options to match your budget or needs.
Thomas F
The experience on the website is fantastic, and this is the third time I purchased this insurance for my trips to Spain…
Mercedes P
What are the 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 provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
- Medical maximum coverage and deductible options: The price of visitors insurance is directly dependent 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 insurance for the United States is most expensive when compared to Europe or Asia.
- Duration of travel insurance: The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
- Any add on benefits: Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
Travel tips for international travelers
Travel tips for international travelers – safety, comfort and wellness.
IMG offers Pre-existing conditions with the following plans
Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.
Why is travel health insurance for pre-existing conditions coverage important?
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
How does travel insurance for pre-existing conditions work?
The visitor health insurance plans which cover pre-existing conditions clearly define 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 or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
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