What is the Best 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.
Best Travel Insurance for 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.
- 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. info View Benefits | picture_as_pdf Brochure | shopping_cart Buy online
- 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. info View Benefits | picture_as_pdf Brochure | shopping_cart Buy online
- 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. info View Benefits | picture_as_pdf Brochure | shopping_cart Buy online
Best IMG Travel Insurance Plans for seniors
Medical Insurance for age 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.
- 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 Senior Insurance provides a policy maximum of $100,000 only for this age group.
Travel Insurance for 80 years and over
International Travel Medical Insurance for seniors over 90
- 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 Senior Insurance provides a policy maximum of $100,000 only for this age group.
IMG Travel Insurance for US Seniors
- GlobeHopper Senior 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.
- US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
GlobeHopper Senior Single-Trip
Coverage: 5 days to 365 days
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineGlobeHopper Senior Multi-trip
Coverage: 12 months total, up to 30 days per trip.
description Plan details | picture_as_pdf Brochure | shopping_cart Buy online- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
What Does IMG Senior Travel Medical Insurance Covers?
Illness or injury treatment (doctor visits, surgery, hospital stays, diagnostics, prescription meds).
Ambulance services to or between medical facilities as needed, up to a stated maximum.
There is limited coverage for pre-existing medical conditions if they occur suddenly and unexpectedly.
You can often choose your medical provider (hospital/doctor) anywhere internationally; not strictly limited to certain networks.
24/7 emergency assistance while traveling abroad. Help with claims, locating medical providers, etc.
What are the Types of Health Insurance for Elderly Visitors to USA?
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. Compare Comprehensive vs fixed benefit visitors insurance for USA.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Affordable with lower premiums | More expensive due to extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit for coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| 🌐 PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| 💳 Payment method | Usually requires upfront payment and then reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| ❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | While some plans offer pre-ex coverage, others offer coverage only for acute onset of pre-existing conditions |
| 👥 Recommended for | Travelers with fewer health concerns | Seniors looking for extensive medical coverage |
| Get a Quote » | Get a Quote » |
💰 How Much Does IMG Travel Insurance for Older Travelers in USA?
The The IMG Travel insurance cost for seniors cost per month is starting at just $29 to $408 per month, based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
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 | $1,000,000 - $8,000,000 | $250 | $240 - $494 | $408 |
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. based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
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 | Not Avilable | $177 - $232 |
❓IMG Travel Health Insurance for Seniors - FAQ's
Most IMG travel insurance plans offer coverage for travelers up to 99 years old, though the maximum policy limit decreases with age. For travelers above 80 years, coverage is typically limited to $50,000 or $100,000, depending on the plan.
No, most IMG visitor medical insurance plans are not medically underwritten. You do not need a health check-up before purchase. However, any existing medical conditions may not be fully covered unless the plan includes acute onset of pre-existing condition benefits.
IMG plans generally do not cover routine pre-existing conditions, but they may cover the acute onset of such conditions up to certain limits, depending on your age and the plan selected. Always review the policy brochure to understand how this applies.
Yes, you can purchase IMG travel insurance even after arriving in the United States. However, the coverage usually starts 24 hours after purchase, so it’s best to buy early to avoid gaps.
Coverage is available for most countries worldwide. However, sanctioned countries or active war zones may be excluded. Always check the policy documents for specific regional exclusions.
Costs depend on factors like your age, chosen coverage limit, deductible, and length of travel.
Yes, IMG offers plans like GlobeHopper Senior specifically for U.S. citizens/permanent residents aged 65+ for overseas travel.
Travelers aged 65 and older visiting the U.S. or going abroad who need protection for medical emergencies, trip interruptions, or hospital care.
Most IMG plans are renewable, allowing extensions up to the maximum coverage period (often 12–24 months). You can renew online before your policy expires.
Older Travelers Insurance Reviews
Reviews, Ratings and Experiences from our customers
Arwen E
"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."
Thomas F
"Very user-friendly online application process with various options to match your budget or needs."
Mercedes P
"The experience on the website is fantastic, and this is the third time I purchased this insurance for my trips to Spain…."
Travel Tips for International Travelers
Travel tips for international travelers – Safety, Comfort and Wellness
IMG Travel Insurance Plans that Cover Pre-existing Conditions
- Patriot America Plus offers coverage for the acute onset of pre-existing conditions for travelers up to 70 years of age. This plan is ideal for non-U.S. citizens visiting the United States who need protection for unexpected medical emergencies related to pre-existing issues.
- Another good option is Visitor’s Protect, which provides temporary medical coverage for pre-existing conditions. It includes a $1,500 deductible per illness or injury (the plan deductible is waived). Coverage limits are up to $25,000 for travelers under 70 years and $20,000 for those 70 and older. This plan offers limited benefits for pre-existing conditions for anyone traveling to the U.S. from abroad.
Why Pre-existing Condition Coverage Matters?
- Many international travelers have existing medical conditions such as diabetes, heart problems, or high blood pressure. Having travel insurance that covers pre-existing conditions ensures that if an unexpected complication occurs during your trip, your medical expenses are covered.
- Most U.S. travel insurance plans exclude pre-existing conditions, and each provider defines them differently based on a specific “look-back period”—the timeframe used to review your medical history. Any illness or symptom within that period is considered pre-existing.
- At American Visitor Insurance, we offer plans that include coverage for both the acute onset of pre-existing conditions and full coverage up to policy limits. You can easily compare plans for pre-existing condition coverage and read detailed policy brochures to choose the right one for your needs.
How Travel Insurance for Pre-existing Conditions Works?
Each plan defines how pre-existing conditions are covered. The coverage depends on several key factors:
- Look-back period: The time frame the insurer checks your medical history for past illnesses or treatments.
- Type of coverage: Whether the plan covers only the acute onset of a condition or provides full coverage.
- Coverage limit: The maximum amount the plan will pay for pre-existing condition treatment.
- Eligibility: Age and travel destination can affect which plans are available and how much coverage you can get.
Understanding these terms helps you make an informed choice and travel with confidence.
📝 How Do I File a Claim With Senior Travel Medical Insurance?
To file a claim with Patriot America Lite Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
Compare IMG Travel Health Insurance Plans - Benefits, Coverage & Prices
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