Top visitor medical insurance claims for older travelers visiting the US

According to INF insurance

The top Eight visitor medical insurance claims for older travelers visiting the US are:

Ailment and average cost of treatment

Type 2 Diabetes Mellitus with Hyperglycemia
Patients admitted to the hospital Emergency Room(ER) and discharged within 1-2 days. The average bill across the US for a hypoglycemic event is around $25,000.
Cerebral Infarction, also known as stroke
This can involve a 4-5 day stay in the Intensive Care Unit (ICU) coupled with at least 2 MRI scans and follow up treatments with a Neurologist. The average cost of a cerebral infraction is nearly $100,000.

Septicemia, blood poisoning caused by bacteria often due to Urinary Tract infection. The average cost of septicemia in 2018 was over $50,000
Cerebral Artery Occlusion
Ischemic stroke- the occlusion of a cerebral artery that causes damage to the brain tissue dependent on blood supply for the affected blood vessel. Treatment for this kind of stoke will definitely need ICU care for 8-10 days, many brain scans from MRI and PET machines, and skilled follow up care. The average cost of cerebral artery occlusion in 2018 was nearly $120,000.
Non-ST-elevation myocardial infarction,commonly known as heart attack
Typical medical bills will include ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists. The average cost for Non-ST-elevation myocardial infarction in 2018 was close to $20,000.
Persistent atrial fibrillationwhich results in irregular or rapid heartbeat
Common symptoms experienced by older travelers due to extreme weather conditions can include dizziness, nausea and heart palpitations. According to INF claims data, the average cost of an atrial fibrillation in 2018 was almost $12,500.
Hypertensive emergency
A Hypertensive emergency is high blood pressure with a systolic blood pressure of over 180 mmHg or having a diastolic blood pressure over 110mmHh. This level of high blood pressure can permanently damage organs such as the brain, kidney, eyes, or heart. INF claims data found that the average treatment of hypertensive emergencies was over $85,000 in 2018.
Acute Kidney Failure
Acute Kidney Failure is a complication caused by different pre-existing conditions such as high blood pressure, urinary tract infections or diabetes. The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
Safe Travels USA Comprehensive offers coverage for acute onset of pre-existing conditions up to 70 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
The plan provides acute onset of non-chronic pre-existing conditions coverage..
Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

What does visitor travel insurance cover?

medical_services
Health care expenses

Covers hospital expenses for sickness or accidents.

group
Doctor visit

Insures Doctor visits for sudden injury or sickness.

medication
Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

ecg_heart
Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

ambulance
Medical evacuation

Medical evacuation expenses to nearest facility included.

procedure
Repat of remains

Repatriation of remains to home country included.

Resourceful tourist insurance USA information

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How much does health insurance USA for foreigners cost?*

Visitors health insurance USA cost

The cost for best travel insurance for USA visitors ranges from $16 to $150 a month The price varies based on the age of the visitor, medical maximum coverage, deductible for the plan, visitors coverage type (Fixed vs comprehensive coverage), and the visitors insurance coverage for pre-existing conditions.. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

In contrast to this, the cost of US healthcare is very expensive. The cost of a routine physician's visit is as high as $200. An echocardiogram can cost around $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500-$5,000. A Stroke resulting in ICU for about 10 days would cost $120,000. A Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost at least $20,000. The average treatment cost of acute kidney failure in the USA is over $22,000.

Given this high health care cost, one simply cannot afford to be uninsured while in the US. Another important point to note is that the cost for any treatment in the US is much lower if you have the best travel health insurance and the hospital/healthcare provider is part of the PPO network. This is beyond the actual travel insurance coverage itself, so simply having visitors medical insurance reduces the bill substantially. For all these reasons, it is vital for visitors to buy travel health insurance USA for the US.

What is the best travel insurance for USA visitors 2024?

The cost of visitor medical insurance for USA ranges between $16 to $150 per month depending on the age, type of plan and maximum coverage.

A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.

Insurance Plans	Plan Maximum	Deductible	Provider Network	Cost *
Visit USA Standard ^{Travel Insure}	$70,000	$250	United HealthCare	$75
Patriot America Lite ^IMG	$50,000	$250	United HealthCare	$76
Atlas America ^WorldTrips	$50,000	$250	United HealthCare	$76
Patriot America Plus ^IMG	$50,000	$250	United HealthCare	$76
Safe Travels USA ^{Trawick International}	$50,000	$250	First Health Network	$83
Atlas Premium America ^Worldtrips	$50,000	$250	United HealthCare	$95
Diplomat America ^{Global Underwriters}	$50,000	$250	No PPO	$121
INF Safe Traveler USA ^INF	$150,000	$250	United HealthCare	$172

* The average cost of travel insurance for USA is based on quotes for a 40-year-old for one month.

A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.

Insurance Plans	Plan Maximum	Deductible	Provider Network	Cost *
Safe Travels Advantage ^{Trawick International}	$25,000	$0	First Healthcare	$20
Safe Travels Elite ^{Trawick International}	$25,000	$0	First Health Network	$25
Visitors Care ^IMG	$25,000	$100	United HealthCare	$27
VisitorSecure ^WorldTrips	$50,000	$100	United HealthCare	$33

* The average cost of travel insurance for USA is based on quotes for a 40-year-old for one month.

Travel insurance for seniors over 90 years

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INF Travel insurance

INF Travel insurance has designed a few US visitor insurance with extremely good coverage for older travelers especially for the pre existing conditions. These plans cover all pre existing conditions including blood test, doctor appointments, specialist care...for US and NON US citizens coming to the US, which most of the other visitor insurance plans.

There fixed and comprehensive plan options available. However, comprehensive plans are the most recommended due to their flexibility in benefit coverage. Visitors to US can compare popular visitors medical insurance for pre-existing conditions and buy the best plan satisfying their needs.

General FAQ's

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.

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.