No matter what your age, we have some medical insurance options for you! However, at certain age brackets the options do become more limited which is why I have put this article together. For persons in their 60s, there are still many options available with up to $1,000,000 policy maximums. In this group, you can also get fairly good coverage for sudden and acute onset of pre-existing conditions with some plans. The best option is from Atlas America. With this plan, you get the maximum of the plan up to $100,000 for pre-existing condition coverage.Liaison Travel Economy offers coverage up to $45,000 for acute onset of pre-existing conditions till 65 years. With this plan, you get the maximum of the plan up to $100,000 for pre-existing condition coverage. The Inbound plans (Inbound USA, Inbound Guest, and Inbound Immigrant) cover sudden and unexpected recurrence of a pre-existing condition in the same, limited way as any other condition (it is a fixed plan). Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. Patriot Green, and Patriot Platinum offer pre-existing condition coverage up to $50,000 for non-US citizens under 65 years.
It is so wonderful that so many seniors are active enough for long distance travel. The 70's is the new 50's and the 80's is the new 60's it seems. Sadly though, your insurance options, especially for pre-existing condition coverage, get much fewer for senior travelers. However, there are still some options available which we have highlighted here.
Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70. This plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70. For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition. In the $50,000 range there are many fixed and comprehensive options, however coverage for pre-existing conditions is no longer available if you are over 70 in most plans, but you can check: Visitors Care, Patriot Green, and Patriot GoTravel which offer limited coverage of $2,500. Liaison Travel Elite also will cover up to $3,000 for hospital stay for heart attack or stroke with a maximum of $60,000. If pre-existing coverage is not important there are still many more options available.
Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different.
In this age group, I recommend a plan called Inbound Immigrant with a high deductible and a $50,000 maximum. It is cheaper than the Inbound USA counterpart and offers higher fixed limits on coverage which makes it a better deal all around. Unfortunately, the comprehensive policies are only for $20,000 and $10,000 maximum and I don’t think the high price tag is justified since the maximum coverage is so low (a broken bone in the hospital for three days can easily run you $40,000). Some clients worry about the name of this policy. While it is meant for immigrants to the US with or without green cards renewable up to 5 years, it is also available for any legal visitors to our lovely country. Senior Travelers above 90 years are also eligible to buy these plans. The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.