Best travel insurance for seniors visiting USA
Older travelers need good senior citizen travel insurance USA coverage to avoid financially catastrophic situation in case of a health emergency. Get the best travel medical insurance for seniors visiting USA from known US insurers by completing this form.
Health insurance for elderly visitors to USA
Why is travel medical insurance necessary for seniors visiting the USA?
The US is a land of immigrants where people from all over the world have been living here and have close ties with their families abroad. Visitors to the US therefore include many seniors like parents visiting their children and grandchildren who stay for longer periods to spend time with their families.
- Health related risks for these visitors due to long flights, change in time zone, new food and climate are quite common with these older travelers.
- US expensive healthcare can be overwhelming and heavy on the pockets of these older travelers.
- Domestic health insurance plans like the US employer health plans and Medicare are not available for the visitors and there are no government funded healthcare programs for visitors in the US.
- Travel health Insurance is an essential requirement for these older travelers to provide coverage in case of any medical emergencies. With the Covid pandemic it is even more important to have travel insurance when you travel overseas.
- Plans with flexible coverages are available for seniors with coverage for acute onset of pre-existing conditions and all the special coverages available vary with the age of the individual.The coverages and policy maximum values reduce after the age of 70.
- Plans with PPO Networks are available for visitors which significantly lower the costs of medical expenses in case of claim.
- Risks involved without travel health insurance include paying huge amounts of hospital bills out of pocket which can leave you financially overwhelmed and the purpose of your visit is ruined with concerns about paying the hospital bills.
At American Visitor Insurance, travelers can view and compare the travel health insurance plans for visitors visiting the US at our visitor compare quote form. Fill the form and view the plans suitable for your age and policy maximum preference.
What are the benefits of best travel insurance for seniors in USA?
Recalling that the exceptionally high cost of healthcare in the US and the unavailability of domestic healthcare for visitors, make it almost a mandatory requirement to have travel health insurance for any medical emergencies for visitors to the US.
Let us have a look at the benefits offered by these travel health insurance plans:
- Hospital room expenses: This covers treatment and the equipment expenses in the hospital for the treatment received.
- Physician visit This is the expense for visiting a doctor for an unexpected sickness or injury. This can include copay and deductible or have no copay and $0 deductible option as well.
- Urgent Care: This is the expense of using the urgent care room for any kind of urgent emergency care received in the hospital.
- Prescription drugs and medication: This covers the amount for the medication prescribed by the physician for the treatments received
- Outpatient expenses: This includes the expenses for the ambulance if applicable and any other surgical facilities and labs.
- Medical Evacuation: This is the emergency medical evacuation cost which can range anywhere from $25,000 up to $1,000,000 coverage depending on the plan.
- Repatriation of remains: This benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. This is another important benefit that is covered in a travel health insurance plan which can be up to $50,000 again depending on the plan.
- Dental coverage: Most of the travel health insurance plans provide this coverage and it can range anywhere from $300 to $500 depending on the type of plan.
- Travel insurance for acute onset of pre-existing conditions: This is available in most plans although this benefit is removed for the people above 70 in most plans and fewer plans provide coverage for those above 70. Some of the plans with good coverage for pre-existing conditions are INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre-existing conditions before actually buying the travelers insurance and view the available plans for you.
What factors affect the cost of medical insurance for senior citizens traveling to USA?
Several factors influence the health insurance for elderly visitors to USA cost, which includes:
- Age of the traveler: The visitors insurance cost increases significantly with the age of the traveler, particularly for the seniors over 70 and 80.
- Type of visitor insurance: Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
- Coverage amount: Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) or add-on benefits generally cost more.
- Pre-existing conditions: Best travel insurance for visitors to USA plans that offers acute onset or pre-existing medical conditions with comprehensive coverage will be expensive.
- Coverage region: The visitor health insurance to the USA is more expensive due to the high healthcare costs when compared to other countries.
- Duration of stay: The cost of the travel insurance directly depends upon the length of travel.
- Deductible chosen: Plans with higher deductibles are typically cheaper but require you to pay more out of pocket in case of a claim.
What are the types of health insurance for elderly visitors to USA?
Comprehensive vs fixed benefit visitor health insurance for senior citizens.
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
|---|---|---|
| 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 |
| 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 |
| Payment method | Usually requires upfront payment and then reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| Recommended for | Travelers with fewer health concerns | Seniors looking for extensive medical coverage |
What is the cost of travel insurance for seniors visiting the USA?
The cost of travel insurance for seniors starts at around $30 per month, based on a 50-year-old traveler choosing a plan with $25,000 coverage and $0 deductible. Actual costs may vary depending on the traveler’s age, insurance provider, type of plan (comprehensive vs fixed benefit insurance), coverage limits, and whether the plan includes coverage for pre-existing conditions.
How much does cheapest travel insurance for senior citizens cost?
Affordable travel insurance for seniors visiting USA starts at $30 per month for fixed benefit plans. The cost is based on quotes for one month with $0 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $30 - $85 | $39 - $102 | $60 - $166 | $165 - $593 | Not available |
| Venbrook Essential | $25,000 - $150,000 | $37 - $108 | $49 - $124 | $68 - $147 ? | $315 ? | $315 ? |
| Safe Travels Elite | $25,000 - $175,000 | $37 - $114 | $50 - $134 | $109 - $155 | $283 - $553 | $315 ? |
| Vistors Care | $25,000 - $100,000 | $39 - $85 | $51 - $92 | $69 - $153 | $151 ? | $151 ? |
| VisitorSecure | $50,000 - $130,000 | $61 - $108 | $72 - $94 | $96 - $139 ? | $221 ? | $221 ? |
How much does comprehensive visitor insurance for seniors cost?
The best visitor health insurance for seniors visiting USA starts at $127 per month for comprehensive insurance plans. The cost is based on quotes for one month with $250 deductible.
| Plan Name | Policy maximum | Age 50 | Age 60 | Age 70 | Age 80 | Age 90 |
|---|---|---|---|---|---|---|
| Visitors Preferred | $50,000 - $1,000,000 | $127 - $239 | $148 - $301 | $253 ? | $746 ? | $746 ? |
| Venbrook Premier | $25,000 - $150,000 | $129 - $237 | $176 - $346 | $352 - $437 ? | $775 ? | $775 ? |
| Patriot America Plus | $50,000 - $1,000,000 | $128 - $243 | $164 - $311 | $289 - $434 ? | $790 ? | $790 ? |
| Atlas America | $50,000 - $2,000,000 | $131 - $261 | $177 - $378 | $355 - $444 ? | $528 ? | $528 ? |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $148 - $278 | $172 - $351 | $294 - $470 ? | $1015 ? | Not Available |
| Diplomat America | $50,000 - $1,000,000 | $182 - $313 | $229 - $301 | $353 ? | $746 ? | $746 ? |
| SafeVista Comprehensive | $50,000 - $1,000,000 | $158 - $225 | $215 - $248 ? | $320 ? | $789 ? | $789 ? |
| Travel Medical Choice | $50,000 - $1,000,000 | $192 - $344 | $275 - $514 | $493 - $668 ? | $814 ? | $814 ? |
How much does 6 month insurance for elderly travelers to USA cost?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, depending on the coverage amount, deductible, and whether the plan includes acute onset of pre-existing condition coverage. On American Visitor Insurance, seniors can easily compare and buy the best 6 month USA travel insurance that is affordable, reliable and allows the older travelers stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Travel insurance for over 50 years
Review travel medical insurance for seniors over 50 years
Best Senior travel insurance for over 60
Health insurance for senior travelers over 60
No matter what your age, we have some Seniors travel medical insurance options for you! However, for certain ages, the best trip insurance options for non US senior citizens are limited, hence this article.
For older travelers in their 60s, there are many seniors travel insurance options available up to $1,000,000 medical coverage. For visitor Insurance for parents over 60 there is also good coverage for acute onset of pre-existing conditions.
Best travel insurance for over 60s visiting USA
Visitors Care IMG
- Cheap visitor health insurance for parents visiting USA.
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation,: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare
or United HealthCare 
- Visitors Care insurance cost for 60 year old traveler ranges from $38 to $89 for a month.
Policy maximum?
$25,000, $50,000, $100,000Deductible options?
$0, $50, $100Period of coverage?
5 days to 2 years
Venbrook Essential Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Essential insurance cost for 60 year old traveler starts from $47 to $120 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 12 months
Venbrook Premier Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Premier insurance cost for 60 year old traveler starts from $85 to $330 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $250,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500 and $5,000Period of coverage?
5 days to 12 months
Visitors Preferred IMG
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare or United HealthCare
- Emergency medical evacuation: Covers up to $1000,000.
- Visitors Preferred insurance cost for 60 year old traveler ranges from $100 to $363 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
5 days to 12 months
Diplomat America Global Underwriters
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Freedom to choose hospitals or doctors
- Emergency medical evacuation: Covers up to $250,000.
- Diplomat America insurance cost for 60 year old traveler ranges from $133 to $379 for a month
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
15 days to 12 months
Safe Travels USA Trawick International
- Unexpected recurrence of pre-existing conditions: Covers up $1,000 for ages up to 70 years.
- Cardiac conditions or stroke: Covers up to $25,000 up to age 69 years.
- Direct Billing: First HealthCare
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Safe Travels USA Insurance cost for 60 year old travelers ranges from $80 to $357 for a month
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Best travel insurance for seniors over 70
Health insurance for senior travelers over 70
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, travel insurance for over 70s, especially visitor Insurance for parents over 70 years for pre-existing condition coverage, get much fewer.
However, there are some visitor Insurance for parents over 70 options as seniors citizens travel insurance over 70 available which we have highlighted here.
Visitors insurance for parents over 70 years
Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to the policy maximum (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covered up to unlimited.
- Repatriation of remains: Covers up to $25000 per policy period.
- Safe Travels Advantage cost for 70 years old traveler ranges from $61 to $166 for a month
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 364 days
Safe Travels Elite Diamond Trawick International
- Acute onset of pre-existing conditions: Covers up to $35,000 (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covers up to $50,000.
- Repatriation of remains: Covers up to $7,500 per policy period.
- Safe Travels Elite cost for 70 years old traveler ranges from $100 to $150 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$100, $200Period of coverage?
5 days to 364 days
Atlas America WorldTrips
- Ideal plan for parents with pre-existing conditions coverage up to 79 years.
- Acute on set of pre-existing conditions: Covers up to policy maximum.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $1,000,000.
- Border entry protection: Covers up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
- Atlas America Insurance cost for 70 year old travelers ranges from $201 to $619 for a month.
Policy maximum?
$50,000, $100,000, $150,000Deductible options?
$0, $100, $250, $500Period of coverage?
364 days
Travel Medical Choice Seven Corners
- Acute on set of pre-existing conditions: Covers up to policy maximum, cardiac conditions are included under pre-existing conditions.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Travel Medical Choice Insurance cost for 70 year old travelers ranges from $286 to $808 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Most popular plan with Acute on set of pre-existing conditions coverage up to $35,000 (up to age 79).
- Direct Billing: First healthcare
- Cardiac conditions or stroke: Covers up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 70 year old travelers ranges from $179 to $645 for a month.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Visit USA Standard Travel Insurance Services
- Budget friendly travel insurance with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $250,000.
- Repatriation of remains: Covers up to $50,000.
- Visit USA Standard Insurance cost for 70 year old travelers ranges from $165 for a month.
Policy maximum?
$75,000Deductible options?
$0Period of coverage?
5 days to 364 days
Travel insurance for seniors over 75
Review travel insurance for over 75 years old.
Best travel insurance for seniors over 80
Travel insurance for 80 year olds, Travel medical insurance for seniors over 80
"Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different"
As you grow old the chances of an unexpected medical emergency gets higher and even a minor injury or illness can lead to hospitalization. While traveling in a foreign country, travel health insurance for 80 year olds is extremely important and can protect senior travelers from financial losses in case of an emergency.
Visitor insurance for parents over 80 years old are available as senior citizen travel insurance for above 80 with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years. We also have traveler insurance for 90 year old which are ideal for travelers above 90 years of age.
Travel medical insurance for seniors over 80
Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to $15,000 (up to age 89).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covers up to unlimited.
- Repatriation of remains: Covers up to $25,000 per policy period.
- Safe Travels Advantage cost for 80 years old traveler ranges from $159 to $574 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 364 days
Visit USA Superior Travel Insurance Services
- Affordable travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 80 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000Deductible options?
$0, $250, $500, $1,000Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Acute on set of pre-existing conditions: Coverage up to $20,000 (up to age 89).
- Direct Billing: First HealthCare
- Cardiac conditions or stroke: Covered up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 80 year old travelers ranges from $566 for a month.
Policy maximum?
$20,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
SafeVista Comprehensive INF
- Best plan for seniors with acute on set of pre-existing conditions up to 99 years.
- Acute on set of pre-existing conditions: Covers up to maximum limit
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- SafeVista Comprehensive insurance cost for 90 years old traveler $789 for one month.
Policy maximum?
$100,000Deductible options?
$100, $250, $500, $1,000, $2,500, $5000Period of coverage?
10 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First healthcare or Unitedhealthcare
- Emergency medical evacuatio: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 80 years old traveler $1987 for 3 months.
Policy maximum?
$50,000Deductible options?
$250, $500, $1,000, $2,500 or $5,000Period of coverage?
90 days up to 12 months
INF Elite Plus X INF
- Perfect plan for seniors with Preventive and maintenance care benefit.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite Plus insurance cost for 80 years old traveler $3499 for 3 months.
Policy maximum?
$75,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
Best travel insurance for over 90 years
US travel health insurance for seniors above 90 years
Traveling as one gets older is admirable, but it must be understood that the risk of an unexpected medical emergency increases and even a minor injury or illness can lead to hospitalization.
While traveling in a foreign country, especially in the US or Europe, given the high cost of healthcare, travel insurance for seniors over 90 years is extremely important and can protect senior travelers from huge financial loss in the event of an medical emergency.
Visitors insurance even for 90+ year old senior travelers is available with suitable benefits. Compare these US travel health insurance over 90 years seniors offered by reputed US insurance companies. Travelers can get quotes and buy travel health insurance for seniors over 90 years.
Older traveler medical insurance for 90 year olds
SafeVista Comprehensive INF
- Best plan for seniors with acute on set of pre-existing conditions up to 99 years.
- Acute on set of pre-existing conditions: Covers up to maximum limit
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- SafeVista Comprehensive insurance cost for 90 years old traveler $789 for one month.
Policy maximum?
$100,000Deductible options?
$100, $250, $500, $1,000, $2,500, $5000Period of coverage?
10 days to 364 days
INF Premier X INF
- Affordable plan for seniors with full pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $15,000/$20,000 maximum with $1,000/$5,000 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $20,000 maximum.
- Minimum purchase is 90 days.
- INF Premier X insurance cost for 90 years old traveler $1091 for 3 months.
Policy maximum?
$100,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
INF Elite X INF
- Ideal plans for seniors with pre-existing conditions coverage up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite X insurance cost for 90 years old traveler $2,887 for 3 months.
Policy maximum?
$75,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First HealthCare or Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 90 years old traveler $1987 for 3 months.
Policy maximum?
$50,000Deductible options?
$250, $500, $1,000, $2,500 $5,000Period of coverage?
90 days to 364 days
Visit USA Superior Travel Insurance Services
- Budget friendly travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 90 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000Deductible options?
$0, $50, $1,000, $2,500, $5000Period of coverage?
5 days to 364 days
Which pre-existing conditions are covered by US travel insurance?
How does travel insurance for pre-existing conditions work?
The travel health insurance plans which cover pre-existing conditions have clear definitions of 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, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these.
How do I know if my pre-existing condition is covered by travel insurance?
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
What are the best visitor insurance for seniors with pre-existing conditions?
Travel insurance for seniors with pre-existing conditions USA
Elderly visitors tend to have chronic illness like diabetes, high blood pressure(hypertension), or heart disease. Without US visitor insurance for pre-existing conditions, any related medical emergencies during their stay in the U.S. could result in serious out-of-pocket expenses. Travel insurance to USA with pre existing conditions that offers coverage for older travelers by providing access to required medical care without financial strain.
When buying a visitors insurance for seniors with pre-existing conditions, it’s important to choose a USA travel insurance for senior citizens with acute onset of pre-existing conditions, defined as the sudden and unexpected recurrence of a condition that requires immediate medical attention. Most plans offers coverage for existing medical conditions but vary based on age limits and benefit amount.
For example like Patriot America Plus from IMG offers acute on set of pre-existing conditions up to the age 70 years, VenbrookPremier plan from Venbrook International offers coverage up to $1,000,000, acute onset of pre-existing conditions covered up to 70 years. and Atlas America from WorldTrips offers acute onset of pre-existing conditions up to age 79 years.
For older seniors, Safe Travels USA Comprehensive from Trawick International offers best coverage for acute onset pre-existing conditions up to 89 years, while SafeVista comprehensive offers coverage up to the age of 99. Choosing a plan with maximum coverage limits of $50,000 to $100,000 or more ensures strong financial protection and offers coverage for sudden health complications during your travel to the US.
Which is the cheapest travel insurance for senior citizens?
The affordable travel insurance for seniors visiting USA is Safe Travels Advantage from Trawick International. Other affordable health insurance for elderly visitors are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Safe Travels Advantage
Trawick International
$39 PER MONTHAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$49 PER MONTHAge: 60 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
What is the best international travel insurance for seniors in the USA?
The best travel insurance for seniors in USA is listed here:
- Patriot America plus is a comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is designed for non-U.S. citizens visiting the U.S., and for U.S. and non-U.S. citizens living abroad making short visits to the U.S. Plan is suitable for Green Card holders as long as they reside outside the US.
- Atlas America Insurance is a comprehensive visitor insurance designed for non-US citizens and Non-US residents while visiting. This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
- Safe Travels USA Comprehensive Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
- VenbrookPremier plan offers coverage up to $1,000,000, acute onset of pre-existing conditions covered up to 70 years. Non-cardiac events are covered up to the policy limit for ages up to 70 years. While cardiac-related coverage covers up to policy maximum for ages up to 64 years, up to $25,000 for those aged 65 to 69 years and $15,000 for ages 70 and over
- SafeVista Comprehensive plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 99 years.
- INF Elite X This plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.
How does US travel insurance plans ensure comprehensive medical coverage for seniors?
US travel health insurance plans provide comprehensive medical coverage for seniors by offering wide range of benefits and plan options within their senior travel insurance policies.
- High policy maximums
- Coverage limits: US visitor insurance plans generally offer high policy maximum limits ranging from $50,000 to $100,000, to help senior travelers against high cost of medical care in the USA.
- Comprehensive coverage with no limits: Top US travel medical insurance plans do not have restrictive limits on surgery, or specific tests, allowing the entire chosen policy maximum to be used as needed for eligible medical expenses.
- Acute onset of pre-existing conditions
- Crucial for elderly travelers: Many visitor insurance plans from US companies offer coverage for acute onset of pre-existing conditions. This is an important consideration for seniors who may have preexisting health issues.
- Defined benefits: Although routine care, ongoing treatment for pre-existing conditions is not covered, these plans provide coverage for stable pre-existing condition suddenly and unexpectedly becomes life-threatening, offers coverage limits from $25,000 to $150,000 depending on the plan and age.
- Comprehensive medical benefits
Senior travel insurance for USA plans include benefits such as:- New illness & accident treatment: Travel health insurance for elderly visitors to USA provides coverage for hospitalization, physician visits, outpatient services and prescriptions drugs.
- Emergency medical evacuation: Covers the cost of emergency transportation to the nearest suitable medical facility.
- Repatriation of remains: Pays for the repatriation expenses back to home country in case of death while in abroad.
- Emergency dental treatment: Benefits for acute dental pain or accidental dental injuries.
- COVID-19 coverage: Most travel insurance plans for seniors include coverage for covid-19 related medical treatment.
- Senior focused benefits
- Age eligibility: US visitors insurance plans typically insure travelers up to age 99, depending on the plan.
- No pre-travel medical tests: For easy purchase, the insurance company does not require medical records or detailed health examinations before enrollment, this will simply ease the process for seniors.
- Senior specific plans: Plans like Patriot America Plus, Atlas America, Venbrook Premier and SafeVista Comprehensive offer medical benefits with coverage for acute onset of pre-existing conditions that are designed for senior travelers.
- Support services and cashless benefits
- 24/7 Assistance:US travel insurers offer multilingual helplines for medical referrals, claims support assistance globally, which is crucial for elderly travelers in the USA.
- Cashless billing with network providers: Many US travel medical insurance for seniors work directly with an established US network of hospitals and doctors, allowing cashless treatment in covered situations so that seniors do not have to pay the high medical bills while getting treated.
Which insurance company is best for senior citizens?
The best company for getting travel medical insurance for seniors visiting USA are a few and people can get from any of them depending on their requirements and choices. Here are some popular companies whose senior citizen visitor insurance USA are very popular:
- IMG(International Medical Group): Offers a wide range of travel medical insurance plans for both US and non-US residents, with coverage options offering up to $1,000,000 in medical maximums.
- Worldtrips: Offers comprehensive plans with coverage outside of the home country with worldwide coverage including or excluding the US. Policy maximum options available up to $1,000,000 with these plans.
- Seven Corners: Offers comprehensive travel insurance plans for US and Non US citizens and residents. Policy maximum options available up to $1,000,000 with these plans.
- Trawick International: They offer comprehensive travel insurance plans that provide policy maximum coverage for up to $1,000,000. Most of their plans are for Non US citizens visiting the US.
- INF: INF Plans have been very popular for parents from India, and other older travelers with pre-existing conditions visiting the USA. INF plans travel insurance offers coverage for pre-existing ailments providing the coverage necessary for many seniors visiting their families in the US.
What is the best travel insurance for seniors from India to USA?
Each year, thousands of Indian parents travel to the United States to visit their children and grandchildren. With over 2.7 million Indian immigrants live in the USA, many parents visit on B2 tourist visas, usually staying for 4 to 6 months, and often extending their visits up to the allowed 180 days per entry. Given the high healthcare costs in the U.S. it is important to have travel insurance for elderly parents visiting USA to cover unexpected medical expenses, like hospital stays, doctor visits, and emergency care. Since Indian health insurance does not cover treatment in the US, it is important to have visitor insurance for parents visiting USA.
The best travel insurance from India to USA for senior citizens are Patriot America Plus from IMG, which is best for parents under 70 with acute onset coverage, Safe Travels USA Comprehensive from Trawick International, which offers broader benefits up to 89 years and SafeVista comprehensive insurance from INF offers coverage for acute onset of pre-existing up to 99 years. Some of these plans also cover emergency medical evacuation, making them ideal for visiting seniors.
How to choose travel insurance for USA for senior citizens?
The best travel insurance for older travelers depends on individual needs, it is however recommended to look for visitors insurance that offer:
- Choose visitor medical insurance plans that are designed particularly for seniors (for those above 70 or 80), as the eligibility and benefits differ based on different plan.
- If the senior traveler as chronic conditions such as heart disease, diabetes etc… choose the plan that offers coverage for pre-existing conditions or acute onset of pre-existing conditions.
- Choose comprehensive travel medical insurance plans over fixed benefit plans which provides extensive coverage such as hospitalization, surgery and medical evacuation.
- Look for at least $100,000 in medical coverage, especially for travelers aged 65 to 79. Over 80 may have reduced limits, but choose the highest available.
- Plans with lower deductibles means higher premiums but you to pay less out of pocket in case of a claim.
- International travel medical insurance for seniors with PPO networks guarantees access to quality medical care and helps reduce healthcare costs in the U.S.
- Be aware of exclusions, age cut-offs, claim procedures, and cancellation policies.
Best cashless travel Insurance for seniors visiting the USA
When senior travelers visiting the United States, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance for seniors will help you settle these issues without worrying about paying huge bills upfront.
With a cashless US visitor insurance plan, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances. Find the most reliable, affordable, and widely accepted cashless travel insurance for elderly parents visiting USA on American Visitor Insurance.
How can seniors prepare for travel during flu season?
Older travelers visiting during the flu season which starts at the beginning of the fall and continues throughout the winter should take special care of their health. Doctors and health care providers encourage senior citizens to get the Flu vaccine during this period as they are more likely to fall sick. The flu given that it is highly contagious, the flu vaccine is encouraged as a preventative measure.
The flu vaccine which is also known as influenza vaccine protects older travelers against the influenza virus. These vaccines are developed twice a year as the virus changes rapidly. These vaccines have antibodies to fight the virus which will usually show up within 2 weeks after receiving it.
This vaccine is effective sometimes and sometimes it may not be effective for some strains of viruses. It is not mandatory but it is definitely recommended as a preventive measure. Flu can be dangerous especially for people with heart problems, diabetes, lung diseases...as for the older people where things can get complicated or result in death from the Flu. There are some cases during some years, where older travelers who are healthy without any existing health conditions, after contracting the flu virus have also died.
Older travelers and parents of US residents who travel to the US can buy international medical insurance for seniors which provides them sufficient coverage for unexpected sickness and injury. Senior citizen travel health insurance does not cover the Flu vaccine as it is considered as preventive care service, but covers the treatment provided in case the insured contracts the virus.
Before traveling to the US, seniors should consult their doctor to confirm they are fit for the journey and discuss getting the flu vaccine. It’s also helpful to carry a list of current medications, allergies, and emergency contacts. Travelers should research nearby urgent care facilities or hospitals at their US destination. Having a printed copy of the travel insurance policy, as well as the insurance company's contact information, can be essential in case of an emergency. Some plans which offer comprehensive travel insurance for seniors include access to telemedicine, which can be especially helpful for minor flu symptoms or consultations while abroad.
Healthcare cost in the US for senior citizen visitors is quite expensive to pay for medical expenses for unexpected sickness out of pocket. US Travel Medical Insurance can certainly provide a great sense of relief for the visitor visiting the US from a foreign country. It is highly recommended that the travel insurance for senior citizens be purchased before the insured departs from their home country, so that they are covered for the unexpected from day one while they are in the US.
American Visitor Insurance offers several high rated travel medical insurance plans suitable for senior citizens traveling to the US. Comprehensive US visitor insurance plans are the best as they offer flexible coverage.
Senior visiting the US for an extended stay?
Find the best long-term travel medical insurance for seniors that offers comprehensive medical coverage during extended stays in the USA.
Click here to read more »What are key terms in US travel medical insurance for seniors?
Deductible is an amount to be paid by the insured for the medical treatment before the actual insurance starts to pay the healthcare services. This is in addition to the co-pay or coinsurance. The insured will need to pay medical fees up to the deductible amount. Therefore the lower the deductible in an insurance plan, the higher is the premium or cost of the insurance plan. The concept of deductible is used by insurance providers to prevent frivolous use of insurance since the customer is liable for the initial payment and will hence use the insurance plan judiciously.
Co-pay or Copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed. The Co-pay and deductible will vary depending on the elderly insurance plan chosen and travelers do have the option of No Co-pay and $0 deductible, however this will be more expensive with higher deductible.
Coinsurance is percentage of the total cost of the medical fee to be paid by the insured instead of paying a fixed amount. If the coinsurance is 10% on the trip insurance then the insured will have to pay 10% of the total cost of the bill. The Co-insurance is in addition to the deductible. The Co-insurance is typically capped 10% or 20% up to a certain amount (say $5000) of the medical bill and the insurance pays fully after that amount.
Riders are additional benefits that can be included to a standard travel insurance while buying the insurance. These benefits are otherwise not available in the standard insurance policy. For example parents traveling to the US can add acute onset of pre-existing coverage as an rider in some seniors insurance plans.
In-Network and Out of Network - Generally most of the hospitals in US are linked with the Preferred Provider Organization (PPO) networks. PPO network refers to the network of doctors and hospitals who have pre-defined working relationship with the insurance providers. Within a PPO network, when a senior citizen is at the hospital for a visit or treatment the hospital or the doctor charges the insurance provider directly. This is significantly cheaper and convenient for older travelers. The insurance provider will provide the insured with the list of hospitals and doctors in their destination country/state so that it will be easier for the older citizen to locate a suitable hospital for the treatment.
Out of network here the insured can go to any doctor in the US and will have to pay for the treatment themselves and then file for reimbursement. This can be confusing and time consuming for senior travelers. At times, it is possible that out of network doctors and hospitals may not be covered.
Senior citizen travelers can review the glossary for travel insurance to USA to understand other terms and also review our travel insurance guide for easy understanding to buy US senior visitor medical insurance.
Travel health insurance for elderly immigrants in the USA
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
Health insurance for elderly visitors to USA - FAQ's
1. Why is travel insurance for USA for senior citizens so expensive?
There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.
One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
2. Is travel insurance necessary for seniors visiting the USA?
Seniors over 60 are usually at a higher risk of falling ill or getting injured when traveling, so it is important they have good travel insurance — especially if they are traveling to the US, where healthcare costs are so high. Without insurance, a doctor’s visit could cost hundreds of dollars, while a trip to the emergency room could cost thousands of dollars.
It is important to understand the nuances of seniors travel insurance. Medical issues or situations at (or en route to) your destination may not be covered by your policy. When shopping for international travel insurance, it is easy to compare visitor travel insurance from multiple US providers to find the best coverage and at the best price at American Visitor Insurance. Here prices and benefits of the different senior citizens travel insurance plans offered by the top US travel insurance providers are displayed in an user friendly comparison tool./p>
3. What is the maximum age when travelers can buy this US visitor health insurance for seniors?
A person of any age can purchase a travelers insurance policy. The issue is how much insurance will you be able to purchase. We offer several insurance policies that offer $50,000 coverage for persons between 70 and 89 years of age. The only type of plan which does not limit the maximum of the plan for older travelers are the trip cancellation plans.
Travel Insurance for Senior travelers have standardized coverage, but are mostly available for US citizens or residents. If you are not a US citizen or resident, you can purchase the Round Trip International policy only. These can be a good option for older travelers and you can insure a minimum amount on the policy (usually at least $500) if that is not really a concern for you.
However, trip plans are only good for up to 30 days. After 30 days, most add a daily rate that makes the plans much too expensive or are not available, so bear that in mind as you navigate your options on travel insurance.
4. Does travel insurance cover pre-existing ailments?
Technically, travel insurance does not cover pre-existing medical conditions. If a person is taking medication regularly for a condition or requires regular treatment (such as dialysis) these will not be covered by short term visitor travel insurance. However, what you can cover for travelers is for the acute onset of a pre-existing condition.
That is, should you have an unexpected emergency due to a pre-existing condition, then it can be covered. The condition must be well regulated and in control before you travel and, of course, you must not be traveling against the advice of your physician. Some client will ask me what is meant by "acute". This indicates the situation must be life-threatening or life-style threatening (lose an eye or limb) and cannot wait until the person returns home to take care of it. Are all pre-existing conditions covered? No.
Many are not. Some policies specifically exclude cancer coverage, HIV and other STD coverage, and congenital disorders. You can check the policies fine print to be sure that your ailment is not excluded outright on the policy before making your selection and purchase. As ever, we are happy to assist you with your specific conditions and questions.
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5. Can I buy senior citizen travel insurance after starting the journey?
Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the travel insurance for seniors visiting USA before departing. The claim will be invalid if the traveler attempts to buy the travel insurance and file a claim for an ailment after it occurred during the travel.
6. Can you get travel insurance if you are over 70?
Travel insurance to USA policies usually increase at age 70 due to higher health risks. The price difference between ages 69 and 70 can be significant. If you are traveling at age 69 and will turn 70 during your trip, you'll still pay the 69 year old rate for the entire trip, which can be a good deal. However, some plans with pre-existing condition insurance, may end once you turn 70. At American Visitor Insurance, we offer tailored best travel insurance for seniors over 70 and are constantly update our offerings to better serve the needs of traveling seniors.
7. What is the cutoff age for travel insurance for senior citizens? What is the age limit of travel insurance for seniors USA?
It depends on the company and the type of health insurance for elderly visitors to USA you are looking for. Many insurance for elderly parents visiting USA policies do not have a cut off age, but some do.
Also, the main difference for older travelers is that the maximum of the policy available goes down with higher age. You may also find USA travel insurance for seniors in the $50,000 maximum or less, but you may still find something suitable for your situation.
8. At what age does travel insurance become expensive?
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.
9. What is the age criteria for travel insurance for senior citizens?
The age criteria to buy travel insurance depends on the company and the type of travel health insurance the elderly travelers are looking for. Many US travel health insurance plans for senior citizens do not have a cut off age, but some do or they reduce the coverage available for older travelers, ie the plan maximum for older travelers will be low as the age of traveler increases.
Senior citizens may also find travel insurance with plan maximum of $50,000 or less, however they may still find something appropriate for their situation.
10. Can an 80 year old get travel insurance? Can I get travel insurance for an 80 year old?
Yes, seniors above 80 years can buy seniors travel insurance on American Visitor Insurance. The cost will depend on various factors, such as the age of the traveler, the trip length, the travel destination, the medical maximum coverage, the deductible and any specific coverage requirements.
11. Can an 90 year old get travel insurance?
Over 90's seniors travel insurance is available on American Visitor Insurance, however the medical maximum coverage will be limited. The cost of the seniors travel insurance will depend the age of the traveler, the length of travel, the travel destination (USA being the most expensive), the medical maximum coverage available, the deductible chosen and any specific coverage requirements.
12. Can an 75 year old get travel insurance?
Yes, a 75-year-old can get travel insurance on American Visitor Insurance. Travelers can compare the best seniors travel insurance plans based on cost and coverage details on American Visitor Insurance. The cost of seniors travel insurance will depend on factors such as the age of the traveler, the trip length, the travel destination, and the coverage requirements.
Some visitors insurance providers have age limits or restrictions on maximum medical coverage so it is important to compare policies on American Visitor Insurance to find one that best meets the traveler's needs and budget.
Yes, there are age related limitations for travel insurance for seniors, however at American Visitor Insurance we do have travel insurance for the very elderly but with limited coverage. The age related limitations vary depending on the insurance company. Travelers can compare senior citizen travel insurance offered by the top US insurance providers on American Visitor Insurance and buy the plan that best suits their needs.
Many travel health insurance on American Visitor Insurance allow for seniors visiting USA to extend the policy if the visit is longer than initially intended as long as there is no gap in coverage and the extension is made prior to the policy end date. However, not all visitor health insurance plans allow extensions, and some may have restrictions based on age or total duration of coverage. It's important to choose a plan that is renewable and to check the maximum coverage period (often up to 364 days). It’s important the renewability options while buying the insurance plan. American Visitor Insurance makes it easy to compare travel insurance for seniors visiting USA and request an extension online.
Travel health insurance for seniors visiting USA offers a wide range of deductible options, usually from $0 to $5,000. The deductible is the amount the insured must pay out of pocket before the insurance starts covering expenses.
- The lower deductible like $0, $100, or $250 insurance will start paying sooner, but the premium will be higher.
- A higher deductible like $1,000 or $2,500 lowers the premium but the senior will pay more out of pocket before benefits begin.
Choosing the right deductible options depends upon the travelers budget and health conditions. Elderly travelers can compare how different deductible options affect the total cost and coverage at American Visitor Insurance.
The duration of the stay significantly affect the cost of senior travel insurance to the USA. The longer a senior stays in the USA, the higher the cost of their travel insurance. Travel insurance premiums are typically calculated per day or per month, so a 6-month stay will cost more than a one month visit. For example, a 60-year-old visitor staying for a short period around 30 days can expect to pay between $78 to $275 for travel medical insurance. In contrast, while a 6-month stay could cost around $465 to $1,900 depending on the coverage and deductible chosen.
Best visitor insurance for parents visiting USA often vary based on age groups, especially for those above 70, 80, or 90 years. Insurance providers design specific plans to meet the needs and risks associated with each age bracket:
- For ages 70 to 79: Many travel medical insurance plans offer comprehensive coverage, including benefits for acute onset of pre-existing conditions. Patriot America plus and VenbrookPremier offers coverage up to the age 70 and Atlas America offers coverage up to age 79.
- For ages 80 to 89: Fewer plans are available, and coverage limits may be lower. Plans like Safe Travels USA Comprehensive, Visit USA Superior and INF Elite Plus X still offer best benefits for this age group.
- For age 90 and above: Very limited options are available. Plans like SafeVista Comprehensive, INF Premier X and Visitors Protect offers coverage for seniors up to 99 years old, including some acute onset of pre-existing medical condition benefits.
Traveling to the USA as a senior? Stay protected against any border entry issues!
Border entry issues at the US border can be unpredictable especially for senior travelers. Our Border entry protection visitor insurance covers unexpected delays, denial of entry, and related travel disruptions. Protect your US travel investment with specialized border entry insurance designed for elderly travelers available on American Visitor Insurance.
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Travel Insurance for US seniors and Pensioners
Which is the best travel medical insurance for seniors over 65?
It is heartening to see many US citizens older than 65 years traveling overseas. While traveling outside the US is adventurous and exciting, US citizens should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States.
It is for this group of older American international travelers that the GlobeHopper Senior insurance plan has been designed.
International Medical Group (IMG) offers GlobeHopper as an affordable travel medical insurance for US citizens and US permanent residents older than 65 years.
- The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days
- GlobeHopper multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip.
- The GlobeHopper Senior plan is popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers who are more than 80 years old. The plan also has $2,500 cover for sudden unexpected recurrence of a pre-existing condition along with providing $25,000 for emergency medical evacuation.
Why is trip cancellation insurance important for for US seniors?
Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.
US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans. US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage.
What does the cancel for any reason benefit cover in US seniors travel insurance?
While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.
Why is international travel insurance important for US seniors with Medicare?
Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.
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Click here to read more »Compare and buy visitors travel insurance plans offered for senior citizen travelers visiting USA.
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Find the best pre-existing conditions coverage options possible for your travels or for your visitors!
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What is not covered in senior citizen travel insurance?
While the specific coverage details may vary depending on the insurance provider and policy chosen, there are common exclusions in senior citizen travel insurance. Here are some examples of what may not be covered or is covered with limitations:
- Pre-Existing Medical Conditions: Many US travel insurance policies exclude coverage for pre-existing medical conditions unless specified otherwise. However, there are some insurance companies that offer limited coverage for Acute onset of pre-existing conditions and even full treatment of pre-existing conditions.
- Routine Medical Care: Travel insurance is designed to cover unforeseen emergencies and unexpected medical conditions. It does not cover routine medical check-ups, vaccinations, or treatments that were planned before the trip.
- High-Risk Activities: Insurance policies may exclude coverage for injuries or accidents that occur during high-risk activities such as extreme sports, skydiving, bungee jumping, or other hazardous activities. If you plan to engage in such activities, consider obtaining specialized coverage.
- Mental Health Conditions: Mental health conditions, including psychiatric disorders or psychological treatments, are not covered by standard US travel insurance policies. It is important to review the policy details to understand the extent of coverage for mental health-related issues.
- War or Terrorism: Some travel insurance policies may exclude coverage for injuries or losses resulting from war, civil unrest, acts of terrorism, or similar situations. It's essential to review the policy's exclusions related to these circumstances.
- Pre-Existing Trip Cancellations: If you have planned a trip but need to cancel or interrupt it due to a reason that was already known before purchasing the insurance, it may not be covered. Review the policy terms for specific details on trip cancellation coverage.
- Losses Due to Negligence: Insurance policies typically do not cover losses resulting from the insured person's negligence, such as leaving belongings unattended or failure to take reasonable precautions.
