Travel health insurance for senior citizens
Seniors traveling to the US need good senior citizen travel insurance coverage to avoid catastrophic situations in case of a health emergency. Get best travel medical insurance for seniors from several known insurers by completing this form.
International travel insurance for seniors visiting usa above 60 years
No matter what your age, we have some Seniors travel medical insurance options for you! However, for certain ages, the best travel insurance options for non US senior citizens are limited, hence this article. 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.INF Travel insurance gives the best plans with extremely good coverage for older travelers especially for the pre existing conditions. There are fixed benefit and comprehensive plan options available. However, comprehensive plans are recommended due to their benefit coverage flexibility.
- INF Elite plan: This is a comprehensive plan and is the plan with excellent coverage. This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months.
- INF Traveler USA plan: This is another comprehensive plan from INF and unique feature of this plan is that it covers Urinary Tract Infections which is common among older travelers. This plan Provides a policy max option of $75,000 and $150,000 with a deductible of $500.This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.
- INF Advantage plan: Another comprehensive INF plan which provides coverage only for the acute onset of pre existing condition and not anything else related to the pre existing condition. It works well for major medical emergencies like heart attack and stroke. This does not cover blood tests and other routine work associated with pre existing condition unlike the Elite plan. This plan provides a maximum of $150,000 for age range of 0-69 for acute onset of pre existing conditions.
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 Platinum offer pre-existing condition coverage up to $50,000 for non-US citizens under 65 years.
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International travel insurance for senior citizens above 70 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 temporary visitors insurance coverage for senior citizens aged over 75 visiting the USA 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. Seniors travel insurance 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.
Atlas America and Atlas Premium plans from Tokiomarine HCC have upgraded their benefits for acute onset of pre-existing conditions up to age 80. There is also a higher policy maximum option available for people above 70 up to the age of 79.
INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.This plan covers Urinary Tract infection for older travelers above 70 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
INF Advantage plan This plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.
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 benefit and comprehensive plan options available. However, comprehensive plans are recommended due to their benefit coverage flexibility but you can check: Visitors Care, 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.
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INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.This plan covers Urinary Tract infection for older travelers above 70 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
INF Advantage plan This plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.
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 benefit and comprehensive plan options available. However, comprehensive plans are recommended due to their benefit coverage flexibility but you can check: Visitors Care, 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.
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US travel health insurance for seniors above 80 years
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. Compare and buy best travel insurance for seniors over 80.
INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan covers Urinary Tract infection for older travelers above 80 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
INF Advantage plan This plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.
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INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan covers Urinary Tract infection for older travelers above 80 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
INF Advantage plan This plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.
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International travel health insurance for Older US residents, Travel health insurance for 65 years old US citizens
It is heartening to see many Americans 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, or as a 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.
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