We try to answer this question regarding best travel insurance for seniors visiting usa based on the age of the travelers and the requirement of coverage for acute onset of pre-existing conditions for the senior traveler.
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.
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.
Yes, you can buy the travel medical insurance plans for older travelers after starting the journey. However it is always recommended to purchase the ttravel 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.
All travel health insurance policies are priced by age and the number of days needed, so your age does determine your cost. The price difference between 69 and 70 IS a big jump. If you are traveling at age 69 and will turn 70 during your trip you get to pay the whole time like a 69 yr old (a real bargain). However, some coverages which end at age 70 (like some pre-existing medical condition coverage) will end on your birthday. At American Visitor Insurance, we offer many policies for people 70+ and are adding policies all the time to improve our offering to our traveling seniors!
It depends on the company and the type of policy you are looking for. Many 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 only find options in the $50,000 maximum or less, but you may still find something suitable for your situation.
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