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.

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Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.
While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA and INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA and INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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senior above 60 years

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 health insurance for non us citizens over 65 years 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.
The best health insurance for 60 year old travelling to the US is Atlas America. With this plan, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 70. Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America. You can compare Atlas Travel insurance plans .
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 Basic, Inbound USA Choice) cover acute onset of pre-existing conditions for people up to age 79 and Inbound USA Elite up to age 69 years (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.

senior above 70 years
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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senior above 80 years

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 USA Basic insurance and Inbound USA Choice insurance with a higher deductible and up to $100,000 maximum. 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). While Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country. Senior Travelers above 90 years are also eligible to buy the Inbound USA Basic and Inbound USA Choice insurance. “
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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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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senior above 65 years
US Health insurance for green card holders senior citizen parents
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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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