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Senior citizens Pre-existing conditions travel insurance

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Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

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Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

Seniors travel insurance for Pre-existing conditions

Travel insurance for seniors with pre-existing conditions can be more challenging to obtain, but it's certainly possible. Following are some factors to consider when looking for best travel insurance for seniors with pre existing medical conditions:

  1. Disclose Pre-Existing Conditions When applying for travel insurance, make sure to fully disclose any pre-existing medical conditions. Failure to do so could result in a claim being denied. Look for insurance providers that specialize in best travel insurance coverage for seniors or that offer policies specifically designed for older travelers with pre-existing conditions.
  2. Medical Evaluation Some insurers may require a medical evaluation before providing coverage for pre-existing conditions. Be prepared to provide medical records or undergo a medical assessment as part of the application process.
  3. Coverage Limits and Exclusions Carefully review the terms of the policy, paying attention to coverage limits, exclusions, and any waiting periods that may apply to pre-existing conditions. Policies may vary in terms of what conditions are covered and to what extent.
  4. Higher Premiums Be prepared for the possibility of higher premiums due to the increased risk associated with pre-existing conditions. However, having coverage for potential medical expenses is crucial.
  5. Cancellation and Interruption Coverage Ensure that the policy includes coverage for trip cancellations and interruptions related to pre-existing conditions. This can be particularly important for seniors who may face health-related uncertainties.
  6. Emergency Medical Evacuation Confirm that the policy includes coverage for emergency medical evacuation, which can be essential if specialized medical treatment is required or if repatriation is necessary.
  7. Compare Quotes Obtain quotes from multiple insurance providers on American Visitor Insurance to compare senior with pre-existing conditions travel insurance coverage, limits, exclusions, and costs. Different insurers may have varying policies regarding pre-existing conditions.

Research customer reviews and ratings of insurance providers to ensure they have a good reputation for customer service and claims processing, especially when it comes to handling pre-existing conditions.
Remember that the availability and terms of travel insurance for seniors with pre existing conditions can vary among insurance providers. It's crucial to be transparent about your medical history and carefully read the policy documents to understand the extent of coverage and any limitations that may apply.

This page was created to focus on US travelers.. In the cost table we show only travel medical insurance for USA. We should be showing trip plans and travel medical insurance plans for US citizens.

International travel insurance tips for senior citizens

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Cost of best US travel insurance for pre-existing conditions

There is no single cost for all visitors insurance as the cost varies based on several such as the age of the visitor, medical maximum coverage, deductible for the plan, type of travel insurance covering pre existing conditions (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For an average traveler, there are cheapest holiday insurance with pre existing conditions at less than a dollar a day. In general the cost of overseas travel insurance with pre existing medical condition coverage starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

  • INF Elite Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
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    INF Elite Plus Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • Covers Preventive & maintenance care and coverage for full body physicals. Coverage for TDAP, Flu, etc Vaccines
    • Anyone visiting USA or Canada can enroll in this plan.
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Pre-Existing complications from Covid-19 covered.
    Estimate Plan Cost
    Price range $768 - $860
    Coverage range $150,000 - $300,000
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    INF Elite 90 Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens.
    • Anyone visiting USA or Canada can enroll in this plan.
    • Covers 90% of eligible medical expenses
    • Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    Estimate Plan Cost
    Price range $752 - $841
    Coverage range $150,000 - $300,000
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    INF Premier Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range $278 - $448
    Coverage range $150,000 - $300,000
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    INF Premier Plus Insurance Full Pre-existing condition coverage

    • There is a minimum purchase of 90 days required to buy this plan.
    • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan
    • Covers preventive & maintenance care
    • Coverage for TDAP, Flu, etc Vaccines
    • Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
    • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.
    Estimate Plan Cost
    Price range 1038
    Coverage range $300,000
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  • Patriot America Plus Insurance Acute onset of Pre-existing condition coverage

    • Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
    • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
    • Available for US citizens visiting USA
    Estimate Plan Cost
    Price range $90 - $170
    Coverage range $50,000 - $1,000,000
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    Visitors Protect Insurance Full Pre-existing condition coverage

    • It is an affordable plan for visitors visiting the US.
    • This plan covers pre existing condition for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
    • Visitors Protect Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $485 - $728
    Coverage range $50,000 - $250,000
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  • Travel Medical Choice Insurance Acute onset of Pre-existing condition coverage

    • Travel Medical Choice Covid insurance offers coverage for coronavirus.
    • Including USA:
      • For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
      • For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.
    Estimate Plan Cost
    Price range $160 - $290
    Coverage range $50,000 - $1,000,000
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    Travel Medical Basic Insurance Acute onset of Pre-existing condition coverage

    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
    • Including USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79.
    • Excluding USA: Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5,000 for age of 65-79.
    Estimate Plan Cost
    Price range $110 - $180
    Coverage range $50,000 - $1,000,000
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  • Atlas America Insurance Acute onset of Pre-existing condition coverage

    • Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
    • Atlas America Covid insurance offers coverage for coronavirus illness.
    Estimate Plan Cost
    Price range $110 - $230
    Coverage range $50,000 - $2,000,000
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    Visitor Secure Insurance Acute onset of Pre-existing condition coverage

    • It offers coverage for acute onset of pre-existing conditions up to 70 years.
    • Plan can be renewed up to 364 days.
    Estimate Plan Cost
    Price range $40 - $80
    Coverage range $50,000 - $130,000
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  • Safe Travel USA Comprehensive Insurance Acute onset of Pre-existing condition coverage

    • Covers Acute onset of Pre-existing condition coverage: Covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
    • Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Insurance Unexpected recurrence of a Pre-existing coverage

    • Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
    • Safe travel USA Covid insurance offers coverage for coronavirus.
    • It offers coverage for visitors up to 89 years.
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    Estimate Plan Cost
    Price range $90 - $160
    Coverage range $50,000 - $1,000,000
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    Safe Travel USA Cost Saver Insurance Unexpected recurrence of a Pre-existing coverage

    • Covers unexpected recurrence of a pre-existing medical conditions up to $1000
    • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
    • Eligible for foreign residents visiting USA and worldwide
    • It offers coverage for visitors up to 89 years.
    Estimate Plan Cost
    Price range $70 - $120
    Coverage range $50,000 - $1,000,000
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    Safe Travels Elite Insurance Acute onset of Pre-existing condition coverage

    • Foreign residents visiting USA and worldwide.
    • Plan can be renewed up to 2 years.
    • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
    • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
    Estimate Plan Cost
    Price range $40 - $60
    Coverage range $50,000 - $175,000
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  • Diplomat America Insurance Pre-existing condition exclusion

    • This plan is for Non Us citizens and Non US residents visiting the US.
    • Covers pre-Existing condition exclusion: 24 Months prior to the start date of coverage
    Estimate Plan Cost
    Price range $130 - $220
    Coverage range $50,000 - $1,000,000
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  • Visit USA Insurance Acute onset of Pre-existing condition coverage

    • Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
    • Visit USA offers 3 plans to satify your requirements and budget.
    • Covers Acute onset pre-Existing condition up to Ages 65 and above: $2,500 ; All others: $20,000(excludes chronic and congenital conditions)
    Estimate Plan Cost
    Price range $50 - $190
    Coverage range $50,000 - $250,000
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Best Pre-existing conditions travel insurance for Senior citizens

Traveling for seniors with pre-existing conditions requires careful planning to ensure a safe and enjoyable trip. Here are some tips to consider:

Consult with Healthcare Providers

Before traveling, consult with your healthcare providers to discuss your travel plans. Ensure that your medical conditions are stable and that you have the necessary medications and supplies for the duration of your trip.

Documentation

Carry a list of your current medications, dosages, and any relevant medical information. Include emergency contacts, healthcare providers' contact details, and a summary of your medical history.

Travel Insurance

Purchase comprehensive senior travel insurance that covers pre-existing conditions. Review the policy terms to understand the coverage limits and any exclusions related to your pre-existing conditions.

Pack Essentials

Pack any medical supplies, such as a blood pressure monitor or glucose monitoring devices, that you may need during your trip. Also, bring a small first aid kit with basic medical supplies.

Plan Rest Days

Consider planning rest days during your itinerary to avoid overexertion. Allow for flexibility in your schedule to rest when needed.

Stay Hydrated and Manage Stress

Stay hydrated, manage stress, and get sufficient rest during your trip. These factors can positively impact your overall health and help manage pre-existing conditions.

Research Healthcare Facilities

Familiarize yourself with the location of healthcare facilities at your destination. Know where the nearest hospitals or clinics are, and be aware of the local emergency services number.

Temperature Considerations

Consider the climate of your destination and how it may impact your health. Extreme temperatures can affect certain medical conditions, so plan accordingly and take necessary precautions.

Remember that everyone's health condition is unique, so it's essential to tailor your travel plans to your specific needs and capabilities. Always prioritize your health and well-being while traveling, and be prepared for unforeseen circumstances by having a well-thought-out plan in place.

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