Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Covers medical costs for sickness or accidents during travel.
Covers cost of clinic or doctor visit.
Expenses from doctor prescribed eligible medications.
Transportation to or between hospitals as needed.
Return of moral remains to home country or local burial.
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:
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.
US travel insurance cost in 2025 for visitors with pre-existing conditions has increasingly reduced the disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is significantly higher in the U.S. where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance while visiting the US.
The cheapest pre-existing conditions travel insurance cost starts from $39 to $229 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of pre-existing conditions travel insurance in USA based on quotes for one month for 60 year old traveler.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| Safe Travels Advantage | $25,000 | $0 | Up to 89 yearsopen_in_new | $39 |
| Visitors care | $25,000 | $100 | Up to 70 yearsopen_in_new | $40 |
| Safe Travels Elite | $25,000 | $0 | Up to 89 yearsopen_in_new | $50 |
| Visit USA Budget | $50,000 | $250 | Up to 65 years and aboveopen_in_new | $49 |
| Safe Travels USA Cost Saver | $50,000 | $250 | Up to 69 yearsopen_in_new | $139 |
| Visitors Preferred | $50,000 | $250 | Up to 70 yearsopen_in_new | $148 |
| Atlas America | $50,000 | $250 | Up to 79 yearsopen_in_new | $151 |
| Patriot America Plus | $50,000 | $250 | Up to 70 yearsopen_in_new | $164 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $168 |
| Safe Travels USA Comprehensive | $50,000 | $250 | Up to 89 yearsopen_in_new | $172 |
| Venbrook Premier | $50,000 | $250 | Up to 70 yearsopen_in_new | $176 |
| Diplomat America | $50,000 | $250 | Up to 70 yearsopen_in_new | $229 |
Source: American Visitor Insurance®
The Pre-existing conditions travel insurance cost for coverage outside USA starts from $55 to $233 per month, The cost depends on the age of the visitor, duration, medical maximum coverage and deductible.
The average cost of pre-existing conditions travel insurance outside USA based on quotes for one month for 60 year old traveler.
| Plan Name | Medical Maximum | Deductible | Acute onset coverage | Cost |
|---|---|---|---|---|
| VisitorSecure | $50,000 | $100 | Up to 70 yearsopen_in_new | $55 |
| Atlas International | $50,000 | $250 | Up to 79 yearsopen_in_new | $117 |
| Patriot International Lite | $50,000 | $250 | Up to 70 yearsopen_in_new | $121 |
| Travel Medical Basic | $50,000 | $250 | Up to 79 yearsopen_in_new | $121 |
| Intermedical | $50,000 | $250 | Up to 80 yearsopen_in_new | $121 |
| Atlas Premium International | $50,000 | $250 | Up to 79 yearsopen_in_new | $164 |
| Safe Travels International | $50,000 | $250 | Up to 69 yearsopen_in_new | $233 |
Source: American Visitor Insurance®
Review US visitor insurance plan benefits.
Traveling for seniors with pre-existing conditions requires careful planning to ensure a safe and enjoyable trip. Here are some tips to consider:
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.
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.
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 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.
Consider planning rest days during your itinerary to avoid overexertion. Allow for flexibility in your schedule to rest when needed.
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.
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.
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.
Senior travelers on Medicare have limited health insurance coverage while outside the US. Travel health insurance is very important in this situation.
Click here to read more »Senior travelers taking multiple trips find the annual travel insurance plans very useful and price effective.
Click here to read more »Long term health insurance offers comprehensive major medical coverage for senior expats living and working outside their home country.
Click here to read more »Senior Citizen travel insurance
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Pre-existing visitors insurance
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