Travel health insurance seniors over 65, Over 65 travel insurance
- Retired seniors while traveling outside the US should be aware of the need for travel health insurance. Healthcare costs abroad is expensive and US citizens often do not realize that medicare offers very limited coverage outside the USA.
- Senior citizens and US pensioners should buy specific travel insurance pensioners plans that offer cashless hospitalization as well as provide cover for evacuation/repatriation and per-existing conditions in the event of a medical emergency abroad.
The top five destinations popular among US citizens are: Mexico (27 million), Canada (12.9 million), the Europe (12.5 million). Within Europe United Kingdom, France, Italy and Spain are the most popular.
However recent trends indicate that while travel to traditional destinations of Canada, Mexico and Europe have remained steady, new destinations such as India, China, South Korea, Dubai, Israel, regions in Central and South America have found favor with US travelers. This article explains in detail how to insure your trip expenses with the right insurance.
Why should I buy travel insurance for US seniors?
Should Seniors buy trip cancellation insurance?
Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses ... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.
US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans. US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage.
Is it worth buying trip insurance with cancel for any reason?
While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.
Do US seniors with Medicare need travel insurance?
Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.
Does Medicare cover international travel?
When you are on a ship and need coverage, Medicare will not pay for health care services when the ship is more than 6 hours away from the US port. The Medicare prescription drugs plan don't offer coverage for the drugs purchased outside the United States. All the 50 US states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are considered part of the U.S and accept US Medicare.
As Medicare offers limited coverage for travel outside the US, It is advisable to buy adequate international health insurance for seniors on medicare to get proper medical coverage while outside the US borders. All of the popular international travel destinations for US citizens like Canada, Mexico, the Caribbean islands, Latin and South American nations, Europe, Australia and Asia are not covered by regular Medicare coverage.
The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.
International Medicare Coverage for US citizen »
Senior citizen travel insurance for US citizens
How much does travel insurance for pensioners over 65 cost per month?
The cost of best holiday insurance for over 65s starts at around $102 per month, based on quotes for one month with a $250 deductible.
| Plan Name | Policy maximum | Age 65 | Age 75 | Age 85 |
|---|---|---|---|---|
| Atlas Essential International | $50,000 - $100,000 | $102 - $112 | $156 - $172 | $287 ? |
| Atlas International | $50,000 - $100,000 | $138 - $152 | $214 - $233 | $387 ? |
| Patriot International Lite | $50,000 - $100,000 | $143 - $156 | $214 ? | $379 ? |
| Intermedical | $50,000 - $100,000 | $145 - $173 | $201 - $239 | $417 ? |
| Geoblue Voyager Essential | $50,000 - $1,000,000 | $161 - $192 | $432 - $516 | $541 - $645 |
| GlobeHopper Senior | $50,000 - $1,000,000 | $182 - $240 | $240 - $323 | $419 - $443 ? |
| Atlas International Premium | $50,000 - $100,000 | $193 - $213 | $296 - $326 | $542 ? |
| Safe Travels Outbound | $50,000 - $500,000 | $201- $215 | $302 - $309 ? | $1,079 ? |
| Diplomat International | $50,000 - $500,000 | $211 - $238 | $315 - $339 ? | $548 ? |
| Travel Medical Choice | $50,000 - $500,000 | $253- $289 | $371 - $469 | $433 ? |
| Patriot International Platinum | $2,000,000 | $289 ? | $432 ? | $766 ? |
Which is the best travel insurance for US seniors on Medicare?
GlobeHopper Senior insurance
GlobeHopper Senior insuranceGlobehopper Senior insurance offered by International Medical Group (IMG) is a travel health insurance is avaiable for US citizens and US permanent residents 65 years and older Qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan, This plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the U.S. only.
The GlobeHopper Senior plan offers two options:
- GlobeHopper Single-Trip plan, providing coverage from 5 days to 365 days
- GlobeHopper Multi-trip plan which covers up to 12 months with a maximum of 30 days per trip.
GlobeHopper senior insurance plan is highly popular due to its extensive coverage, offering up to $1 million for travelers under age of 79 years old and $100,000 those 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
Intermedical Insurance
Intermedical InsuranceIntermedical Insurance from Travel Insure is an affordable international travel health insurance for US citizens. It offers coverage for medical and evacuation expenses for short trips. It is available up to 12 months.
How do I choose the best travel medical insurance for seniors over 65?
The best travel insurance for older travelers over 65 years varies depending on specific needs. On American Visitor insurance we offer variety of best over 65 travel insurance plans with Adequate medical coverage, including emergency medical care and evacuation, which is especially important for older travelers. It is however recommended to look for best over 65 international health insurance coverage:
- Coverage for pre-existing medical conditions, as these are more common in older travelers.
- Coverage for trip cancellations, interruptions, and delays, as older travelers may have to cancel or cut short their trips due to unexpected events.
- 24/7 customer service and assistance, which can be especially important when traveling to unfamiliar destinations.
- Coverage for lost or stolen baggage and personal items.
Visa free travel countries for US citizens
What should seniors know about travel insurance for long-term stays or visas in Europe?
US citizens do not need Schengen Visa for visiting Europe for up to 90 days. However US Seniors citizen travelers above 65 years need good extended stay travel insurance over 65 for a long duration then they need to apply for resident visa or national visa of that European country.
One of the necessary documents that they need while applying for long term Europe residence permit is long stay travel insurance for over 65 with a minimum of 30,000 Euros medical coverage, evacuation and repatriation coverage which must be valid though out the entire duration of stay in Europe.
American Visitor Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. The cost of long trip travel insurance over 65 years travelers plans vary based on the coverage benefits offered. Senior travelers can compare coverage benefits on American Visitor Insurance and buy the plan that best fits their coverage needs
Best annual travel insurance over 65 for seniors
Stay protected all year long with top annual travel insurance plans for seniors.
Travel insurance for non-US citizens over 65
Why is travel insurance important for seniors over 65?
Travel insurance is important for senior over 65 due to increased health risks and greater vulnerability when traveling outside their familiar surroundings. Older travelers are likely to face medical emergencies or require hospitalization while abroad.
Most domestic health insurance plans, including Medicare, do not cover international medical costs. Without proper travel insurance for over 65 year olds, they could face expensive out-of-pocket costs for any medical care they may need. International health insurance for seniors over 65 provides access to a PPO network of quality healthcare providers, helping reduce overall medical costs. Seniors are advised to buy travel insurance with pre-existing medical condition coverage, which is vital for seniors having chronic health issues. At American Visitor Insurance, we offer specially designed travel insurance plans for seniors over 65, helping them to travel with peace of mind.
What are the visitor health insurance for over 65s options for the USA?
The types of over 65s travel insurance plans for seniors are fixed benefit and comprehensive visitors insurance. Compare comprehensive vs fixed benefit visitor health insurance for senior citizens.
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
|---|---|---|
| Cost | Affordable with lower premiums | More expensive due to extensive coverage |
| Coverage | Fixed amount per benefit for coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | While some plans offer pre-ex coverage, others offer coverage only for acute onset of pre-existing conditions |
| Payment method | Usually requires upfront payment and then reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| Recommended for | Travelers with fewer health concerns | Seniors looking for extensive medical coverage |
What is the cost of travel insurance for seniors over 65 in USA?
The cost of over 65 travel medical insurance starts at around $39 per month, based on choosing a plan with $25,000 coverage and $0 deductible. Actual costs may vary depending on the traveler’s age, insurance provider, type of plan (comprehensive vs fixed benefit insurance), coverage limits, and whether the plan includes coverage for pre-existing conditions.
How much does cheapest insurance for over 65s cost?
The cheap travel insurance for over 65 visiting the USA starts at $39 per month for fixed benefit plans. The cost is based on quotes for one month with $0 deductible.
| Plan Name | Policy maximum | Age 65 | Age 75 | Age 85 |
|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $39 - $102 | $60 - $166 | $165 - $593 |
| Venbrook Essential | $25,000 - $150,000 | $49 - $124 | $68 - $147 ? | $315 ? |
| Safe Travels Elite | $25,000 - $175,000 | $50 - $134 | $109 - $155 | $283 - $553 |
| Vistors Care | $25,000 - $100,000 | $51 - $92 | $69 - $153 | $151 ? |
| VisitorSecure | $50,000 - $130,000 | $72 - $94 | $96 - $139 ? | $221 ? |
How much does comprehensive visitor health insurance for age 65 and above cost?
The best visitor health insurance for age 65 and above visiting USA starts at $148 per month for comprehensive insurance plans. The cost is based on quotes for one month with $250 deductible.
| Plan Name | Policy maximum | Age 65 | Age 75 | Age 85 |
|---|---|---|---|---|
| Visitors Preferred | $50,000 - $1,000,000 | $148 - $301 | $253 ? | $746 ? |
| Venbrook Premier | $25,000 - $150,000 | $176 - $346 | $352 - $437 ? | $775 ? |
| Patriot America Plus | $50,000 - $1,000,000 | $164 - $311 | $289 - $434 ? | $790 ? |
| Atlas America | $50,000 - $2,000,000 | $177 - $378 | $355 - $444 ? | $528 ? |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $172 - $351 | $294 - $470 ? | $1015 ? |
| Diplomat America | $50,000 - $1,000,000 | $229 - $301 | $353 ? | $746 ? |
| SafeVista Comprehensive | $50,000 - $1,000,000 | $215 - $248 ? | $320 ? | $789 ? |
| Travel Medical Choice | $50,000 - $1,000,000 | $275 - $514 | $493 - $668 ? | $814 ? |
How much does 6 month travel insurance cost for seniors over 65?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, depending on the coverage amount, deductible, and whether the plan includes acute onset of pre-existing condition coverage. On American Visitor Insurance, seniors can easily compare and buy the best 6 month USA travel insurance that is affordable, reliable and allows the older travelers stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
What are the benefits of over 65 travel medical insurance?
Given the exceptionally high cost of healthcare in the US, it is important for senior travelers to have comprehensive travel medical insurance. Some of the international health insurance for seniors over 65 for USA benefits are:
- Emergency medical treatment: Covers doctor visits, hospitalization, surgery and medical expenses due to illness and injury.
- Travel insurance for emergency medical evacuation: Covers the cost of emergency transportation to the nearest appropriate medical facility.
- Visitor insurance for pre-existing conditions: Some plans offer limited coverage for the acute onset of pre-existing conditions.
- Prescriptions drugs: Pays doctor prescribed eligible pharmacy drugs expenses.
- Repartition of remains: Pays for the repatriation expenses back to home country in the event of the death of the traveler for any reason.
- PPO network: Some America travel insurance plans in USA provide access to PPO networks like United Healthcare and First Healthcare, which in itself reduces the medical bill.
- 24/7 travel assistance: Help with medical referrals, travel help, and emergency coordination to handle unexpected situations with ease.
Which is the cheapest insurance for over 65s?
The cheapest travel insurance for over 65 visiting the USA is Safe Travels Advantage from Trawick International. Other affordable visitor health insurance for age 65 and above are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Safe Travels Advantage
Trawick International
$39 Per monthAge: 65 years | Plan: $25,000 | Deductible: $0
- For ages 14 days to 89 years
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$49 Per monthAge: 65 years | Plan: $25,000 | Deductible: $0
- Available up to 89 years
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- For ages 14 days to 99 years
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
What to look for in travel insurance for non-US citizens over 65?
While choosing international travel insurance for over 65 it is important to consider the factors such as:
- Choose comprehensive travel medical insurance plans over fixed benefit plans which provides extensive coverage such as hospitalization, surgery and medical evacuation
- If the senior traveler as chronic conditions such as heart disease, diabetes etc… choose the plan that offers coverage for pre-existing conditions or acute onset of pre-existing conditions.
- Choose travel insurance for emergency medical evacuation and repatriation covers the cost of emergency transportation to the nearest appropriate medical facility or back to your home country if necessary.
- Look for at least $100,000 in medical coverage, especially for travelers aged 65 to 79. Over 80 may have reduced limits, but choose the highest available.
- Plans with lower deductibles means higher premiums but you to pay less out of pocket in case of a claim.
- Prefer travel medical insurance plans with access to PPO networks in the US, which guarantees access to quality medical care and helps reduce healthcare costs in the U.S.
Which is the best travel insurance for over 65 year olds?
The best visitor insurance plans for parents over 65 visiting the USA is listed here:
- Patriot America plus is a comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is designed for non-U.S. citizens visiting the U.S., and for U.S. and non-U.S. citizens living abroad making short visits to the U.S. Plan is suitable for Green Card holders as long as they reside outside the US.
- Atlas America Insurance is a comprehensive visitor insurance designed for non-US citizens and Non-US residents while visiting. This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
- Safe Travels USA Comprehensive plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
- VenbrookPremier plan offers coverage up to $1,000,000, acute onset of pre-existing conditions covered up to 70 years. Non-cardiac events are covered up to the policy limit for ages up to 70 years. While cardiac-related coverage covers up to policy maximum for ages up to 64 years, up to $25,000 for those aged 65 to 69 years and $15,000 for ages 70 and over.
- SafeVista Comprehensive plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. It the best visitor insurance with acute onset of preexisting conditions coverage up to the age of 99 years.
- INF Elite X plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.
Does travel insurance for 65 year old cover pre-existing medical condition?
Finding the best travel insurance for over 65 with existing medical conditions can be challenging, particularly when traveling to the US where the health care cost is very expensive. Elderly visitors tend to have chronic illness like diabetes, high blood pressure(hypertension), or heart disease. Without US visitor insurance for pre-existing conditions, any related medical emergencies during their stay in the U.S. could result in serious out-of-pocket expenses.
If coverage is available for pre-existing conditions, then it is for the acute onset of the pre-existing conditions and not the entire routine maintenance involved with the condition. Acute onset of pre-existing conditions means a sudden and unexpected recurrence of a condition that requires immediate medical attention. It does not cover conditions which the insured was aware of, had scheduled or advised to receive medical care before the start of the policy.
The best over 65 travel medical insurance for pre-existing conditions are Patriot America Plus from IMG offers acute on set of pre-existing conditions up to the age 70 years, VenbrookPremier plan from Venbrook International offers coverage up to $1,000,000, acute onset of pre-existing conditions covered up to 70 years and Atlas America from WorldTrips offers acute onset of pre-existing conditions up to age 79 years.
For seniors above 75, the best international travel insurance for over 75s with pre-existing conditions are Safe Travels USA Comprehensive from Trawick International offers best coverage for acute onset pre-existing conditions up to 89 years, while SafeVista comprehensive offers coverage up to the age of 99. Choosing a plan with maximum coverage limits of $50,000 to $100,000 or more ensures strong financial protection and offers coverage for sudden health complications during your travel to the US. Seniors can compare top travel health insurance for visitors to USA with pre-existing conditions on American Visitor Insurance, ensuring safe and worry-free travel to the United States. We offer expert guidance, trusted plans, and affordable options tailored to your specific medical needs while visiting the USA.
International health insurance for seniors over 65 - FAQ's
1. Why is travel insurance over 65 years old is expensive?
There are several reasons why travel insurance can be more expensive for travelers over 65 years old. The following are the main factors:
- Higher risk: Travelers overs 65 years are more susceptible to health issues or injuries, which can increase the likelihood of needing medical treatment while traveling. Insurance companies factor this increased risk into the cost of above 65 seniors travel insurance.
- Pre-existing medical conditions: Older travelers may have pre-existing medical conditions that require sudden treatment or monitoring, which will increase the cost of seniors travel insurance.
- Longer trips: Retirees above 65 years often have more time to travel and make longer trips, which will increase the cost of insurance.
- More comprehensive coverage: Older travelers need comprehensive coverage, such as coverage for medical evacuation or repatriation, which will increase the cost of senior travel insurance.
2. How can I compare different travel medical insurance for seniors over 65?
Older travelers can easily compare different travel insurance over 65 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies.
Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan
Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:
- The maximum medical coverage available for the age of the traveler
- The cost of insurance and deductible and co-insurance expenses
- The Preferred provider organisation (PPO) network of the insurance provider and user reviews
- The coverage for pre-existing conditions and any exclusions and limitations of the policy
- The customer assistance and emergency helpline of the insurer
3. Is there travel medical insurance for seniors over 70 from USA?
Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.
Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.
4. What’s the most important insurance coverage for senior travelers?
The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.
In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.
Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.
5. Are there travel insurance options for seniors over 70, 80 and 90 years old?
Best visitor insurance for parents visiting USA often vary based on age groups, especially for those above 70, 80, or 90 years. Insurance providers design specific plans to meet the needs and risks associated with each age bracket:
- For ages 70 to 79: Many travel medical insurance plans offer comprehensive coverage, including benefits for acute onset of pre-existing conditions. Patriot America plus and VenbrookPremier offers coverage up to the age 70 and Atlas America offers coverage up to age 79.
- For ages 80 to 89: Fewer plans are available, and coverage limits may be lower. Plans like Safe Travels USA Comprehensive, Visit USA Superior and INF Elite Plus X still offer best benefits for this age group.
- For age 90 and above: Very limited options are available. Plans like SafeVista Comprehensive, INF Premier X and Visitors Protect offers coverage for seniors up to 99 years old, including some acute onset of pre-existing medical condition benefits.
6. Is it possible to get affordable travel insurance for seniors over 65 with chronic health conditions?
Seniors over 65 with chronic health conditions can still find affordable travel insurance, although costs and coverage will differ based on the condition. Most travel insurance plans do not cover routine care for chronic or pre-existing conditions. However, some plans provide limited coverage for acute onset pre-existing conditions.
To find the affordable options, seniors should compare top travel best visitor insurance with pre-existing conditions coverage. This ensures safe and worry-free travel to the United States. INF Premier, INF Elite, and Venbrook Premier stand out as top choices, offering more comprehensive coverage for chronic conditions.
7. How does the duration of stay affect the cost of senior travel insurance over 65?
The duration of the stay significantly affect the cost of senior travel insurance over 65 to the USA. The longer a senior stays in the USA, the higher the probability of needing the senior travel insurance and hence an increase in the cost of their travel insurance. Travel insurance premiums are typically calculated per day or per month, so a 6-month stay will cost more than a one month visit. For example, a 65-year-old visitor staying for a short period around 30 days can expect to pay between $78 to $275 for travel medical insurance. In contrast, a 6-month stay could cost around $465 to $1,900 depending on the coverage and deductible chosen.
Travel tips and medical insurance abroad for over 65 travelers
- Planning your vacation: Quite often there are special holiday packages designed for senior citizens. Consult your travel agent and get an appropriate package, if possible try to travel in a group rather than venturing out alone.
- What to check: It is advisable for US seniors travelling abroad to be aware of medical facilities available in the country you are visiting. Ask your tour operator whether they provide wheelchair, guide dogs or any special requirements while on flight or during the trip.
- Medical check-ups: Consult your doctor for a comprehensive medical check-up before leaving the USA. In case you have existing medical condition, ask for diet specifications or impact due to changes in diet. Get a complete dental check-up before traveling.
- Vaccination: Check for any vaccination required for the country you are visiting. This can be useful to safeguard your immune system from possible illness while abroad.
- Packing tips: Pack your bags wisely with essential clothing according to the weather of the destination country. Carry enough medications for your entire trip as your medicine may not be available everywhere in the world. It is important to carry your prescription letter to carry a large amount of medicine abroad. Keep a copy of your travel medical insurance and other travel documents. It is better to carry baggage with wheels which is easy to transport.
- Safety and Security: Avoid wearing expensive jewellery or carrying too much cash while travelling. The US embassy phone number to get help in an emergency. Stick to bottled mineral water to avoid stomach infections. Check the ingredients in packaged food especially if you have food allergies. Keep a list of doctors information for the area you are visiting.
- Medical insurance for seniors traveling abroad : When senior citizens are traveling long distances, there is always an element of risk. Given the high cost of healthcare, and the fact that domestic health insurance provided limited cover outside the country, it is very important to get the best travel insurance for seniors over 65.
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