Best travel insurance for seniors visiting USA from Philippines
What is the best travel insurance for Filipino seniors visiting the USA?
Filipino seniors can enter the U.S. for tourism for up to 90 days without a visa under the Visa Waiver Program. Seniors must apply for ESTA online before traveling. ESTA is generally valid for 2 years or until the passport expires. Seniors must have an e-passport (biometric) valid for the duration of the stay.
While travel insurance is not mandatory for seniors, it is highly recommended due to the high cost of healthcare in the U.S., as domestic health plans from Philippines are typically not accepted in the U.S.
The U.S. does not provide free healthcare for international travelers from Philippines. When considering travel insurance for Filipino seniors visiting the USA, there are several key factors to consider, such as age, medical conditions, and the level of coverage needed.
The travel insurance for seniors from Philippines to USA provides financial protection against unexpected medical expenses, including hospitalization, doctor visits, and emergency care.
Plans like Patriot America Plus and Atlas America offer various options tailored for visitors, including coverage for acute onset of pre-existing conditions.
It's advisable to choose a comprehensive Filipino seniors travel insurance plan with high policy maximums and manageable deductibles to ensure sufficient coverage throughout the stay American Visitor Insurance offers many Filipino seniors travel insurance from top rated insurance providers. Get the best travel insurance for Filipino seniors to USA at a reasonable price.
What are the travel insurance requirements for Filipino seniors visiting the USA?
Travel insurance for Filipino Seniors visiting the USA
| Coverage Type | Recommended Coverage | Why It’s Important |
|---|---|---|
| Medical Coverage | At least €100,000–€250,000 | U.S. hospital visits and procedures can be extremely costly. |
| Emergency Medical Evacuation | €100,000 or more | Covers transport to a better facility or back to Philippines. |
| Repatriation of remains | Available | In case of death in USA, this covers return to home country. |
| Pre-Existing Conditions | Must be declared and covered | Many seniors have conditions that need specific coverage. |
Proof of US travel insurance for seniors from Philippines might be required when applying for certain long-term visas, but not for ESTA. The seniors travel insurance must be valid for the entire stay and must be in English.
How to Buy Smarter Visitor Insurance for Parents and Seniors
Choosing visitor insurance for parents and seniors requires a different approach than buying coverage for younger travelers. Age limits, existing health conditions, and higher medical risks mean that the smartest choice is rarely the cheapest plan. Instead, travelers should focus on coverage that offers protection, clarity, and predictability.
Choosing the Highest Medical Coverage Available for Their Age
For older travelers, medical needs can escalate quickly. Even a short hospital stay in the U.S. can result in very high bills. Smarter Senior Visitor Insurance planning means choosing the highest medical coverage maximum available for the traveler’s age, rather than settling for the minimum.
- When comparing plans, travelers should:
- Check how coverage limits change by age band
- Choose higher maximums where eligibility allows
- Avoid plans with very low caps that may not handle serious emergencies
Higher coverage limits help protect savings and reduce financial stress during unexpected medical situations.
Example: A 68-year-old parent visiting the U.S. experiences severe dehydration and dizziness and is admitted to the hospital for observation and tests. A two-day hospital stay, blood work, and imaging can cost $18,000–$25,000. A plan with a low coverage cap may run out quickly, leaving the family to pay the remaining balance. Choosing the highest coverage maximum allowed for their age helps absorb these costs and protects family savings.
Coverage for Sudden Medical Emergencies Related to Pre-Existing Conditions
Many parents and seniors manage stable conditions such as diabetes, high blood pressure, or heart-related issues. While these conditions may be under control, sudden complications can still occur during travel. Smarter medical insurance for seniors must include coverage for emergency treatment from pre-existing conditions, widely known as acute onset coverage. This benefit can help cover sudden, unforeseen medical emergencies related to existing conditions, rather than excluding them entirely.
When buying insurance:
- Review how the policy defines pre-existing conditions.
- Confirm what qualifies as an emergency.
- Understand any age or coverage limits tied to this benefit
Plans that offer some level of emergency protection are generally more suitable for senior travelers than those with complete exclusions.
Example: A 72-year-old traveler with well-controlled diabetes experiences a sudden spike in blood sugar due to travel stress and diet changes. Emergency treatment is required. With acute onset coverage, the insurance helps cover emergency care related to the existing condition. Without this benefit, the entire medical bill may be denied because the condition existed before travel.
How Deductibles and Coinsurance Impact Your Medical Bills
Low premiums can sometimes hide high out-of-pocket expenses. Smarter Senior Parents insurance choices focus on expected costs, not just affordability.
- Travelers should clearly understand:
- The deductible amount before coverage starts
- The percentage of costs paid through coinsurance
- Any co-pays for doctor or urgent care visits
Choosing a plan with transparent and reasonable cost-sharing helps families plan financially and avoid surprises during medical treatment.
Example: A senior traveler visits an urgent care center and later requires a short hospital stay, resulting in a $10,000 medical bill. With a $500 deductible and 20% coinsurance, the family pays the deductible first and then shares a portion of the remaining cost. Because these terms were clearly explained upfront, the family knows what to expect and avoids panic or confusion during treatment
Understanding What Is and Is Not Covered
All insurance plans have exclusions, but smarter insurance for seniors explain them clearly before purchase. This clarity is especially important when insuring parents or seniors, where assumptions can lead to denied claims.
- Before buying, Parents should:
- Review exclusions related to age, medical conditions, and treatments.
- Understand what is not covered, such as routine care or non-emergency services.
- Make sure limitations are clearly stated and easy to understand.
Knowing exclusions in advance helps senior parents choose coverage with confidence and avoid misunderstandings during emergencies.
Example: A parent visiting the U.S. schedules a routine follow-up appointment for high blood pressure, assuming it will be covered by their visitor insurance. The claim is later denied because routine check-ups and ongoing management of chronic conditions are excluded under the policy. Since this exclusion was not reviewed before purchase, the family is surprised by the out-of-pocket expense.
Smarter Insurance Is About Choosing the Right Coverage, Not the Cheapest Plan
For parents and seniors visiting the U.S., smart insurance planning means choosing coverage that matches health needs, age eligibility, and risk exposure not simply the lowest-priced plan.
By focusing on higher coverage limits, emergency protection for pre-existing conditions, predictable out-of-pocket costs, and clear exclusions, families can choose the best parents visitor insurance on American Visitor Insurance that offers real protection and peace of mind throughout the trip.
Are there any travel insurance for Filipino Seniors visiting USA?
When selecting travel insurance for Filipino seniors traveling to the USA, several plans are particularly well-suited to meet their needs. Here are some recommended options based on coverage, affordability, and benefits:
-
Seniors travel insurance for above 60 years
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.Visitors Care IMG
- Cheap visitor health insurance for parents visiting USA.
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation,: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare
or United HealthCare 
- Visitors Care insurance cost for 60 year old traveler ranges from $38 to $89 for a month.
Policy maximum?
$25,000, $50,000, $100,000Deductible options?
$0, $50, $100Period of coverage?
5 days to 2 years
Venbrook Essential Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Essential insurance cost for 60 year old traveler starts from $47 to $120 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 12 months
Venbrook Premier Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Premier insurance cost for 60 year old traveler starts from $85 to $330 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $250,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500 and $5,000Period of coverage?
5 days to 12 months
Visitors Preferred IMG
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare or United HealthCare
- Emergency medical evacuation: Covers up to $1000,000.
- Visitors Preferred insurance cost for 60 year old traveler ranges from $100 to $363 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
5 days to 12 months
Diplomat America Global Underwriters
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Freedom to choose hospitals or doctors
- Emergency medical evacuation: Covers up to $250,000.
- Diplomat America insurance cost for 60 year old traveler ranges from $133 to $379 for a month
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
15 days to 12 months
Safe Travels USA Trawick International
- Unexpected recurrence of pre-existing conditions: Covers up $1,000 for ages up to 70 years.
- Cardiac conditions or stroke: Covers up to $25,000 up to age 69 years.
- Direct Billing: First HealthCare
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Safe Travels USA Insurance cost for 60 year old travelers ranges from $80 to $357 for a month
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
-
Older traveler medical insurance for above 70 years
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to the policy maximum (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covered up to unlimited.
- Repatriation of remains: Covers up to $25000 per policy period.
- Safe Travels Advantage cost for 70 years old traveler ranges from $61 to $166 for a month
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 364 days
Safe Travels Elite Diamond Trawick International
- Acute onset of pre-existing conditions: Covers up to $35,000 (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covers up to $50,000.
- Repatriation of remains: Covers up to $7,500 per policy period.
- Safe Travels Elite cost for 70 years old traveler ranges from $100 to $150 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$100, $200Period of coverage?
5 days to 364 days
Atlas America WorldTrips
- Ideal plan for parents with pre-existing conditions coverage up to 79 years.
- Acute on set of pre-existing conditions: Covers up to policy maximum.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $1,000,000.
- Border entry protection: Covers up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
- Atlas America Insurance cost for 70 year old travelers ranges from $201 to $619 for a month.
Policy maximum?
$50,000, $100,000, $150,000Deductible options?
$0, $100, $250, $500Period of coverage?
364 days
Travel Medical Choice Seven Corners
- Acute on set of pre-existing conditions: Covers up to policy maximum, cardiac conditions are included under pre-existing conditions.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Travel Medical Choice Insurance cost for 70 year old travelers ranges from $286 to $808 for a month.
Policy maximum?
$50,000, $100,000Deductible options?
$0, $100, $250, $500, $1,000Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Most popular plan with Acute on set of pre-existing conditions coverage up to $35,000 (up to age 79).
- Direct Billing: First healthcare
- Cardiac conditions or stroke: Covers up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 70 year old travelers ranges from $179 to $645 for a month.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Visit USA Standard Travel Insurance Services
- Budget friendly travel insurance with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $250,000.
- Repatriation of remains: Covers up to $50,000.
- Visit USA Standard Insurance cost for 70 year old travelers ranges from $165 for a month.
Policy maximum?
$75,000Deductible options?
$0Period of coverage?
5 days to 364 days
-
Senior Citizen travel insurance for above 80 years
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to $15,000 (up to age 89).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare
- Emergency medical evacuation: Covers up to unlimited.
- Repatriation of remains: Covers up to $25,000 per policy period.
- Safe Travels Advantage cost for 80 years old traveler ranges from $159 to $574 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000Deductible options?
$0Period of coverage?
5 days to 364 days
Visit USA Superior Travel Insurance Services
- Affordable travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 80 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000Deductible options?
$0, $250, $500, $1,000Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Acute on set of pre-existing conditions: Coverage up to $20,000 (up to age 89).
- Direct Billing: First HealthCare
- Cardiac conditions or stroke: Covered up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 80 year old travelers ranges from $566 for a month.
Policy maximum?
$20,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First healthcare or Unitedhealthcare
- Emergency medical evacuatio: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 80 years old traveler $1987 for 3 months.
Policy maximum?
$50,000Deductible options?
$250, $500, $1,000, $2,500 or $5,000Period of coverage?
90 days up to 12 months
INF Elite Plus X INF
- Perfect plan for seniors with Preventive and maintenance care benefit.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite Plus insurance cost for 80 years old traveler $3499 for 3 months.
Policy maximum?
$75,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
-
Senior Citizen travel insurance for above 90 years
Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.INF Premier X INF
- Affordable plan for seniors with full pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $15,000/$20,000 maximum with $1,000/$5,000 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $20,000 maximum.
- Minimum purchase is 90 days.
- INF Premier X insurance cost for 90 years old traveler $1091 for 3 months.
Policy maximum?
$100,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
INF Elite X INF
- Ideal plans for seniors with pre-existing conditions coverage up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite X insurance cost for 90 years old traveler $2,887 for 3 months.
Policy maximum?
$75,000Deductible options?
$250, $500, $1,000, $2,500, $5000Period of coverage?
90 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First HealthCare or Unitedhealthcare
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 90 years old traveler $1987 for 3 months.
Policy maximum?
$50,000Deductible options?
$250, $500, $1,000, $2,500 $5,000Period of coverage?
90 days to 364 days
Visit USA Superior Travel Insurance Services
- Budget friendly travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare or First HealthCare
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 90 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000Deductible options?
$0, $50, $1,000, $2,500, $5000Period of coverage?
5 days to 364 days
How do I choose the right plan for Filipino seniors visiting USA?
When selecting a plan for Filipino travel insurance for seniors visiting the US, consider the following factors such as:
- Medical Coverage Limits: Make sure the plan offers sufficient medical coverage to cover emergencies and illnesses that could arise during the trip. U.S. healthcare costs can be high, so the insurance should provide adequate limits for both outpatient and inpatient treatment.
- Emergency Medical Evacuation: Check if the policy covers emergency medical evacuation, which could be critical in case of a severe medical issue requiring transportation to another facility or back to the Philippines for treatment.
- Pre-existing Conditions: If seniors have any pre-existing medical conditions, look for insurance plans that cover or offer a waiver for pre-existing conditions. Some plans provide coverage for pre-existing conditions if purchased within a certain time frame before the trip.
- Age Restrictions: Ensure the plan is designed for seniors. Some policies may have age limits or may not cover travelers beyond a certain age, while others offer specialized plans for older travelers.
- Duration of Coverage: Make sure the coverage lasts for the entire duration of stay in the U.S. If the trip is extended, check if the policy allows for an extension.
- Hospital and Doctor Network: Check if the plan has an extensive network of hospitals and doctors in the U.S. This can ensure that your seniors receive timely and efficient care in case of an emergency.
- Reputation and Customer Service: Research the insurance provider’s reputation and customer service reviews. Opt for an insurer with reliable support and a good track record of processing claims quickly and fairly.
- Trip Assistance Services: Look for policies that offer 24/7 assistance services, including language support and emergency assistance, especially helpful when navigating in the USA.
- Travel Insurance Add-Ons: Consider if there are any add-ons, such as coverage for lost baggage, flight delays, or lost documents, to enhance the overall protection for seniors during their visit.
- Repatriation of Remains: Ensure that the plan includes coverage for repatriation of remains in case of death during the trip. This benefit ensures that the remains can be transported back to the Philippines in a dignified manner.
- Trip Cancellation and Interruption: Look for coverage that helps in cases where you need to cancel or interrupt your trip due to unforeseen events like medical emergencies or family issues. This can save you money on non-refundable bookings.
- Baggage Loss or Delay: Ensure that the policy offers compensation for lost, delayed, or stolen baggage. This is especially important for seniors who may be carrying medication or essential items during their trip.
- Language Support: It’s crucial for seniors traveling to the U.S. to have access to language support. Choose a policy with customer service representatives fluent in Filipino or at least offer a translation service in emergencies.
- Emergency Dental and Eye Care: Look for a plan that includes coverage for emergency dental treatment or eye care, which can be essential in cases of sudden pain or discomfort during the trip.
- Sports and Activities Coverage: If seniors plan on engaging in specific activities like hiking, golfing, or water sports, check if the policy covers these activities. Some travel insurance plans may exclude certain activities unless explicitly included in the policy.
- Loss of Passport or Important Documents: Ensure the plan offers coverage for lost or stolen passports and other important documents. This is especially beneficial if you lose documents while navigating a foreign country.
- 24/7 Emergency Assistance: Look for policies that provide around-the-clock emergency assistance. This benefit is particularly helpful for seniors who may face unexpected health issues or other emergencies during their travels in the U.S.
Travel insurance with pre-existing conditions coverage for Seniors
Many senior travelers who are visiting USA are likely to have pre-existing medical conditions. It is very important for senior citizens to buy good travel medical insurance with best available coverage for pre-existing conditions.
While many travel medical insurance plans do not cover any pre-existing conditions, some travel insurance plans provide coverage for acute onset of pre-existing conditions, while there are a couple of plans with coverage for pre-existing conditions.
"Acute onset of pre-existing conditions" refers to the condition which is severe enough to life or lifestyle such that it must be taken care of right away and cannot wait until returning to one’s home country. Senior citizens should understand these coverage definitions well and buy the most appropriate travel medical insurance with pre-existing conditions for USA.
Senior citizens international travel tips
Best visitors insurance for Filipino seniors to USA – FAQ’s
1. Is visitor insurance required for my seniors?
While Visitors insurance for Filipino seniors to USA is not legally required for travelers on a B-2 tourist visa, it is highly recommended. Your domestic health insurance from Philippines is generally not accepted or provide coverage in the U.S., making visitor insurance essential for accessing necessary medical treatment without incurring high costs.
2. Why do Filipino seniors need visitor insurance when traveling to the US?
The cost of healthcare in the US is significantly high, and without travel insurance for Filipino seniors to USA, even minor medical issues can lead to substantial expenses. Visitor insurance in USA for seniors provides essential coverage for medical emergencies, ensuring that travelers can receive necessary care without financial burden.
3. How can Filipino seniors purchase travel insurance to USA?
Filipino seniors visiting USA can be purchased online through the marketplace that allow comparisons between different plans from U.S. based companies on American Visitor Insurance. This makes it easy to find a policy that fits their specific needs and budget.
4. Is visitors insurance USA recommended for short visits?
Yes, visitors insurance USA is highly recommended for short visits to the USA, especially for international travelers, including Filipino seniors. The U.S. has some of the highest healthcare costs in the world, and without insurance, even minor medical issues can lead to significant financial burdens. Visitor insurance provides essential coverage for unexpected medical emergencies, hospitalizations, and other healthcare needs during their stay.
5. Is pre-existing condition coverage available for Filipino seniors visiting the USA?
Yes, many insurance plans offer coverage for the acute onset of pre-existing conditions. However, not all plans include this, so it’s important to check the policy details before purchasing.
6. What happens if Filipino seniors don't purchase travel insurance for their visit to the USA?
If Filipino seniors don’t purchase travel insurance, they risk paying out-of-pocket for unexpected medical treatment, medical evacuation, or trip disruptions, which can be financially burdensome due to the high cost of healthcare in the U.S.
7. What documents are required to purchase insurance for senior travelers?
Typically, only basic information like name, date of birth, passport details, and travel dates are required. No medical tests are needed, making the process fast and simple.
Annual travel insurance for seniors
What are the different types of US visitors travel insurance?
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
Safe Travels Advantage insurance
Trawick International
$20 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- 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 insurance
Venbrook International
$25 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- 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
- 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
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
- Policy maximum limits ranges from $10,000 to $1,000,000
- Deductible options $0 to $2,500
- Coverage from 5 days to 12 months
- Covers acute onset of pre-existing conditions
- Policy maximum limits ranges from $10,000 to $2,000,000
- Deductible options $0 to $5,000
- Coverage for 364 days
- Covers acute onset of pre-existing conditions, also includes $25,000 lifetime maximum for emergency medical evacuation
Safe Travels USA Comprehensive insurance
Trawick International
$87 PER MONTHAge: 40 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0 to $5,000
- Coverage from 5 days to 364 days
- Covers acute onset of pre-existing conditions coverage up to 100% policy maximum
What are the types of US senior travel insurance from Philippines?
| Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
|---|---|---|
| Cost | Affordable with lower premiums | More expensive due to extensive coverage |
| Coverage | Fixed amount per benefit limited or 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 |
| Flexibility | Offer flexibility in choosing doctors and hospitals within a PPO network | Limited flexibility in choosing doctors and hospitals |
| Pre-existing Conditions Coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while others only for acute onset of pre-existing conditions |
| Recommended For | Budget-conscious travelers who only need basic coverage | Travelers who want comprehensive coverage for any medical needs |
Travel smart with our comprehensive 6 month USA travel insurance
Find the best reliable 6 month USA travel insurance for Seniors
Resourceful visitors medical insurance information
Expat health insurance resources
Choose Expat travel health insurance resources for global travelers.
Factors for expat travel insurance
Important factors while deciding on the best travel insurance for expatriates.
Expatriate health insurance claims process
Expat health insurance online claims process for getting medical care in a hospital.
Best health insurance for parents in USA
Visitor medical insurance for travelers above 60 years
Know more »Visitor medical insurance for travelers above 65 years
Know more »US Visitors insurance for travelers above 70 years
Know more »Visitor medical insurance for travelers above 75 years
Know more »Visitor health Insurance for travelers above 80 years
Know more »US Visitors insurance for travelers above 90 years
Know more »