US Senior Citizen Travel Insurance, Travel Insurance for US Seniors

Travel medical insurance for seniors traveling from the U.S. is a must-have in the following aspects:

• In most cases, Medicare does not cover any kind of medical treatment outside the U.S., hence leading to the unauthorized presence of senior citizens in foreign countries.
• In the case of the older generation, it is more likely that they will suddenly become ill, be injured, or suffer from complications of their health problems while away from home.
• The prices of visiting a doctor, staying in a hospital, doing diagnostic tests, and ambulances can be very high in other countries.
• Emergencies involving medical evacuation can cost up to $40,000, $50,000, or even more in case of the transport to the U.S., all this without the proper insurance.
• A lot of places require travelers to show proof of having medical travel coverage, especially if they are seniors.

Senior travel insurance from American Visitor Insurance ensures you have access to quality healthcare and financial protection during any medical emergency outside the USA.

Senior travel medical insurance for American citizens provides necessary security during their trips abroad. Such policies are made for the elderly travelers in that they offer great emergency benefits and high medical limits. The main covering features are as follows:

• Emergency Medical Treatment: All new diseases, wounds, infections, and accidents that occur on the trip are covered.
• Hospitalization & Surgery: If necessary, the inpatient care, ICU, and surgical procedures are covered.
• Emergency Medical Evacuation: In case of medical necessity, the nearest medical facility will be chosen for you or you will be taken back to the U.S.
• Urgent Care & Emergency Room Visits: Immediate medical treatment will be available in case of sudden medical issues.
• Ambulance Services: Ground and air ambulance are provided depending on the plan.
• Emergency Dental Treatment: Costs related to dental injuries due to accidents are covered.
• Acute Onset of Pre-Existing Conditions: Sudden, unexpected flare-ups of existing health conditions are covered to a limited extent (age and plan dependent).
• Repatriation of Remains: The returning of the deceased's body to the U.S. is covered if death occurs while traveling abroad.
• Prescription Medication: Medicines necessary to treat a covered illness or injury.

Important Factors to Compare:

• Medical Maximum: Seniors not only need but also benefit from higher limits ($100k–$500k recommended).
• Pre-Existing Condition Benefits: Pick plans that cover acute onset up to upper age limits. Evacuation Coverage: Should definitely be at least $100k–$250k for seniors.
• Destination Requirements: Certain countries require proof of insurance.
• Trip Length: Select a plan that corresponds to your holiday length and renewal preferences.

The best senior travel insurance for U.S. citizens visiting the USA is Visitor Protect from American Visitor Insurance. Other top options for senior visitors include Patriot America Plus and Diplomat America, each providing comprehensive medical coverage, 24/7 emergency assistance, and flexible policy periods to ensure peace of mind during your stay in the U.S.

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. Some examples of this are:

• Someone falls sick or injured and is unable to go the trip as planned.
• Epidemics like Coronavirus, Ebola or H1N1 that is spreading rapidly
• Natural disaster like hurricane, earthquake or volcanic eruption
• Office work that can prevent you going on the trip due to unexpected meetings
• Any other personal reason ...

Travel Insurance have optional benefit for “cancel for any reason” must however be bought within 21 days of initial trip payment.

US senior citizens going on a cruise vacation is truly adventurous and exciting; however, one must take precautions to ensure that the cruise vacation is not a disappointment. Best US senior citizen cruise travel insurance helps protect travelers from unexpected issues. US citizens are likely to pay for the cruise well in advance of the actual travel date, and it is possible that they may not be able to travel on the cruise as initially planned. This makes it important to have the best cruise cancellation insurance to shield them in such situations.

While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While many cruise company protection usually gives cruise vouchers to US citizens if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler.

While most cruises companies offers some cruise protection it does not provide the coverage benefits as provided by trip insurance for cruises. While many cruise company protection usually gives cruise vouchers to US citizens if they miss the cruise, cruise travel insurance provides significantly more benefits such as coverage for trip cancellation, trip delay, baggage loss, baggage delay, medical evacuation and medical insurance for the traveler.
US travelers can further shield themselves by adding Cancel for any reason travel insurance benefit which gives flexibility of cancelling the cruise vacation for any reason, and still get reimbursed up to 75% of non-refundable trip expenses.

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

Another option is to purchase trip or travel insurance which will reimburse you for cost of the trip should you have to cancel or interrupt your trip. These policies are only available to US residents (you do not necessarily have to be a US citizen, a US address will do). These policies, if you go on your trip as expected, also cover any sudden medical expenses that should arise. These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. These can be an excellent way to protect the investment you make on a trip. Compare Best Trip Cancellation Insurance and buy a plan to protect your trip investment expenses.

Long-Term Europe Visa Insurance for US Citizens

US citizens are rarely required to buy insurance while they travel abroad. However, for Americans who wish to stay in Europe for a longer stay, they have requirements similar to other citizens for "Schengen visas". One requirements for being issued a Schengen long term visa is to have proper health insurance in Europe. These travel insurance plans are very affordable and can be purchased easily once you choose the one that's right for you. Compare Popular travel health insurance plans for long term Europe Visa.

Many of us have limited medical insurance which includes high deductibles and coinsurance rates. This is particularly true when we travel even if within the US but outside our home state. It is therefore important to buy trip insurance even when traveling within the US. At American Visitor Insurance, we also offer trip insurance for US citizens traveling within the United States.

These short-term trip insurance plans can be bought for trips up to 30 days and will cover the travelers while they are away from home on a designated trip. Travelers can insure the cost of our trip, which includes the cost of a airline ticket, a cruise, hotels, or any other non-reimbursable costs of a trip, or we can keep this coverage to a minimum ($50 to $100 per person) and get coverage mainly for the medical benefits while on the trip. These trip insurance plans are designed for travelers with coverage for trip interruption, taking care of children, pets, and travel companions while traveling. They can provide peace of mind while traveling within the country or even to a different country!

You can use our TRIP QUOTE COMPARE ENGINE to compare trip insurance plans.

1. Cost of your trip,
2. Unexpected medical expenses while on the trip
3. Loss or damage to your possessions.

• An estimated 39 percent of US travelers were from the Mid-Atlantic States (New York, New Jersey and Pennsylvania), followed by 19 percent from South Atlantic states and 14 percent from the Pacific states.
• The top ports of departure were New York, Miami, Los Angeles, Newark, Atlanta and Chicago which accounted for over 60 percent of US departures.
• The main reason for overseas travel accounting for 40 percent of travelers was leisure/recreation/holiday. Visiting family and friends was the second most popular reason at 37 percent.
• The average length of travel (number of nights) outside the US increased to 18.5 nights in 2009 compared to 18.0 nights in 2008.
• Top leisure activities for US travelers other than dining in restaurants and shopping were visiting historical places, visiting small towns and villages, sightseeing in cities, visiting cultural heritage sites and touring the countryside.

Travel tips for Americans traveling overseas

Americans visiting a foreign country must seek the appropriate visa from the consulate. The visa application can be submitted at the nearest consulate or embassy office. The processing of visa can take a certain time depending on the country of visit.

US citizens are encouraged to submit the application well in advance to their travel dates. Those who are traveling abroad from the US for the first time can easily learn about the food habits, languages, people, culture... onine. It helps to do a little research about the weather, restaurants, sightseeing spots, currency... before leaving the USA.

Emergency medical evacuation insurance commonly called “Medevac insurance” are popular among US citizens travelling to Ireland offer coverage for expenses arising from international security evacuation, medical evacuation and repatriation.

The Atlas Medevac insurance from WorldTrips covers Emergency medical evacuation for US citizens.

This page provides a complete guide to the best travel medical insurance options for U.S. citizen seniors, whether they are returning to the USA for a short visit or traveling abroad. For seniors visiting the United States, American Visitor Insurance offers top plans such as Visitors Protect, the best option for seniors needing pre-existing condition coverage up to age 99, along with Patriot America Plus and Diplomat America, both offering strong medical benefits and acute onset of pre-existing condition coverage.

For U.S. citizen seniors traveling outside the USA, excellent choices include GlobeHopper Senior, ideal for Medicare-eligible travelers abroad, as well as InterMedical Insurance, Atlas International, and Patriot International Lite, which provide affordable and comprehensive international medical and evacuation benefits. This page helps seniors compare these plans by coverage limits, pre-existing condition benefits, evacuation requirements, destination rules, and trip duration ensuring every U.S. citizen senior can choose the right protection for safe and worry-free travel.