US visitor insurance for senior citizens
No matter what your age, American Visitor Insurance has some medical best international medical insurance options for you! However, at certain age brackets the options do become more limited which is why I have put this article together.
For traveler's in their 60's
There are still many insurance options available for travelers over 60 years with up to $1,000,000 policy maximums. In this group, you can also get fairly good coverage for sudden and acute onset of pre-existing conditions with some plans.
Atlas America offers limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions). The Inbound USA covers sudden and unexpected recurrence of a pre-existing condition in the same, limited way as any other condition (it is a fixed plan).Patriot America Plus offers up to plan maximum for pre-existing conditions up to 70 years. Patriot Platinum offer pre-existing condition coverage up to $50,000 for non-US citizens under 65. INF Elite Plan is a comprehensive plan and is the plan with excellent coverage. This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US.
This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months. INF Traveler USA Plan is another comprehensive plan from INF and unique feature of this plan is that it covers Urinary Tract Infections which is common among older travelers. This plan provides a policy max option of $75,000 and $150,000 with a deductible of $500. It does not cover pre existing conditions.
For traveler's in their 70's
Visitor insurance for persons in their 70's include most policies that offer maximums of $50,000, although a few (Patriot Platinum, Diplomat America) offer up to $100,000 maximum policies. The only coverage for pre-existing conditions is now very limited, mostly to heart attack and stroke up to usually $2,500 (Visitor's Care).
The Patriot plan (Patriot Platinum) offer up to $2,500 of coverage for pre-existing conditions with no specific limitation to illness. INF Elite Plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan. INF Traveler USA Plan provides a policy maximum of $75,000 for people over 70 up to the age of 99. This plan covers Urinary Tract infection for older travelers above 70 years.
In this age group, we still recommend a comprehensive plan since they provide more complete coverage. You can bring down the cost of these plans by opting for a high deductible ($1000 or $2500) and still protect yourself against a large medical bill.
For traveler's in their 80's
Once a person hits their 80s and higher (and still traveling -- way to go!), my advice is quite different. In this age group, Inbound USA offers fixed benefit coverage. INF Elite Plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions. This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
INF Traveler USA Plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.This plan covers Urinary Tract infection for older travelers above 70 years. This plan does not cover pre existing conditions including acute onset of pre existing conditions.
Some clients worry about the name of this policy. While it is meant for immigrants to the US with or without green cards renewable up to 5 years, it is also available for any legal visitors to our lovely country. You can review all travel insurance plans suitable for travelers aged above 80 years.
All plans we offer have emergency medical evacuation and repatriation no matter the type or maximum. The main question to decide upon is what you want to insure yourself against. Some customers are worried about the small, but more likely expenses like seasonal flu, stomach issues, etc that are common for travelers. Fixed plans will cover these sorts of things fairly well although they may never cover 100% of your expenses. If, on the other hand, you want to insure yourself against a major catastrophic medical bill, then for those under 80, a comprehensive plan with a high deductible is what I would recommend.
Best travel insurance for over 90 year travelers
Traveling as one gets older is admirable, but it must be understood that the risk of an unexpected medical emergency increases and even a minor injury or illness can lead to hospitalization. While traveling in a foreign country, especially in the US or Europe, given the high cost of healthcare, travel insurance for seniors over 90 years is extremely important and can protect senior travelers from huge financial loss in the event of an medical emergency.
Visitors insurance even for 90+ year old senior travelers is available with suitable benefits. Compare these US travel health insurance over 90 years seniors offered by reputed US insurance companies. Travelers can get quotes and buy travel health insurance for seniors over 90 years.
Travel health insurance for older US travelers (65+ years)
Many older US citizens have already received the Covid19 vaccination in the United States. This has enabled them the opportunity to travel fairly early in 2021 after being forced to stay within safe bubble environments for all of 2020.
However it is prudent to travel to countries where the health care infrastructure is reliable and not under stress due to the current pandemic.
It is even more important to have adequate travel health insurance for your travels. Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip Plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-Trip Plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.
Coronavirus Coverage for seniors above the age of 65+
Coronavirus pandemic has hugely disrupted international travel all around the globe. It has effected all age groups and the Omicron and new Delta variants is considered to be more contagious and is effecting vaccinated population too.
With the vaccine rolls outs across all countries, travel has slowly stared. However, travelers who are aged above 65 need to be very cautious and take all precautions before travelling. There are some good Covid -19 cover plans for senior citizens that can be purchased before travelling. They offer coverage for coronavirus illness regardless of which variant the illness caused.
