Visitor Insurance for Seniors

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. This plan does not cover pre existing conditions including acute onset of pre existing conditions. INF Advantage plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250.

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. INF Advantage plan covers only acute onset of pre existing conditions and not any routine work associated with it. This is good for medical emergencies like stroke and heart attack. This plan can be purchased for less than 3 months. This plan provides a maximum of $75,000 for acute onset of pre existing conditions for people in the age range of 70-99 subjected to a deductible of $250. Unfortunately, the comprehensive policies are only for $20,000 and $10,000 maximum and I dont think the high price tag is justified since the maximum coverage is so low (a broken bone in the hospital for three days can easily run you $40,000). 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.