We often get customer queries from older travelers visiting the US for different occasions, for different duration of stay and they usually are of diverse age groups. US Travel health insurance is such an important requirement particularly in the US that travelers should understand their options and buy the best visitor health insurance plans commonly known as travel insurance plan for their needs.
The price of the international travel insurance for senior citizens to US visitor medical insurance plan depends on the travel duration, age of the traveler, selected policy maximum and the deductible.
Senior citizen travel insurance for travelers above the age of 70, the benefits reduce such as the policy maximum value may get limited, coverage for pre-existing condition may or may not be available and so forth. When travelers need to purchase insurance for family or a spouse coming along, they tend to get confused whether to buy two separate plans or a single combined plan for both. Customers wonder which of these is better for their situation. The biggest factor that can be considered to make this decision is the age bar.
Depending on the age of the primary insured and the spouse, it will be possible to see which option is the best for them. In a combined policy, the other concern for some customers is whether the mentioned policy maximum is available separately for both, or is it a combined amount for both put together? The answer is that it is separately available for both the individuals on the plan. For instance, if the policy maximum selected is $100,000, then each of the individual on the plan are entitled for a maximum of $100,000 each.
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When couples want to buy the best international travel insurance and both are below 70 years of age, then the combined international visitor insurance policy works well. One will be the primary insured and the other will be the spouse on the insurance plan. There are no changes in the benefits such as coverage for pre existing conditions, sports and much more when both of them are in this age range.
In a combined policy , the policy maximum for each individual is applicable separately although they share a single plan with a common Certificate Number. Some of the student insurance plans for international students coming to the US, are available to the spouses only when the primary insured is on the same plan. That means, it has to be a combined policy.
Example
Let us take an example of a purchase of 2 people of age 64 and 58 wanting to purchase a travel health insurance plan to travel to the US. The husband is 64 and is in good health and wife/spouse is 58 and has a pre existing condition which is under maintenance. Buying a combined policy for this couple will work fine, as most of the plans provide coverage for pre existing conditions up to the age of 70.
Some of insurance plans have extended their coverage up to age 80. This way the husband is getting sufficient coverage as well as the wife/spouse is getting covered for her pre existing condition. INF Elite Plan, Atlas Travel plan, Travel Medical Choice, SafeTravels USA Comprehensive... are some of the good comprehensive plans with pre existing condition coverage.
For a Visitor Travel insurance plan, when 2 people of different age range, that is, if one is more than 70 and the other one is below 70, then it is advisable to purchase a policy that gives sufficient coverage to both of them for their age range.
If the person above the age of 70 has a pre existing condition , then that person must buy a plan that provides good pre existing condition coverage for the people above 70. For the ones below 70, any other plan which has pre existing
condition coverage only up to the age of 70 should work fine. The person
In such situations where the two individuals are in an age range where there is a significant change in the provision of benefits, buying 2 separate plans will work best to get adequate coverage.
Example
Let's say that there is a couple where the husband if 75 and the wife is 68. Husband has a pre existing condition and wife is in good health. Wife who is 68 is eligible to purchase any plan that provides pre existing condition up to age 70 or extends the coverage beyond 70.
Whereas, the husband has to choose a plan that provides visitors insurance coverage for pre existing condition for people above 70 otherwise he will not get covered for his pre existing condition.
Purchasing a comprehensive plan is advisable over a fixed benefit plan for the flexible benefits that you get from a comprehensive plan. But in some situations where the person is above 80 years of age, some of the fixed plans provide a higher policy maximum compared to the comprehensive plans.
International travel has been increasing again after the complete lockdown due to the Covid19 pandemic. The US White House has announced that effective 8th November 2021; the travel ban for international travelers to the US by air and land would come to an partial end. Travelers who are fully vaccinated will be allowed to enter the US with proofs of vaccination and a negative Covid19 test report 72 hours before the departure date.
Non-vaccinated travelers as well as U.S citizens and lawful permanent residents need to take Covid19 test 24 hours before the departure date to the US. Travelers need to provide complete contact details of the stay in the USA. Irrespective of their citizenship, if a traveler has visited the country which is listed in the red list they are still restricted from entering the country.
However given the health risks especially for older travelers and parents along with increased healthcare costs involved in light of the pandemic, it is very important to have good covid travel insurance for seniors. Senior Citizens can compare Senior citizen travel insurance with Covid coverage by using our visitors insurance compare tool.
In the facility, we have a question clarifying if you need to compare visitors insurance for Covid19. Even within our display comparing best travel insurance for Covid19, we have a "filter" option where visitors can filter for Senior citizens Covid19 travel insurance coverage plans only. Based on Covid travel insurance requirements for seniors we display all the available Covid travel insurance plans from top rated US insurance providers.
If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
No.
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
No.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.
Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older. Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.
Senior citizen travelers can use our user compare travel insurance tool to find the best older traveler insurance offered by top US rated insurance providers. This comparison tool helps travelers compare prices of all the plans along with the coverage benefits. There are different factors to consider while buying travel insurance for above 60 years.
There are 2 types of insurance plans namely fixed benefits and comprehensive benefit insurance plans. Fixed benefit plans are affordable but offer scheduled benefits and suitable for travelers requiring limited coverage. Comprehensive plans are expensive but offer extensive coverage and these plans are ideal for senior travelers who need coverage for all the expenses.
These plans also have a wide range of deductibles which is the initial amount the travelers needs to pay before the insurance start paying. Plans with higher deductibles are cheaper than plans with lower deductibles.Apart from the above factors, few travel insurance plans offer additional coverage for Acute onset of Pre-existing conditions.
By doing a good research and keeping these travel insurance coverage features in mind, senior travelers can save money on the best travel medical insurance for 60 years as per their requirements. Please know we are here to help you make the best, informed decision to get travel medical insurance and above! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Senior Citizens are older travelers aged above 60 and by virtue of their age are vulnerable to medical risks while travelling. It is recommended that senior travelers should purchase comprehensive travel insurance that provides maximum cover for stress free travel.
Travel insurance is more expensive for older travelers as the price increases steadily based on the age of the traveler. One can state that prices are expensive for travelers aged 60 years or older.
Along with age, other factors that determine the cost of travel insurance is the type of coverage (fixed benefits vs Comprehensive), the maximum medical coverage as well benefits such as coverage for acute onset of pre-existing conditions.
Senior Citizen travel insurance
Senior travelers above 60 years
Senior citizen insurance over 65
Trave insurance 70 years
Senior travelers over 75 years
Senior travelers over 80 years
Senior travelers over 90 years
Pre-existing visitors insurance
Parents visitors insurance for USA
Schengen visa plans for Seniors
Covid travel insurance - Know more
