Buying travel medical insurance plan for two senior citizen travelers

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Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Combined visitors insurance for both the travelers or separate plans for each one?

Older travelers insurance plans
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.

When to buy a combined international travel health insurance policy?

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.
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 Network, Atlas Travel plan, Liaison Choice, SafeTravels USA Comprehensive... are some of the good comprehensive plans with pre existing condition coverage.

When to buy 2 separate visitor insurance policies?

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 below 70 can buy any plan as long as the customer feels that all the requirements are met. In other words, as long as the customer has not crossed 65, they can buy any insurance plan meeting their needs and requirements. 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.
Seniors Travel Insurance
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.
travel insurance guide
Travel tips for Senior citizen travelers
Travel tips for older travelers – safety, comfort and wellness.
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