Top medical insurance claims for older travelers visiting usa

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An overview

According to INF insurance

the top Eight visitor medical insurance claims for older travelers visiting the US are:

Ailment and average cost of treatment
  • Type 2 Diabetes Mellitus with Hyperglycemia
    Patients admitted to the hospital Emergency Room(ER) and discharged within 1-2 days. The average bill across the US for a hypoglycemic event is around $25,000.
  • Cerebral Infarction, also known as stroke
    This can involve a 4-5 day stay in the Intensive Care Unit (ICU) coupled with at least 2 MRI scans and follow up treatments with a Neurologist. The average cost of a cerebral infraction is nearly $100,000.
Seniors Travel Insurance
  • Septicemia, blood poisoning caused by bacteria often due to Urinary Tract infection. The average cost of septicemia in 2018 was over $50,000
  • Cerebral Artery Occlusion
    Ischemic stroke- the occlusion of a cerebral artery that causes damage to the brain tissue dependent on blood supply for the affected blood vessel. Treatment for this kind of stoke will definitely need ICU care for 8-10 days, many brain scans from MRI and PET machines, and skilled follow up care. The average cost of cerebral artery occlusion in 2018 was nearly $120,000.
  • Non-ST-elevation myocardial infarction,commonly known as heart attack
    Typical medical bills will include ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists. The average cost for Non-ST-elevation myocardial infarction in 2018 was close to $20,000.
  • Persistent atrial fibrillationwhich results in irregular or rapid heartbeat
    Common symptoms experienced by older travelers due to extreme weather conditions can include dizziness, nausea and heart palpitations. According to INF claims data, the average cost of an atrial fibrillation in 2018 was almost $12,500.
  • Hypertensive emergency
    A Hypertensive emergency is high blood pressure with a systolic blood pressure of over 180 mmHg or having a diastolic blood pressure over 110mmHh. This level of high blood pressure can permanently damage organs such as the brain, kidney, eyes, or heart. INF claims data found that the average treatment of hypertensive emergencies was over $85,000 in 2018.
  • Acute Kidney Failure
    Acute Kidney Failure is a complication caused by different pre-existing conditions such as high blood pressure, urinary tract infections or diabetes. The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018.

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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How much does US Visitor health Insurance cost?

There is no single cost for all visitors insurance as the cost of US visitors insurance varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, type of visitors insurance (Fixed vs comprehensive travel insurance), and the travel insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travel insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

Cost of best Visitor Medical insurance USA plans

For eg - Age: 40 years; Duration: 1 Month; Deductible: 0
Travel Insurance Plans Medical limit ranges Estimate Plan Cost
IMGInternational Medical Group (IMG)
Patriot America Lite $50,000 - $1,000,000 $90 - $165? Buy now
Patriot America Plus $50,000 - $1,000,000 $90 - $165? Buy now
Patriot America Platinum $2,000,000 - $8,000,000 $180 - $310? Buy now
Visitors CareFixed benefit $25,000 - $1,00,000 $30 - $50? Buy now
Trawick InternationalTrawick International
Safe Travels USA - Cost Saver $50,000 - $1,000,000 $70 - $120? Buy now
Safe Travels USA $50,000 - $1,000,000 $90 - $160? Buy now
Safe Travels USA Comprehensive $50,000 - $1,000,000 $90 - $160? Buy now
Safe Travels EliteFixed benefit $50,000 - $175,00 $40 - $60? Buy now
Atlas America $50,000 - $2,000,000 $110 - $230? Buy now
Atlas Premium America $50,000 - $2,000,000 $190 - $330? Buy now
VisitorSecureFixed benefit $50,000 - $130,000 $40 - $80? Buy now
SevenCornersSeven Corners
Travel Medical Basic $50,000 - $1,000,000 $110 - $180? Buy now
Travel Medical Choice $50,000 - $1,000,000 $120 - $230? Buy now
Travel Medical Plus $50,000 - $1,000,000 $160 - $290? Buy now
Inbound USA BasicFixed benefit $50,000 - $150,000 $55 - $70? Buy now
Inbound USA ChoiceFixed benefit $50,000 - $150,000 $80 - $100? Buy now
global-underwritersGlobal Underwriter
Diplomat America $50,000 - $1,000,000 $130 - $220? Buy now
TravelInsureTravel Insurance Services
Visit USAFixed benefit $50,000 - $250,000 $50 - $190? Buy now

Best Covid19 travel insurance for seniors visiting USA

Covid visitors insurance for elderly

International travel has been increasing again after the complete lockdown due to the Covid19 pandemic. However given the health risks and the surge in the new delta and Omicron variants,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.

INF Covid19 travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19. INF Premier insurance and INF Elite insurance covers COVID19 as any new sickness only if the person did not have the sickness before purchasing the insurance.

INF Travel insurance

INF Travel insurance has designed a few US visitor insurance with extremely good coverage for older travelers especially for the pre existing conditions. These plans cover all pre existing conditions including blood test, doctor appointments, specialist care...for US and NON US citizens coming to the US, which most of the other visitor insurance plans.

There fixed and comprehensive plan options available. However, comprehensive plans are the most recommended due to their flexibility in benefit coverage. Visitors to US can compare popular visitors medical insurance for pre-existing conditions and buy the best plan satisfying their needs.

INF Travel Insurance - Pre-existing Questions

Is Asthma a pre-existing condition for INF travel insurance?

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.

Is Asthma covered in INF travel insurance?

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do I need to declare mild asthma for travel insurance?


Is Arthritis a pre-existing condition for travel insurance?

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.

Do I have to declare rheumatoid arthritis on travel insurance?


Does INF travel insurance covers arthritis?

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Is Diabetes considered pre-existing condition?

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.

Is diabetes covered under INF travel insurance?

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do we have to declare pre diabetes on travel insurance?


Does INF travel insurance cover heart attacks?

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.

Which INF travel insurance covers heart conditions?

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

General FAQ's

What travel insurance is best for seniors?

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.

At what age does travel insurance become expensive?

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.

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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