Best travel insurance for seniors over 70 years

Compare best travel insurance for seniors over 70 Years

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  • Fixed Benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

    Plan Details
    • Ideal for travelers outside their home country
    • $50,000 or $75,000 lifetime maximum
    • Does not cover acute onset of pre-existing condition for people over age 70
    • This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
    • This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
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    Plan Details
    • Very affordable fixed coverage.
    • Ideal for Non US citizens outside their home country.
    • This plan can be purchased for a minimum of 5 days and up to a maximum of 2 years.
    • Covers acute onset of pre-existing condition up to 69 years.
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    Plan details
    • Cheap travel insurance for non-us citizens traveling to the USA.
    • It is available for travelers of ages 14 days to 89 years.
    • Acute onset of pre-existing condition is covered up to policy maximum for ages up to 89 years.
    • Cardiac Conditions or Treatment $25,000 per Policy Period Limit up to age 69 at age 70, it is limited to $15,000.
    • Coinsurance the plan pays up to 80%
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    Maximum Coverage
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    Plan details
    • It is ideal for persons traveling to North America from other countries.
    • It is available for travelers of ages 50 to 89 years.
    • Cardiac Conditions or Treatment $25,000 per Policy Period Limit up to age 69 at age 70, it is limited to $15,000.
    • Safe Travels Elite Covid travel insurance covers medical expenses from Coronavirus.
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    Plan Details
    • Ideal for Non US citizens visiting USA.
    • The minimum period of coverage is 5 days, maximum is 364 days.
    • Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense
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    Eligibility
    • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
    Key Features
    • Full pre existing insurance with coverage for doctor appointments, blood tests, special care, urgent care and hospital stays.
    • Non US citizens and expats visiting the US are eligible for this plan.
    • Pre existing coverage of $20,000/$30,000/$40,000 and $60,000 are available for age 0-69 with deductible options of $1,000 and $5,000.
    • Pre existing coverage of $15,000/$25,000 for age 70 -99 with deductible options of $1,000 and $5,000 are available
    • Policy maximum options for the plan are $100,000 with deductible options of $250; $500; $1,000; $2,500; $5,000.
    • INF Premier plan Covid travel insurance covers medical expenses from Coronavirus.
    • The Premier plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
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    Maximum Coverage
    Deductible
    Pre-existing Ded
    IMPORTANT NOTE: Plan should be purchased for minimum 90 days
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    Eligibility
    • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
    Key Features
    • Non US citizens and US expats eligible for the plan.
    • Covers all age groups including above 80 for any new sickness and injury.
    • Policy maximum options of $50,000 and $100,000 are available.
    • Deductible options of $250; $500; $1,000; $2,500; $5,000 are available.
    • Standard plan Covid travel insurance covers medical expenses from Coronavirus.
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    Maximum Coverage
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  • Comprehensive plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

    Eligibility
    • 14 days to 89 years
    Plan Details
    • Available up to the age of 89 years
    • Available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
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    Maximum Coverage
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    Plan Details
    • Ideal for Non US citizens outside their home country
    • Covers acute onset of pre-existing condition up to overall maximum limit or $100,000, whichever is lower up to age 79. (excludes chronic and congenital conditions)
    • This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
    • This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
    Select Age
    Maximum Coverage
    Deductible
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    Plan Details
    • Plan is available for both US citizens and Non US citizens living abroad visiting the US.
    • $50,000 coverage per certificate period.
    • This plan can be renewed for up to 2 years.
    • Patriot America Lite offers coverage for adventure sports and other sports activities.
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    Maximum Coverage
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    Plan Details
    • Ideal for Non US citizens outside their home country
    • $50,000 coverage per certificate period
    • The acute onset of pre existing conditions coverage is available up to 70 years.
    • This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for travelers outside their home country and outside USA
    • $10,000 coverage per certificate period
    • Satisfies Schengen Visa Requirements
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for Non US residents to USA
    • Senior citizens aged 80 years and above are covered up to a maximum of $20,000
    • 24 months waiting period for pre-existing condition.
    • Diplomat Americal Covid travel insurance covers medical expenses from Coronavirus.
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    Plan Details
    • Ideal for US citizens and Non US citizens outside their home country
    • Senior citizens aged 80 years and above up to a maximum of $20,000
    • Covers Sudded Recurrence of a Pre-existing Conditions up to $2,500 for US Citizens only
    • Diplomat Longterm Covid travel insurance covers medical expenses from Coronavirus.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for US citizens travelling outside US
    • $50,000 coverage per certificate period
    • Satisfies Schengen Visa Requirements
    • The acute onset of pre existing conditions coverage is available up to 70 years.
    • This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for US citizens and US permanent residents travelling outside US
    • Must be qualified for Medicare, actively enrolled in Medicare Parts A & B
    • It require a separate application for individuals over 70 years
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for US citizens and Non US citizens
    • Covers pre-existing conditions up to $2,500
    • Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
    • This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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    Maximum Coverage
    Deductible
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    Plan Details
    • This plan is available for Non US residents and citizens traveling to the US.
    • Up to $2,500 for Acute onset of pre-existing conditions benefit only for Non-United States Residents in the United States.
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    Maximum Coverage
    Deductible
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    Eligibility
    • This plan is available for Non US residents and citizens traveling to the US.
    • The age availability is 14 days to 80+years.
    Key Features
    • Covers acute onset of pre-existing condition up to 79 years.
    • Up to $5,000 for Acute onset of pre-existing conditions benefit with cardiac condition and/or stroke.
    • Up to $7,500 for Acute onset of pre-existing conditions benefit other than cardiac condition and/or stroke.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for Non US citizens outside their home country to USA
    • $75,000 coverage per certificate period
    • Covers pre-existing conditions up to $2,500
    • Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for travelers travelling worldwide except USA
    • Covers acute onset of pre-existing condition up to overall maximum limit or $100,000, whichever is lower up to age 79. (excludes chronic and congenital conditions)
    • Satisfies Schengen Visa Requirements
    • This plan offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Covers travelers up to the age of 89 years.
    • Travelers on transit visa in US can also purchase this plan.
    • Safe Travels USA Covid travel insurance covers medical expenses from Coronavirus.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Foreign residents visiting USA and worldwide.
    • Travelers up to the age of 89 years.
    • Safe Travels USA Cost Saver offer excess medical coverage.
    • This plan is not available to greencard holders in the USA
    • This plan is not available to anyone over age 90.
    • Safe Travels USA Costsaver Covid travel insurance covers medical expenses from Coronavirus.
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    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for Non US citizens outside their home country to USA
    • The best travel medical insurance with high coverage limits.
    • Covers Acute Onset of pre-existing conditions up to overall maximum limit or $100,000, whichever is lower for age 70 to 79 years. (excludes chronic and congenital conditions)
    • This plan offers Emergency Quarantine Indemnity – Covid-19 $50 per day for the travelers are quarantined abroad for a maximum of 10 days.
    • This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
    Select Age
    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for US citizens travelling outside US
    • The best travel medical insurance with high coverage limits.
    • Covers pre-existing conditions up to overall maximum limit or $100,000, whichever is lower for age 70 to 79 years. (excludes chronic and congenital conditions)
    Select Age
    Maximum Coverage
    Deductible
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    Plan Details
    • Ideal for Non US citizens outside their home country to USA
    • $250,000 coverage per certificate period
    • Covers pre-existing conditions up to $2,500
    • Visit USA Covid insurance for USA offers coverage for coronavirus as a covered medical expense
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    Maximum Coverage
    Deductible
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    Plan Details
    • Full pre existing coverage plan for Non US citizens visiting the US including doctor appointments, blood work, special care, urgent care, hospital stays...
    • Pre existing conditions covered for maximum of $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Minimum purchase of at least 3 months is required.
    • Elite Plan Covid travel insurance covers medical expenses from Coronavirus.
    • The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
    Select Age
    Maximum Coverage
    Deductible
    IMPORTANT NOTE: Plan should be purchased for minimum 90 days
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    Eligibility
    • This plan is available for Non US citizens and the US citizen expatriates visiting the US.
    Key Features
    • Best coverage for travelers coming to the US and Canada.
    • Covers any new sickness and injury and is a comprehensive coverage for age of up to 99.
    • Policy maximum options of $75,000 is available with a deductibles $50; $100; $250; $500; $1,000; $2,500; $5,000.
    • INF Traveler USA Covid travel insurance covers medical expenses from Coronavirus.
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    Maximum Coverage
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    Eligibility
    • This plan is availble for visitors traveling from their home country to the U.S., Canada, and Mexico
    Key Features
    • It is a comprehensive benefit insurance plan.
    • This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
    • Maximum limits from $50,000 to $250,000.
    Select Age
    Maximum Coverage
    Deductible
    IMPORTANT NOTE: Plan should be purchased for minimum 90 days
    • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues, however there are certain exclusions to this benefit which we will look in this blog further.
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    Plan Details
    • Full pre existing coverage plan for Non US citizens visiting the US including doctor appointments, blood work, special care, urgent care, hospital stays...
    • Pre existing conditions covered for maximum of $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
    • Minimum purchase of at least 3 months is required.
    • Covers 90% of eligible medical expenses.
    • COVID-19 medically necessary testing & treatment covered as any other new sickness.
    Select Age
    Maximum Coverage
    Deductible
    IMPORTANT NOTE: Plan should be purchased for minimum 90 days
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Best travel insurance for the over 70s

Senior travelers find it difficult to get good travel insurance. We work with several different insurance providers, and have identified the following popular plans for older travelers. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.

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International travel insurance for older US citizens

US senior citizen travel insurance

Older US citizens more than 65 years traveling overseas must be aware of travel risk and importance of international travel insurance. These US older travelers should be aware that their local US health insurance plans including Medicare provide very little if any coverage outside the United States. The travel insurance plans offered here complement US domestic insurance plans including those actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan. These plans are secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the US only.

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Visitors Insurance for travelers - Forum

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Great Coverage of Pre-existing Conditions and covid19

Hi,
Hello, my wife and I are travelling to USA and we are looking for a travel insurance that covers pre-existing conditions. We would like to know what all ailments are covered under Pre Existing Diseases and what is the max amount covered for this. We are looking at INF Premier Plan or any other better plan that covers our
Thank you,
Vidut

Dear Vidut,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. If your visitor will be staying for three months or longer, you may want to consider a plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions.

The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). It is an 80/20 plan covering 80% while you pay 20% of expenses.For all information about the plan, go here:

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions. Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.

Another option is the same coverage for pre-existing conditions from a fixed plan. A fixed plan will pay a limited amount for each medical expense (it may not cover 100%), please see brochure for details. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age.

Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible. With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed). For all information about the plan, go here:

Please let us know if you have any further questions or concerns about this or other plans you may find on our website.

Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Pre-existing condition visitors insurance
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Coverage for persons with pre-existing conditions

Visitors to the US with pre-existing ailments need to review plans that provide them coverage for their medical ailments. The plans offered here provide such coverage.

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Visitor insurance with pre-existing coverage

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Greater Coverage for Pre-Existing Conditions for Older Travelers

Find the best pre-existing conditions coverage options possible for your travels or for your visitors!...

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Older travelers insurance - FAQs

1. Is there travel medical insurance for seniors over 70 from USA?

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

2. What’s the most important insurance coverage for senior travelers?

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

3. Can I find cheap travel insurance for seniors over 70?

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

4. How can I compare different travel medical insurance for seniors over 70?

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

  • The maximum medical coverage available for the age of the traveler
  • The cost of insurance and deductible and co-insurance expenses
  • The Preferred provider organisation (PPO) network of the insurance provider and user reviews
  • The coverage for pre-existing conditions and any exclusions and limitations of the policy
  • The customer assistance and emergency helpline of the insurer

5. How important is the visitors insurance for parents over 70?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

  • Medical expenses due to illness or injury
  • Trip cancellation or interruption due to unforeseen reasons
  • Loss or delay of baggage or personal belongings
  • Passport or travel document theft or loss
  • Emergency evacuation or repatriation
  • Legal liability or personal accident
  • Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

6. How much is travel insurance for 70 year old cost?

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

  • The age and health of the traveler (older the traveler, higher the cost)
  • The destination and duration of your trip (cost in US is most expensive)
  • The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance with pre-existing conditions coverage.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of look back period for coverage of pre-existing conditions.
  4. Consider buying an US travel health insurance plan with higher medical coverage.
  5. Keep a copy of your medical records and list of medications when you travel.
  6. Take your Doctor's prescription and medications during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US traveler insurance provider immediately in case of a medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best visitors insurance with parents visiting USA?

The best US visitors insurance with parents visiting USA is listed here :

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute onset of pre-existing conditions up to 70 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Travel Insurance for US seniors

Trip cancellation insurance for US seniors

Trip cancellation insurance is very important for seniors as it provides protection for the non-refundable cost of the trip as well as the health of the US senior citizens. The non-refundable expenses includes cost of hotel bookings, air tickets, rail and cruise ticket expenses ... Travel protection insurance for seniors can also include coverage for sports equipment like Golf or Ski equipment and car rental, however these are sometime add-on benefits and not part of the basic plan. Travel insurance for seniors include protection from unexpected expenses such as damaged, stolen, lost or delayed baggage.

US seniors find Trip cancellation insurance very useful for expensive vacations, especially if it involves international travel. Some cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best senior cruise travel insurance plans. US domestic health insurance plans will not offer coverage for trip expenses and health of the traveler when they are outside US borders. US seniors can compare and buy trip cancellation coverage.

Trip insurance with Cancel for any reason coverage

While some US seniors travel insurance plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. However one must buy the 'cancel for any reason' as an add on option. There are different reasons why one would cancel their trip. Trip cancellation insurance has a list of legitimate reasons for cancelling a trip which are covered under the trip cancellation benefit. The Cancel for any reason benefit is an add-on benefit and would offer coverage for canceling the journey for any reason and it will refund up to 75% of the non-refundable trip expenses.

International travel insurance for US seniors with Medicare Coverage

Many US Seniors who are retirees travel around the world on holidays. Most US seniors have Medicare and since Medicare is an US federal health insurance program for senior citizens over 65 years, it will not offer medical coverage outside the US except when they are on cruise with the waters connecting the US states. International travel insurance for Medicare recipients is important and US senior citizens must be well informed about the international travel insurance coverage limitations of Medicare while outside the US. US seniors who rely on Medicare and travel internationally should buy supplemental travel medical insurance.

Travel insurance for over 70s - information

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Older traveler insurance resources

International travel insurance resources for senior citizen travelers while visiting the US.

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Factors for older traveler insurance online

Important factors while deciding on the best travel insurance for older travelers.

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Types of older traveler insurance online

Understanding different insurance types of older traveler insurance plans online.

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Older traveler insurance Claims Procedure

Older traveler insurance online claims process for getting medical care in a hospital.

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