The best US travel insurance for 75+ years cost ranges from $235 to $780 per month. These are comprehensive plans and even offer some coverage for pre-existing conditions. Over 75 seniors travel insurance do not have benefit limits based on the type of medical expense and benefits for covered medical expenses go up to the plan maximum.
Max Coverage
Coverage available from $25,000 to $100,000
PPO network
Through First health care network
Pre-existing condition
Not Available
Period of Coverage
5 days 365 days and renewable up to 2 years
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care Clinic
$200 max per visit
Prescription
$250 per coverage period
Chemotherapy
$1,350 max per visit
Evacuation
Maximum limit 50K
Max Coverage
$50,000 and $75,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Not Available
Period of Coverage
Available for 364 days, travelers who wish to get extended coverage can renew Visitor Secure insurance online
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period
Prescription Drugs
$300 maximum
Private duty nurse
$700 maximum
Repatriation
$25K per member
Evacuation
50K lifetime maximum
Max Coverage
Coverage available from $25,000 to $150,000
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Evacuation
Unlimited
Repatriation
Up to $25k per Policy Period
Cardiac Conditions
Covered
Dental Treatment
$750 per Incident
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
$250 per Incident
Chemotherapy
$1,100 per Incident
Evacuation
$50,000
Repatriation
$7,500 per Policy Period
Max Coverage
$25,000 and $150,000 coverage’s are available
PPO network
Does not belong to any ppo network
Pre-existing condition
Acute on set of pre-existing conditions covered up to 70 years
Period of Coverage
Coverage available from 5 days to 12 months
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Well Doctor Visit
$250 for one visit, max visit 30 days
Urgent Care
$150 per visit
Medical Evacuation
$100,000
Repatriation
Up to $25,000
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
Up to $200 per period of coverage
Surgery
Up to $3,000
Medical Evacuation
$100,000
Emergency dental
up to $500
Anesthetist
Up to $500
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through First health care network
Acute on set of pre-existing condition
Covers up to $35,000
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
$30 per Incident
Physiotherapy
Limited to $50 per visit
Trip Interruption
$5K
Evacuation
100% up to $2M
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
Up to $15 co-payment
Lost or Stolen Passport
Up to 100
Trip Interruption
Up to $10K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Not available
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
$25 copay
Walk-In Clinic
$15 copay
Chiropractic Care
Up to the maximum limit
Emergency reunion
$100k maximum limit
Evacuation
Up to the maximum limit
Max Coverage
$50,000 coverage is available
PPO network
Does not belong to any ppo network
Pre-existing condition
Exclusion after 24 months waiting period
Period of Coverage
15 days to 364 days, not renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
80% of first $5k, then 100%
Loss of Baggage
$50 per article, max $250
Trip Interruption
Covers up to $5K
Evacuation
Covers up to $250K
Max Coverage
$100,000 coverage is available
PPO network
Through United Healthcare network
Acute on set of pre-existing condition
Covers acute on set of pre-existing conditions up to 99 years
Period of Coverage
Coverage for minimum of 10 days up to 364 days and it can be renewable
Cancellation
Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new
Chemotherapy
Covered
Physiotherapy
$50 per visit, max $500
Repatriation
Covers up to $10k
Evacuation
Covers up to $25K
Max Coverage
$75,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Up to $20K with a $1.5K deductible
Period of Coverage
Coverage for minimum of 90 days up to 364 days and it can be renewable
Cancellation
Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new
Chemotherapy
Covered
Physiotherapy
$50 per visit, max $500
Repatriation
Covers up to $20k
Evacuation
Covers up to $25K
Max Coverage
$50,000 coverage is available
PPO network
Through United Healthcare network
Pre-existing condition
Up to $20K with a $1.5K deductible
Period of Coverage
90 days up to 364 days and it cannot be extended
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Emergency dental
Up to $300
Emergency reunion
$100K maximum limit
Urgent Care Clinic
Up to $50 copay
Evacuation
Up to $25K maximum limit
Max Coverage
$50,000 to $1,000,000 coverage is available
PPO network
Does not belong to any ppo network
Pre-existing condition
Covers acute on set of pre-existing conditions up to 70 years
Period of Coverage
5 days to 12 months and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Emergency dental
Up to $300
Emergency reunion
$100,000 maximum
Urgent Care Clinic
Up to $30 copay
Evacuation
Up to $1,000,000
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
90 days up to 364 days and it cannot be extended
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Emergency dental
up to $250
Home health care
Up to policy maximum
Urgent Care Clinic
Up to $30 copay
Evacuation
Up to $250,000
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through First health care network
Pre-existing condition
Covers unexpected recurrence of pre-existing conditions up to $1,000
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Cardiac conditions
Covered
Dental Treatment
$500 per Policy Period
Trip Interruption
$7500
Evacuation
100% up to $2M
Max Coverage
50,000 and $100,000 coverage’s are available
PPO network
Through First health care network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
Up to $15 co-payment
Lost or Stolen Passport
Up to $100
Trip Interruption
Up to $10K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 coverage is available
PPO network
Plan is part of IPA(MG's proprietary International Provider Access)
Pre-existing condition
Not Covered
Period of Coverage
5 days to 364 days and it can be renewed up to 24 months
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
$25 copay
Walk-In Clinic
$15 copay
Chiropractic Care
Up to the maximum limit
Emergency reunion
$25K per member
Evacuation
Up to the maximum limit
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through United Healthcare network
Acute on set of pre-existing condition
Covers up to $5K
Period of Coverage
5 days to 364 days, cannot be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care
Up to $50 co-payment
Emergency Dental
Up to $2K
Repatriation
Covers up to $50K
Evacuation
Covers up to $500K
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
Through United Healthcare network
Pre-existing condition
Acute on set of pre-existing conditions is covered up to policy maximum
Period of Coverage
Available up to 364 days and it can be renewable
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent care
Up to $15 co-payment
Lost or Stolen Passport
Up to $100
Trip Interruption
Up to $15K
Evacuation
$1M lifetime maximum
Max Coverage
$50,000 and $100,000 covreages are available
PPO network
Plan is part of IPA(MG's proprietary International Provider Access)
Pre-existing condition
Covers recurrence of pre-existing condition up to $2,500
Period of Coverage
Coverage up to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium.
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
Up to the plan maximum limit
Emergency eye examination
$150 maximum limit
Political evacuation
$50k maximum limit
Evacuation
$250k maximum limit
Max Coverage
$50,000 and $100,000 coverage’s are available
PPO network
This plan is part of First Healthcare network
Pre-existing condition
Pre-existing conditions are covered after 6 months of waiting period
Period of Coverage
Coverage available from 1 day to 180 days and it can be renewed
Cancellation
100% refund for plans cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date received
Trip Interruption
up to $7,500
Trip Delay
$2,000 ($150 per day) (12 hours)
Repatriation
$50,000
Evacuation
$500,000
The United States is known as a nation of immigrants, welcoming people from around the world. These new immigrants in the US retain strong ties with family back in their native countries. It is no surprise therefore that several parents often visit their children and grand-children in the US.
For elderly parents, particularly for those over 75, traveling to the U.S. can be both exciting and challenging. Traveling to the US involves changes in cuisine, weather patterns along with the initial long travel across different time zones. All of this adds to the vulnerability of older tourists and the need for good health care.
Along with these challenges, covid still poses travel and health related risks, particularly for senior travelers. The U.S. healthcare system is one of the most expensive in the world, and without proper insurance, even a short hospital stay can result in tens of thousands of dollars in bills. The common ailments that elderly international travelers suffer are heart attacks (myocardial infarction), strokes, and fractures such as broken hips or limbs. Even a routine physician visit is very expensive in the US, making travel insurance for 75 years plus is essential.
Senior traveling to the US, as tourists for an extended stay should not relay on the domestic health insurance as it offers limited or no coverage outside their home country. It is highly recommended to buy international travel insurance for 75+ seniors that offers high medical coverage limits, emergency medical evacuation and coverage for acute onset of pre-existing conditions.
Senior travelers can select between the two main visitor health insurance plans i.e. fixed benefit and comprehensive Plans. Understanding the differences can help you select a plan that reflects your coverage needs and budget. Compare fixed benefit vs comprehensive insurance for seniors over 75 years.
Feature | Fixed Benefit visitors insurance | Comprehensive visitors insurance |
---|---|---|
Cost | Affordable with lower premiums | Higher premiums due to broader coverage |
Coverage | Pays a fixed amount per service (e.g., doctor visits or hospital stays). | Covers medical expenses up to the policy maximum |
Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, for better upfront protection |
PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates and direct billing |
Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | While some plans offer pre-existing coverage, some offer acute onset of pre-existing condition coverage |
Payment method | Usually requires upfront payment and then reimbursement from the insurer | Allows direct billing(cashless), reduces out-of-pockets costs |
Recommended for | Healthy travelers on short visits seeking low-cost basic coverage. | Seniors over 75 needing extensive coverage and direct billing |
Finding the cheapest travel insurance for people over 75 can be challenging due to higher premiums associated with increased age and potential health risks. It is advisable to shop around Comparing quotes and coverage limits can help you find cheaper options. The cheap travel insurance plans however have limited coverage and travellers over 75 years can find this too constraining for serious medical ailments involving hospitalization. Given that 75+ years travelers are buying visitor insurance not for small ailments but for more serious situations involving hospitalization, comprehensive visitors insurance is recommended especially while traveling to the US.
The cheapest over 75 years travel insurance visiting the USA is Safe Travels Advantage. Other affordable travel insurance for over 75 years are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Age: 75 years | Plan: $25,000 | Deductible: $0
Age: 75 years | Plan: $25,000 | Deductible: $100
On average, travel insurance for 75 year old cost per month for USA can range from $61 to $792 or more for a single trip. The cost of travel insurance focused on health depends on several factors, including the traveler's age and health (older the traveler, higher the cost), the destination and duration of the trip (insurance for travel to the U.S. is typically more expensive), the level of medical coverage selected (higher coverage increases the cost), the deductible and co-insurance options, and any additional benefits like coverage for pre-existing conditions, which can raise the premium.
The cost of cheapest travel medical insurance over 75 starts at $61 to $155 per month for fixed benefit plans. Following is the cost of visitor insurance for 75 years old per month.
Insurance Plans | Policy maximum | Deductible | Cost |
---|---|---|---|
Safe Travels Advantage Trawick International | $25,000 - $150,000 | $0 | $61 - $166 |
Venbrook Essential Venbrook International | $25,000 - $100,000 | $100 | $68 - $147 |
Visitors Care IMG | $25,000 - $100,000 | $50 | $69 - $153 |
VisitorSecure WorldTrips | $50,000 - $75,000 | $100 | $96 - $139 |
Safe Travels Elite Trawick International | $50,000 - $100,000 | $100 | $109 - $155 |
Travel Medical USA Visitor Basic Seven Corners | $50,000 - $100,000 | $100 | $109 - $155 |
The best comprehensive travel medical insurance for seniors over 75 cost ranges from $235 to $780 per month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive.
Below are the monthly costs of the best medical insurance plans for seniors over 75 years old, based on a $250 deductible.
Insurance Plans | Policy maximum | Cost |
---|---|---|
Venbrook Premier Venbrook International | $50,000 - $100,000 | $235 - $291 |
Outreach America IMG | $50,000 | $297 |
Safe Travels USA Trawick International | $50,000 - $100,000 | $252 - $332 |
Patriot America Plus IMG | $50,000 - $100,000 | $289 - $434 |
Safe Travels USA Comprehensive Trawick International | $50,000 - $100,000 | $294 - $470 |
SafeVista Comprehensive INF | $100,000 | $320 |
Venbrook Premier Venbrook International | $50,000 - $100,000 | $352 - $437 |
Atlas America WorldTrips | $50,000 - $100,000 | $355 - $444 |
Diplomat America Global Underwriters | $50,000 | $403 |
Visit USA Superior Travel Insure | $100,000 | $417 |
Travel Medical Choice Seven Corners | $50,000 - $100,000 | $760 - $1,033 |
Patriot America Platinum IMG | $100,000 | $780 |
Source: American Visitor Insurance®
The average cost of 3-month travel insurance for 75-year-old seniors visiting the USA starts at $1,230 and may go up to $2,962 depending on the coverage, deductible, and benefits selected. These plans require a minimum purchase of 3 months.
Plan name | Maximum coverage | Deductible | Cost |
---|---|---|---|
INF Premier INF | $100,000 | $250 | $1,230 |
Visitors Protect IMG | $50,000 | $500 | $2,295 |
INF Elite INF | $75,000 | $500 | $2,962 |
INF Elite Plus INF | $75,000 | $500 | $3,567 |
For a 75 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $364 to $4,655, depending on the coverage amount, deductible, and whether the plan includes acute onset of pre-existing condition coverage. On American Visitor Insurance, seniors can easily compare and buy the best 6 month USA travel insurance that is affordable, reliable and allows the older travelers stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
The cost of travel insurance for seniors over 75 years which focuses on the health of the traveler depends on factors such as:
However, travel insurance premiums for seniors tend to be higher due to increased risk factors associated with age. It is advisable to obtain quotes on American Visitor Insurance from multiple insurance providers that specialize in travel insurance for seniors to get a better idea of the cost. By providing specific details about the trip and coverage needs, insurance providers can provide more accurate cost estimates for best travel insurance for the over 75s individual.
Comprehensive visitor insurance plans like Patriot America Plus, Safe Travels USA Comprehensive, and Atlas America provide access to PPO networks, including UnitedHealthcare and First Healthcare PPO. These networks allow cashless hospitalization, so seniors can have medical treatment without having to pay large amounts before they actually receive the services they need, which helps to reduce financial stress in stressful medical situation.
Some seniors travel insurance over 75 plans offer optional add-on benefits such as adventure sports, accidental death & dismemberment (AD&D) and wellness visit or telemedicine access. Elderly travelers can compare and buy travel insurance plans for seniors over 75s at American Visitor Insurance for more details please call at (877)-340-7910 and one of our licensed agents will be glad to help you!.
Getting prior approval or a sanction letter by the travel insurance provider to start the treatment is called the pre-authorization for medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices will inform the insurance provider and get a pre-approval.
In a case the insured is using an out-network provider the insured will need to notify the insurance provider to get pre-approval or pay and then apply for a reimbursement. This can be stressful for older travelers to organize all the needed paper work. Treatments that involve hospitalization, most Surgery, Prescription of drugs, appointments with doctor for behavioural, physical, … would require pre approvals from the insurance provider.
Not all travel insurance plans are renewable, so check on the renewal of the travel insurance plans. Many travel insurance plans for senior travelers aged 75 years can be extended based on their requirements. When the travel insurance plan is extended, the deductible is usually reset.
Older travelers can make an informed decision by comparing several plans on American Visitor Insurance to find the best over 75s travel insurance that fits your needs best. Older travelers can review the below key factors while buying insurance for USA.
Pre-existing condition is the most important element for parents travelling to the US. Any medical ailment that existed before the start of the travel insurance cover is considered as a pre-existing condition. Travelers with pre-existing conditions find it difficult and confused to buy travel insurance. Most travel insurers provide coverage only for acute onset of a pre-existing condition. Acute onset of pre-existing condition is sudden lapse of pre-existing condition without advance warning.
This usually requires medical attention within 24 hours and is most common amongst the older travelers. Pre-existing condition coverage has a "look back" period typically between 60-180 days to determine the claim. Some insurance providers offer coverage for acute onset of pre existing coverage for above 75 years however with fixed limit. The travel insurance providers will have their terms and conditions for the pre-existing conditions coverage in the policy brochure.
Some best comprehensive travel insurance for seniors over 75 are:
It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision
Some cheap travel insurance for seniors over 75 like Safe Travels Advantage, Safe Travels Elite Diamond fixed plans offers coverage for the acute onset of a pre-existing conditions up to 89 years and INF Premier plan offers full pre-existing conditions up to 99 years with minimum purchase of 90 days.
Visitor travel health insurance plans never cover regular, required medical care for a chronic condition. For example, if a traveler takes medication regularly or requires treatment like dialysis, those things will have to be paid for out of pocket by the traveler and should be calculated into the cost of their trip. If medications are lost or stolen and need to be replace, that will require a doctor visit to get a prescription and then the purchase at the pharmacy all of which would have to be paid for by the insured.
If the concern is for a sudden, unexpected flare up with a chronic, pre-existing condition, then there are a few plans which will cover that, but they are quite expensive and must be purchased for at least 90 days. Note also, that those plans also must be purchased BEFORE the travel begins and cover only travel to the US (some include Canada and Mexico).
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
Senior citizen travelers above 75 years can use our user compare travel insurance tool to find the best holiday insurance over 75 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 75 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 75+ years as per their requirements. Please know we are here to help you make the best, informed decision to get travel medical insurance for 75 years and above! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Yes, as a 75 year old, you can absolutely buy a travel insurance plans for seniors. Most travel insurance providers offer policies tailored specifically for older travelers, including those in their 75s.
The age criteria to buy travel insurance depends on the company and the type of travel health insurance the elderly travelers are looking for. Many US travel health insurance plans for senior citizens do not have a cut off age, but some do or they reduce the coverage available for older travelers, ie the plan maximum for older travelers will be low as the age of traveler increases. Senior citizens may also find travel insurance with plan maximum of $50,000 or less, however they may still find something appropriate for their situation.
Senior travel insurance above 75 years is for unexpected medical expenses while on their trip. Some US travel insurance for old visitors plans also cover acute onset of pre-existing conditions, baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, older travelers can use any doctor/hospital. In a non-emergency situation, they should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray their out-of-pocket cost.
Above 75years older traveler insurance is only for unexpected medical problems like illness or injuries while on a trip. Most medical insurance for seniors over 75 years do not cover preventive care or vaccinations.
Older Tourists aged 75 years and above can use Urgent Care clinics, make appointments at a doctor's office or go the hospital, if needed. However, seniors will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US senior tourist health insurance plan for the duration of their stay.
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:
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.
Older travelers can easily compare different travel insurance over 75 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:
Yes, seniors aged 75 and older can get international travel insurance for trips to the USA. Some policies may have age limitations while many providers specialize in covering older travelers. Some insurance providers even go up to 99 years of age. However, premiums will most likely be higher and maximum benefit amounts may be lower for older travelers because of increased risk factors.
For seniors aged over 75, the maximum benefits usually range from $25,000 to $100,000 depending on the insurance provider and the plan that was chosen. Safe Travels USA Comprehensive from Trawick International, SafeVista Comprehensive from INF and Atlas Travel Medical insurance plans from WorldTrips provide up to $100,000 in coverage.
Find out the best insurance for your budget and needs
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Know more »Compare the best travel insurance plan for your needs
Know more »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.
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.
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.
The travel insurance cost for 75 year olds outside USA ranges between $93 to $398 per month, depends on factors such as age of the traveler (older the traveler, higher the cost), destination, trip duration and the level of medical coverage selected.
The average cost of travel insurance for visitors is based on quotes for a 75-year-old for one month.
Insurance Plans | Policy maximum | Deductible | Cost |
---|---|---|---|
VisitorSecure WorldTrips | $50,000 | $100 | $93 |
Atlas Essential International WorldTrips | $50,000 | $250 | $151 |
Intermedical Travel Insure | $50,000 | $250 | $195 |
Atlas International WorldTrips | $50,000 | $250 | $205 |
Patriot International Lite IMG | $50,000 | $250 | $207 |
Voyager Essential Geoblue | $50,000 | $250 | $226 |
Globehopper senior IMG | $50,000 | $250 | $232 |
Safe Travels Outbound Trawick | $50,000 | $250 | $286 |
Atlas Premium International WorldTrips | $50,000 | $250 | $287 |
Safe Travels International Trawick | $50,000 | $250 | $398 |
Source: American Visitor 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.
International Medicare coverage for US citizen Senior citizen travel insurance for US citizensGlobehopper Senior insurance offered by International Medical Group (IMG) is a travel health insurance is avaiable for US citizens and US permanent residents 65 years and older Qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan, This plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan and provides coverage for medical expenses outside the U.S. only.
The GlobeHopper Senior plan offers two options:
GlobeHopper senior insurance plan is highly popular due to its extensive coverage, offering up to $1 million for travelers under age of 79 years old and $100,000 those 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
Intermedical Insurance from Travel Insure is an affordable international travel health insurance for US citizens. It offers coverage for medical and evacuation expenses for short trips. It is available up to 12 months.
Atlas multi trip annual insurance offers year-round medical coverage for frequent international travelers, covering multiple trips of up to 30 or 45 days each, ideal for business professionals.
Best annual multi trip travel insurance for over 75 plans are:
Some of the common exclusions in travel insurance for over 75 are:
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International travel insurance resources for senior citizen travelers while visiting the US.
Explore »Important factors while deciding on the best travel insurance for older travelers.
Explore »Understanding different insurance types of older traveler insurance plans online.
Explore »Older traveler insurance online claims process for getting medical care in a hospital.
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