Do seniors over 75 need travel insurance when visiting the US?
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.
What are the types of visitor health insurance for seniors over 75?
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 |
Which is the cheapest travel insurance for over 75s?
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.
$61 Per month
Age: 75 years | Plan: $25,000 | Deductible: $0
- Available up to 89 years
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option is $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
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$68 Per month
Age: 75 years | Plan: $25,000 | Deductible: $100
- Available up to 99 years
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options are $100, $200
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
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$69 Per month
Age: 75 years | Plan: $25,000 | Deductible: $50
- For ages 14 days to 99 years
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options are $50, $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
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How much does travel insurance cost for 75 year olds per month?
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.
How much does cheapest travel medical insurance over 75 cost?
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 |
How much does the best comprehensive travel insurance for over 75 cost?
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®
How much does 3-month travel insurance for seniors 75 and older cost?
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.
How much does 6 month insurance for elderly travelers to USA cost?
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!
What factors affect the cost of travel insurance for seniors over 75 years?
The cost of travel insurance for seniors over 75 years which focuses on the health of the traveler depends on factors such as:
- Age of the traveler: For elderly travelers above 75, the cost of insurance tends to be higher due to increased health risks associated with age.
- Maximum medical coverage limit: Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) will generally cost more.
- Co-insurance and deductible options: Plans with higher deductibles usually have lower premiums, but you'll need to pay more out of pocket if you file a claim.
- Length of the coverage: The longer the trip, the more expensive the policy.
- Coverage for pre-existing conditions: Choosing a plan that covers pre-existing conditions adds to the cost which is important for older travelers.
- Optional add-on benefits: Additional benefits such as hazardous sports or adventure activities, coverage for pre-existing conditions, dental coverage and rental car damage will add to the overall cost.
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.
What are the benefits covered in travel insurance for 75+ seniors?
- Emergency medical expenses: Covers unexpected illness or injury, including hospitalization, doctor visits, tests, and prescriptions drugs, with coverage usually available for between $25,000 and $250,000 or beyond.
- Acute onset of pre-existing conditions: Many plans offer limited coverage for sudden recurrence of pre-existing conditions (if stable for a defined period), important for seniors with diabetes, hypertension, or heart disease.
- Emergency medical evacuation: Covers transportation to the nearest facility for serious emergencies, or without insurance it would cost over $50,000.
- Repartition of remains: Pays for the repatriation expenses back to home country in the event of the death of the traveler for any reason.
- 24/7 assistance services: Multilingual support to assist with locating hospitals, setting appointments, or getting in touch with family members in emergency circumstances.
- Cashless hospitalization: For seniors over 75, comprehensive plans with PPO networks offer cashless hospitalization through direct billing at in-network U.S. hospitals.
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!.
What is pre-authorization in travel insurance?
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.
Can I extend or renew my travel insurance plan if I’m over 75?
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.
How to choose the best travel insurance for over 75 years old?
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.
- Coverage limits: Choose a plan with a sufficient coverage limit at least $100,000 to $500,000 is recommended for emergency medical expenses and $250,000 for medical evacuation. Also ensure it includes hospitalization, surgeries and physician visits.
- Coverage for pre-existing conditions: If you have any pre-existing medical conditions, check if the plan covers acute onset of these conditions. Some insurers offer limited coverage for sudden and unexpected flare-ups.
- Emergency medical evacuation & repatriation: Make sure travel medical insurance for elderly travelers above 75 covers emergency evacuation to the nearest suitable facility or repatriation home if needed, ensuring protection in case of severe illness or injury.
- Deductibles: Check the deductible amount you must pay out of pocket before the insurance kicks in. A lower deductible means fewer upfront expenses, but it might come with a slightly higher premium.
- PPO network access: Some comprehensive plans access with a network of hospitals that offer cashless or direct billing services. This can be helpful in avoiding large out-of-pocket expenses during emergencies.
- Trip length: It's important to choose a plan that covers the entire duration of your trip. Most plans allow options for renewals or extensions if needed.
- Adventure sports or high-risk activities: If you plan on skiing, hiking, or other high-risk activities, make sure the plan covers hazardous sports or offers an optional rider.
- 24/7 assistance: Most important aspect, is ensuring access to emergency assistance, in order to locate medical facilities, arranging transport.
Can seniors over 75 get travel insurance with pre-existing conditions?
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:
- Visit USA standard from Travel Insure offers coverage for the 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.
- Safe Travels USA Comprehensive from Trawick international offers acute on set of pre-existing conditions up to 89 years
- Visitor Protect from IMG covers temporary medical coverage with pre-existing conditions up to 99 years, but minimum purchase is 3 months for this plan. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the pre-existing condition.
- INF insurance however has the INF Elite insurance plan which cover pre-existing conditions going beyond the acute onset coverage.
- SafeVista Comprehensive insurance plan form INF is ideal for seniors over 75 years. This plan offers medical coverage up to $100,000. SafeVista insurance covers acute on set of pre-existing conditions up to policy maximum for ages up to 99 years. The plan is also flexible, with a minimum purchase requirement of only 10 days.
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.
Can I buy travel insurance for acute onset of pre-existing conditions?
How do you handle international travel medical insurance for pre-existing chronic conditions?
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).
Travel health insurance for elderly immigrants in the USA
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.
International travel insurance for seniors over 75 FAQ’s
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.
There are some good travel insurance who offer pre-existing condition insurance plan for seniors over 75 years. We have these exciting options with an exceptionally high maximum (for this age group of 75-79 years) amount.
SafeVista Comprehensive is the best plan for seniors with pre-existing conditions. This plan offers acute on set of pre-existing conditions up to policy maximum. With a minimum purchase of just 10 days.
INF Elite Network is a comprehensive plan pre existing coverage available with a maximum of $20,000 for age 75 years and over with a pre existing deductible of $1,500. The plan must be purchased for at least 3 months.(Please note that the pre existing deductible is apart from the deductible chosen on the plan).
INF Premier Plan is a fixed benefit plan pre existing coverage available with a maximum are covered up to $15,000/$25,000 for age 75 years and above with a pre existing deductible of $1000/$5000.(Please note that the pre existing deductible is apart from the deductible chosen on the plan).
Atlas America Insurance is a comprehensive plan offers maximums of $50,000 and $100,000; deductibles of $0, $100, $250, $500, $1,000, $2,500, and $5,000; and acute onset of pre-existing coverage up to plan maximum
Safe Travels USA Comprehensive is a comprehensive plan offers maximums of $50,000 or $100,000; deductibles of $0, $50, $100, $250, $500, $1,000, $2,500, and $5,000; and acute onset of pre-existing coverage up to $35,000 and only $15,000 for cardiac disease
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:
- 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.
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:
- 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
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.
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Senior citizen travel insurance for Americans above 75
Why should I buy travel insurance for US seniors?
Should Seniors buy trip cancellation insurance?
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.
Is it worth buying trip insurance with cancel for any reason?
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.
Do US seniors with Medicare need travel insurance?
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.
How much does international travel insurance for 70+ seniors cost?
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®
How do I buy international travel insurance for US seniors?
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.
Which is the best travel insurance for US seniors on Medicare?
Best travel medical insurance for seniors on Medicare
GlobeHopper Senior insurance
Globehopper 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
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.
What are the best annual multi trip travel insurance for over 75?
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:
- Safe Travels annual insurance: Offers plans for travelers up to 81 years old and has three tiers of coverage for annual multi-trip travel insurance.
- Voyager Annual Insurance: Voyager Annual provides year-round protection for travelers up to age 99, covering trips up to 90 days each, including baggage loss, medical expenses, and emergency evacuation.
- IMG GlobeHopper Senior Multi-trip: This plan is available for US citizens and permanent residents aged 65 and older who are qualified for Medicare and are traveling outside the US. It covers multiple trips for 30 or 45 days, and it provides $1,000,000 medical coverage for travelers up to age 79, and $100,000 for ages 80-99.
- GeoBlue Trekker Choice: Provides $100,000 of medical coverage for US citizens and residents aged 70-95 and $1,000,000 for insureds up to age 69. There is also no limit on the number of trips in a 364-day period.
What are the exclusions in travel insurance for over 75?
Some of the common exclusions in travel insurance for over 75 are:
- Substance abuse: Expenses that are incurred due to alcohol/drug abuse by the insured are not covered.
- Routine check-up and preventive care: Health insurance for tourists in USA plans do not cover routine check-ups and preventive care.
- Self-Inflicted injury: Any kind of injury that is intentionally attempted on one's self such as suicide attempt and others and the consequential hospitalization and expenses will not be covered.
- Illegal instances: The expenses incurred out of any kind of accident or injury arising by breaching the law and regulations of the foreign country will not be covered.
- War zones or high-risk countries: Coverage may be voided for travel to high-risk areas, for example travel to areas where the government issues travel warnings (e.g. active conflict zones).
- Adventure or high-risk activities: Most plans exclude coverage for activities like skiing, scuba diving, zip-lining, or mountaineering unless an adventure sports rider is added.
Travel medical insurance for over 70s
Senior travel insurance USA reviews
"Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I wanted."
Sachin Mathur
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Charlotte
"Thank you for your prompt response. Your prompt response will be highly appreciated."
Shelie
