Which Is the Best Travel Insurance for Japanese Seniors Visiting the USA?
*Prices vary by age, travel duration, and coverage options.
What Are the Entry Requirements for Japanese Seniors Visiting the USA?
Japanese seniors can visit the United States for tourism for up to 90 days without a visa under the Visa Waiver Program by obtaining approval through the Electronic System for Travel Authorization (ESTA) before departure.
ESTA is typically valid for two years or until the passport expires, and visitors must have a valid biometric (e-passport).
Although insurance is not mandatory, purchasing travel medical insurance is strongly advised due to the high cost of healthcare in the United States.
Do Japanese Seniors Need Travel Insurance for the USA?
Yes. Visitor insurance for Japanese seniors is not required for entry, but it is strongly recommended while visiting the USA. Healthcare in the U.S. is among the most expensive in the world, and Japanese domestic health insurance plans are generally not accepted at American hospitals. This means seniors may have to pay medical bills completely out of pocket.
- Doctor visit: costs between $150 - $300 +
- Emergency room visit: $2,000 - $5,000+
- Hospital stay: costs more than $10,000 for per day treatment
- Surgery or serious treatment: $25,000 or more
Without insurance, these expenses can create unexpected financial stress during your vacation. A comprehensive USA visitor insurance from Japan protects seniors by covering hospital care, emergencies, and medical evacuation.
Through American Visitor Insurance, senior travelers can compare top-rated holiday insurance for elderly plans designed particularly for seniors, including coverage for pre-existing conditions, higher age limits, and affordable pricing.
What Are the Types of US Senior Travel Insurance from Japan?
| Feature |
Fixed Benefit visitors insurance |
Comprehensive visitors insurance |
| Cost |
Affordable with lower premiums |
More expensive due to extensive coverage |
| Coverage |
Fixed amount per benefit limited or coverage under certain conditions |
Benefits for covered medical expenses up to the plan maximum |
| Deductibles |
Usually higher deductibles for lower cost |
Often lower deductibles, more coverage |
| Flexibility |
Offer flexibility in choosing doctors and hospitals within a PPO network |
Limited flexibility in choosing doctors and hospitals |
| Pre-existing Conditions Coverage |
Not all plans offer coverage. Some offer coverage up to a specified limit |
Some plans offer coverage, while others only for acute onset of pre-existing conditions |
| Recommended For |
Budget-conscious travelers who only need basic coverage |
Travelers who want comprehensive coverage for any medical needs |
What Travel Insurance Coverage Is Recommended for Japanese Seniors Visiting the USA?
Travel insurance is not mandatory for Japanese seniors entering the United States under the Visa Waiver Program. However, because healthcare in the United States is extremely expensive, having adequate coverage is strongly recommended.
Here’s the minimum coverage seniors should consider for safe travel:
| Coverage Type |
Recommended Minimum |
Why It's Important for Seniors |
| Emergency Medical |
$100,000–$500,000+ |
Covers doctor/hospital costs; US bills add up quickly. |
| Emergency Medical Evacuation |
$250,000–$1,000,000 |
Transport to better facility or repatriation to Japan. |
| Repatriation of Remains |
Included |
Returns remains to Japan if the worst happens. |
| Acute Onset of Pre-Existing Conditions |
Up to policy max (age-dependent) |
Many seniors have chronic issues; coverage for sudden attacks. |
| Deductible |
$0–$500 |
Lower deductibles reduce out-of-pocket costs. |
Proof of insurance is not required for ESTA travel, but carrying coverage ensures you avoid large out-of-pocket medical bills during your trip.
Travel Insurance with Pre-Existing Conditions Coverage for Seniors
Many Japanese seniors traveling to the USA have diabetes, heart conditions, blood pressure issues, or other chronic illnesses. Without proper insurance, treatment for these conditions in the U.S. can be extremely expensive
Most visitor insurance plans do not cover full pre-existing conditions, but many plans provide coverage for the acute onset of pre-existing conditions.
"Acute onset" means a sudden, unexpected, life-threatening flare-up that requires immediate medical care and cannot wait until you return to Japan.
Several senior-friendly travel insurance for Japanese residents plans available through American Visitor Insurance include this benefit:
- Patriot America Plus - Covers acute onset up to the policy maximum for travelers under age 70.
- Atlas America - Covers acute onset with strong medical limits.
- INF Premier X - Includes broader pre-existing condition benefits for seniors up to age 99
Always declare medical conditions honestly and purchase coverage early to qualify for the best benefits.
Senior Travel Insurance Cost for USA From Japan in 2026
The visitor insurance cost for seniors traveling from Japan to the USA starts at $30 per month. The price may vary depending on factors such as age, coverage limit, deductible, and plan type.
Cheapest Senior Travel Insurance from Japan to USA
The senior travel insurance cost USA from Japan typically starts from around $30 per month and can go up to $221 or more per month, depending on age, coverage limits, deductible choice, and pre-existing condition benefits.
Cost of Comprehensive Senior Visitor Insurance for Japan to USA Travel
The best senior travel insurance cost USA from Japan for comprehensive plans ranges from $129 to $814 per month. The average cost of comprehensive senior travel insurance for the USA is based on one-month quotes with a $250 deductible.
Best Travel Insurance for Japan Seniors Visiting the USA (2026)
Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for USA from Japan
Coverage for unexpected illnesses and injuries during short-term stays.
$20/month for 20-year-old
Max Coverage: $25,000 | Deductible: $0
- Low-cost travel medical insurance
- Medical maximum up to $150,000
- Deductible option $0
- Acute Onset: Up to the policy maximum for ages ≤ 89
Other Affordable travel insurance for USA are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Comprehensive USA travel insurance for non-U.S. visitors
$63/month for 20-year-old
Max Coverage: $50,000 | Deductible: $0
- Top-tier travel medical insurance
- Medical maximum up to $1,000,000
- Deductible options $0-$5000
- Acute pre-existing conditions covered (under 89)
Other top recommended travel insurance plans for visitors to the USA include
Patriot America Plus,
Atlas America
.
Six-Month Medical Insurance Cost for Visitors from Japan to the USA
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based on different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler to stay stress free.
From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
How to Choose the Best Travel Insurance for Seniors Visiting USA from Japan?
When selecting best visitor insurance for parents visiting USA from Japan, it’s important to choose a plan that provides strong medical protection and easy access to care in the United States.
Consider these key factors while purchasing visitor medical insurance for Japanese seniors:
- Medical Coverage Limits - Because medical care in the U.S. is costly, look for high limits for covering hospital stays, surgery and emergency visits.
- Emergency Medical Evacuation - Ensure the policy covers transportation to another hospital or back to Japan if medically necessary.
- Pre-Existing Conditions Coverage - Many seniors who travel to the U.S. have pre-existing health conditions. When looking for a travel insurance plan, look for those that specifically cover acute onset of pre-existing conditions.
- Age Eligibility - Choose a plan designed specifically for senior travelers with higher eligible ages (many plans extend coverage for travelers, including seniors, up to age 99).
- Hospital Network & Direct Billing - Access to a large PPO network and direct billing will reduce your out-of-pocket expense. Most of the visitor insurance use trusted networks like UnitedHealthcare and First Health, allowing seniors to visit participating hospitals and doctors across the U.S. with cashless or reduced upfront payments.
- 24/7 Assistance Services - You should choose an Insurance company that offers assistance services and claims help on a 24/7 basis while traveling through the U.S.
- Trusted Insurance Providers - Compare comprehensive visitor insurance plans from reliable companies like IMG, WorldTrips, Trawick International, Seven Corners, INF and Venbrook International through American Visitor Insurance.
Are There Any Travel Insurance for Japanese Seniors Visiting USA?
When selecting travel insurance for Japanese seniors traveling to the USA, several plans are particularly well-suited to meet their needs. Here are some recommended options based on coverage, affordability, and benefits:
-
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.
Visitors Care IMG
- Cheap visitor health insurance for parents visiting USA.
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation,: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare
or United HealthCare 
- Visitors Care insurance cost for 60 year old traveler ranges from $38 to $89 for a month.
Policy maximum?
$25,000, $50,000, $100,000
Deductible options?
$0, $50, $100
Period of coverage?
5 days to 2 years
Venbrook Essential Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Essential insurance cost for 60 year old traveler starts from $47 to $120 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 12 months
Venbrook Premier Venbrook
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Cardiovascular event sub limit: Covers up to $25,000.
- Emergency medical evacuation: Covers up to $100,000.
- Venbrook Premier insurance cost for 60 year old traveler starts from $85 to $330 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $250,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 and $5,000
Period of coverage?
5 days to 12 months
Visitors Preferred IMG
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: First healthcare
or United HealthCare 
- Emergency medical evacuation: Covers up to $1000,000.
- Visitors Preferred insurance cost for 60 year old traveler ranges from $100 to $363 for a month.
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000 $2,500
Period of coverage?
5 days to 12 months
Diplomat America Global Underwriters
- Acute onset of pre-existing conditions: Covers up to maximum limit, for ages up to 70 years.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Freedom to choose hospitals or doctors
- Emergency medical evacuation: Covers up to $250,000.
- Diplomat America insurance cost for 60 year old traveler ranges from $133 to $379 for a month
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000 $2,500
Period of coverage?
15 days to 12 months
Safe Travels USA Trawick International
- Unexpected recurrence of pre-existing conditions: Covers up $1,000 for ages up to 70 years.
- Cardiac conditions or stroke: Covers up to $25,000 up to age 69 years.
- Direct Billing: First HealthCare

- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Safe Travels USA Insurance cost for 60 year old travelers ranges from $80 to $357 for a month
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
-
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.
Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to the policy maximum (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare

- Emergency medical evacuation: Covered up to unlimited.
- Repatriation of remains: Covers up to $25000 per policy period.
- Safe Travels Advantage cost for 70 years old traveler ranges from $61 to $166 for a month
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 364 days
Safe Travels Elite Diamond Trawick International
- Acute onset of pre-existing conditions: Covers up to $35,000 (up to age 79).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare

- Emergency medical evacuation: Covers up to $50,000.
- Repatriation of remains: Covers up to $7,500 per policy period.
- Safe Travels Elite cost for 70 years old traveler ranges from $100 to $150 for a month.
Policy maximum?
$50,000, $100,000
Deductible options?
$100, $200
Period of coverage?
5 days to 364 days
Atlas America WorldTrips
- Ideal plan for parents with pre-existing conditions coverage up to 79 years.
- Acute on set of pre-existing conditions: Covers up to policy maximum.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare

- Emergency medical evacuation: Covers up to $1,000,000.
- Border entry protection: Covers up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
- Atlas America Insurance cost for 70 year old travelers ranges from $201 to $619 for a month.
Policy maximum?
$50,000, $100,000, $150,000
Deductible options?
$0, $100, $250, $500
Period of coverage?
364 days
Travel Medical Choice Seven Corners
- Acute on set of pre-existing conditions: Covers up to policy maximum, cardiac conditions are included under pre-existing conditions.
- Pre-Existing condition medical evacuation: Covers up to $25,000 max per period of coverage.
- Direct Billing: Unitedhealthcare

- Emergency medical evacuation: Covers up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Travel Medical Choice Insurance cost for 70 year old travelers ranges from $286 to $808 for a month.
Policy maximum?
$50,000, $100,000
Deductible options?
$0, $100, $250, $500, $1,000
Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Most popular plan with Acute on set of pre-existing conditions coverage up to $35,000 (up to age 79).
- Direct Billing: First healthcare

- Cardiac conditions or stroke: Covers up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 70 year old travelers ranges from $179 to $645 for a month.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
Visit USA Standard Travel Insurance Services
- Budget friendly travel insurance with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare
or First HealthCare 
- Emergency medical evacuation: Covers up to $250,000.
- Repatriation of remains: Covers up to $50,000.
- Visit USA Standard Insurance cost for 70 year old travelers ranges from $165 for a month.
-
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.
Safe Travels Advantage Trawick International
- Acute onset of pre-existing conditions: Covers up to $15,000 (up to age 89).
- Cardiac conditions or stroke: Covers up to $15,000.
- Direct Billing through First HealthCare

- Emergency medical evacuation: Covers up to unlimited.
- Repatriation of remains: Covers up to $25,000 per policy period.
- Safe Travels Advantage cost for 80 years old traveler ranges from $159 to $574 for a month.
Policy maximum?
$25,000, $50,000, $100,000, $150,000
Deductible options?
$0
Period of coverage?
5 days to 364 days
Visit USA Superior Travel Insurance Services
- Affordable travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare
or First HealthCare 
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 80 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000
Deductible options?
$0, $250, $500, $1,000
Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive Trawick International
- Acute on set of pre-existing conditions: Coverage up to $20,000 (up to age 89).
- Direct Billing: First HealthCare

- Cardiac conditions or stroke: Covered up to $15,000.
- Emergency medical evacuation: Covers 100% up to $1,000,000.
- Repatriation of remains: Covers up to $50,000.
- Safe Travels USA Comprehensive Insurance cost for 80 year old travelers ranges from $566 for a month.
Policy maximum?
$20,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
5 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First healthcare
or Unitedhealthcare 
- Emergency medical evacuatio: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 80 years old traveler $1987 for 3 months.
Policy maximum?
$50,000
Deductible options?
$250, $500, $1,000, $2,500 or $5,000
Period of coverage?
90 days up to 12 months
INF Elite Plus X INF
- Perfect plan for seniors with Preventive and maintenance care benefit.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare

- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite Plus insurance cost for 80 years old traveler $3499 for 3 months.
Policy maximum?
$75,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
-
Visitor insurance for 90 years old USA are available for senior travelers above 90 years of age with suitable benefits. Compare some of these health insurance over 90 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 90 years.
INF Premier X INF
- Affordable plan for seniors with full pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $15,000/$20,000 maximum with $1,000/$5,000 deductible.
- Direct Billing: Unitedhealthcare

- Emergency medical evacuation: Covers up to $20,000 maximum.
- Minimum purchase is 90 days.
- INF Premier X insurance cost for 90 years old traveler $1091 for 3 months.
Policy maximum?
$100,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
INF Elite X INF
- Ideal plans for seniors with pre-existing conditions coverage up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: Unitedhealthcare

- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- INF Elite X insurance cost for 90 years old traveler $2,887 for 3 months.
Policy maximum?
$75,000
Deductible options?
$250, $500, $1,000, $2,500, $5000
Period of coverage?
90 days to 364 days
Visitors Protect IMG
- Ideal plan for seniors with pre-existing conditions up to 99 years.
- Pre-existing conditions: Covers up to $20,000 is subject to $1,500 deductible.
- Direct Billing: First HealthCare
or Unitedhealthcare 
- Emergency medical evacuation: Covers up to $25,000 maximum.
- Minimum purchase is 90 days.
- Visitors Protect insurance cost for 90 years old traveler $1987 for 3 months.
Policy maximum?
$50,000
Deductible options?
$250, $500, $1,000, $2,500 $5,000
Period of coverage?
90 days to 364 days
Visit USA Superior Travel Insurance Services
- Budget friendly travel insurance for seniors with Acute on set of pre-existing conditions coverage up to $2,500.
- Direct Billing: Unitedhealthcare
or First HealthCare 
- Emergency medical evacuation: Covers up to $500,000.
- Repatriation of remains: Covers equal to the elected overall maximum limit.
- Visit USA Superior Insurance cost for 90 year old travelers ranges from $556 for a month.
Policy maximum?
$20,000
Deductible options?
$0, $50, $1,000, $2,500, $5000
Period of coverage?
5 days to 364 days
How Do Travel Insurance Claims Work in the USA?
Using travel insurance while traveling to the USA is straightforward. Here’s how the process generally works for Japanese seniors:
- Visit a licensed hospital or doctor - Seek treatment at a medical facility when needed.
- Call your insurer’s 24/7 assistance helpline - Before or during treatment, contact your travel insurance provider for guidance and support.
- Direct billing (when available) - Many U.S. hospitals can bill the insurer directly so you don’t have to pay upfront.
- Pay and submit a claim (if needed) - If direct billing isn’t available, you must pay for services at the time of treatment and then you will need to file a reimbursement claim with your insurance company.
This process helps ensure you receive quality medical care while minimizing your out-of-pocket expenses. With best travel insurance for seniors visiting USA from Japan
through American Visitor Insurance, you can get assistance and support throughout the claims process so you can focus on your health and recovery during your trip.
Senior Travel Tips for Japanese Visitors to the USA
To stay safe and comfortable during your trip to the United States, follow these simple travel tips:
- Get recommended vaccinations before travel (such as flu or COVID updates)
- Use rideshare apps or taxis for easier mobility - many cities offer senior discounts
- Carry a translation or medical assistance app for quick communication
- Keep your passport, insurance ID card, and emergency contacts with you at all times
- Dial 911 for emergencies — your insurance company’s 24/7 helpline can also guide you to nearby hospitals and assist with claims
These small steps, along with proper comprehensive travel insurance for elderly travelers, can help ensure a safe and worry-free trip.
Senior citizens international travel tips
Best Visitors Insurance for Japanese Seniors to USA - FAQs
While Visitors insurance for Japanese seniors to USA is not legally required for travelers on a B-2 tourist visa, it is highly recommended. Your domestic health insurance from Japan is generally not accepted or provide coverage in the U.S., making visitor insurance essential for accessing necessary medical treatment without incurring high costs.
The cost of healthcare in the US is significantly high, and without travel insurance for Japanese seniors to USA, even minor medical issues can lead to substantial expenses. Visitor insurance in USA for seniors provides essential coverage for medical emergencies, ensuring that travelers can receive necessary care without financial burden.
Japanese seniors visiting USA can be purchased online through the marketplace that allow comparisons between different plans from U.S. based companies on American Visitor Insurance. This makes it easy to find a policy that fits their specific needs and budget.
Yes, visitors insurance USA is highly recommended for short visits to the USA, especially for international travelers, including Japanese seniors. The U.S. has some of the highest healthcare costs in the world, and without insurance, even minor medical issues can lead to significant financial burdens. Visitor insurance provides essential coverage for unexpected medical emergencies, hospitalizations, and other healthcare needs during their stay.
Yes, many insurance plans offer coverage for the acute onset of pre-existing conditions. However, not all plans include this, so it’s important to check the policy details before purchasing.
If Japanese seniors don’t purchase travel insurance, they risk paying out-of-pocket for unexpected medical treatment, medical evacuation, or trip disruptions, which can be financially burdensome due to the high cost of healthcare in the U.S.
Typically, only basic information like name, date of birth, passport details, and travel dates are required. No medical tests are needed, making the process fast and simple.
Senior Travel Insurance for Japanese Visitors to the USA
globe
Senior Travel Insurance Resources for the USA
International Senior Travel Insurance Resources for USA Visa Holders.
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Key Factors for Senior Travel Insurance USA Online
Important factors while deciding on the best travel insurance to USA.
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Types of Senior USA Travel Insurance Online
Different Types of Senior USA Visa Travel Insurance Coverage Options - Pre-existing conditions coverage.
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USA Travel Insurance Claims Procedure for Seniors
USA travel insurance claims process for medical care in a hospital.
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Annual travel insurance for seniors