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Visitor Insurance for senior travelers : Senior visitors , parents age over 70 Years.
A friend of mine invited his father from India was really worried, especially since her father was in his late 70s and was traveling alone. Even though he did not have any pressing health concerns, yet, for someone in their late 70s or 80s extra care and precaution are always necessary. A 20-hour flight from India to SFO is exhausting even for youngsters in their 20s and 30s. So, for people in their 70s and 80s, the journey is nothing short of a nightmare.
The question that naturally follows is “What is the best visitor’s health insurance policy for people of ages 70 and over?” Unfortunately, there aren't many choices for visitor’s health insurance coverages for people belonging to this age category.
Age is one of the most important factors while considering making a health insurance purchase. It is usually believed that younger people would be healthier than the elderly. Hence, most insurance companies are reluctant to give a higher policy maximum or flexible benefits for people belonging to ages 70 and up.
Most non-US travel insurance companies may even decline issuing a policy for people over 70, without a pre-medical exam. US-based travel medical insurance companies that provide coverage, also have a lot of restrictions as well. For people in their 70s, the policy maximum amount is restricted to $50,000 for comprehensive plans, while limited coverage plans only cover up to $75,000. For people above 80, the policy maximum is even lesser. For comprehensive coverage plans, the maximum policy amount is just $15000, while for limited coverage plans, it is $70,000. The premium for purchasing insurance is always higher for older people.
It is perceived that the older a person gets, the chances of injury or sickness also tend to go up. Hence, it is absolutely essential to get better coverage, even if it is expensive. It is needless to state that medical expenses in the USA are exorbitant. Even the slightest professional medical attention can rack up a huge bill; hence, it is always advisable to buy insurance. As they say prevention is better than cure.
Important Things to Consider before Purchasing a Plan
There are a few things to bear in mind before buying insurance for people in their 70s and 80s.
They are:
a)General health condition
b) Activities they would participate in during their stay.
c)Length of their stay
This would give you a better understanding of how much coverage the visitor needs, and if a higher premium plan is worth investing in for this particular person.
- General health condition: Not all older people are equally healthy. Some people in their 70s and 80s are almost as healthy as a much younger person, while others are not so fortunate. While buying a visitor’s health insurance you have to know about the person general health condition. If they are more susceptible to sickness or injury, or generally not that healthy, then you should go for a higher policy plan, that will cover more, even though it is expensive. In case of a person whose general health is better, and is not so susceptible to sickness or injury, then you can choose a lower coverage plan.
- Activities they might participate in during travel: Activities that a person is going to undertake while visiting the USA, is also an important consideration before purchasing the right insurance. The more a person is likely to stay at home without traveling much or participating in adventurous activities, the lesser coverage you can opt for. For elderly people, even the regular car drive from one place to another can be strenuous, and can lead to sickness or injury. If someone wants to pack in a lot activities during their stay in the USA, they should consider a higher visitor's coverage health plan.
- Length of their stay or policy period: The longer the person stays in the USA, the higher the chances of falling sick or having an injury. So, if the period of stay of the person traveling to the USA is extended, the higher policy maximum should be chosen.
Recommended Plans
Above 70 Years of Age: For people who are above 70 years of age, comprehensive coverage plans are highly recommended, though they are more expensive than limited coverage plans. However, if budgeting is a big concern, then one can also opt for limited coverage plans.
Between The Ages of 70 to 79: For people between the ages of 70 to 79, There are few plan which offers coverage up to $100,000, however the cost may be high. See more details on "Travel medical insurance plans for age 70 to 79 years old visitors.
Over 80 years of Age: For people 80 years and above, Diplomat America with a policy maximum of $50,000 is a good choice. But then again, if budgeting is a big concern, and a few risks can be taken, then Inbound USA Plan K with a policy maximum of $ 70,000 is recommended.
For more information about visitor’s insurance, contact the customer support team at VisitorsCoverage.com.
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