If you are considering buying travel insurance for seniors, who are 70 years or older for their upcoming travel to USA, you will benefit from the following tips about finding the cheapest or best overseas travel medical insurance.
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. Though he did not have any pressing health issues, yet, for someone in their late 70s or 80s, extra care and precaution is 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 less than a nightmare.
The question that naturally follows is - What is the best visitor insurance for elderly parents or seniors over 70 years? Unfortunately, there aren't many choices for Travel insurance for elderly belonging to this age category.
Age is one of the most important factors while considering making a travel health insurance purchase. It is a misconception that younger people are healthier than the elderly. Hence most insurance companies are reluctant to give higher policy maximum or flexible benefits for people above 70 years of age.
Most non-US travel insurance companies may even decline issuing a policy for people over 70 years, without a pre-medical exam. Even US-based travel medical insurance companies, offering insurance coverage, impose a lot of restrictions. 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 $15,000, and 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, there is a higher risk of injury or sickness. 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 cost too much, hence it is always better to buy insurance.
Important Things to Consider Before Purchasing a Plan
There are a few things to bear in mind before buying travel insurance for seniors over 70 or 80 years -
- General health condition
- Activities they would participate in during their stay.
- 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: Some people in their 70s and 80s are almost as healthy as a younger person. While buying a visitor's health insurance, it is important to know about the persons general health condition. If they are more susceptible to sickness or injury or remain unhealthy, you should go for a higher policy plan, which might be more expensive. In case of a person whose general health is better, and doesnt get sick too often, you may choose a lower coverage plan.
- Activities they might participate in during travel: Before purchasing the right health insurance for visitors, it is important to consider the activities that they plan to undertake during their visit to the USA. The more a person is likely to stay at home without traveling much or participating in adventurous activities, you may choose a limited coverage plan. For elderly people, even the regular car drive from one place to another can be strenuous and lead to sickness or injury. If the visitor wishes to participate in a number of activities during their stay in the USA, they should consider a comprehensive coverage policy with higher policy maximum.
- 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.
Above 70 Years of Age: For people who are above 70 years of age, Comprehensive Travel Medical Insurance 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.
Please refer to the following articles to learn more about the age specific plan information and possible recommendation based on the age group.
Between the age of 70 to 79: Travel Insurance for Visitors Age between 70 to 79 years.
Over 80 years of Age: Travel Insurance for Visitors over 80 years.
For more information about visitors insurance, contact our customer support team.
For assistance, call toll free: 1-866-384-9104
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