If you are considering buying travel insurance for seniors, who are 70 years or older for their upcoming travel to the USA, you will benefit from the following tips about finding the cheapest or best overseas travel medical insurance.
If you are an immigrant living in the US, you probably would like to have your parents and relatives visit you in your new home. But if your visiting family are elderly, you may worry about their health while traveling. Even if senior travelers are in seemingly good health, the stress of travel, change in environment and cultural differences may have an effect on their health so it is important to be prepared.
The question that naturally follows is, "what is the best visitor insurance for elderly parents or seniors over 70 years of age?"
Unfortunately, there aren't many choices for travel insurance for elderly belonging to this age group.
Age is one of the most important factors when considering a travel health insurance purchase. There is a misconception that younger people are healthier than the elderly. Because of this, 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 old, 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 less. 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 the elderly.
In general, the older a person gets, the higher their risk of illness and injury, so it is absolutely essential to get better coverage, even if it is expensive. Medical expenses in the USA are exorbitantly high and even the simplest medical attention can cost hundreds to thousands of dollars, so it is always better to buy insurance.