If you are an immigrant living in the U.S., you may want 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 seemingly in good health, the stress of travel, change in environment and cultural differences may impact their wellbeing, so it is important to be prepared.
So what is the best visitor insurance for people over 70 years of age? Unfortunately, there aren't many choices for this age group.
Age is one of the most important factors in a travel health insurance plan. Many insurance companies are reluctant to give higher policy maximums and flexible benefits for people over the age of 70.
Many non-U.S. travel insurance companies decline to issue a policy for people over 70 years old without a medical exam. Even U.S.-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 and 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 good coverage even if it is expensive. Medical expenses in the U.S. are exorbitantly high and even the simplest medical attention can cost hundreds to thousands of dollars. It is always better to buy insurance.