Visitors Travel Insurance for Senior Travelers Over 70

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.

When considering a policy for senior travelers, take note of:

Their General Health Condition

While buying visitors health insurance, it is important to know about the traveler's general health. If they are more susceptible to sickness or injury or are generally unhealthy, you should purchase a higher policy plan, which might be more expensive. If a traveler's general health is stable and they do not get sick very often, you may want to choose a lower coverage plan primarily to cover potential accidents or injuries.

Activities They Might Participate in During Travel

Before purchasing the right health insurance for visitors, it is important to consider what they plan to do during their visit to the U.S. If the traveler is more likely to stay indoors without traveling much or participating in adventurous activities, you may choose a limited coverage plan. For elderly people, even a short 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 U.S., they should consider a comprehensive coverage policy with a higher policy maximum.

Length of Their Stay

The longer the person stays in the U.S., the higher the chances of falling sick or having an injury. So, if the visitor is staying for a long time, a higher policy maximum should be chosen.

Recommended Plans

For people who are more than 70 years of age, comprehensive travel medical insurance plans are highly recommended, although they are more expensive than limited coverage plans. However, limited coverage plans are also availible for smaller budgets and cover most unexpected events.

For travelers ages 70-79, CoverAmerica - Gold is an excellent solution for a trip abroad. The only policy of its kind, CoverAmerica - Gold provides comprehensive coverage including acute onset of pre-existing conditions coverage for travelers to the United States. For more information on this policy, visit CoverAmerica - Gold insurance.

Please refer to the following articles to learn more about age specific plan information and possible recommendations 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.

If you have any specific questions about our policies for senior travelers, email us at support@visitorscoverage.com.

Disclaimer

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.