As we get older, the urge to travel and visit our families doesn't just go away. Senior travelers 80 years of age and older are no exception! But this particular age group also needs to be proactive when it comes to preparation and protection of their health and safety. The best way to ensure that international travelers age 80 and over stay safe during their trip is to get a comprehensive visitors insurance policy that provides the important coverage needed by this age group.
There are limited coverage options for visitors age 80 years and over due the fact that age is one of the primary factors insurance companies consider as a risk. Because of this, most plans for travelers over age 80 have restricted policy maximum options, reduced benefits and higher premiums.
The following best travel health insurance for seniors::
However, because many seniors over 80 years old are at a higher risk of illness and injury, it's important for them to have travel medical insurance, especially when traveling to the United States. Without insurance, a doctor visit could cost hundreds of dollars, while a trip to the emergency room could cost thousands of dollars out of pocket.
Many seniors of this age group are reluctant or fearful to travel because of the associated risks, but there are several plan options that offer important features for elders such as 100% coverage for emergency medical care, acute onset of pre-existing conditions coverage and emergency medical evacuation. With visitors insurance, seniors can travel with peace of mind.
Best plans for senior travelers over 80 traveling to U.S.
INF Elite
Administrator: INF- Eligibility: Visitors to the USA, Canada and Mexico
- Pre-Existing Conditions Coverage
- Covers COVID-19 like any other eligible new illness
- Policy must be purchased before arrival into the destination country
- Comprehensive Coverage plan
Safe Travels USA Comprehensive
Administrator: Trawick International- Eligibility: International travelers to the USA
- Covers COVID-19 like any other eligible new illness
- Plan pays 100% of in-network expenses after the deductible is met
- Covers the Acute onset of Pre-Existing Conditions
- Comprehensive Coverage plan
Atlas America
Administrator: HCC-MIS- Eligibility: Non-U.S. citizens traveling outside of their home country
- Covers COVID-19 like any other eligible new illness
- Covers the Acute onset of Pre-Existing Conditions
- Plan pays 100% of covered medical expenses after the deductible is met
- Comprehensive Coverage plan
Patriot America Plus
Administrator: IMG- Eligibility: International travelers to the U.S.
- Covers COVID-19 like any other eligible new illness
- Plan pays 100% of in-network expenses after the deductible is met
- Covers the Acute onset of Pre-Existing Conditions
- Comprehensive Coverage plan
Patriot Platinum
Administrator: IMG- Eligibility: Non-U.S. citizens traveling outside of their home country and U.S. citizens who live outside of the United States
- Covers COVID-19 like any other eligible new illness
- Plan pays 100% of in-network expenses after the deductible is met
- Covers the Acute onset of Pre-Existing Conditions
- Comprehensive Coverage plan
Liaison Travel Elite
Underwriters: Lloyd's- Comprehensive coverage plan provides maximum coverage up to $20,000
- Plan pays 100% up to policy maximum
- Pre-existing coverage for heart attack & stroke up to $3,000 only
- Up to 12 months coverage for travelers 65+
