Millions of foreign-born professionals live in the US, while their parents and in-laws still live in their home countries. Naturally, they want to invite their families to visit them in the USA to spend time together, attend family functions, and explore the United States.
However, as many visiting family members may be over the age of 60, it’s especially important to make sure they’re covered by the best travel insurance for seniors, with a high enough policy maximum and proper coverage for acute onset of pre-existing conditions. Let’s explore some of the factors you should consider when buying travel insurance for over 60s or travel insurance for over 70s.
Should Seniors Buy Travel Insurance?
Travel insurance for seniors is essential for any older person visiting the United States. Medical costs here are extremely high, and you may not be able to afford treatment for your visiting parents if they are not insured. Since they are not able to be insured under your domestic health insurance and the health insurance from their home country is unlikely to be accepted, travel insurance for senior citizens is the best option to protect their health and your finances.
Factors to Consider When Choosing the Best Senior Travel Insurance
- Duration of Visit: While some relatives visit the US only for a short duration, others are here for longer. Make sure the travel insurance for senior citizens you choose can be extended to cover the full duration of the trip.
- Health Conditions: Regardless of their current health, remember that anyone can be struck with any new medical condition, accident, or injury. That’s what senior citizen travel insurance is meant to cover. Therefore, it’s a good idea to always purchase a comprehensive coverage plan. Though we do sell fixed coverage plans, we do not recommend them due to their significant limitations.
- Activities: Many seniors are quite active, taking part in sports or hobbies that can be risky. Be certain that the senior citizen travel insurance plan covering them does not exclude any of these activities from coverage. Make sure to read the policy documents thoroughly prior to purchase.
- Premium-Saving Strategy: As healthcare expenses are unbelievably high in the US, you should consider purchasing a plan with a high policy maximum. However, to save some upfront premium costs, you may also want to consider purchasing travel insurance with a higher deductible. Some travel insurance plans waive the deductible for urgent care or walk-in clinics. However, for anything else, you will pay the deductible first before the insurance company begins paying for any eligible expenses.
How Much does Senior Travel Insurance Cost?
The cost of travel insurance for seniors varies greatly depending on the plan, the policy maximum, and the deductible selected. Fill in your information on the travel insurance quote form to get instant pricing quotes for various plans.
How to Get Senior Travel Insurance
Purchasing senior travel insurance is easy with Insubuy. All you need to do is fill out the quote form, compare multiple plans side by side, and purchase online in minutes. Coverage can begin as soon as the next day and no doctor’s visit or medical exam is required.
Frequently Asked Questions about Travel Insurance for Seniors
What is the best international travel insurance for seniors?
There are several options for the best international travel insurance for seniors visiting the USA. We recommend considering the following options:
Overview
Direct Billing
Overview
Direct Billing
Acute onset of pre-existing conditions
Overview
Direct Billing
Acute onset of pre-existing conditions
Overview
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Acute onset of pre-existing conditions
Overview
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing
Acute onset of pre-existing conditions
Does AARP have travel insurance for seniors?
Short-term visitors to the USA will typically not be eligible for travel insurance for seniors through the AARP. Your best option will be to shop for visitors medical insurance.
How much does travel insurance cost for seniors?
The cost of travel insurance for seniors will depend on the insured’s age, trip length, plan, deductible, and policy maximum. Enter your information in the quote form to find the best travel insurance for seniors today!
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