There are many elderly relatives visiting their family in the U.S. who are 80 years of age or older (80+). As life insurance, health insurance, travel insurance or visitors insurance primarily look at the age of the person to determine the availability of the plans, as well as the premium, there are few choices of travel medical insurance for seniors over 80, compared to much younger persons.
In short, there are a limited number of options when it comes to health insurance for elderly visitors to the USA who are over 80. Some people argue that their relative is quite healthy at that age and therefore, should be given a much higher policy maximum or a cheaper rate. However, insurance companies determine benefits and rates based on an average claims experience and not based on one person. In any of the available plans, no medical exam is required and no medical information needs to be provided at the time of purchase.
Often the question remains: What is the best visitors insurance, or best travel insurance for seniors visiting the USA who are 80 or older?
Before discussing travel insurance for over 80s, it is important to first discuss the types of visitors insurance plans:
- Fixed Coverage: Limited coverage, cheaper plans
- Comprehensive Coverage: Better coverage, more expensive.
We always advise our customers to purchase the comprehensive coverage plans. The choices are based on what policy maximum you would like. In the comprehensive coverage category, you can get a maximum $50,000.
Comprehensive Coverage
$50,000
Overview
Direct Billing
$10,000 to $20,000
In this policy maximum range, there are many different insurance plans available. You can get instant quotes, compare and make instant purchases online.
Fixed Coverage
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$100,000
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Safe Travels Elite - Diamond Plus
Participates in the First Health PPO network and provides a $100,000 policy maximum for ages 80 through 89. This plan is extendable when purchased for a minimum of 5 days and is refundable in the event of early departure. The refund is pro-rated for the unused duration minus a $50 cancellation fee as long as no claims have been filed. As the plan pays a fixed amount for each procedure and you pay the difference, we suggest choosing a $50,000 comprehensive coverage plan over $100,000 fixed coverage plan.
In addition, this plan provides up to $15,000 coverage for an acute onset of a pre-existing condition for ages 80 - 89. Complete Details
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$50,000
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Safe Travels Elite - Diamond
This plan offers a $50,000 policy maximum until a persons 90th birthday.
It participates in the First Health PPO network, it is extendable with a minimum of 5 days initial purchase and is refundable in case of early departure. The refund is pro-rated for the unused duration minus a $50 cancellation fee as long as no claims have been filed.
This insurance plan provides coverage up to $15,000 for acute onset of pre-existing conditions. Complete Details
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Healthcare costs are very high in the U.S.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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