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Best Snowbird Travel Insurance for Seniors above 70 years

Best Snowbird Travel Insurance for Seniors above 70 years

Many seniors above 70 years seek warmer destinations to escape the cold and enjoy their well-deserved vacation. However, traveling at this age requires careful consideration of health and safety, making snowbird travel insurance a critical aspect of trip planning. In this blog, you will explore the top snowbird travel insurance options tailored to seniors above 70, ensuring they have the best coverage for their next winter getaway.

Understanding snowbird travel insurance

Snowbird travel insurance is specifically designed to meet the unique needs of seniors who spend an extended period away from home during the winter months. It provides coverage for medical emergencies, trip cancellations, and other unforeseen events that may occur during their travels.

When choosing the best snowbird travel insurance, seniors above 70 years must consider several essential factors:

a) Comprehensive medical coverage– Look for plans that offer robust medical coverage, including hospitalization, doctor visits, prescription drugs, and emergency medical evacuation.

b) Pre-existing conditions coverage– Ensure that the insurance plan covers the acute onset of pre-existing medical conditions, as seniors are more likely to have pre-existing health conditions that may require medical attention during their trip. (Note that visitor insurance plans do not typically cover pre-existing medical conditions; some of these policies cover the acute onset of pre-existing conditions. Also, each policy distinctly defines pre-existing conditions and the acute onset of pre-existing conditions. Review the plan’s brochure to know these definitions in detail.)

c) Maximum coverage limits- Review the maximum coverage limits for various medical expenses to ensure sufficient protection during the trip.

Top 5 snowbird travel insurance plans

1. Safe Travels USA Comprehensive

Safe Travels USA Comprehensive is a popular and comprehensive travel insurance plan designed for visitors traveling to the US. It offers a wide range of coverage options to protect travelers from unexpected medical expenses and other travel-related issues, making it quite perfect for senior travelers. The plan is suitable for tourists, business travelers, and individuals visiting family or friends in the US.

The plan provides extensive medical coverage, including coverage for accidents, illnesses, one episode of acute onset of pre-existing conditions, emergency medical evacuations, accidental death and dismemberment, and repatriation of remains. It also offers trip interruption coverage, lost baggage, and optional sports coverage.  The plan’s maximum limit ranges up to $ 1 million with a maximum coverage of up to 364 days.

2. Patriot America Plus

Patriot America Plus is yet another comprehensive travel insurance plan designed to offer extensive coverage for visitors traveling to the US. The plan provides a wide range of benefits, including medical coverage, non-chronic acute onset of pre-existing conditions (available till age 69 years), emergency medical evacuation, and repatriation of remains, making it suitable for individuals of all ages, especially seniors.

The plan offers a policy maximum limit of up to $ 1 million with a maximum coverage day of up to 2 years. With its competitive pricing and excellent benefits, Patriot America Plus ensures that seniors can enjoy their time in the US without worrying about high medical expenses. It also provides access to a vast network of healthcare providers, ensuring prompt and quality medical care during their stay.

3. Atlas America

Seniors should consider purchasing the Atlas America plan for several reasons. Firstly, it offers substantial medical coverage, including treatment for new medical conditions and non-chronic acute onset of pre-existing conditions, which is essential for senior travelers with potential health concerns. Secondly, the plan provides access to a wide network of healthcare providers, ensuring seniors can receive timely and quality medical care during their stay.

Additionally, it offers a policy maximum of up to $100,000, making it an ideal choice for seniors looking for comprehensive insurance coverage. With its extensive benefits, world-class medical assistance, and outstanding customer service, Atlas America ensures that seniors can travel to the US with confidence and peace of mind.

4. Visitors Care Insurance

Visitors Care insurance is a popular limited-benefit visitor insurance plan designed to protect travelers with moderate coverage visiting the US. This plan offers a range of benefits with sub-limits, including medical coverage, non-chronic acute onset of pre-existing conditions, emergency medical evacuation, repatriation of remains, inpatient physician, special consultation, intensive care, local ambulance, dental accident, incidental trip, and more.

Seniors can consider buying this plan because it is budget friendly and provides restrictive medical coverage with sub-limits. Also, it offers emergency medical evacuation, which can be essential in situations where immediate transportation to a suitable medical facility is required. For seniors, having this coverage ensures timely and efficient medical assistance in case of emergencies. The plan’s maximum limit is from $25,000 to $100,000 with coverage up to 2 years.

5. Safe Travels Elite

Safe Travels Elite is another fixed-benefit plan that offers six different categories of plans- Elite, Basic, Silver, Gold, Platinum, Diamond, and Diamond Plus. Each category of the plan has its own sub-limits for the schedule of benefits it provides. Travelers between the ages of 0 to 69 can buy Elite, Basic, Silver, Gold, and Platinum with a $0 deductible per incident. However, travelers aged between 70 and 89 can buy Diamond and Diamond Plus with $100 and $200 deductible per incident.

The plan offers additional benefits with sub-limits, including acute onset of pre-existing conditions (cardiac conditions or stroke limited to $25,000 for ages up to 69), COVID-19 expenses, well doctor visit, dental treatment to a sound tooth, mental or nervous disorder, return to home coverage, ambulance service, emergency medical evacuation, repatriation of mortal remains, common carrier AD&D, and more.

Conclusion

Traveling as a snowbird is a wonderful way for seniors above 70 years to enjoy warmer climates during the winter months. However, ensuring your health and financial security should be a top priority. By choosing the best snowbird travel insurance, you can have peace of mind and focus on making unforgettable memories during your winter getaway. Consider your specific needs, compare plans, and consult with insurance experts to find the perfect insurance coverage that allows you to embrace the joys of traveling without worries.

For more assistance, call Visitor Guard®.

Chiranth Nataraj

Chiranth Nataraj

Travel Insurance Expert

Chiranth Nataraj is a licensed insurance agent and the principal at VisitorGuard.com, an independent insurance agency that provides visitor insurance to customers across the United States and the world. With over 20 years of experience, Chiranth has been instrumental in educating the travel community, new immigrants, the international student community, and foreign governments about visitor medical insurance to cover medical expense risks. He has built a team that strives to make VisitorGuard.com the preferred choice for travelers, exchange visitor organizations, and international universities. His insights and expertise have made him a popular industry voice, and he is often featured in USA Today, Forbes, Washington Post, and many more.

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