Best Visitors Insurance for Parents over 80 

As our parents reach their vibrant eighties, the spirit of adventure often remains strong. However, navigating international travel with increased health considerations becomes paramount. Traditional travel insurance might have limitations for those over 80, but there are specialized visitor insurance plans catering specifically to this age group, offering financial safeguards against medical emergencies and potential trip disruptions. Let us find out. 

Table of Contents 

• Best Visitor Insurance Plans for 80+
• Factors to Consider Before Buying a Plan
• FAQs
• Conclusion

Best Visitor Insurance Plans for 80+ 

Visit USA 

Visit USA is a comprehensive policy that offers $20,000  policy maximum for  80+ years. Underwritten by Lloyds, the plan covers hospitalization, doctor’s visit, prescription, acute onset of pre-existing conditions, dental emergencies, evacuation, repatriation, and more. 

Why is it suitable for 80+? 

• In network, the plan pays 100% up to policy maximum per year (Standard Plan and Superior Plan). 
• The plan offers policy maximum up to $20,000 for 80+ members. 
• Covers Accidental Death & Dismemberment up to $10,000 for 75+ members. 
• Covers acute onset of pre-existing conditions up to $2500 above 65yrs. 
• Offers coverage to travel delays, lost checked luggage, and lost or stolen passport/travel/visa. 
• Offers 24/7 Worldwide Assistance. 

Visitors Protect 

Visitors Protect is one of the best comprehensive policies designed to protect travelers traveling from their home country to the US, Canada, and Mexico. This policy offers temporary coverage for pre-existing conditions, making it easier for elderly parents to visit the US with confidence. 

Why is it suitable for 80+? 

• The plan offers per injury/illness maximum limit up to $50,000 for ages 70 and older. 
• The plan pays 75% of the coinsurance in-network. 
• Covers pre-existing conditions up to $20,000 for ages 70 and older. 
• Offers 100% CareClix Consultation, and not subject to deductible. 
• Covers 100% Urgent Care Clinic and Walk-in Clinic in and out-of-network. 
• Offers 75% coverage to hospital emergency room, hospitalization, and Intensive Care. 

Patriot America Plus 

Patriot America Plus offers comprehensive coverage with $10,000 policy maximum for people over the age of 80 years.  It covers hospitalization, emergency rooms, walk-in clinics, intensive care, bedside visit, pre-admission testing, surgery, and more that can keep an elderly traveler safe during any unfortunate mishap. 

Why is it suitable for 80+? 

• Covers eligible medical expenses up to the maximum limit. 
• Covers physician visits, urgent care clinic, walk-in clinic, and hospital emergency room. 
• Covers Emergency Medical Evacuation up to the maximum limit. 
• Interfacility Ambulance Transfer 100% 
• Emergency Eye Examination up to $150 limit with $50 deductible per occurrence. 

Safe Travels USA Comprehensive 

This has been the best seller comprehensive visitor insurance policy, covering hospital, doctor fees, dental emergency, prescription drugs, evacuation, repatriation, accidental death, and dismemberment, and more. Underwritten by Zurich Insurance Europe AG, the plan has received an A+ rating. 

Why is it suitable for 80+ years? 

• Offer policy maximum of $20,000 for 80+ members. 
• ICU and Board Charges up to the maximum limit. 
•  Well doctor visit up to $125- one visit per policy period. 
• Optional upgrade available for Accidental Death & Dismemberment. 

Safe Travel Elite- Diamond 

This is a fixed benefit plan that offers coverage for inpatient and outpatient medical expenses, additional medical treatment and services, and transportation expenses with predefined limits. Underwritten by Zurich Insurance Europe AG, the plan has received A (Excellent) ratings. 

Why is it suitable for 80+? 

• Offers $100,000 Annual Maximum for members aged 70 to 89. 
• Well Doctor Visit up to $75 per visit, one visit per day and 30 visits per Policy Period. 
• For acute onset of pre-existing conditions, for ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000. 
• Dental treatment to a sound tooth is up to $750 per incident. 
• Emergency Medical Evacuation up to 50,000 per Policy Period and $25,000/Lifetime Maximum  

Factors to Consider Before Buying a Plan for 80+ 

Limited policy options and pre-existing conditions: Travel insurance companies are more cautious when it comes to seniors over 80. Policy options might be limited compared to plans for younger age groups. Pre-existing condition coverage becomes even more critical. Some plans might exclude coverage altogether for pre-existing conditions, while others might offer limited coverage to the acute onset of pre-existing conditions. 

Medical evacuation and repatriation assistance: In some cases, unexpected medical emergencies might necessitate medical evacuation to the nearest equipped medical facility. Look for plans with medical evacuation and repatriation assistance. These benefits can cover the costs of transporting your parents for further medical care, offering significant financial and logistical support during a stressful situation. 

Additional Benefits and Value-Added Services: Look beyond basic medical coverage. Some visitor insurance plans for over 80 travelers might offer valuable add-on benefits. These could include 24/7 Travel Assistance, providing support with lost luggage, translation services, or even prescription refills, and Accidental Death and Dismemberment (AD&D) Coverage, offering financial compensation in case of accidental death or permanent disability during the trip. 

FAQs 

What is the biggest challenge when choosing visitor insurance for my parents? 

Limited policy options can be a challenge as travel insurance companies might be more cautious when insuring seniors over 80. Finding a plan with comprehensive coverage may require more research and comparison. 

Should I prioritize medical evacuation coverage? 

Yes, medical evacuation can be expensive. Look for plans with this benefit, which cover the cost of transporting your parents to the nearest medically equipped facility for further medical care in case of a serious emergency in a remote location. 

What if my parents change their travel plans after purchasing insurance? 

Cancellation policies vary. Some plans offer a grace period for full refunds, while others might charge cancellation fees. Review the specific cancellation terms before purchasing the plan. 

Does visitor insurance cover pre-existing medication refills? 

Basic visitor insurance typically does not cover routine medication refills. These plans are designed for unexpected medical emergencies that arise during the trip, not pre-existing conditions requiring ongoing medication management. Your parents should pack an adequate supply of their regular medications for their visit. 

Is it a good idea to purchase travel insurance even if my parents are healthy? 

Yes, travel insurance is recommended even for healthy seniors. Accidents and illnesses can happen unexpectedly, and visitor insurance provides financial protection against unexpected medical costs, even for minor emergencies. 

Conclusion 

As your parents embark on exciting international adventures in their golden years, visitor insurance designed specifically for them becomes a necessity. Prioritizing comprehensive medical coverage is paramount, ensures financial protection even for complex health needs. Let their journeys be filled with treasured memories, not financial worries! 

To buy a plan, call Visitor Guard®.