Top 5 Visitor insurance from India to the US for senior citizens 

Traveling to the United States is a dream for many, including senior citizens who wish to explore this diverse and culturally rich country. While embarking on this exciting journey, it is crucial for senior citizens to prioritize their health and safety. One way to do this is by investing in comprehensive travel insurance. 

Visitor insurance for senior citizens traveling from India to the US provides monetary support against unexpected medical expenses, trip interruptions, lost baggage, and more. To help you make an informed decision, here is a compiled list of the top 5 visitor insurance plans tailored for senior citizens heading to the US this year! 

Table of Contents 

• Introduction 
• Factors to Consider While Choosing Visitor Insurance 
• Top 5 Visitor Insurance Plans 
• Conclusion 

Introduction 

Traveling as a senior citizen to the US is an exciting adventure filled with new experiences and discoveries. However, it is essential to prioritize your health, safety, and financial well-being during your trip. To ensure a worry-free journey, one of the key decisions you will need to make is selecting the right travel insurance plan. 

Factors to Consider While Choosing Visitor Insurance 

Age eligibility: The definition of a “senior citizen” can vary among insurance providers, but it typically starts at age 60 or 65. Understanding the age eligibility criteria for senior citizen travel insurance is the first step in finding a plan that suits your needs. Some plans may have higher age limits, so it is crucial to check the specific age requirements of each insurance provider. 

Duration of stay: Your intended duration of stay in the US plays a significant role in selecting the right travel insurance. Are you planning a short-term visit for a few weeks or a longer stay that spans several months? Different insurance plans cater to varying lengths of travel, so you will want to ensure your chosen plan aligns with your trip duration. 

Pre-existing medical conditions: These are a common concern for senior travelers. These are the health conditions you had before purchasing travel insurance. Understanding how travel insurance providers handle pre-existing conditions is essential. Visitor insurance plans offer coverage for acute onset of pre-existing conditions rather than pre-existing conditions. Some plans may have limitations or exclusions and so it is important to read the brochures carefully to understand the benefits. 

Destination: For seniors traveling to the US, it is essential to consider the specific healthcare system, medical costs, and the availability of healthcare facilities. Tailoring your insurance to the US ensures you have adequate coverage for healthcare expenses and unexpected emergencies while abroad. 

Top 5 Visitor Insurance Plans 

1. Safe Travels USA Comprehensive 

Safe Travels USA Comprehensive is an affordable comprehensive visitor insurance plan for US visitors, making it an ideal policy for senior citizens. The plan covers medical and accident expenses, medical evacuation, repatriation, COVID-19, doctor wellness visit, trip interruption, baggage loss, and more.  

Age: The plan is available until the age of 89 years. 

Duration: The plan offers coverage from 5 days to 364 days (about 12 months).  

Coverage highlights: Choice of five plan limits (varies per the age)– $50,000, $100,000, $250,000, $500,000 or $1,000,000, 100% co-insurance after deductible, COVID-19 is treated like any other illness, $125 Doctor Wellness Visit Benefit, Emergency medical evacuation – up to $2,000,000, Medically necessary repatriation up to $15,000, Trip Interruption coverage up to $5,000, Accidental Death and Dismemberment up to $25,000, etc.  

Notable features: Medically necessary Repatriation, Optional Athletic Sports coverage, Home country coverage, and 24-hour AD&D, Mental/Nervous disorder up to $2,500, and Dental treatment up to $250 for injury or pain to a sound natural tooth. 

Cost: For a 63-year-old individual, the premium is approximately $251.72 for a $500,000 policy maximum and a $500 deductible for 31-days coverage. The premium changes if you change age, policy maximum, deductible, and length of stay. 

Underwriter: Crum & Forster 

AM Rating: A (Excellent) 

2. Patriot America Plus 

Patriot America Plus is ideal for parents, family or friends visiting the US from their home country. It offers benefits such as hospitalization, prescription drugs, and urgent care visits. Additional benefits include acute onset of non-chronic pre-existing conditions as well as AD&D, Trip Interruption, Repatriation, Evacuation, and more. 

Age: The plan is available for individuals 14 days (about 2 weeks) to 99 years.  

Duration: It can be purchased from 5 days to 12 months and then renewed up to 2 years. 

Coverage highlights: Choice of plan limits (can vary per the age)- $50,000, $100,000, $500,000, and $1 million, Choice of deductibles- $0, $100, $250, $500, $1,000 or $2,500, $25 copay for urgent care and $15 copay for walk-in clinic, Coinsurance is waived in-network, Prescription drugs and medicines up to the maximum limit, Emergency medical evacuation up to $1,000,000, Accidental Death and Dismemberment up to $50,000, and more. 

Notable features: Along with the medical, evacuation, repatriation, optional riders are available for Adventure Sports (for ages up to 65 years), Enhanced AD&D (for individuals only), Evacuation Plus and Chaperone/Faculty Leader (for groups only). Traumatic dental injury for an accident is up to the maximum limit, Dental Treatment to sound natural teeth up to $300, Pet Return up to $1,000 maximum limit, etc. 

Cost: For a 63-year-old individual, the premium is approximately $254.17 for a $500,000 policy maximum and a $500 deductible for 31-days coverage. 

Underwriter: SiriusPoint Ltd. 

Ratings: A- 

3. Visit USA 

Visit USA is a comprehensive visitor insurance plan that offers 3 categories of policies to senior Indian travelers- Budget Plan, Standard Plan, and Superior Plan. It offers coverage for accident and sickness medical expenses, emergency medical evacuation, urgent care, accidental death and dismemberment, repatriation of remains, COVID-19, emergency reunion, emergency travel assistance, and more. 

Age: Age eligibility from 14 days (about 2 weeks) to 80 years and above. Some plans cover up to 69 years (Plan B for both Budget and Standard plan).  

Duration: It can be purchased from 5 days to 364 days (about 12 months). 

Coverage highlights: Choice of plans- Budget Plan (Plan A and B), Standard Plan (Plan A and B), and Superior Plan (Plan A and B), Choice of policy maximum- $50,000, $75,000, $150,000, $200,000, and $250,000, Choice of deductibles- $0, $50, $100, $250, $500, and $1000, $50 co-payment for Urgent Care Visits (waived with a $0 deductible) with the Standard and Superior Plan, Emergency medical evacuation up to $500,000, Emergency reunion up to $15,000, and COVID-19 coverage is included for all categories of plans. 

Notable features: Medical Evacuation up to $ 250,000-lifetime maximum, Repatriation up to $50,000 or $5,000 for cremation or burial, Pregnancy complications up to the first 26 weeks (about 6 months), Dental accidents up to $1,000,  and more. 

Cost: For a 63-year-old individual, the premium is approximately $181.08 for a $200,000 policy maximum and a $500 deductible for 31-days coverage. 

Underwriter: Llyods 

Ratings: A (Excellent) 

4. Visitors Care 

Visitors Care is a fixed benefit plan offering coverage for medical expenses for injuries and illnesses including hospitalization, surgery, physician visits, and prescriptions with pre-defined limits. Evacuation as well as Repatriation coverage is included. It offers 3 categories of policies- Lite, Plus, and Platinum. 

Age: Offers coverage for travelers up to 99 years old. 

Duration: Plan offers coverage from 5 days to 2 years. 

Coverage highlights: It has three plan levels- $25,000 per illness/injury (Lite), $50,000 per illness/injury (Plus), and $100,000 per illness/injury (Platinum);, Choice of deductible options- $0, $50, $100; a maximum of $25,000  per coverage period for an acute onset of pre-existing conditions (subject to sub-limits) below the age of 70 years, COVID-19 coverage inside the US, $40 per visit for Physical therapy, and more. 

Notable features: Doctor visits up to $85 max per visit (30 max visits per period of coverage), Prescription drugs $250 max per period of coverage, Dental accidents up to $550, Medical Evacuation up to $50,000, Ambulance $475 per period of coverage,  and more. 

Cost: For a 63-year-old individual, the premium is approximately $78.12 for a $100,000 policy maximum and a $100 deductible for 31-days coverage. 

Underwriter: SiriusPoint Ltd. 

Ratings: A- 

5. Safe Travels Elite 

Safe Travels Elite is yet another fixed benefit plan available to Indian seniors. It offers coverage for in-patient and out-patient coverage for medical illnesses and accidents with sub-limits. Acute on-set of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and more are also covered. 

Age: The plan is available from ages 14 days (about 2 weeks) to 89 years.  

Duration: Plan offers coverage from 5 days to 364 days (about 12 months). 

Coverage highlights: Choice of policy maximum- $25,000, $50,000, $75,000, $100,000, and $175,000; $125 for Well Doctor Visit within the first 21 days (about 3 weeks) from the effective date of coverage provided the plan has been bought for at least 30 days (about 4 and a half weeks);, covers one Acute Onset episode of a Pre-Existing condition; COVID-19 covered as any other illness, and more. 

Notable features: Doctor Visits $100 per visit (1 visit per day, 30 visits per injury sickness); Prescription drugs $350 per injury sickness, Dental accidents $750 max; Unlimited Medical Evacuation coverage; Ambulance $650 per injury sickness, and more . 

Cost: For a 63-year-old individual, the premium is approximately $89.90 for a $100,000 policy maximum and a $0 deductible for 31-days coverage. 

Underwriter: Crum & Forster 

Ratings: A (Excellent) 

Conclusion 

Travel insurance is a crucial aspect of planning a trip, especially for senior citizens heading to the US. It offers financial protection and peace of mind, ensuring that unexpected events do not disrupt the travel experience. By considering the age eligibility, coverage highlights, notable features, and other factors mentioned above, senior citizens can select the travel insurance plan that best suits their needs, allowing them to explore the wonders of the country with confidence. 

For more information, call Visitor Guard®.