Senior Travel Insurance
Seniors deserve to enjoy life to the maximum in their golden years, and what better way to reward yourself than traveling to different parts of the world?
However, as a senior, chances are that you are more vulnerable to illness, injury, and medical emergencies, which can create serious financial challenges if it happens while you are away from your home country. This is where senior travel insurance comes in.
Medical care in the US can be extremely expensive, and just one night’s hospitalization could set you back thousands of dollars. Therefore, buying adequate protection through visitor medical plans like the Safe Travels USA Comprehensive insurance or the Atlas America insurance is a highly prudent choice for any senior visiting the United States.
Safe Travel USA Comprehensive$66 / mo (for a 45-year-old with $50,000 plan maximum)
- Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs
- Urgent Care – $30 copay and No Deductible
- Well Visit/Physical Check UP
- In Network, Deductible and Co insurance waived
1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y & above
Safe Travels USA Comprehensive – The Best Travel Insurance Plan for Seniors
As a senior, when you choose Safe Travels USA Comprehensive insurance policy, you can travel from your home country to the US with a complete sense of security about your finances related to health risks arising in a foreign country.
The Safe Travel USA Comprehensive is underwritten by Crum and Foster. This policy provides accident and sickness medical coverage for individuals traveling outside their home country. The policy can be bought from 5 days to 1 year and later renewed for a total of 24 consecutive months. The policy provides various options for coverage starting at $50K through $1M. An Urgent Care visit has a $30 copay. If you are treated by an in-network provider your deductible and co-insurance are waived. You can review the Brochure for details.
Should Seniors Buy Travel Insurance?
Seniors planning to visit the United States from their home country to meet their children, family members, or friends, as leisure tourists, or for any other purpose, should be aware of how costly medical care in the US can be.
Unexpected medical emergencies can turn your much-awaited visit to the US into a nightmare. The risk is often higher for seniors because of their age, frail health, or multiple medical conditions.
Therefore, investing in a comprehensive travel insurance plan makes sense for all seniors, especially when they are visiting the US, which ranks among countries with the most expensive medical care. In absence of the financial assurance and peace of mind that your travel insurance policy can provide, your vacation will remain incomplete and stressful.
When you choose a good policy, such as Safe Travels USA Comprehensive Plan, you can leave all your financial worries related to a health emergency at home and enjoy your travel to the U.S. with a free mind.
Advantages of Senior Travel Insurance
With a good senior travel insurance plan, you can expect to get the following advantages:
- Secures you during your travel from the home country and during your stay in the U.S.
- Coverage is provided even for an acute onset of a pre-existing medical condition
- No medical test required in most cases
- Minimal need for documentation
- Easy application process
- Cashless hospitalization
- Highly competitive rates
- Flexibility in terms of coverage amount and duration of coverage
- Easy to renew the policy up to two years
- 24/7 customer service and support
Atlas America$76 / mo (for a 45-year-old with $50,000 plan maximum)
- Hospitalization, ER, Dr. Office Visits, Prescription Drugs
- Coverage for the acute onset of pre-existing conditions
- Coverage for 5 days to 364 days
- $15 co-pay for Urgent Care
Covered up to policy maximum whichever is lower when treatment is obtained within 24 hours for acute onset of pre-existing conditions for under 80 years of age
Atlas America – Travel Insurance for Seniors
Atlas America Visitor insurance is a comprehensive Visitor Health Insurance policy providing medical insurance for visitors to the US.
The policy covers unexpected injury and illness while you are traveling outside of your home country. Seniors who are non-US citizens or residents and plan to the US, Atlas health insurance is an affordable comprehensive visitor insurance policy that you can consider for them. Atlas America is Underwritten by Certain Underwriters at Lloyd’s of London and is rated A++ (Superior) by A.M. Best Company. The plan is administered by Tokio Marine HCCMIS.
Atlas America can be bought for a minimum of 5 days up to a maximum of 364 days. You may apply for a new period of coverage after 364 days. The policy offers a range of coverage, with choices ranging from $50,000 to $2 million for the policy maximum, as well as deductible choices of $0, $100, $200 up till $5,000.
You can review the benefits of the Atlas America plan for visitors to the US in the Brochure.
How to Find the Best Travel Insurance for Seniors
Follow these simple steps to determine the right type and amount of travel insurance coverage for your travel to the US.
Assess Your Health
Depending on your medical history, current health condition, and your age, you can estimate your risk of medical emergencies while you are away from home in a foreign country. This can give you a fair idea of how much travel insurance coverage you should purchase.
Find out What Types of Coverage You Need
Consider whether you are looking for a comprehensive travel insurance coverage plan that protects you against a wide range of potential financial risks during your trip. You should also consider optional benefits, such as athletic sports coverage and “Follow Me Home,” which you can receive with a Safe Travels USA Comprehensive Plan.
Calculate the Number of Days You Need Coverage For
With the Safe Travels plan, you have a choice to buy insurance from 5 days up to a year. Consider how long you will be away from your home country, or whether you plan to undertake multiple trips to the US within a year.
Use VisitorGuard.com to Find the Best Senior Travel Insurance
VisitorGuard.com® provides you with the right information to help you find the best travel insurance. Compare plans based on what coverage is important to you and read the Online Brochure for details on benefits and exclusions. Call Us for a free quote or to learn more about Safe Travels USA Comprehensive Plan for seniors.
Safe Travel USA Comprehensive Insurance
Safe Travels USA Comprehensive insurance policy provides medical insurance to non-US citizens and non-US residents while visiting the US. The policy offers coverage for covered medical expenses including hospitalization, surgery, physician visits, and prescriptions. The plan includes one acute onset of pre-existing condition coverage and one well-check visit per policy. For more details, you can review the BrochurePurchase Now
Atlas America medical insurance is a comprehensive travel insurance policy providing medical insurance for visitors to the US, i.e. non-US citizens traveling to the US. Atlas America can be bought for a minimum of 5 days up to a maximum of 364 days. You may apply for a new period of coverage after 364 days. For more details you can review the brochurePurchase Now
Travel Insurance Seniors FAQ
Travel insurances do not cover pre-existing medical conditions. However, there are some plans that can cover the acute onset of pre-existing conditions (depending on the plan). Be sure to check till what age and how much coverage will the plan cover for an acute onset of pre-existing conditions. It is also important to check how the plan defines a pre-existing condition.
Most plans offer coverage until the age of 99 years. However, the issue is not of the age but the amount of coverage a Senior traveler will get. Many travel insurances for seniors offer coverage up to $100K for age up to 79 years. The moment your age is above 80 years, that’s when the coverage drops to $20,000 or $10,000.
No, there is no age restriction. Travel insurance policies for foreigners to the US are available till the age of 99 years however the amount of coverage you get through the policy might vary per the age.
Yes, you can buy travel medical insurance plans for senior or older travelers visiting the USA after they start the journey. However, it is a good practice to purchase travel insurance for seniors before they depart their home country so that they can be covered during their travel. It is important to understand that the insurance company will not cover an incident if it occurs before you buy the policy.
Atlas America is a comprehensive travel insurance plan available for foreigners traveling to the US. Atlas America is Underwritten by Lloyds of London, a well reputed Underwriter. The policy provides coverage for illness and injuries which need hospitalization, intensive care, surgery as well as prescriptions. The policy waives the deductible and coinsurance if in network providers are used and Urgent care visits for a minor illness or injury can be covered with a $15 copay. The plan has a wide PPO network coverage with a range of reputed providers. The plan also provides coverage for Evacuation as we Repatriation/ Return of Mortal remains. For visitors under the age of 70 years, acute onset of non-chronic pre-existing conditions can be covered per the limits if treatment is obtained within 24 hrs. Atlas America plan has excellent customer feedback and several positive reviews which makes it a popular choice among travel plans.