Many people invite relatives, such as their parents or in-laws, in their 70's to visit the USA. As risk is high for those aged 70-79, the number of available insurance plans becomes limited as some insurance companies simply don't want to provide insurance to the 70+ age group; if they do offer insurance they charge a much higher premium, or they only provide benefits up to a lower policy maximum. Therefore, it is extremely important to consider your choices if any of your relatives are in the 70-79 age group. For any of the available plans of travel medical insurance for seniors over 70, no medical exam is required and no medical information needs to be provided at the time of purchase.
People frequently ask, "What is the best medical insurance for senior citizens traveling to the USA?"
Before looking at individual visitors insurance choices for parents visiting USA, you should first familiarize yourself with the types of visitors insurance plans:
- Fixed Coverage: Limited coverage, cheaper plans
- Comprehensive Coverage: Better coverage, more expensive.
We always recommend that everyone buy the comprehensive coverage plans. The choices are based on what policy maximum you would like.
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Comprehensive Coverage
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$250,000
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$100,000
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Safe Travels USA Comprehensive
After deductible, it pays 100% up to the policy maximum.
Safe Travels USA Comprehensive participates in the First Health PPO network, and is extendable in daily increments with a five-day minimum. If you need to cancel coverage early, you can receive a pro-rated refund minus a $50 cancellation fee so long as no claims have been filed since the effective date.
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Atlas America
After deductible, it pays 100% up to the policy maximum.
Atlas America participates in United Healthcare PPO Network and it is extendable up to 12 months. In case of early departure, the refundable is pro-rated for the unused duration minus a $25 cancellation fee as long as no claims have been filed since the original effective date.
Not available for people physically present in the states of MD, NY or WA at the time of purchase. For people visiting these states, it is best to buy the insurance before they arrive.
In addition to the medical expense coverage, Atlas America also provides coverage up to the policy maximum for acute onset of pre-existing conditions. Complete Details
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Patriot America Platinum
After deductible, it pays 100% up to the policy maximum, $100,000.
It participates in United Healthcare PPO Network, it is extendable in case of early departure, and it is refundable if no claims have been filed minus $50 cancellation fee.
This plan is not available in the state of Maryland and New York.
For those who are eligible, this plan is an excellent choice.
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$50,000
There are many visitors insurance plans available for family visiting the USA with this policy maximum. Please visit president.brokersnexus.com to get instant quotes from multiple plans, compare them side by side and make an instant purchase online.
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Atlas America
After deductible, it pays 100% up to the policy maximum.
Atlas America participates in United Healthcare PPO Network and it is extendable up to 12 months. In case of early departure, the refundable is pro-rated for the unused duration minus a $25 cancellation fee as long as no claims have been filed since the original effective date.
Not available for people physically present in the states of MD, NY or WA at the time of purchase. For people visiting these states, it is best to buy the insurance before they arrive.
In addition to the medical expense coverage, Atlas America also provides coverage up to the policy maximum for acute onset of pre-existing conditions. Complete Details
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Patriot America Plus
After the deductible is met, in network the plan pays 100% (outside of the network: 80% up to $5,000, then) to the policy maximum.
It participates in the United Healthcare PPO Network, and is extendable and refundable in case of early departure so long as no claims have been filed and minus a $50 cancellation fee.
This insurance plan does not provide coverage for an acute onset of a pre-existing condition for people age 70 and older. Complete Details
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Fixed Coverage
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$100,000
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Visitors Care
Provides limited coverage for an acute onset of a pre-existing condition up to the selected policy maximum for people under the age of 70. Complete Details
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$50,000 to $65,000
In this range, there are several choices available. Please visit president.brokersnexus.com to get instant quotes from multiple plans, compare them side by side and make an instant purchase online.
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