Millions of professionals, especially in the IT field, have settled in the US from foreign countries such as India, China and others. They have spent their childhood in their native country where their parents raised them and got them educated, sometimes with a lot of financial difficulties. Now that they are settled in the US and have good jobs, they would like to invite their parents and in-laws to come and visit them. This allows their parents to spend time with their grandchildren, visit various tourist attractions across the US, and to take part in other events such as graduation, a house warming, or a baby shower.
Most of these visitors are senior citizens. It is very important to get a proper travel insurance for senior citizens traveling to USA. At a higher age, comes some diseases and a gradual deterioration of the body.
Some relatives are here for only a short duration, while others are in the US for 4 to 6 months, or even a longer duration, as long as one year.
Since healthcare expenses are the highest in the US, it is very important to purchase proper travel insurance for senior citizens traveling to the USA. There is always a possibility of contracting unexpected new illnesses or getting into an accident. Without proper travel insurance, obtaining medical treatment for senior citizens traveling to USA would be extremely difficult and out of reach for most people.
There are many travel insurance plans available to senior citizens who are traveling to the USA, both in the US and in their home country. It is certainly preferred to purchase visitors insurance from a US based company. In the US, there are many travel insurance plans available and sorting through all of them can be time consuming.
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However, the following are the most famous travel insurance plans for senior citizens traveling to the USA:
- Atlas America
Atlas America is a very popular comprehensive travel insurance for all ages up to 79 years. After the deductible, Atlas America covers 100% up to the policy maximum. If you visit an US urgent care or walk in clinic, you only pay $15 copay and the deductible is waived.
In addition to the standard travel insurance benefits such as emergency medical evacuation, repatriation of remains, trip interruption and loss of checked baggage, it also has many unique benefits such as an emergency eye exam, border entry protection, and loss of passport or travel documents.
Since it provides the highest amount of coverage for acute onset of pre-existing conditions for age up to 79 years, it is the most popular travel insurance.
- Beacon America
Beacon America Insurance provides comprehensive travel insurance for non-U.S. citizens traveling to the U.S. People under the age of 70 have the most policy maximum options to choose from ranging from $60,000 to $1,100,000. The policy maximum options for those aged 70-79 years are $25,000 and $50,000; and 80 years and older is $12,000.
If you visit an urgent care in the U.S., the deductible is waived and you pay the copay of $35.
Including the standard travel insurance benefits, there are other coverages included in Beacon America such as border entry protection and an emergency eye exam. This plan also includes coverage for acute onset of pre-existing conditions for ages 0 through 69 years.
- Patriot America Plus
Patriot America Plus is another popular comprehensive travel insurance, primarily for persons under the age of 70 years. After deductible, within the PPO network, Patriot America Plus covers 100% up to the policy maximum. For US urgent care, the copay is $25 and for walk-in clinic, the copay is $15 with the deductible being waived in both cases.
Acute onset of pre-existing conditions is covered up to the policy maximum for persons under the age of 70 years.
- Safe Travels USA Comprehensive
Safe Travels USA Comprehensive provides excellent comprehensive coverage for all ages up to 89 years.
It has some unique features not found in most other plans. If you visit the provider within the PPO network, the deductible is waived. Therefore, you can take a higher deductible and save some premium. It also covers one wellness visit, which is a very generous benefit, normally not found in travel insurance. For US urgent care, you pay $30 copay and the deductible is waived.
It provides $50,000 coverage for new medical conditions and $35,000 (cardiac $15,000) for the 80-89 age group. It is the most famous travel insurance for senior citizens in their 80s.
Different senior citizens have different needs and not the same travel insurance is the best for all visitors to the USA. Therefore, it is very important to understand the specific needs of each traveler, do some research, and accordingly provide the most suitable plan. You can visit insubuy.com to get instant quotes from multiple products, do comprehensive analysis and research, and then purchase it online. Of course, for any professional help, you can contact toll-free (866) INSUBUY or +1 (972) 985-4400 to speak to a licensed insurance representative in the US, available five days a week.
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