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Ask Our Specialists
Self and spouse wish to travel/visit U S A for two months starting April/ May 2020. My self and my spouse wish to travel/visit the US for two months in April/May 2020. We are 76 and 68 years old and wish to know if we are eligible for medical coverage at our age. If so, are pre-existing conditions covered and are there any limitations?
Please be advised that it will not be an issue purchasing a visitors insurance plan, but due to yourself and spouse being different ages at the time the insurance coverage is active you would be unable to be under the same application. This does not mean that you would need to purchase separate plans, but that you would need to do two separate applications due to the age group restrictions.
As far as pre-existing conditions go, there is no coverage available on the market for visitors at this point in time. All the plans on the market are meant to cover new injuries and new illnesses that would manifest after the policy effective date. Nothing pre-existing, preventative or routine is covered under any of the plans. There is however a benefit for the Acute Onset of Pre-Existing Conditions available under some plans that you might find interesting. Below are the links regarding the information for that benefit:
My recommendation for both of you would be purchase the Safe Travels USA Comprehensive plan. You will be able to view that plan as well as get quotes here.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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