High Policy Maximum Visitors Medical Insurance for Seniors Visiting the USA

High Policy Maximum Visitors Medical Insurance for Seniors Visiting the USA

Many people of ethnic origin invite elderly relatives such as their parents and in-laws to visit them in the US and spend time with their family. Naturally, the relatives of a working professional are older. Many of them are in their 60s and 70s, while some of them are even in their 80s.

As healthcare costs are very high in the US, hosts are understandably concerned about the health of their visitors. If something serious were to occur, they want to make sure they’re well-protected. Therefore, they would like to get high policy maximum visitors insurance.

Unfortunately, due to higher risks associated with older age, insurance companies are not willing to provide higher coverage. Therefore, you can’t expect to find $1 million coverage for someone in the 70-79 age group, for example.

Available Visitors Insurance Plans

For the 70-79 age group, the following are suitable choices of comprehensive visitors insurance with the maximum coverage:

Atlas America 

Features

Atlas America®

Underwriter: Lloyd's

Coverage Availability 5 Days to 364 Days

Overview

After deductible, pays 100% to policy maximum.

Direct Billing

Acute onset of pre-existing conditions

Coverage to policy max for ages <80 Learn More
  • $15 copay, unless $0 deductible
  • $15 copay, unless $0 deductible
  • $1,000,000
  • To policy maximum
  • Included

Plan Details

Patriot America Platinum

Features

Restrictions

Patriot America Platinum®

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 5 Days to 3 Years

Overview

After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.

Direct Billing

Acute onset of pre-existing conditions

US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000 Learn More
  • $25 copay, unless $0 deductible
  • $15 copay, unless $0 deductible
  • To policy maximum
  • To policy maximum
  • Included

Diplomat America

Features

  • Provides $100,000 coverage

Restrictions

Diplomat America

Underwriter: Crum & Forster SPC

Coverage Availability 15 Days to 365 Days

Overview

After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Depends on provider. No PPO network.

Acute onset of pre-existing conditions

Non-US Citizens: to $10,000 for ages <70 Learn More
  • $500,000
  • $50,000
  • Included

Plan Details

International Major Medical

Features

Restrictions

Visitors Protect Insurance

Features

Restrictions

  • Not extendable

Visitors Protect

Underwriter: SiriusPoint Specialty Insurance Corporation

Coverage Availability 90 Days to 1 Year

Overview

After deductible, pays 75% to policy maximum.
Outside PPO Network: After deductible, pays 60% to policy maximum.

Direct Billing

Pre-Existing Conditions

$25,000 up to age 69; $20,000 for ages 70 and older Learn More
  • $25 copay in-network, $50 copay out-of-network
  • $15 copay in-network, $25 copay out-of-network
  • $25,000
  • $25,000
  • Included

Beacon America

Features

Restrictions

  • No telemedicine coverage

Beacon America

Underwriter: Lloyd's

Coverage Availability 5 Days to 364 Days

Overview

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Acute onset of pre-existing conditions

Coverage for under age 70. $150,000 for policy maximums of $550,000 and over; $50,000 for policy maximums between $60,000 and $200,000 Learn More
  • $35 copay
  • To policy maximum
  • $50,000
  • Included, up to $100,000 or policy maximum; whichever is lower.

Plan Details

For the age group of 65-69, please look at the same list above. The exact policy maximums and other features vary. 

For the age group of 80-84, please look at Safe Travels USA Comprehensive and International Major Medical from the list above. The policy maximum and other features vary. 

How to Get a Higher Policy Maximum

When a single visitors insurance plan does not provide the required policy maximum, you can consider purchasing multiple visitors insurance plans to get an overall higher policy maximum.

When you purchase two or more visitors or travel medical insurance plans, each plan is considered secondary to another plan. 

Various insurance companies have a question in their claim forms such as ‘Do you have any other insurance?’ Therefore, when making a claim, you must disclose to both insurance companies that you have other insurance. You cannot simply hide that fact and choose to use only one of the plans for smaller expenses. 

Both insurance companies will contact each other and go through 'Coordination of Benefits' to pay their prorated share for eligible medical expenses. 

For smaller expenses, dealing with two insurance companies is double the administrative work for you. However, if you run into larger medical expenses, it would be worthwhile for you to have significantly greater coverage.

Please note that in order for this to work, you must purchase separate plans from different insurance companies. Purchasing the same plan multiple times will not work.

For example, you may purchase Safe Travels USA Comprehensive and Atlas America together because they are two separate plans from different companies. However, you cannot purchase Atlas America and Atlas Premium America together, because they are both from the same company.

Please contact us before making a decision to purchase multiple plans if you have any questions. 

Claiming From Multiple Companies

Someone may ask ‘Can I really claim from multiple companies for the same insurance claim?’

Of course, if you have a $5,000 eligible medical expense, you can’t claim the same $5,000 from multiple insurance companies (by hiding that you have another insurance plan) and attempt to collect a total of $10,000 or $15,000, thus trying to make profit. That would be illegal, and insurance fraud.

However, if you purchase two insurance policies that are $100,000 each you have $200,000 of total eligible medical expenses, you can definitely claim $100,000 from each company for a total of $200,000. That is exactly the purpose of purchasing multiple insurance plans. 

Coordination of benefits is a well-understood and basic concept in the insurance industry. Therefore, the insurance companies are used to doing it. 

Purchasing More Than Two Policies

Can you purchase more than two visitors insurance policies? 

Yes, definitely. Of course, when buying three or four policies, your total cost becomes very high. Plus, dealing with all of those policies at once can be a significant administrative burden for you. However, if you are willing to bear the expense and effort, you can certainly do it legally. 

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New 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.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More