Visitor Medical Insurance Coverage for Visitors 80 Years Of Age and Older

Visitor Medical Insurance Coverage for Visitors 80 Years Of Age and Older

There are many elderly relatives visiting their family in the U.S. who are 80 years of age or older (80+). As life insurance, health insurance, travel insurance or visitors insurance primarily look at the age of the person to determine the availability of the plans, as well as the premium, there are few choices of travel medical insurance for seniors over 80, compared to much younger persons.

In short, there are a limited number of options when it comes to health insurance for elderly visitors to the USA who are over 80. Some people argue that their relative is quite healthy at that age and therefore, should be given a much higher policy maximum or a cheaper rate. However, insurance companies determine benefits and rates based on an average claims experience and not based on one person. In any of the available plans, no medical exam is required and no medical information needs to be provided at the time of purchase.

Often the question remains: What is the best visitors insurance, or best travel insurance for seniors visiting the USA who are 80 or older?

Before discussing the visitor medical insurance plans, it is important to first discuss the types of visitors insurance plans:

  • Fixed Coverage: Limited coverage, cheaper plans
  • Comprehensive Coverage: Better coverage, more expensive.

We always advise our customers to purchase the comprehensive coverage plans. The choices are based on what policy maximum you would like. In the comprehensive coverage category, you can get a maximum $50,000.

  • Comprehensive Coverage

    • $50,000

      • Safe Travels USA

        After deductible, pays 90% up to $2,500, then 100% to policy maximum $50,000.

        It participates in the First Health PPO network, and is extendable in case the stay is extended and is refundable in case of early departure. The refund is pro-rated for the unused duration minus a $25 cancellation fee as long as no claims have been filed. Complete Details

      • International Major Medical Plan

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

        This plan is only available for ages 80 through 84. It participates in the First Health PPO network, however, it is not extendable and is not refundable in case of early departure. The minimum deductible available is $2,500. Coverage is not available in all states and a notarized affidavit is required in a few states.

        However, in addition to visitors to USA, new immigrants can also purchase this insurance. Complete Details

    • $10,000 to $20,000

      In this policy maximum range, there are many different insurance plans available. You can get instant quotes, compare and make instant purchases online.

  • Fixed Coverage

    • $100,000

      • Safe Travels Elite - Diamond Plus

        Participates in the First Health PPO network and provides a $100,000 policy maximum for ages 80 through 89. This plan is extendable when purchased for a minimum of 5 days and is refundable in the event of early departure. The refund is pro-rated for the unused duration minus a $25 cancellation fee as long as no claims have been filed. As the plan pays a fixed amount for each procedure and you pay the difference, we suggest choosing a $50,000 comprehensive coverage plan over $100,000 fixed coverage plan.

        In addition, this plan provides up to $15,000 coverage for an acute onset of a pre-existing condition for ages 80 - 89. Complete Details

    • $50,000

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.

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