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, no medical exam is required and no medical information needs to be provided at the time of purchase.
People frequently ask, "Which visitors insurance plan should I purchase from the available choices?"
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 for everyone to buy the comprehensive coverage plans. The choices are based on what policy maximum you would like.
International Major Medical Plan
Coverage is available for ages 70 to 74 only. After deductible, it pays 100% up to the policy maximum.
International Major Medical participates in the First Health PPO network. Coverage is not extendable or refundable, be sure to purchase the exact duration necessary. Not available in states Maryland, New York or South Dakota.
This plan does not cover pre-existing conditions or preventative care. This plan is suitable for people that want a higher policy maximum than other plans offer.Complete Details
Please look at the description below under $100,000.
International Major Medical Plan
This policy maximum is available for ages 75 to 79 only. After deductible, it pays 100% up to the policy maximum - $250,000.
You can find participating providers using the First Health PPO network. You should purchase for the exact duration you need because International Major Medical cannot be extended, nor can it be cancelled and refunded if you shorten your trip. This plan cannot be purchased if your mailing address is Maryland, New York or South Dakota.
International Major Medical does not include coverage for pre-existing conditions or preventative care.Complete Details
After deductible, as long as you visit the providers within the PPO network, it pays 100% up to the policy maximum.
Atlas America participates in First Health PPO network and it is extendable up to 364 days. 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 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 or $100,000 (whichever is lower) for acute onset of pre-existing conditions. Complete Details
Patriot Platinum America
After deductible, it pays 100% up to the policy maximum, $100,000.
It participates in First Health PPO network, it is extendable and in case of early departure, it is refundable if no claims have been filed minus $50 cancellation fee.
It must be purchased either before arrival into the U.S., within 30 days of arrival into the U.S. or the person to be covered under the insurance plan must have a prior international coverage that did not expire over 30 days ago prior to purchase. In other words, you can not be without insurance in the U.S. for more than 30 days in order to purchase this insurance plan. Not available in Maryland.
For those who are eligible, this plan is an excellent choice.
In addition to the new medical conditions, it also covers up to $2,500 for sudden and unexpected recurrence of pre-existing conditions.
There are many visitors insurance plans available for family visiting the USA with this policy maximum. Please visit insubuy.com to get instant quotes from multiple plans, compare them side by side and make an instant purchase online.
Safe Travels USA Comprehensive
If you visit providers that participate in the First Health PPO network, there is a $0 deductible and the plan pays 100% of covered expenses; however, if you visit an out of network provider, after the deductible has been met, the plan pays 80% of the next $5,000, and then 100% up to the policy maximum.
It participates in the First Health PPO network, it is extendable with a minimum of 5 days initial purchase and is refundable in case of early departure, minus a $25 cancellation fee and so long as no claims have been filed.
Patriot GoTravel America
After deductible has been met it pays 90% of the next $5,000, and then 100% up to the policy maximum.
This insurance plan provides coverage up to $2,500 for sudden and unexpected recurrence of pre-existing conditions. Complete Details
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.
This insurance plan does not provide coverage for an acute onset of a pre-existing condition for people age 70 and older. Complete Details
Provides $100,000 per incident coverage. While most other fixed coverage plans provide $50,000 policy maximum, Inbound Guest provides $100,000 policy maximum for 70+. Complete Details
Safe Travels for Visitors to the USA
Provides up to $100,000 policy maximum for ages 70+; like any fixed coverage plan benefits are paid as seen in the schedule of benefits.
At 29% additional premium, it provides up to $2,500 in coverage if the person is admitted into the hospital due to heart attack or stroke that is due to pre-existing conditions. Complete Details
With Lloyd's of London as the underwriter, this insurance plan has been popular for quite some time. This is one of the few plans that allows a person over the age of 70 to have a substantial amount of coverage for a reasonable price.Complete Details
$50,000 to $65,000
In this range, there are several choices available. Please visit insubuy.com to get instant quotes from multiple plans, compare them side by side and make an instant purchase online.