Many people invite relatives, such as their parents or in-laws, in their 70s 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 of travel medical insurance for seniors over 70, no medical exam is required and no medical information needs to be provided at the time of purchase.
People frequently ask, "What is the best medical insurance for senior citizens traveling to the USA?"
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 that everyone buy the comprehensive coverage plans. The choices are based on what policy maximum you would like.
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Comprehensive Coverage
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$500,000
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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 and not refundable, be sure to purchase the exact duration necessary. Not available in the states of Kansas, Maryland, New Mexico, 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
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$250,000
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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 Mexico, New York or South Dakota.
International Major Medical does not include coverage for pre-existing conditions or preventative care.
Complete Details
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$100,000
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Safe Travels USA Comprehensive
After deductible, it pays 100% up to the policy maximum.
Safe Travels USA Comprehensive participates in the United Healthcare PPO network, and is extendable in daily increments with a five-day minimum. If you need to cancel coverage early, you can receive a pro-rated refund minus a $50 cancellation fee so long as no claims have been filed since the effective date.
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Atlas America
After deductible, it pays 100% up to the policy maximum.
Atlas America participates in United Healthcare PPO Network and it is extendable up to 12 months. In case of early departure, the refundable 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 for acute onset of pre-existing conditions. Complete Details
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Patriot America Platinum
After deductible, it pays 100% up to the policy maximum, $100,000.
It participates in United Healthcare PPO Network, it is extendable in case of early departure, and it is refundable if no claims have been filed minus $50 cancellation fee.
This plan is not available in the state of Maryland and New York.
For those who are eligible, this plan is an excellent choice.
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Other available plans are
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$50,000
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.
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Atlas America
After deductible, it pays 100% up to the policy maximum.
Atlas America participates in United Healthcare PPO Network and it is extendable up to 12 months. In case of early departure, the refundable 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 for acute onset of pre-existing conditions. Complete Details
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Beacon America
If you visit medical providers within the United Healthcare PPO, after the deductible is paid, the plan will pay 100% up to the policy maximum (outside the network: 80% up to $5,000, then up to the policy maximum).
It is extendable in daily increments with a 5 day minimum purchase and is refundable in case of early departure, minus a $25 cancellation fee and as long as no claims have been filed.
This insurance plan does not provide coverage for an acute onset of a pre-existing condition for people age 70 and over. Complete Details
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Safe Travels USA Comprehensive
After deductible, it pays 100% up to the policy maximum.
It is extendable with a minimum of 5 days initial purchase and is refundable in case of early departure. The refund is pro-rated for the unused duration minus a $50 cancellation fee as long as no claims have been filed.
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Patriot America Plus
After the deductible is met, in network the plan pays 100% (outside of the network: 90% up to $5,000, then) to the policy maximum.
It participates in the United Healthcare PPO Network, and is extendable and refundable in case of early departure so long as no claims have been filed and minus a $50 cancellation fee.
This insurance plan does not provide coverage for an acute onset of a pre-existing condition for people age 70 and older. Complete Details
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Fixed Coverage
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$100,000
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Safe Travels Elite
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.
It is extendable and refundable.
This insurance plan provides coverage for an acute onset of a pre-existing condition. Complete Details
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Safe Travels Elite PPO
A unique fixed coverage plan with First Health PPO network access; this plan offers up to a $100,000 policy maximum for ages 70-89.
Like all fixed coverage plans, Safe Travels Elite PPO pays according to a schedule of benefits.
The plan is extendable and refundable, and covers acute onset of pre-existing conditions.
Complete Details -
Visitors Care
Provides limited coverage for an acute onset of a pre-existing condition up to the selected policy maximum for people under the age of 70. Complete Details
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$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.
Best Visitor Insurance Plans for Parents Aged 70 to 79 in 2026
The best travel medical insurance for seniors over 70 depends on several critical factors, including age, policy maximum, deductible, coverage needs, and budget. With fewer plans available in the 70–79 age group, closer comparison becomes especially important.
| Plan | Coverage Type | Policy Maximum for Ages 70–79 | Acute Onset of Pre-Existing Conditions | How Coverage Pays |
|---|---|---|---|---|
| International Major Medical | Comprehensive | Up to $500,000 for ages 70–74; up to $250,000 for ages 75–79 | Not covered | Pays 100% of eligible expenses after the deductible, up to the policy maximum |
| Atlas America | Comprehensive | $50,000 or $100,000 | Up to the overall maximum limit for travelers under age 80 | Pays 100% of eligible expenses after the deductible, up to the policy maximum |
| Patriot America Platinum | Comprehensive | $100,000 | Not covered for ages 70–79 | Pays 100% of eligible expenses after the deductible, up to the policy maximum |
| Safe Travels USA Comprehensive | Comprehensive | $50,000 or $100,000 | Up to $35,000 for ages 70–79 | Pays 100% of eligible expenses after the deductible, up to the policy maximum |
| Beacon America | Comprehensive | $25,000 or $50,000 | Not covered for ages 70–79 | In network: pays 100% after the deductible. Out of network: pays 80% of the next $5,000, then 100% up to the policy maximum. |
| Safe Travels Elite PPO | Fixed | $50,000 (Diamond plan); $100,000 (Diamond Plus plan) | Covered; benefit limits apply | Pays according to the selected fixed-benefit schedule |
Over 70s Insurance for Parents Visiting the USA
Insurance needs often become more complex after age 70. Plan availability may be more limited. Policy maximums may decrease with age. Some benefits may have separate age-based limits. Deductible choices may become more restrictive.
When comparing over 70s insurance, focus on how coverage applies in practice. Check the amount a plan may pay for eligible medical care, the portion the traveler may need to pay, and any benefit-specific limits that apply at the traveler’s age. Coverage for acute onset of pre-existing conditions also deserves close review, as availability and limits can vary significantly across plans. Careful comparison is especially important for older travelers, since small differences in plan terms may lead to much larger differences in out-of-pocket costs.
How Much Does Visitor Insurance Cost for Parents Aged 70 to 79?
Sample prices use a $1,000 deductible and two policy maximum tiers: $50,000 and $100,000. Over 70s insurance costs vary based on several factors, including age, trip length, policy maximum, and selected plan.
$50,000 Policy Maximum
| Plan | Age 70 (30 Days) | Age 70 (60 Days) | Age 75 (30 Days) | Age 75 (60 Days) |
|---|---|---|---|---|
| International Major Medical | $364 ($12.13/day) | $728 ($12.13/day) | $540 ($18.00/day) | $1,080 ($18.00/day) |
| Atlas America | $267.90 ($8.93/day) | $535.80 ($8.93/day) | $267.90 ($8.93/day) | $535.80 ($8.93/day) |
| Safe Travels USA Comprehensive | $241.50 ($8.05/day) | $483.00 ($8.05/day) | $241.50 ($8.05/day) | $483.00 ($8.05/day) |
$100,000 Policy Maximum
| Plan | Age 70 (30 Days) | Age 70 (60 Days) | Age 75 (30 Days) | Age 75 (60 Days) |
|---|---|---|---|---|
| International Major Medical | $469 ($15.63/day) | $937 ($15.62/day) | $697 ($23.23/day) | $1,394 ($23.23/day) |
| Atlas America | $335.10 ($11.17/day) | $670.20 ($11.17/day) | $335.10 ($11.17/day) | $670.20 ($11.17/day) |
| Safe Travels USA Comprehensive | $384.30 ($12.81/day) | $768.60 ($12.81/day) | $384.30 ($12.81/day) | $768.60 ($12.81/day) |
Actual rates may vary based on the traveler’s information, destination, coverage dates, and selected benefits. Rates and available coverage at the time of purchase may differ from the sample quotes.
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