When I came to the US, one of the things I had on my checklist was to bring my parents to the US. And that’s how I researched on this subject and unearthed lot of hurdles. I wasn’t sure if I should get travel insurance for them first. But later found out that it’s probably the most important thing I could buy during their visit. In this article, I’ll talk about the best travel insurance plans for senior citizens and the elderly and why you should get them.
Why get medical & travel insurance for senior citizens?
This appears to be very obvious, right? They are elderly people and need more protection against risks. True, but there are some more things you got to understand. Travel has become so much a hassle these days. TSA checks, baggage losses, cancelled flights and what not. Even young folks with so much connectivity and information can make mistakes during travel. For senior citizens, there is too much to worry about during travels. Unfortunate things are happening more commonly these days and it is important to protect them from these risks. Travel insurance these days are catered specifically for senior citizens and offer quite a lot. Let’s look at some of the best medical & travel insurance plans for senior citizens and elderly folks here.
This is a medical & travel insurance plan from International Medical Group. It’s a comprehensive travel medical insurance plan for non-U.S. citizens traveling. (Learn about type of travel insurance plans here) The plan offers all the standard benefits available 24 hours a day to every individual, families or groups of five or more travelers. This is one of the most popular travel plans among senior citizens.
Advantages of Patriot America Plus Insurance
- Comprehensive coverage for an affordable premium.
- Acute onset of pre-existing condition coverage available up to selected policy maximum.
- PPO network.
- Deductible must be satisfied only once per policy period.
- Renewable online, cancellable, and refundable.
First thing about Atlas America is that it’s a popular insurance company. I’ve heard about it from many of my friends even before getting my first plan. I researched on why it is so popular and found that it’s very cheap compared to other plans and offers great coverage and benefits. It covers acute onset of pre-existing conditions, up to $1,000,000 for age under 70 yrs. (Check plan for details).
Things to be mindful of while choosing medical & travel insurance for seniors
- Make sure the benefits are clear and shared with you in writing.
- Ensure that the age limit is clear and you are covered.
- Check what pre-existing conditions are covered and not if you are getting such a plan.
- Ensure you buy the plan before your flight.
- Get online quotes before you buy the plan.
Those are the travel insurance plans I recommend for senior citizens. Here is the full list.