A trip with your loved one, especially in your older years, is precious despite its challenges. Finding suitable travel health insurance for seniors above 80 can be a challenging task. It is important to stay safe and take the right measures while embarking on your travel endeavors, especially when you are a senior over 80. In this blog, we unravel the best travel health insurance for seniors over 80 so you can cherish memorable trips with your loved ones at any age.
Why Do I Need Senior Travel Medical Insurance?
Travel can be both exciting and highly unpredictable. This is even more true for seniors who are at high risk of medical emergencies, injuries, and illnesses. Your typical health insurance plan offers limited to no coverage when traveling overseas. Travel Medical Insurance that is made specially for seniors is the appropriate solution to your welfare when traveling overseas.
What Does Travel Health Insurance Cover for Senior Citizens?
Travel Health Insurance covers everything from simple injuries to emergency medical evacuation. In some cases, policies cover the acute onset of pre-existing conditions. Ensure you review your policies thoroughly and venture on your next journey with complete peace of mind.
Common Coverage Options for Seniors
The most common coverage offered to seniors by most plans is —
- Hospital Room and Board
- Intensive Care Unit
- Surgery
- Physician visits
- Outpatient surgery
- Diagnostics (X-Rays and Labs)
- Emergency
- Urgent Care
- Prescription Drugs
- Local Ambulance
- Emergency Medical Evacuation
- Repatriation of Remains
- Local Burial & Cremation
- Common Carrier Accidental Death & Dismemberment
In addition to the above, your policy may have other benefits and limitations. Be sure to review the inclusions and exclusions carefully.
Does Age Affect Travel Health Insurance Rates?
Yes. Age plays a significant role in determining insurance rates. Seniors, especially those over the age of 80, may face higher premiums due to the risk factors associated with old age. However, a travel medical insurance policy ensures you get the best possible medical care at this age.
Choosing the Right Policy For Your Needs
Here are some of the factors you must consider when choosing the right policy for your needs.
- Age
- Destination
- Duration of the Trip
- Health Risk Assessment
- Coverage
- Premiums
- Deductibles
- Network
- Customer Support
Tips For Saving Money On Travel Health Insurance For Seniors
Here are some tips to save on your travel health insurance for seniors.
- Research and Compare – Do your due diligence and compare various policies to understand what’s right for you.
- A higher deductible could result in lower premiums.
- Avoid unnecessary coverage by having your agent tailor the policy to your requirements.
- If you’re traveling in a group, consider group insurance for favorable rates and coverage.
Remember, higher quality of health care is far more important than pinching a few pennies.
Can I Get Travel Health Insurance for an 80-Year-Old?
Yes. Most providers offer travel health insurance plans for seniors over 80. There may be limitations in policy maximum availability. You can shop around for different travel health insurance plans here.
Recommendations for Affordable Travel Health Insurance for Someone Over 80
Everyone’s needs are unique. It is important to look into your individual needs and find the plan best suited to your requirements. Here are some of the plans preferred by seniors.
For Fixed Coverage – Safe Travels Elite
For Comprehensive Coverage – Safe Travels USA Cost Saver, Safe Travels USA, and Safe Travels USA Comprehensive, and Visitors Protect
What is the Best Travel Medical Insurance For Seniors?
There is no one-size-fits-all when it comes to travel medical insurance for seniors. Talk to your agents and compare different plans to understand the right fit for you and your family.
Why Choose VisitorPLANS for Senior Citizens?
VisitorPLANS is one of the largest agencies for visitor insurance, also known as travel medical insurance plans, that provide quality protection for hundreds of individuals and families worldwide. Whether you’re a student who needs medical care during your study period or a senior person visiting your family briefly, we have got you covered.
Health Insurance for Green Card Holders Over 65
Finding the right health insurance plan for a green card holder over 65 can be a daunting task. Our agents can help you identify the right plan for you based on your residential status. Patriot America Plus is among our top preferred health insurance for green card holders. You can read more about the right health insurance for green card holders over 65 on our extensive blog.
Conclusion
Regardless of age, finding a suitable travel health insurance plan is a critical task to ensure you have peace of mind and a stress-free trip. The last thing you want to do is stress yourself over where you can find the best medical care, especially when you are over 80. Remember to research your options and seek the help of your insurance agent to understand coverage options suited to your needs.
