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Visitors Insurance for Parents Over 70

Visitors Insurance for Parents Over 70

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Mar 20, 2024 (UTC +04:00)

Traveling can be an enriching experience, but it's crucial to ensure that your elderly parents are adequately protected, especially if they are over 70. With age comes a greater need for medical attention, making travel insurance a vital component of trip planning. In this article, we'll delve into the importance of visitors insurance for parents over 70, explore various options available, and provide essential tips for securing the right coverage.

Confidently travel with Visitors Insurance for Parents Over 70 during your golden years.

1. What does Visitors Insurance for Parents Over 70 cover?

Visitors insurance for parents over 70 typically covers a range of essential benefits, including:

Medical Expenses: This includes coverage for doctor visits, hospitalization, prescription medications, and emergency medical treatment resulting from unforeseen illnesses or injuries during the trip.

Emergency Medical Evacuation: In the event of a serious medical emergency that requires specialized care not available locally, visitors insurance may cover the cost of emergency medical evacuation to the nearest appropriate medical facility.

Trip Interruption and Cancellation: Some insurance plans provide coverage for trip interruption or cancellation due to unforeseen events such as illness, injury, or death of a family member.

If your trip has to be cut short or canceled, travel insurance may provide reimbursement.

If your trip has to be cut short or canceled, travel insurance may provide reimbursement.

Repatriation of Remains: In the unfortunate event of a loved one passing away while traveling abroad, visitors insurance may cover the cost of repatriating their remains to their home country.

Travel Assistance Services: Many insurance plans offer 24/7 travel assistance services, including help with lost passports, emergency cash transfers, and travel arrangements in case of an emergency.

Optional Add-Ons: Common optional add-ons include coverage for adventure sports or hazardous activities, coverage for baggage loss or delay, and additional coverage for high-value items.

2. Types of Visitors Insurance for Parents Over 70

When it comes to selecting visitors insurance for parents over 70, there are several types of coverage options available to meet their specific needs and preferences. Here are some common types of visitors insurance plans tailored for elderly travelers:

Comprehensive Coverage vs. Travel Medical Insurance:

Comprehensive Coverage: Comprehensive visitors insurance provides extensive coverage for a wide range of medical expenses and travel-related mishaps. This type of coverage typically includes benefits such as trip interruption and cancellation, repatriation of remains, and emergency medical evacuation, in addition to medical expenses coverage.
Travel Medical Insurance: Travel medical insurance, on the other hand, focuses specifically on covering medical expenses incurred during travel. While it may not include benefits such as trip interruption and cancellation, it offers robust coverage for doctor visits, hospitalization, prescription medications, and emergency medical treatment.

Travel Medical Insurance - one of the best options for visitors insurance for parents.

Travel Medical Insurance - one of the best options for visitors insurance for parents.

Single Trip vs. Multi-Trip Coverage:

Single Trip Coverage: Single trip visitors insurance provides coverage for a specific trip, offering protection for the duration of that trip only. This type of coverage is ideal for parents over 70 who are planning a one-time journey and do not anticipate traveling frequently.
Multi-Trip Coverage: Multi-trip visitors insurance offers continuous coverage for multiple trips within a specified period, typically one year. Elderly parents who travel frequently or have multiple trips planned throughout the year may benefit from the convenience and cost savings of multi-trip coverage.

3. Some options of Visitors Insurance for Parents Over 70

Here are some options to consider when purchasing travel insurance for parents over 70:

3.1 Patriot Travel Series

Patriot Travel Series
1	Age	14 days to 99 years
2	Period of coverage	5 days to 12 months
4	Sumary	Each plan within the Patriot Travel Series provides various levels of coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

HIGHLIGHTS
	Patriot America® Plus	Patriot Lite Travel Medical InsuranceSM	Patriot Platinum Travel Medical InsuranceSM
Maximum Limit	Up to $1,000,000	Up to $1,000,000	Up to $8,000,000
Medical Expenses	Up to the maximum limit	Up to the maximum limit	Up to the maximum limit
Covid-19 Medical Expenses	Covered and treated as any other Sickness	Covered and treated as any other Sickness	Covered and treated as any other Sickness
Emergency Medical Evacuation	$1,000,000	$1,000,000	Up to the maximum limit
Emergency Reunion	$100,000 maximum limit	$100,000 maximum limit	$100,000 maximum limit
Identity Theft	$500 maximum limit	$500 maximum limit	$500 maximum limit
Lost Luggage	$500 maximum limit, $50 per item	$500 maximum limit, $50 per item	$500 maximum limit, $50 per item
Personal Liability	$25,000 combined maximum limit	$25,000 combined maximum limit	$25,000 combined maximum limit
Return Travel	$10,000 maximum limit	$10,000 maximum limit	$10,000 maximum limit
24-Hour Accidental Death and Dismemberment	$50,000 principal sum	$50,000 principal sum	$50,000 principal sum

3.2 Patriot Multi-Trip

Patriot Multi-TripSM
1	Age	under the age of 76
2	Period of coverage	1 year
3	Subject	Designed for those that take multiple trips throughout the year outside their country of residence.
4	Sumary	Coverage for multiple trips up to 30 or 45 days Flexibility to travel as many times per year

HIGHLIGHTS
Maximum Limit	Age Under 70: $1,000,000 Age 70-75: $50,000
Medical Expenses	Up to maximum limit
Emergency Medical Evacuation	Up to the Maximum Limit
Emergency Reunion	Up to US$ 50,000 for a max of 15 days
Trip Interruption	Up to $5,000
Identity Theft Assistance	Up to $500
Lost Baggage	Limit $250, $50 maximum per item
24-Hour Accidental Death and Dismemberment	$25,000 principal sum

3.3 GlobeHopper Senior

GlobeHopper Senior
1	Age	65+
2	Period of coverage	five days up to 12 months while on a single trip.
3	Sumary	Eligible individuals are U.S. citizens and U.S. permanent residents to plan gou outside USA with two plan designs – Single-Trip and Multi-Trip

HIGHLIGHTS
	GlobeHopper Senior Single-Trip	GlobeHopper Senior Multi-Trip
Maximum Limit	$50,000 to $1,000,000 - dependent upon age	: $100,000 to $1,000,000 - dependent upon age
Deductible	$0 to $2,500	$250 per injury or illness
Extensions	Up to 12 continuous months	Not applicable
Coinsurance	100%	100%
Sudden and unexpected reoccurrence of pre-existing conditions	$2,500 maximum limit	$5,000 maximum limit
Continuation of Treatment Period	Earlier of six months per injury or illness or upon return to home country	$5,000 maximum limit before earlier of a) 30 day per injury or illness or b) upon return to home country
Non-Emergency Medical Evacuation	$25,000 lifetime maximum	N/A (only offered under Evacuation Plus rider)
Hospital Indemnity	$250 per night, 30 overnights maximum (Not subject to deductible)	$250 per night, 5 overnights maximum (Not subject to deductible)
Local Ambulance Expense	100%, up to $5,000 maximum limit	100%

4. Where to buy Visitors Insurance for Parents Over 70?

When it comes to purchasing visitors insurance for parents over 70, there are several options to consider:

Travelner Insurance for Parents: You can visit Travelner Insurance website when looking for travel insurance for parents over 70 traveling around the world. We offer comprehensive coverage tailored to the needs of older travelers, including coverage for pre-existing medical conditions and emergency medical evacuation.

Visitor Coverage Insurance for Parents: Another option is to purchase insurance through Visitor Coverage, a company specializing in travel insurance for visitors to the United States. They offer a variety of insurance plans with customizable coverage options for elderly parents.

5. Important note when buying travel insurance for parents over 70?

It's crucial to keep in mind the following important considerations when purchasing travel insurance for parents over 70:

Pre-Existing Medical Conditions: Many insurance plans have limitations or exclusions regarding pre-existing medical conditions. Make sure to thoroughly review the policy details and understand what is and isn't covered.

Coverage Limits and Deductibles: Be aware of the coverage limits and deductibles associated with the insurance plan you choose. Higher coverage limits and lower deductibles may result in higher premiums but can provide better protection in case of a medical emergency.

Follow and consider these factors to choose the best option for you.

Follow and consider these factors to choose the best option for you.

Policy Exclusions: Familiarize yourself with any exclusions or limitations specified in the insurance policy, such as coverage for certain activities or medical treatments. Understanding these exclusions will help you avoid surprises when filing a claim.

By carefully considering these factors and purchasing visitors insurance for parents over 70 from a reputable provider like Travelner or Visitor Coverage, you can ensure that your elderly parents are adequately protected during their travels, allowing them to explore the world with confidence and peace of mind.

6. Conclusion

Visitors insurance for parents over 70 is an essential investment to ensure their safety and well-being while traveling. By understanding the coverage options available, exploring various insurance plans, and considering important factors like pre-existing conditions and policy exclusions, you can select the right insurance plan to meet your parents' needs. With comprehensive coverage in place, you can enjoy peace of mind knowing that your elderly parents are protected against unexpected medical expenses and travel-related mishaps during their adventures abroad.