Travel Insurance

Best Medical Insurance for USA Visitors Based on Age

“There will be very few occasions when you are absolutely certain about anything. You will consistently be called upon to make decisions with limited information. That being the case, your goal should not be to eliminate uncertainty. Instead, you must develop the art of being clear in the face of uncertainty.” ~ Andy Stanley

As they always say, the only thing certain in life is uncertainty. And as Andy Stanley suggests above, the only way to deal with all this uncertainty is to stay prepared. This is especially true when you are traveling far from home. Given the cost of medical care in the US, one way to prepare yourself for uncertainties while traveling is to choose a good medical insurance plan.

The problem is that a lot depends on the age of the policy holder. So, to make things easy for you, here is a list of the best medical insurance plans for different age groups.

Related: Best Health Insurance for Visitors to USA

Up to the Age of 50

Visitors Care: Since people within this age group are mostly physically fit and more aware of their surroundings, their chances of meeting an accident or falling seriously ill are low. Hence, a basic travel health plan would be sufficient. Visitors Care is a basic travel health plan that offers a fixed pre-defined limit for each medical service. This plan also allows you to visit any doctor or hospital of your choice.

Choice America: This is another basic coverage travel plan that is available at a very affordable price. Choice America is highly popular amongst the travellers to the US, Mexico and Canada.

If you’re traveling in 2021, I recommend checking out the updated travel rules for USA.

Up to the Age of 70

Patriot America Plus: Patriot America Plus is a comprehensive coverage policy that offers 100% (in network) coverage up to the policy maximum, once the deductible is met. This plan offers coverage for medical costs of up to $1,000,000, with a variable deductible, coverage for sudden recurrence of pre-existing medical condition up to an age of below 70 years, emergency medical evacuation and more.

Above 70

Patriot Platinum: Rated A (Excellent) by AM Best and A by Standard & Poor’s, Patriot Platinum is a very comprehensive travel insurance plan, including high-limit travel medical coverage, including terrorism, sports activities, trip interruption, and AD&D.

If you have questions, please let me know in comments.

Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US. Add me on WhatsApp if you have any queries (+1-408-489-4785)