Where can I purchase health insurance for an elderly relative (80+) visiting the US?

11/16/2016 11:34:38 PM

Some time ago I asked a very similar question – about an elderly relative visiting me in UK from Georgia. This question is here – Travel insurance for elderly visitor from Georgia to UK .

I ended up buying the insurance from the company I mentioned in my question – http://www.imgeurope.co.uk – the quote was reasonable and they didn’t mind the age. They do offer coverage for citizens/residents of any country visiting any other country.

EDIT: I just went through the quote process on imgeurope – putting random details for a 80-year old citizen of Ukrain living in Ukraine, travelling to USA for 3 month. The good news is that they do offer a cover. The not-so-good news is that the amount of cover isn’t that great, although probably acceptable.

The was I’m reading it, you get up to US $10,000 per incident, with optional up to $200,000 cover for major accident, plus repatriation expenses and such.

The other not-so-good news is that it’s rather expensive. Depending on the deductible, the premium runs from about $1,000 for the 3 months with $2,500 deductible to almost $2,000 with a $0 deductible.

Feel free to browse for yourself – you don’t need to enter any personal information to get the basic quote, only the age, gender and the relevant countries.

11/16/2016 5:04:46 PM

Brokers and members of Lloyd’s of London pride themselves on insuring anything insurable (so not normally against events that have already occurred). They have for example insured Jimmy Durante’s nose, Keith Richards’ fingers and Holly Madison’s breasts.

So if every other avenue turns out to be a dead end, contact an insurance broker and it is very likely that something suitable could be arranged, for a fee.

Selecting your own insurance company may however be cheaper. The UK consumer magazine Which? undertook a survey (based on April 2016 premia, an update is due in November 2016) and they include many companies prepared to provide travel insurance cover that (a) includes USA and (b) provides for “at least £2 million of medical cover for Europe and £5 million worldwide”. Since Which? has separately categorised trips of up to 24 days I presume “annual trip” may allow longer than 24 days at a time, but that should definitely be checked as many policies will not cover a long but single trip.

Some of the above cover individuals aged over 80 years, of which some cover those over 85 years. I am not sure how nationality may affect coverage/premia but recognise that at least one of the insurers is part of a group that claims “We are a global insurance company with presence in 49 countries across all the five continents”.

It happens I have also seen the site (with a .co.uk domain) for AllClear Travel Insurance which mentions “Medical travel insurance with a Big Tick Any condition. Any age. Any Destination.” and “AllClear is the specialist medical travel insurance provider for travellers who have difficulty getting cover elsewhere”.

Travel. SE is not here to give specific recommendations and I do not endorse any of the above (nor have I any connections with any except that I myself am covered by one of the companies mentioned by Which?). However it does seem possible to obtain the coverage you seek. A good price would require shopping around, which we are not here to do for you.

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About me

Hello,My name is Aparna Patel,I’m a Travel Blogger and Photographer who travel the world full-time with my hubby.I like to share my travel experience.

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