If you're looking for the best travel‑insurances for a 55–90‑year‑old traveling from India to the U.S., here's a well-rounded shortlist—based on up‑to‑date sources and real user feedback:
India-Based Plans to Consider
These Indian insurers offer senior-specific international travel policies, ideal for visa requirements and structured coverage:
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- Reliance General Senior Citizen Travel Insurance
- Offers four tiers (Standard to Platinum) with cover up to USD 500,000, including medical treatment, evacuation, baggage loss, trip delays, passport loss, and even compassionate visits Reliance General Insurance Senior citizen travel insurance
- Tata AIG Senior Citizen Travel Insurance
- Provides global coverage, covers pre‑existing diseases in life‑threatening situations, automatic policy extension, and includes trip and medical protections
Travel insurance plans for Senior Citizens in India with Insurance Dekho
U.S.–Focused Visitor or Medical Plans (Often More Robust for Actual Claims)
These are international plans tailored to visitors to the U.S., many with pre-existing condition relief:
- VisitorsCoverage – Atlas America Senior
- Covers travelers up to age 95, includes pre‑existing condition options, 24/7 support, and direct billing at many U.S. hospitals
- INF Insurance – Premier / Elite / Elite X
- Designed specifically for Indian seniors visiting the U.S., no medical check-ups needed, covers stable pre‑existing conditions and acute onsets. INF Elite X offers coverage up to USD 300,000 and coverage of pre-existing conditions up to age 99 Mani Karthik Advice to travel insurance
- Seven Corners – RoundTrip Elite
- Includes a robust pre‑existing condition waiver, “cancel for any reason” options, adventure sports, prescription coverage, and trip interruption support
- AIG Travel Guard – Preferred Plan
- Well‑regarded for claims, offers up to USD 1M in emergency evacuation, strong overall documentation support, baggage coverage, and comprehensive medical services
- Berkshire Hathaway – ExactCare
- Simplified mobile claims, fixed benefits for common issues, pre‑existing coverage if purchased early, and global assistance
- Safe Travels USA Comprehensive
- Covers travelers up to age 89, offers up to USD 1M in coverage, including COVID‑19, doctor wellness visits, evacuation, and home‑country coverage
- Patriot America Plus
- Available up to age 99, includes acute onset of non‑chronic pre‑existing conditions, prescription drugs, urgent care, evacuation, and optional adventure sports rider
- Visit USA
- Three tiered plans with COVID‑19, medical evacuation, dental, repatriation, even pregnancy complications up to certain weeks
- Safe Travels Elite
- Covers up to age 89, includes acute pre‑existing condition episode, unlimited evacuation, doctor visits, prescriptions, ambulance, and more In detailed classification by Visitor Guard
- TravelSafe & John Hancock
- Although not India‑specific, TravelSafe allows coverage into the 80s and offers up to USD 1M evacuation; John Hancock allows pre‑existing waivers (if bought soon after trip deposit), high medical and evacuation limits
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What Others Have Experienced (User Sentiments via Reddit)
“INF Elite is the one I’ve seen recommended the most… I bought the INF elite one. Worked out well as I had to take my father to the ER due to high blood pressure.”
“Hop is actually good option… Indian here in US have used this for their parents… good for comprehensive coverage.”
“INF Elite X… offers up to $300,000 in coverage and fully covers pre-existing conditions up to age 99.”
Several users warn about claim difficulties with Indian policies—they often recommend U.S. visitor insurances that are well-recognized locally
Quick Comparison Table
Policy Type | Highlights |
---|---|
Indian Senior Plans | Visa-friendly, structured cover, limited in actual claims |
U.S. Visitor Plans (INF, Atlas) | Better claim acceptance in U.S., covers pre-existing and medical emergencies |
Recommendations by Your Needs
- Prioritize Robust Health Coverage + Claims Ease: Go with INF Elite (or Elite X) or Patriot America Plus—they're highly regarded for real coverage and claim support.
- Max Evacuation/Medical Limits: AIG Travel Guard or John Hancock offer higher limits for evacuation and flexible pre‑existing condition terms.
- Best Value for Money: Safe Travels USA Comprehensive or Visit USA plans offer solid coverage options with balance between cost and benefits.
- Indian Insurance for Visa: Tata AIG or Reliance are good for fulfilling visa requirements, but supplement with U.S.-recognized visitor coverage if possible.
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