Best Travel Insurance for Parents visiting the USA

There are mainly two types of short term travel insurance, ie – trip cancellation insurance (where the focus is on insuring the expenses related to the trip) and travel medical insurance (where the focus is on insuring the health of the traveler).

For most parents visiting the US, the focus will be on insuring the health of the traveling parent, ie – travel medical insurance. Within travel medical insurance, the specific type of travel insurance will depend on factors such as the duration of travel in the U.S and any pre- existing conditions of the traveler.

There are broadly two types of travel medical insurance options –

1. Comprehensive travel insurance
2. Fixed benefits travel insurance.

The most extensive cover is the comprehensive visitor health insurance which has full flexibility in coverage up to the policy medical maximum when compared to the fixed benefits plan (where there are clearly defined limits on different medical expense coverage). It is important to carefully check the details before buying the visitors travel insurance if it meets all the requirements for their stay in the US.

Yes, you can purchase one policy for both parents, however it is advisable to have two separate insurance plans as that would be more flexible in case of any changes required after the inception date of the policy to any one persons coverage (like the need to travel back earlier, or to extend the stay more than the other traveler).

The price will remain unchanged irrespective of whether you buy one travel insurance plans for both parents, or two separate insurance plans for each parent.

It is recommended to buy higher medical maximum coverage ($250,000 to $500,00), however many insurance plans become restrictive for travelers over the age of 70 years. For older travellers above 70 years, the policy maximum is often limited to $50,000.

Yes, the application process can be completed and payment can be made by a child on behalf of one’s parents.

The sponsor or the guarantor who has signed the documents for their travel will be liable for any unpaid medical bills of the parents. A legal expert's advice will be more helpful.

The cost of international health insurance for parents can depend on various factors. The comprehensiveness of the coverage chosen greatly affects the cost. Basic plans with limited coverage will be cheaper, while more comprehensive plans offering extensive coverage for medical treatment, emergency evacuation, and other services will be more expensive. Age of the travellers matters, generally older individuals tend to have higher insurance premiums due to a higher risk of health issues. Younger parents typically pay lower premiums.

International parents travel insurance cost varies for different health condition like pre-existing medical conditions and some insurance companies may charge higher premiums or impose exclusions or waiting periods for pre-existing conditions. The countries or regions where parents and senior citizens will be covered can affect the cost of insurance. Coverage in countries with high healthcare costs or limited medical facilities may result in higher premiums. Short-term plans for trips or stays abroad will have different pricing structures compared to long-term plans.

Plans with higher deductibles and copayments typically have lower premiums but may require parents to pay more out of pocket for medical expenses. Additional features such as coverage for dental care, and wellness benefits may increase the overall cost of insurance for parents to USA. So it is important to compare parents travel insurance quotes from multiple providers on American Visitors Insurance to find the best cost of travel insurance from India to USA.

If parents experience a medical emergency while in USA, it can be a stressful and potentially life-threatening situation. Remain as calm as possible and try to assess the situation objectively. Panic can make it more challenging to make rational decisions. If parents requires urgent medical care, call the local emergency services number 911 in the United States or go directly to the nearest hospital or medical facility. Do not delay seeking medical help. If parents have medical travel insurance, contact the insurance provider as soon as possible to inform them of the situation.

They can provide assistance, guidance, and authorization for medical treatment, as well as coordinate any necessary arrangements, such as emergency medical evacuation. Follow the instructions and recommendations of medical professionals treating you. Be honest about the medical history, symptoms, and any medications. If parents have pre-existing conditions, inform the medical staff. Keep copies of all medical records, test results, prescriptions, and receipts for medical expenses incurred abroad.

These documents may be required when filing a claim with the travel insurance provider. After receiving initial medical treatment, follow up with healthcare providers as needed for ongoing care and monitoring. Be proactive in managing the recovery and adhering to any prescribed medications or treatment plans. It's important to be prepared for medical emergencies while traveling abroad by having appropriate travel insurance for parents to USA, understanding how to access emergency services in the destination country, and knowing how to communicate effectively in case of an emergency. Taking proactive measures can help ensure a prompt and effective response in the event of a medical emergency while in USA.

While being in good health is certainly great, visitor coverage insurance for parents is not solely about covering medical expenses for unhealthy travelers. Even healthy traveler can encounter an accident or face unexpected situations or emergencies during their travels. Unexpected events such as family emergencies or other unforeseen circumstances could force you to cancel or cut short your trip. While medical coverage is an important aspect of travel insurance, it offers a comprehensive list of benefits that go beyond health considerations.

It provides financial protection and peace of mind in case of unexpected events, which can happen to anyone. Given the relative cheap cost of travel insurance when compared to the cost of international travel, it is a great idea to buy the best parents visiting USA insurance and enjoy their holiday.

At American Visitor Insurance, we pride ourselves on working with reputed, competitive insurance companies who offer excellent prices and service for their (and our) clients. All insurance companies are rated by an outside independent agency and get a "grade" which focuses on the company financial solvency and health. You can compare these ratings (we use AM Best ratings on our website) to compare insurance companies.

An important factor to consider is whether to purchase insurance from India or from the US. The benefit of using an US-based company, is that you can get direct billing with the provider and so, only have to pay your deductible and your portion of the bill instead of the entire amount up front. Foreign companies may make you pay all costs up front and then you will have to submit a claim upon your return to India.

We provide easy access to comparison of plans by price and benefits to aid you in finding just the right fit for you! If you are overwhelmed by all the information we present, we also have friendly licensed agents which can assist you by phone or email. Customers can compare and buy insurance for parents visiting USA.

If your parents are already in the U.S. and have pre-existing conditions, there are several health insurance options available to ensure they receive the necessary medical care. Plans like Patriot America Plus, Atlas travel insurance, Safe Travels USA comprehensive, INF Elite and INF premier insurance plans are the best options for parents in the USA. It's essential to compare these plans based on coverage specifics and individual health needs.