Yes, you can buy insurance for your parents visiting the USA. Visitor medical insurance is important as health insurance from other countries is not accepted in the U.S. There are several options available, including fixed benefit and comprehensive plans, which cover a range of services from medical care to emergency treatment. Buying visitor insurance ensures that your parents are protected against high medical costs during their stay, providing you and your family peace of mind.
The remarkable advancement in technology has transformed our world into a global village, making international travel more accessible and fostering the coexistence of diverse cultures. Consequently, the 21st century has seen an exponential increase in the number of people traveling beyond their home countries.
Many individuals have settled abroad, securing their dream jobs and finding success in their careers, yet they live distant from their families who stay in their home country.
The United States along with other developed European nations are the countries that attracts most of these educated global professionals.
In today's globalized society, with families dispersed worldwide, it's common for grandparents and parents to desire visits with their children and grandchildren. International travel, especially to destinations like the US or Europe, offers these senior family members the dual excitement of reuniting with loved ones and exploring a new country.
Visitor health insurance for parents visiting family in the United States is essential. International travel insurance provides short-term healthcare coverage, which is crucial given the high costs of medical care in the country. Visitors can choose from fixed benefit visitor health insurance, which are more affordable but offer limited coverage, or comprehensive visitor medical insurance plans, which provide broader coverage.
It's important to secure the best insurance for parents visiting USA before traveling to ensure protection against any medical emergencies that may arise during the stay. Some of the Fixed benefits or some Comprehensive travel insurance plans provide Acute onset coverage for pre-existing ailments up to the age of 70 while some comprehensive plans extend this coverage even for older travellers beyond 70 years.
In addition to medical care, US travel medical insurance for parents and senior citizens often includes coverage for emergency medical evacuation, repatriation and hospital indemnity.
It's crucial for parents to thoroughly review the policy brochure before purchasing the best visitor insurance for parents visiting USA, ensuring that it provides adequate coverage for the areas they deem essential. Some travel insurance plans for visiting parents also offer substantial coverage for hazardous activities.
Best travel insurance for parents visiting USA: Atlas America, Atlas Premium America, Patriot America Lite, Patriot America Plus, Travel Medical Insurance, Safe Travels USA Comprehensive, Safe Travels USA, Elite Plan...Comprehensive travel insurance plans are the most popular travel insurance plans for parents in the US. They cover:
The best company for getting travel insurance are a few and people can get from any of them depending on their requirements and choices. Here are some popular companies whose travel health insurance for Indian parents are very popular:
A fixed benefit travel insurance plan is the cheapest travel insurance plan option available for parents. Fixed benefit travel insurance is affordable for parents because it has a fixed limit of coverage for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation, especially for parents who are typically older travelers.
Comprehensive travel insurance for parents provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limit constraints for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation. These plans work well for parents given that they are older.
In the US, the cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room will cost around $2,500 -$5,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
Given the high healthcare costs in the US, being uninsured is a very risky. Hospital expenses are much cheaper if you have short-term travel medical insurance, especially if the hospital is part of the insurance provider’s PPO network. In addition to covering medical expenses, having visitor insurance can reduce the overall bill. Therefore, purchasing best medical insurance for visitors to USA is essential for minimizing medical costs and ensuring financial protection during their stay.
The best medical insurance for parents visiting USA are comprehensive plans and offer coverage for pre-existing conditions. Given that parents are buying visitor insurance not for small ailments but rather for more serious situations involving hospitalization, comprehensive visitors insurance for parents from India is recommended especially while traveling to the US.
The cheap visitor insurance for parents in USA ranges from $30 to $166 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan Name | Maximum Coverage | Deductible | Age 50 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $30 - $85 | $39 - $102 | $60 - $166 |
| Visitors care | $25,000 - $100,000 | $100 | $30 - $64 | $40 - $75 | $66 - $148 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $43 - $76 | $49 - $86 | $84 ($50,000) |
The average cost of fixed benefit visitors insurance for parents in USA is based on quotes for one month. Source: AMERICAN VISITOR INSURANCE®
The best medical insurance for parents visiting USA cost ranges from $117 to $561 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan name | Maximum Coverage | Age 50 | Age 60 | Age 70 |
|---|---|---|---|---|
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $117 - $197 | $139 - $250 | $237 - $299 |
| Patriot America Lite | $50,000 - $1,000,000 | $117- $217 | $137 - $274 | $234 ($50,000) |
| Travel Medical Basic | $50,000 - $1,000,000 | $117- $217 | $137 - $274 | $234 ($50,000) |
| Visitors Preferred | $50,000 - $1,000,000 | $127 - $239 | $148 - $301 | $253($50,000) |
| Patriot America Plus | $50,000 - $1,000,000 | $130 - $244 | $177 - $307 | $258 ($50,000) |
| Atlas America | $50,000 - $1,000,000 | $131 - $261 | $177 - $378 | $355 - $444 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $148 - $278 | $172 - $351 | $294 - $470 |
| Diplomat America | $50,000 - $1,000,000 | $182 -$313 | $229 - $301 | $353 ( $50,000) |
| Patriot America Platinum | $2,000,000 - $8,000,000 | $287 - $510 | $340 - $644 | $561 ($100,000) |
The average cost of comprehensive travel health insurance for parents in USA is based on quotes for one month with $250 deductible. Source: AMERICAN VISITOR INSURANCE®
Decision to buy travel insurance from the USA or India depends on your budget, coverage needed and the preferences:
If you are seeking medical insurance for Green Card parents over 65, who are visiting or moving to the US there are few options available. Most of the travel insurance plans provide the coverage up to the age 99, although coverage may be more limited for older age groups.
It's important to note that premiums for these plans are generally higher than those for younger individuals, and some benefits may be provided for certain age groups. However, having Green card health insurance for parents over 65 is crucial to ensure they have protection in case of illness or injury during their stay in the U.S.
For those who are Green Card holders, Medicare is not immediately available unless they have lived in the U.S. for at least five years and have paid into the system. New immigrants may also not qualify for the Affordable Care Act (ACA) plans for the first three years of residency. Therefore, the below short-term health insurance for green card parents can be a practical solution until they become eligible for domestic health plans:
There is no one insurance plan that is most expensive. Any comprehensive plan that can offer a policy maximum coverage for up to $1,000,000 can be the most expensive. Here are a few listed for you:
If your parents are already in the USA and have pre-existing conditions, the best option is to buy short-term visitor insurance for pre-existing conditions. This type of coverage is designed for situations where a pre-existing condition unexpectedly worsens and requires immediate medical attention.
While choosing a plan, it’s important to note that most insurance companies allow you to buy coverage even after your parents have arrived in the USA. However, there is a waiting period of about five days before the coverage becomes effective, meaning any medical expenses incurred before this period will not be covered.
Here are some of the highly recommended insurance plans for parents with pre-existing conditions. INF Elite X and INF premier X insurance plans are ideal for parents with pre-existing coverage, covers full pre-exisitng condition coverage to 99 years. Atlas America offers coverage for individuals up to age 80 and provides up to $2 million in maximum benefits, including acute onset coverage. Patriot America Plus also covers acute onset conditions and allows renewals for up to two years. Another option is Visitors Protect, which provides specific coverage for pre-existing conditions but may have lower maximum limits and higher premiums for older travelers.
When considering these options, it is important to understand how each plan defines pre-existing conditions and the associated look-back periods, which can range from 180 days to two years. Please feel free to call us at (877)-340-7910 or email and one of our licensed agents will be glad to help you!.
When choosing health insurance for parents visiting the USA, it is important to consider the following:
Health insurance for parents visiting USA is highly recommended due to extremely high cost of healthcare in the US for visitors. Having the best medical insurance for parents visiting USA from India will significantly lower the hospital bills. The insurance plans from the US providers that include preferred provider organization (PPO) network offers lower billing than regular hospital bills without PPO network in the United States.
You cannot add your parents to your health insurance in the USA unless they qualify as legal dependents. US health insurance plans, including employer-sponsored and individual plans, only allow coverage for a spouse and children. Parents can only be added if they live with you permanently and you claim them as dependents on your tax filings. For visiting parents, you would need to purchase separate international travel insurance for Indian parents visiting USA to cover their healthcare needs.
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.
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 medical insurance for parents visiting USA from India 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 travel insurance for parents visiting USA from India.
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