Best Travel Insurance for Parents Visiting USA in 2026

Why Should I Buy Travel Insurance for Parents Visiting USA?

• 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.
• The 21st century has witnessed 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, but often live distant from their families who remain in their home country.
• The United States, along with other developed European nations, are the countries that attract most of these educated global professionals.
• In today's globalized society, with families dispersed worldwide, it is common for grandparents and parents to wish to visit their children and grandchildren.
• International travel, especially to destinations like the US or Europe, provides senior family members the dual excitement of reuniting with loved ones and exploring a new country.

Parents Health Insurance USA

• Visitor health insurance for parents visiting family in the United States is essential due to the high costs of medical care in the country.
• International travel insurance offers short-term healthcare coverage, which is crucial for senior travelers.
• Two main types of plans available:
  • fixed benefit visitor health insurance – More affordable, but offers limited coverage.
  • comprehensive visitor medical insurance – Offer broader coverage at a higher cost.
• It’s important to secure the best insurance for parents visiting USA from India before traveling, to ensure protection against any medical emergencies during their stay.
• Some Fixed benefits or some Comprehensive travel insurance provide Acute onset coverage for pre-existing ailments up to the age of 70.
• Certain comprehensive plans extend this Acute onset coverage even for older travellers beyond 70 years.
• US travel medical insurance for parents and senior citizens often includes:
  • Emergency medical evacuation
  • Repatriation
  • Hospital indemnity
• It is crucial for parents to thoroughly review the policy brochure before purchasing the best visitor insurance for parents visiting USA from India, ensuring the plan offers adequate coverage for the areas they deem essential.
• Some travel insurance plans for visiting parents also offer substantial coverage for hazardous activities.

Which Visitor Insurance Covers Emergency Cardiac Issues for Parents Visiting the USA?

Which is the cheapest travel insurance for Parents Visiting USA?

What is the Best Travel Insurance for Parents Visiting USA?

The best visitor insurance for parents visiting USA from India 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.

• Atlas America from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
• Patriot America Platinum from IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.Acute onset of preexisting condition is available up to the age of 70.
• Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
• Patriot America Plus from IMG: This plan offers a policy maximum of up to $1,000,000 up to the age of 70 and is available for both US and Non US citizens living abroad and visiting the US.Acute onset of preexisting condition is available up to the age of 70.
• Travel Medical Choice from Seven Corners: Plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 79.
• INF Elite X Insurance from INF: This plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers Full pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.

How Much Does Healthcare Cost in the US?

• The average cost of a routine physician’s visit is around $176.
• An echocardiogram costs approximately $1,000 in Massachusetts and $3,000 in New Jersey, depending on the provider.
• Diabetes Mellitus with Hyperglycemia treated in the emergency room costs between $2,500 – $5,000.
• A stroke resulting in ICU care for 10 days can cost around $120,000.
• Heart attack treatment (ambulance, emergency room, ICU, EKG, MRI, and ongoing cardiologist care) costs about $20,000.
• Acute kidney failure treatment in the US costs over $22,000 on average.

Why Travel Medical Insurance is Essential

• The high healthcare costs in the US make being uninsured very risky.
• Short-term travel medical insurance helps reduce hospital expenses, especially if treated at a provider’s PPO network hospital.
• visitor insurance not only covers medical expenses but can also help reduce the total bill.
• Buying the best medical insurance for visitors to USA is essential to:
  • Minimize medical costs
  • Ensure financial protection during their stay

How to Buy Smarter Visitor Insurance for Parents and Seniors

Choosing visitor insurance for parents and seniors requires a different approach than buying coverage for younger travelers. Age limits, existing health conditions, and higher medical risks mean that the smartest choice is rarely the cheapest plan. Instead, travelers should focus on coverage that offers protection, clarity, and predictability.

How Much Does Medical Insurance for Parents Visiting the USA Cost in 2026?

Is It Better To Buy Travel Insurance From The USA Or India?

Decision to buy travel insurance from the USA or India depends on your budget, coverage needed and the preferences:

• PPO Network: Insurance from the USA have access to PPO network which gives access to direct billing and reducing out of pocket expenses, where as with the Indian insurance companies, the PPO network might not be available in the US which will lead to higher out of pocket expense.
• Affordability: Indian company insurance plans might be affordable but their coverage and benefits might be limited as compared to the comprehensive plans in the US which can provide flexible and extensive coverage.
• Claim reimbursement: Indian insurance companies pay the claims on reimbursement basis which is less preferred when you travel to a foreign country which will again increase the chance of out of pocket payment first.
• Purchase: Purchasing the insurance form US companies is online and straightforward and the policy ID is available immediately after the completion of purchase, which is not always the case in the Indian insurance companies where obtaining the insurance could be a lengthier process.
• Customer Service: This could be an issue with Indian insurance plans as it can get challenging to deal with local providers in the US.
• Regulations: Indian Insurance policies subjected to relaxed regulations affecting the enforcement of policy terms, where as in the US, they follow strict regulations of the Government

What are The Medical Insurance Options for Green Card Parents Over 65?

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:

What If My Parents Are Already in the USA and Have Pre-Existing Conditions?

What Is the Best Health Insurance for Indian Parents Visiting the USA?

When choosing the best health insurance for parents visiting USA from India, it is important to consider the following:

• Emergency Medical Expenses: Coverage for medical expenses incurred due to sudden illness or injury during the visit. This may include doctor visits, hospitalization, prescription medications, and emergency medical transportation.
• Emergency Medical Evacuation: If a serious medical condition arises, the insurance may cover the cost of transporting the insured back to their home country for medical treatment.
• Repatriation of Remains: In the unfortunate event of death, the insurance may cover the costs associated with returning the remains to the home country.
• Visitors insurance in USA for parents with Pre-existing Conditions: Some travel insurance for parents over 60 with pre-existing medical conditions offer limited coverage, while others may exclude them. Always check the policy details regarding pre-existing conditions.
• Trip Cancellation or Interruption: Some plans may provide reimbursement for prepaid, non-refundable trip expenses in case the trip is canceled or interrupted for covered reasons, such as a medical emergency.
• Travel Delay: Coverage for additional expenses incurred due to a covered delay, such as accommodation, meals, and transportation.
• Lost or Delayed Baggage: Reimbursement for essential items if baggage is lost, stolen, or delayed during the trip.
• Accidental Death and Dismemberment (AD&D): Coverage for accidental death or loss of limbs or eyesight during the trip.

What Are the Factors to Consider When Choosing Medical Insurance for Indian Parents Visiting USA?

• The U.S. healthcare system while being the most sophisticated in the world is unfortunately also known for its high costs, making it important to buy the best travel insurance for Indian parents visiting USA
• Understand the maximum coverage limits and deductibles for each plan. Comprehensive travel health insurance for parents visiting USA from India generally offer higher coverage limits but have higher premiums. Deductibles typically range from $0 to $2500
• Be aware of exclusions for pre-existing conditions, some US visitors insurance for parents however do offer limited coverage for the acute onset of pre-existing conditions
• Parents visiting USA insurance can apply for a B-2 Tourist Visa or as a new immigrant on Green Card if eligible.
• Some medical insurance for parents allow policy renewal which is important for parents to extend their stay in the US if needed
• Best medical insurance for parents visiting USA from India are available for seniors at all ages, including above 70, 80 and 90 years
• The medical insurance for parents visiting USA cost varies depending the age, coverage amount, length of stay and type of policy(comprehensive or fixed benefit plan)

What Are Important Factors While Traveling Overseas for Seniors?

• Preventive Measures include vaccination, regular washing of hands, wearing a mask, maintaining physical distancing and purchasing travel medical insurance.
• Older parents should limit in-person interactions with people mainly when in closed rooms/indoors.
• All citizens who are fully vaccinated can resume their daily activities as usual like it was before the pandemic without wearing a mask unless the country you are in is expecting you to wear a mask.
• In case, if there has been a medical condition and have been fully vaccinated and are consuming medication they need to take steps to protect themselves and take constant advice from the healthcare provider.

Visitors Insurance USA for Parents from India FAQs

Visitors Insurance for Seniors