Comprehensive travel insurance plans are the most popular travel insurance plans for parents in the US. They provide broad protection for various travel and medical risks.
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:
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. Compare Comprehensive vs fixed benefit visitors insurance for USA.
Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
💲 Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
🛡️ Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
🌐 PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
💳 Payment method | Usually requires you to pay upfront and then seek reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
👥 Recommended for | Budget conscious travelers who only need basic coverage. | Travelers who want comprehensive coverage for any medical needs. |
Safe Travels Advantage from Trawick International is one of the most affordable travel insurance options for parents Visiting the USA.
Other affordable health insurance for elderly visitors includes:
Age: 60 years | Plan: $25,000 | Deductible: $0
Age: 60 years | Plan: $25,000 | Deductible: $0
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.
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®
Review US visitor insurance plan benefits.
Plans such as INF Premier X Insurance, Visitors Protect, and Safe Travels Elite provide full coverage for pre-existing conditions, including chronic and ongoing medical conditions. These plans offer comprehensive protection for travelers, including medical treatment for pre-existing conditions, hospitalization, and emergency medical evacuation, subject to the plan’s limits, deductible, and terms.
Policy maximum?
Ages 0–69: $100,000, $150,000, $300,000, $500,000, $1,000,000.
Ages 70–99: $100,000
Deductible options?
$75, $100, $250, $500, $1,000, $2,500, $5,000
Maximum age limit?
Up to 99 years
Policy maximum?
$50,000 and $250,000
Deductible options?
$250 to $5,000
Period of coverage?
Minimum purchase 90 days
Policy maximum?
$150,000 and $300,000
Deductible options?
$500 to $5,000.
Period of coverage?
Minimum purchase 90 days
When parents travel to the United States, medical costs can be very expensive. Choosing the right travel insurance for parents visiting USA ensures financial protection against emergencies, hospital stays, and unexpected healthcare needs. Explore best coverage options, recommended limits, and tips to safeguard their trip.
👉 Read more about how much travel insurance parents need for visiting USA? »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:
Yes, visitor health insurance plans also known as travel medical insurance plans cover the existing ailments but it is important to read the policy terms and conditions carefully as extent of coverage in each policy can vary.Here are some common factors on which the policies vary with respect to coverage:
If your parents are already in the United States, they can still purchase a visitor medical insurance plan. However, only certain plans allow enrollment after arrival and offer coverage for pre-existing medical conditions.
Follow these steps:
Check plan eligibilityParents already in the U.S. can still buy visitor insurance. Plans like INF Elite X and INF premier X offer full pre-existing condition coverage, while Safe Travels USA Comprehensive provides limited (acute onset) protection. Always review plan eligibility and buy coverage promptly to stay protected.
When choosing the best health insurance for parents visiting USA from India, it is important to consider the following:
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.
Best health insurance for parents visiting USA from India is highly recommended due to extremely high cost of healthcare in the US for visitors. Having the best visitors insurance USA for parents 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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Travel tips for international travelers – Safety, Comfort and Wellness.
Guide to buying the best international travel insurance for USA.
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