IMG visitor health insurance for Indian parents visiting the USA
Your parents' Indian health insurance has zero coverage in US hospitals. Compare the best IMG plans - from $30/month - with pre-existing condition coverage for seniors up to age 99.
Choose the Right IMG Travel Insurance for Your Parents in 30 Seconds
Visitors Care - A low-cost fixed benefit plan that covers basic medical expenses at an affordable price
Patriot America Plus - Comprehensive plans that cover hospitalization, doctor visits, and emergencies with PPO network access. Most Popular
Best Value - Safe Travels International - These plans cover acute onset of pre-existing conditions up to 70 years of age
Best for Pre-Existing Conditions - Visitors Protect - Includes acute onset coverage for travelers up to age 79
Best for Pre-Existing Conditions - Visitors Protect - Designed for older travelers with higher coverage limits and better protection with full pre-existing condition
Best for Pre-Existing Conditions - Patriot America Platinum - Offers very high policy maximums and strong benefits for expensive medical emergencies in the USA
My parent is already in the USA and I need to buy insurance after arrival
All Patriot plans - Allows enrollment after arrival and provides comprehensive medical coverage.
*Premiums vary by age, trip duration, and selected coverage level. All listed plans meet official Schengen visa insurance requirements.
What Are The Top IMG Travel Insurance Plans For Parents Visiting The USA From India?
The top IMG travel insurance for parents visiting the USA from India include , Patriot America Plus, Visitors Protect, and Visitors Care, each designed for different medical needs, age groups, and budgets.
Patriot America Plus is one of the best medical insurance plans for parents visiting USA from India, offering excellent comprehensive coverage including hospitalization, doctor visits, and emergency care. It also covers acute onset of pre-existing conditions up to the policy maximum for travelers under the age of 70 years.
- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70
- Policy maximums from $50,000 to $1 million.
- Direct billing through the First HealthCare or Unitedhealthcare
- Includes emergency medical, evacuation, repatriation, COVID-19 treatment
- Coverage from 5 days to 364 days and renewable up to 2 years
- The cost of the Patriot America Plus health insurance for parents visiting the USA from India starts at approximately $128 per month for a 50 year old traveler. The actual premium may vary depending on the selected policy maximum, deductible, and the traveler’s age.
The Visitors Care series by IMG offers affordable travel medical insurance for parents visiting the USA, available in three tiered options: Lite, Plus, and Platinum. It is one of the cheapest visitors insurance USA for parents from India, ideal for those who need basic coverage during their stay.
- check_circleCoverage limits vary by tier, up to $100,000, depending on age and plan level.
- check_circleIncludes limited coverage for acute onset of pre-existing conditions up to 70 years.
- check_circleOffers access to the First healthcare network or United HealthCare.
- check_circleCoverage from 5 days to 364 days and renewable up to 2 years.
- check_circleThe cost of Visitors Care travel insurance for Indian parents visiting the USA starts at approximately $30 per month for a 50 year old traveler. The actual premium varies depending on the selected policy maximum and deductible amount.
Visitors Protect by IMG is one of the best comprehensive health insurance for Indian parents visiting the USA, especially for those with pre-existing conditions. It provides coverage for travelers up to 99 years old and offers extensive protection for both acute onset and pre-existing conditions, making it ideal for parents with chronic health issues during their stay in the USA.
- check_circlePolicy maximums from $50,000 to $250,000.
- check_circlePre-existing conditions covered up to 99 years.
- check_circleEmergency medical evacuation covered up to $25,000 policy maximum.
- check_circleCoverage available from 90 days to 12 months.
- check_circleDirect billing through First healthcare network or Unitedhealthcare.
- check_circleCare Clix consultation is a new benefit that allows you to consult with a doctor via video chat, mobile app, or phone for non-emergency issues.
- check_circleThe cost of Visitors Protect insurance for parents visiting the USA from India starts at approximately $742 for a 50 year old traveler for a 3 month period. The actual premium may vary depending on the selected policy maximum and deductible amount.
Visitors Preferred is a flexible travel medical insurance for parents visiting the United States. This plan allowing families to customize coverage based on their needs and budget an ideal choice for protecting parents during their stay in the U.S.
- check_circlePolicy maximums from $50,000 to $1,000,000.
- check_circleCovers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- check_circleEmergency medical evacuation covered up to $1,000,000 policy maximum.
- check_circleCoverage available from 5 days to 364 days and it is renewable up to 2 years.
- Direct billing through First healthcare network or United HealthCare.
- check_circleBorder entry protection covered up to $500 maximum limit.
- check_circleThe cost of Visitors Preferred insurance for a 50-year-old traveler typically ranges from $127 per month, depending on the selected policy maximum and the chosen deductible amount.
Patriot America Platinum is a first-class visitors insurance for parents from India traveling to the USA. This premium travel medical insurance plan is designed for parents and senior travelers, offering high coverage limits up to $8 million and making it ideal for those seeking maximum protection during their stay.
- check_circlePolicy maximums from $1,000,000 to $8,000,000.
- check_circleCovers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- check_circleEmergency medical evacuation covered up to policy maximum.
- check_circleCoverage from 5 days to 364 days and renewable up to 3 years.
- check_circleDirect billing through First healthcare network or Unitedhealthcare.
- check_circleThe cost of Patriot America Platinum visitors insurance for parents in USA for a 50-year-old traveler typically ranges from $248 per month, depending on the selected policy maximum and the chosen deductible amount.
How to Choose the Best IMG Travel Insurance for Parents Visiting USA?
Whether your parents are visiting you in the USA for an extended stay, attending a family event, or coming for a short vacation, choose a plan designed specifically for senior travelers. Options like Patriot America Plus, Visitors Care, or Visitors Protect offer coverage suited for older age groups with varying health needs.
For parents under age 70, plans like Patriot America Plus, Visitors Care and Visitors Preferred offer benefits for acute onset of pre-existing conditions.
For parents above 70, look for options like Visitors Protect, which are designed to accommodate chronic or pre-existing issues up to 99 years.
If you want basic protection with lower premiums, fixed-benefit plans like Visitors Care may be sufficient.
If you want broader, more reliable protection with PPO access and higher coverage limits, choose comprehensive plans like Patriot America Plus, Visitors Preferred, Visitors Protect and Patriot Platinum
Most Indian or international insurance policies do not cover U.S. healthcare, which can be extremely expensive. Choose a plan with comprehensive medical benefits, emergency medical evacuation, and ideally, acute onset of pre-existing condition coverage.
Some plans, like Visitors Preferred, include border entry protection (up to $500), which can help if your parents face issues at immigration or airport entry.
Most plans allow you to select the policy maximum, deductible, and coverage length, so you can match your parents' stay duration and financial preferences. Consider longer coverage if there's a chance of extending their visit.
IMG Pre-Existing Conditions Coverage for Indian Parents Visiting the USA
When your parents travel from India, pre-existing conditions are a key factor in choosing health insurance. U.S. medical costs are high, so selecting the right IMG plan ensures coverage for both sudden flare-ups and chronic issues.
Pre-existing condition means any medical condition that exists before the start of the insurance policy, such as: Chronic illnesses like diabetes, hypertension, asthma, heart disease, arthritis, Previous surgeries or hospitalizations
Coverage Types for Pre-Existing ConditionsAcute Onset of Pre-existing Coverage
Acute onset coverage protects your parents if a stable pre-existing condition suddenly flares up while they are traveling in the USA. This means if a condition has been under control but suddenly requires medical attention, the plan will cover emergency treatment.
For parents up to age 69, acute onset coverage is available through Visitors Care, Patriot America Plus, and Patriot America Platinum. This coverage is ideal for parents who are generally healthy or whose conditions are well-managed, ensuring they are protected against unexpected emergencies without paying for chronic care they don’t need.
Full Pre-Existing Condition Coverage
Full pre-existing coverage protects against both sudden flare-ups and ongoing chronic conditions. This plan is suitable for parents with serious or multiple health issues, providing peace of mind during their visit.
Plan Offering Full Coverage:Visitors Protect - covers parents up to age 99 , with a minimum coverage period of 90 days.
Full coverage ensures that both emergency situations and ongoing treatment needs are included, making it the best option for older parents or those with multiple medical conditions.
How Much Does IMG Travel Insurance Cost for Parents Visiting the USA?
The cost of IMG travel insurance for parents starts from $30. The cost can vary depending on several key factors such as the traveler’s age, plan type, policy maximum, and deductible.
In the table below, the monthly premium is shown for each plan and age group. All quotes reflect one month of coverage, except for Visitors Protect, which is calculated based on a 3-month minimum duration, as required by the plan
| Plan Name | Policy Maximum | Deductible | Age 50 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Visitors Care insurance | $25,000 | $100 | $30 | $40 | $69 |
| Patriot America Lite insurance | $50,000 | $250 | $153 | $252 | |
| Visitors Preferred insurance | $50,000 | $250 | $127 | $148 | $253 |
| Patriot America Plus insurance | $50,000 | $250 | $128 | $164 | $289 |
| Patriot America Platinum insurance | $1,000,000 | $250 | $248 | $330 | $624 |
| Visitors Protect insurance | $50,000 | $250 | $742 | $1,061 | $2,550 |
How Does IMG Ensure Comprehensive Visitor Health Insurance Coverage for Parents?
IMG aims to provide comprehensive visitor insurance for parents to USA through several key features and plan options, particularly with their IMG plans and higher-tier comprehensive options.
Here's how they ensure this, focusing on what "comprehensive" means in this context for parents:
High Sum Insured Options
- Significant coverage limits: IMG offers various plans, like Patriot America Plus, Patriot Platinum, and Visitors Care. These plans come in different tiers (e.g., Gold, Platinum, etc., or varying maximum limits like $50,000 to $8,000,000). Higher tiers typically offer more extensive coverage and higher maximums.
- Policy maximums: For parents, especially when traveling to the USA where healthcare costs are exorbitant, higher policy maximums (e.g., $250,000, $500,000, or $1,000,000+) are crucial for comprehensive protection against catastrophic medical events.
- Comprehensive coverage: For parents, IMG offers the option of purchasing comprehensive policies with benefits for covered medical expenses up to the plan maximum. This is a significant factor in comprehensive coverage. Without limits, the entire chosen sum insured can be utilized for any eligible medical expense (e.g., room rent, surgery, diagnostic tests), rather than being fixed at smaller, pre-defined amounts for individual services. This prevents situations where the overall policy maximum is high, but you still pay out-of-pocket because a specific treatment exceeded its fixed limit.
Coverage for Acute Onset of Pre-existing Conditions
Critical for seniors: This is perhaps the most vital aspect of "comprehensive" coverage for parents. IMG offers coverage for pre-existing conditions. Many IMG plans, particularly the "comprehensive" ones like Patriot America Plus and Patriot Platinum, offer coverage for the acute onset of pre-existing conditions.
Examples of Coverage:
- Patriot America Plus: Provides up to the maximum policy limit for acute onset of non-chronic pre-existing conditions for individuals below age 70.
- Patriot Platinum: Provides up to the maximum policy limit for acute onset of non-chronic pre-existing conditions for individuals below age 70.
- Visitors Protect: Offers coverage for pre-existing conditions up to 99 years.
Extensive medical benefits included
IMG comprehensive insurance for parents typically cover a wide array of medical contingencies:
- Accident & sickness medical expenses: Including doctor visits, hospitalization, and outpatient care
- Emergency medical evacuation: Covers costs to transport a patient to the nearest qualified medical facility
- Repatriation of remains: In the unfortunate event of death, costs of returning remains to the home country
- Emergency dental treatment: For sudden pain or injury
- COVID-19 coverage: Many IMG plans include treatment coverage for COVID-19, treated like any other illness
Special provisions for senior citizens
- Higher age eligibility if any: Many IMG plans offer coverage for senior travelers up to age 99 years. This makes IMG a suitable choice for older parents and grandparents visiting the USA.
Access to assistance and cashless facilities
- 24/7 Global assistance: IMG offers round-the-clock emergency support services, including help with hospital admission, translation, and medical advice.
- Cashless hospitalization: For treatments within IMG’s PPO network, many hospitals offer direct billing — meaning you won’t need to pay upfront and file for reimbursement later.
- PPO network: IMG uses UnitedHealthcare and First HealthCare PPO networks, giving access to thousands of hospitals, urgent care centers, and doctors across the U.S.
Are Parents Already in the U.S. Eligible for Visitor Health Insurance?
Yes. Parents already in the U.S. can purchase the Patriot America Plus plan from IMG.
Can be purchased after arrival in the USA, for travelers up to 99 years old.
Covers acute-onset of pre-existing conditions up to 70 years
Coverage typically begins the day after the effective date chosen during application.
Keep medical records ready in case a claim is made for a pre-existing condition.
The Patriot America Plus plan provides emergency coverage for parents in the U.S., including acute-onset pre-existing conditions for travelers up to 70 years old.
Should I Buy One Combined Policy or Separate Policies for My Parents?
Both options are available, but in most cases, choosing separate visitors insurance policies for parents visiting the USA is the better and more flexible option.
Each parent may have different health histories, travel durations, and coverage needs. With individual travel medical insurance plans, you can tailor the coverage limits, deductibles, and benefits specifically for each parent.
Key advantages of separate policies include:Importantly, the cost of visitors insurance is generally calculated per person, so buying separate policies does not increase the total price.
A combined family visitors insurance plan may still be convenient if both parents have identical travel dates and similar coverage needs. However, it offers less flexibility if plans change.
At American Visitor Insurance, we help families compare the best visitors insurance plans for parents, ensuring the right balance of coverage, flexibility, and cost for each traveler.
IMG Visitor Health Insurance for Indian Parents Visiting the USA - FAQs
- Patriot America Plus - Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- Visitors Protect - Offers comprehensive pre-existing condition coverage for travelers up to age 99.
- Patriot Platinum - Includes acute onset coverage of pre-existing conditions for those under age 70, with higher policy limits.
- Visitors Care - Provides limited acute onset coverage for pre-existing conditions, ideal for budget-conscious travelers.