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Best visitor insurance for parents visiting USA from India

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Best medical insurance for parents visiting USA from India - An overview

Parents visiting the US or Canada need the best medical insurance for parents visiting usa from india cover given the high health care costs here. Parents being elderly are vulnerable to needing medical care since they are in an unfamiliar location. Fill the above form and get the best visitor medical insurance for parents visiting USA quotes and choose the best visitor insurance for parents visiting USA from India.

US visitors parents insurance

Provided here is the relevant information that will guide parents and seniors traveling to the US to understand the concepts and the subtleties of buying travel insurance for the US.

High Cost of US Health Care

As mentioned in our introduction, the US offers world class healthcare facilities to its visitors but is very expensive. Visitors to the US don’t get free healthcare services in the country. If any of the parents who are travelling to the US face any new or acute onset of pre-existing condition illness or injury, depending on the severity of the issue can incur huge financial loss. An emergency care may cost anywhere between $150 to $1,000,000.The ambulance service costs itself could be as huge as $25,000 and critical care at $1,000,000. In case the illness or injury needs prolonged treatment then there may be a requirement for long stay at the hospital that eventually leads to a huge bill.

The common ailments that international travelers suffer are Heart attack (Myocardial Infraction), Stroke, Fractured limbs or Hip. The cost of routine physician visit is very expensive in the US.

The following are some typical examples of healthcare costs in the US as of 2018 (there is significant increase in costs with each passing year).

  • The common ailments like Diabetes Mellitus with Hyperglycaemia admitted to an emergency room would cost around $25,000.
  • A Stroke resulting in Intensive Care Unit (ICU) for about 10 days would cost $120,000.
  • A 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 is around $25,000.
Keeping the cost of health care in mind, what would be the cost of insurance for older travelers to USA?

The cost of insurance for senior citizen in USA plans depends on the following factors.

  • The age of the traveler
  • The maximum medical coverage limit
  • The co-insurance and deductible options
  • The length of insurance coverage
  • Any add-on coverages such as coverage for acute onset of pre-existing conditions and hazardous sports

Travelers can review the above factors while buying insurance for USA.

Common US Healthcare Terms of travel insurance

Deductible is an amount to be paid by the insured for the medical treatment before the actual insurance starts to pay the healthcare services. This is in addition to the co-pay or coinsurance. The insured will need to pay medical fees up to the deductible amount. Therefore the lower the deductible in an insurance plan, the higher is the premium or cost of the insurance plan. The concept of deductible is used by insurance providers to prevent frivolous use of insurance since the customer is liable for the initial payment and will hence use the travel insurance plan judiciously.

Co-pay or Copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed. The Co-pay and deductible will vary depending on the travel insurance plan chosen and travelers do have the option of No Co-pay and $0 deductible, however this will be more expensive that travel insurance with higher deductible.

Coinsurance is percentage of the total cost of the medical fee to be paid by the insured instead of paying a fixed amount. If the coinsurance is 10% on the travel insurance then the insured will have to pay 10% of the total cost of the bill. The Co-insurance is in addition to the deductible. The Co-insurance in travel insurance is typically capped 10% or 20% up to a certain amount (say $5000) of the medical bill and the insurance pays fully after that amount.

Riders are additional benefits that can be included to a standard travel insurance while buying the insurance. These benefits are otherwise not available in the standard insurance policy. For example parents traveling to the US can add acute onset of pre-existing coverage as an rider in some travel insurance plans.

Network and Out of Network - Generally most of the hospitals in US are linked with the Preferred Provider Organisation (PPO) networks .PPO network refers to the network of doctors and hospitals who have pre-defined working relationship with the insurance providers. Within a PPO network, when a senior citizen is at the hospital for a visit or treatment the hospital or the doctor charges the insurance provider directly. This is significantly cheaper and convenient for older travelers. The insurance provider will provide the insured with the list of hospitals and doctors in their destination country/state so that it will be easier for the older citizen to locate a suitable hospital for the treatment.

Out of network here the insured can go to any doctor in the US and will have to pay for the treatment themselves and then file for reimbursement. This can be confusing and time consuming for senior travelers. At times, it is possible that out of network doctors and hospitals may not be covered.

Senior Travelers can review the glossary for travel insurance to USA to understand other terms and also review our travel insurance guide for easy understanding to buy US visitor medical insurance.

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for BP
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Best health insurance for parents to USA with pre-existing conditions

What is the difference between visitor insurance for parents visiting USA from India with full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions.

Most of the US visitors insurance plans for parents provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

INF is one of the few companies which offers USA travel insurance plans for parents to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance for parents with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Travel insurance tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of waiting periods for coverage of pre-existing conditions.
  4. Consider purchasing a US foreign national health insurance policy with higher coverage limits.
  5. Take a copy of your medical records and a list of medications with you when you travel.
  6. Be sure to take your prescription and medication with you during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US foreign health insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders

INF travel insurance for parents visiting USA from India

INF travel insurance is popular among Indian parents visiting the USA. INF plans are ideal travel insurance for Indian parents visiting USA as it provides accident & sickness coverage as well has pre-existing conditions coverage that is especially important for parents and older travelers visiting family in the United States or Canada.

  • INF Premier Insurance:
    • COVID-19 Medically necessary testing & treatment covered as any other new sickness
    • Pre-Existing Complications from COVID-19 Covered
    • Covers All new medical conditions
    • Minimum Enrollment of 90 Days
    • Fixed Benefit Full Pre-Existing Coverage
    • Covers age up to 99 Years
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Premier Insurance Plan Details Brochure Buy now
  • INF Elite Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Pre-Existing Complications from COVID-19 Covered
    • Covers All new medical conditions
    • Minimum Enrollment of 90 Days
    • Comprehensive Full Pre-Existing Coverage
    • Direct Billing with Multi-plan Network
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Elite Network Insurance Plan Details Brochure Buy now
  • INF Traveler USA Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Direct Billing may be available from Multiplan Health Network PPO providers
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Available for non-US citizens ages 0-99
    INF Traveler USA Insurance Plan Details Brochure Buy now
  • INF Elite Plus Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers Preventive & maintenance care and coverage for full body physicals.
    • Coverage for TDAP, Flu, etc Vaccines.
    • 90% of eligible medical expenses.
    • Stable pre-Existing conditions are covered as new sickness.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    • There is a minimum purchase of 90 days required to buy this plan
    INF Elite Plus Insurance Plan Details Brochure Buy now
  • INF Elite 90 Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers 90% of eligible medical expenses
    • Comprehensive plan with full pre existing condition coverage which is unique.
    • Pre-existing complications from covid-19 covered
    • There is a minimum purchase of 90 days required to buy this plan
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Elite 90 Insurance Plan Details Brochure Buy now
  • INF Traveler USA 90 Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers 90% of elgibile medical expenses
    • This is a comprehensive plan too but does not cover pre existing condition
    • Minimum purchase of 30 days is required for this plan
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Traveler USA 90 Insurance Plan Details Brochure Buy now
  • INF Standard Insurance:
    • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers All new medical conditions including Virus Related Sickness
    • Fixed-Benefit Plan for Parents visiting the USA
    • Available for all Non-US Citizens
    • Fixed-Benefit Plan which covers all Age Groups 0-99+
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Standard Insurance Plan Details Brochure Buy now

INF travelers insurance for Seniors - Pre-existing conditions FAQ's

Is Asthma a pre-existing condition for INF travel insurance?

If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

Is Asthma covered in INF travel insurance?

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do I need to declare mild asthma for travel insurance?

No.

Is Arthritis a pre-existing condition for travel insurance?

If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

Do I have to declare rheumatoid arthritis on travel insurance?

No.

Does INF travel insurance covers arthritis?

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

Is Diabetes considered pre-existing condition?

If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

Is diabetes covered under INF travel insurance?

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

Do we have to declare pre diabetes on travel insurance?

No.

Does INF travel insurance cover heart attacks?

Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.

Which INF travel insurance covers heart conditions?

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

Can I purchase the INF Premier or Elite plan if I am already abroad?

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions. These conditions can include chronic illnesses such as diabetes, heart disease, or cancer, or any other condition that requires regular medical treatment or attention.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

INF parents visitors insurance for USA

INF Travel insurance plans are perhaps the best visitor insurance for parents visiting usa given the coverage for pre-existing conditions. There fixed and comprehensive plan options available. However, comprehensive plans are the most recommended due to their flexibility in benefit coverage.
  • INF Elite plan: This is a comprehensive plan and is the plan with excellent coverage. This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
travel insurance for parents visiting USA
  • INF Traveler USA plan: This is another comprehensive plan from INF and unique feature of this plan is that it covers Urinary Tract Infections which is common among older travelers. This plan Provides a policy max option of $75,000 and $150,000 with a deductible of $500.This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.
  • INF Elite Plus plan: This is a comprehensive plan and is the plan with excellent coverage. Covers Preventive & maintenance care and coverage for full body physicals.Coverage for TDAP, Flu, etc Vaccines. This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months. The Elite plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
  • INF Elite 90 plan: This is a comprehensive plan and is the plan with excellent coverage. Covers 90% of eligible medical expenses.This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans. This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500. This plan need to be purchased for a minimum of 3 months. The Elite 90 plan has a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
Pre-existing Condition Coverage

Different types of Visitor Insurance for parents visiting USA

Health insurance file

Fixed vs Comprehensive plans

Fixed Benefit travel insurance for parents

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.

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Comprehensive travel insurance for parents

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.

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buy visitor medical insurance

Steps to buy
US visitor travel insurance for parents online

Step 1: Finding the available US travel insurance for parents
Complete the travel medical insurance quote request form by providing details of the parents and their requirements/needs.
Step 2: Compare the different Parent travel insurance options
Compare the price and the benefits of the international parent travel insurance options to identify what fits your needs best.
Step 3: Buy the travel insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Step 4: Review the parents insurance plan documents received by email
Review the travel insurance for parents policy documents received by email closely for coverage details and relevant contact numbers.

Best health insurance for parents in USA

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Extending the US visitor visa for parents in the USA

Many parents visiting the US for limited travel are forced to change their travel plans even while on a temporary or short term US visa. These parents have to extend or renew their visa status in order to stay longer in the US. The following is the procedure to extend the US short term visa:
  • Parents should complete the I-539 form for extension of a Non-Immigrant Visa
  • Parents should submit a letter stating the reason with detailed explanation for extension.
  • Parents should submit a copy of form I-94 that that he/she received on entry into the US
  • Parents should provide documentary evidence that the extended stay is temporary along with the booked return tickets
  • Parents should provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
  • Parents should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.

Visa extension processing

The USCIS will issue a receipt with 13-digit case number on submission of the extension application. Parents should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).

While parents are in the US in an unplanned situation thanks to the COVID pandemic, it is very important to buy the best Covid travel insurance for parents to secure them from unexpected illness. Travelers can compare popular travel insurance to buy good US visitor Covid insurance for parents.
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Compare INF travel insurance plans

Compare travel insurance benefits offered by INF Premier, INF Traveler USA, INF Elite and INF Standard plans.

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Best insurance for parents visiting USA from India – Forum

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INF travel medical insurance for people already in the US

Hi,
My mother is already in the US. I am looking to buy an insurance for her. I was wondering if I can purchase the INF plans?
Thank you,
Mohammad

Dear Mohammad,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

If the person is already in the US, then they cannot purchase the HOP plans offered by INF. They can purchase any of the other INF plans, but there will be a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.

Please let us know if you have any more questions.

Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910

Parents visitors health insurance in USA, Visitors insurance for parents from India

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Visitors Travel Insurance - Comprehensive plans?
  • Policy Maximum#1
  • Deductible#2
  • Travel Medical Plus covers COVID19
  • Key Features:  Acute onset of pre-existing conditions coverage of $10,000 for visitors up to 64 years and $5,000 for 65 to 74 years in USA.
Buy now

Patriot America Plus

PER MONTH

by International Medical Group  IMG Logo
  • Policy Maximum#1
  • Deductible#2
  • COVID19/Pre-existing Coverage
  • Key Features: Great coverage for a great price.
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Patriot Platinum

PER MONTH

by International Medical Group  IMG Logo
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features Coverage for sudden or unexpected recurrence of pre-existing conditions up to $2,500. Plan life - 5 days up to 12 months
Buy Now

Atlas America

PER MONTH

by WorldTrips worldtrips logo
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US
Buy Now
Visitors Travel Insurance - Fixed Benefit plans?

INF Standard

PER MONTH

by INF inf logo
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan that treats Coronavirus as a new sickness
Buy now

Visitor Secure Plan A

PER MONTH

by World Trips  World Trips logo
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
Buy Now

Safe Travels Elite

PER MONTH

by Trawick International  trawick logo
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Safe Travels Elite is a fixed benefit plan that covers COVID19 expenses and treated as any other sickness
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#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

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US immigrant insurance mandatory for prospective Green card parents

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The US government states that new immigrants without proper health insurance in the US are becoming a burden to the US hospitals and US medical system, and finally adding the cost of their healthcare to the US taxpayers. Once this policy comes into effect, prospective new Green card parents would be asked for proof of immigrant health insurance. The visa to enter the US can be denied if the consular office is not satisfied by the provided proof of health insurance in the US.

The US short term health insurance plans offered here work ideally for prospective for prospective new US immigrants. After purchasing the visitor immigrant insurance plans on our website, customers will receive the immigrant insurance document by email. Customers can show this immigrant insurance document as proof of US health insurance while applying for the tourist visa or Immigrant visa.

The need for visitor health insurance for parents visiting USA from India

Parents often from India, Pakistan and Bangladesh visit their children and grandchildren in the USA or Canada. These parents visiting the US from India, Nepal, Pakistan or Bangladesh need good health insurance coverage as health care costs continue to rise every year. Even though you get sophisticated medical care, there are huge costs involved and visitors insurance usa for parents from India is a necessity.

Emergencies can occur when least anticipated and burden travelers with huge medical bills. To avoid this, you need US visitors medical insurance for parents. Care should be taken to understand visitors insurance for Indian parents options, as well as the coverage for pre-existing conditions, given that parents are elderly and likely to have existing ailments.

Which is the best travel insurance for parents visiting USA from India?

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.

Another factor to consider is whether to purchase insurance from your own country or one from the US. A benefit of using an US-based company, particularly if you are traveling to the US, 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 your home country.

This can hold up your reimbursement significantly. Also, the US company will pay US dollars to your provider which, generally speaking, is a fairly strong currency. The specific answer for you may be different than for another due to your specific situation and concerns. 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 best travel health insurance for parents visiting USA.

Is there an age limit to buy visitors insurance for parents?

For some visitor insurance for parents traveling to usa, and in some situations, yes, there is an age limit. For example, if you want a global medical policy, you must apply before you are over 65 years old. However, many short term travel health insurance policies are available for people of any age. What changes as you get older, particularly for people over 70, is the maximum available for you.

Most travel health insurance for parents visiting USA from India only offer $50,000 or less maximum coverage to customers 70+. If you are not seeing visitor insurance for parents traveling to usa on our website, lower the maximum coverage available and you may see more options for you to buy the best travel insurance for parents visiting the U.S.

Does travel insurance for parents visiting USA cost increase at age 65?

Many visitors insurance for parents do have a price difference between age 64 and 65. However, for persons under 70 years of age, they still get many great benefits and a wide range of maximum policy coverage limits available to them. Check out the best travel insurance for parents visiting the U.S. over 65 years to explore your options!

Can you get visitor insurance for parents if you are over 80 years?

Absolutely! There are many policies that we offer that are available as visitor insurance for parents traveling to usa over 80 years. You may have to reduce your maximum limit (we suggest choosing range between $26,000 to $50,000 to see the most options), but you should be able to find a good visitor health insurance for parents visiting USA from India. We offer the best travel Insurance for Parents Visiting USA over 80 years from top insurance providers.

Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give parents traveling to the USA a wide range of travel insurance options. We have nearly two decades experience in understanding the diverse requirements of parents visiting the US and in offering appropriate travel insurance options to them. Our typical customers range from older parents visiting family in the US to students, working professionals on H1B or J1 visas to US citizens traveling overseas who are looking for Covid travel insurance with quarantine coverage as mandated by certain countries.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate senior citizen travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance for parents questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where senior citizen travelers can compare different products based on price as well as the coverage benefits. All of these tools help parents make an informed decision while buying travel insurance.

Will I be responsible for any unpaid medical bills of my parents who are visiting the US?

If you have sponsored your parents visit and have completed the I-134 Form during their visa application, then you can be held responsible for any medical bills. The I-134 form is an Affidavit of Support declaring to the U.S. government that the visa applicant, in this case your parents, will be financially supported by the sponsor (you) in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government. As the sponsor, you will be responsible for any living and healthcare expenses of the visa applicant while in the United States.

In the event that the visitor visa holder needs healthcare services, the healthcare provider can hold you who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the visitor to the US. Given the high US healthcare costs it is important that you as the sponsor ensures that any parents has best health insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have excellent US travel health insurance for visitors visa applicants.

How long is I-134 Affidavit of Support valid?

An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).

Can I buy visitors travel insurance for my parents visiting the US?

Yes, you can buy visitors travel insurance for your parents when they are visiting the USA. All you need is their travel dates, and information from the passport such as the date of birth and passport number. There are many US travel insurance providers that offer coverage for international visitors which work very well for parents or relatives visiting the USA from India. When choosing a travel insurance policy for your parents, you should consider their specific needs and look for coverage for pre-existing conditions if they has existing medical ailments.

It's important to carefully review the policy details, terms and conditions before buying any travel insurance to ensure that it meets your specific needs and provides adequate coverage as you need it. You can compare different US travel insurance plans, benefits and coverage options from various travel insurance companies on American Visitor Insurance to find the best fit for your parents.

Is it cheaper to buy travel insurance separately for my parents?

No, the cost of the insurance is the same whether you buy two independent plans or have one visitors insurance for both parents. Having separate plans however does offer greater flexibility should one of your parents travel back to your home country early. It is prudent and important to compare options from different providers on American Visitor Insurance so that you can find the best value for your money.

Why is the US travel insurance so expensive for elderly parents?

US parents visitor insurance is expensive for elderly parents due to their higher vulnerability to health issues, the very high cost of healthcare in the USA, and the level of coverage required for pre-existing conditions or other special medical needs.

How Much Does Travel Medical Insurance Cost for Parents Visiting the U.S.?

The cost of travel medical insurance for parents visiting the U.S. depends mainly on the following factors.

  • Age of the parents: Older travelers, such as parents or seniors, will have higher premiums due to the increased likelihood of health issues.
  • Duration of Stay: Shorter visits have lower travel medical insurance costs compared to longer stays.
  • Medical Coverage Level: The extent of coverage you choose (basic coverage vs. comprehensive coverage) as well as the medical maximum amount will impact the cost.
  • Insurance Provider: Different insurance companies offer varying rates for similar coverage, so it's compare quotes on American Visitor Insurance.
  • Pre-Existing Conditions: Coverage for pre-existing medical conditions will increase the cost significantly, and some policies may exclude coverage for such conditions.
  • Deductibles and coinsurance: Policies with higher deductibles and coinsurance tend to have lower premiums, but they require you to pay more out-of-pocket if you need medical care.
  • Any additional Add-Ons: Some policies offer optional add-ons like coverage for trip cancellation, trip interruption, or baggage loss, which can increase the overall cost.
  • Maximum coverage Limits: Policies may have limits on the maximum coverage amount, which can affect the premium. Higher coverage limits often result in higher premiums.

What is the best US visitors insurance for parents to USA?

The best US visitors insurance for parents to USA is listed here:

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Visitors insurance for parents from India, Health insurance for Indian parents in USA

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Visitor medical insurance blog for Parents visiting family in the US

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Travel insurance for Coronavirus Covid
Find the best US New Immigrants health insurance plans
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Travel health insurance with Covid coverage for Greencard holders

There are many Green card holders without proper health insurance. Even though the Covid pandemic seems behind us, Covid remains a health risk and any hospitalization due to Covid can be very expensive. At American Visitor Insurance, we are committed to providing the best Green card travel health insurance. Green card holders who have a residence outside the United States can buy the following health insurance plans offered by US based insurance providers.

The following US insurance providers offer Green card holder health insurance including the best health insurance for Green card holders over 65 years old.

Health insurance for Green card holders - Available plans

Visitor insurance for parents in USA, Health insurance for Indian parents visiting USA

Travel medical insurance

Visitor insurance resources

International travel insurance resources for travel emergency while outside your home country.

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How to buy insurance

Factors for travel insurance

Important factors for travel insurance to consider while deciding on the best visitors medical insurance.

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Types of insurance

Types of visitor insurance

Different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.

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Claims Procedure travel insurance

Claims Procedure

Helping travelers with the insurance claims process for getting medical care in a hospital.

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Covid travel insurance for non residents in USA

Travel insurance for foreigners in USA

Even as the threat of Covid has diminished across the globe, international travel conditions in general remains fluid. Given the pandemic, the Ukraine war, extreme weather related disruptions across the globe and staffing disruptions in different airports, international travelers are understandably more concerned about safety while traveling. There is now an increased demand to buy the best visitors travel insurance.

Travel Insurance with covid coverage for visiting USA

To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, quarantine coverage, travel delay or interruption, baggage or personal belongings loss, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to different travel and medical needs. Travelers can compare and add on benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap travel insurance for visiting USA with Covid coverage included

Trawick International insurance

Trawick International offers visitor medical insurance with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA travel insurance and buy it online to get coverage as early as the following day.

International Medical Group (IMG) travel insurance

International Medical Group (IMG) travel insurance options includes the Patriot America Plus and Patriot Platinum insurance plans.

INF travel insurance

INF travel insurance offers INF Premier and INF Elite travel insurance for Non-US citizens or residents traveling to the US.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters is available for Non-US citizens or residents traveling to the US. Diplomat Long term travel medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

WorldTrips insurance

Atlas travel insurance will cover eligible medical expenses for international visitors.

Seven Corners visitors medical insurance

Travel Medical Plus Insurance offered by Seven Corners provides health insurance treatment for international travelers.

Please know we are here to help you make the best, informed decision to get travel medical insurance coverage! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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