Parents traveling to the USA can incur unexpected medical expenses due to the very high cost of healthcare in the US. Even a minor emergency (e.g., slip, fall, sudden illness) can create a bill for thousands of dollars. For senior parents with pre-existing conditions like diabetes, hypertension, or heart failure, the costs can be even more expensive. Buying visitor health insurance for parents to USA on American Visitor Insurance will protect them from unanticipated expenses resulting from an emergency that may require emergency medical care, hospitalization, or even medical evacuation, if necessary. It will also allow parents and their families to have peace of mind during their time in America. Example costof healthcare in USA.
When selecting travel insurance for parents visiting USA, the appropriate amount of coverage can depend on the following key factors:
The right choice of visitor health insurance protection for seniors visiting the U.S. will depend on their age and medical history.
👉 For very elderly parents (80+), coverage is limited, but some plans like INF Elite X or Trawick Safe Travels USA Comprehensive still offer strong benefits.
| Type of Parent Traveler | Recommended Coverage | Why This Coverage Works | Best Plan Options |
| Parents under 60, short visit (1–2 months) | $50,000 – $100,000 | Lower medical risk, short trip duration | IMG Patriot America Plus, Atlas America, Safe Travels USA |
| Parents 60–70, average health, 2–6 months | $100,000 – $250,000 | Balanced protection for common emergencies | Trawick Safe Travels USA Comprehensive, IMG Patriot America Plus, Venbrook Premier, Atlas America |
| Seniors 70–79, long stay (6+ months) | $50,000 – $100,000 | Higher health risks, costly hospital care | Safe Travels USA Comprehensive, INF Elite X, SafeVista Protect, Travel Medical Basic |
| Elderly parents 80+ | $50,000 – $100,000 (limited options) | Fewer insurers cover 80+, but still essential for peace of mind INF Premier | INF Elite X, Visitors Protect (pre-existing coverage) |
| Parents with pre-existing conditions (any age) | $150,000 – $250,000+ | Coverage for acute onset or full pre-existing conditions | INF Elite X, INF Premier X, Trawick Safe Travels USA Comprehensive, Venbrook Premier, Visitors Protect |
Selecting the correct deductible amount is a balance between premium cost and out-of-pocket expenses.
👉 For most elderly parents, a $100–$250 deductible offers the best peace of mind while keeping premiums affordable.
Yes. Choosing a higher coverage limit directly impacts both hospital acceptance and claims processing in the USA.
👉 A higher coverage limit not only protects against financial risk but also improves provider trust and acceptance in the U.S. healthcare system.
It is recommended to buy travel medical insurance per individual. Each parent must have their own policy.
👉 In case one parent extends or shortens their stay, the coverage for the other parent is not impacted.
Pre-existing medical conditions like diabetes, hypertension, heart disease, or asthma are one of the most important factors in choosing the right visitor health insurance for parents.
👉 Compare acute onset coverage vs full pre-existing coverage before buying travel insurance.
The cheap visitor insurance for parents in USA ranges from $30 to $166 per month. depending on factors such as:
| 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. depending on factors such as:
| 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®
Emergency medical evacuation is essential for seniors traveling to the USA, especially if they are visiting remote locations or smaller cities where advanced healthcare may not be available. The following plans on American Visitor Insurance offer good Emergency Medical Evacuation coverage.
Most parents need $100,000 to $250,000 in coverage. Seniors 70+ or those staying long-term should consider $250,000–$500,000 due to higher medical risks and U.S. healthcare costs.
Healthcare in the USA is among the most expensive in the world. A single hospital stay can cost $10,000–$20,000+. Travel insurance protects parents from unexpected medical bills, hospitalizations, or emergency evacuations.
For seniors with conditions like diabetes, hypertension, or heart disease, plans like INF Elite X or Trawick Safe Travels USA Comprehensive offer strong coverage for acute onset of pre-existing conditions.
Premiums vary by age, coverage amount, deductible, and trip length. For a 3-month visit, costs typically range from $200 to $1,500 per parent.
No. U.S. visitor insurance plans are the same for all foreign parents, regardless of country of origin. However, proof of insurance is often required for U.S. visitor visas (especially B2 tourist visas for longer stays).
Senior Citizen travel insurance
Senior travelers above 50 years
Senior travelers above 60 years
Senior citizen insurance over 65
Trave insurance 70 years
Senior travelers over 75 years
Senior travelers over 80 years
Senior travelers over 90 years
Pre-existing visitors insurance
Parents visitors insurance for USA
Schengen visa plans for Seniors
Older immigrant insurance in USA
