Best older immigrant insurance in USA

The United States of America the quintessential land of immigrants and has been welcoming immigrants to the country since the founding days of the nation.

• USA's Immigration history:
  As a result of this history of immigration, the US also receives millions of shorter terms visitors to the country who are parents, friends and family of these immigrants. While the early immigrants were from Western Europe like the UK, Germany, Netherlands and France, over time immigration was from southern European counties like Italy and Greece. Since 1965, when president Lyndon B Johnson opened immigration to Non Europeans, immigration has increased significantly Mexico, central and South America as well as from Asia. In Asia, the South Asian countries of India, Pakistan Bangladesh and Sri Lanka, and the east Asian countries of China, Vietnam and Philippines constitute a large number of new immigrants to the USA.
• Frequent visits by Parents/Family:
  These new immigrants in the US retain strong ties with family back in their native countries. It is no surprise therefore that several parents often visit their children and grand-children in the US. However parents of immigrants are usually senior citizens, and as older travelers they need to be very careful for the long journey and stay in the US. Traveling to the US involves changes in cuisine, weather patterns along with the initial long travel across different time zones. All of this adds to the vulnerability of older travelers and the need for good health care.
• Vulnerability of older travelers:
  
  • Long journeys across time zones, changes in cuisine, and weather patterns increase seniors or parents’ vulnerability to health issues.
  • The COVID-19 pandemic has further heightened travel-related health risks.
• Exorbitant US healthcare costs:
  
  • As opposed to many other developed economies like Canada, the UK and northern European countries, the US health care system is not government managed, is very expensive and intricately linked to having insurance coverage.
  • Given this healthcare infrastructure, most US residents health insurance and get their insurance from their employers.
  • Older US citizens who are pensioners get covered by the Government backed Medicare.
  • Access to healthcare is intricately linked to having insurance coverage.
• No access to domestic US health insurance:
  
  • U.S. residents typically get health insurance through employers.
  • Older U.S. citizens (pensioners) are covered by Medicare.
  • Crucially, none of these domestic U.S. health insurance options are available for tourists or short-term visitors, including parents/family members of U.S. immigrants, even if their stay is for many months.
• Imperative for visitors to buy insurance:
  
  • Given the high costs and lack of access to domestic insurance, it is imperative for older travelers coming to the U.S. to purchase dedicated visitor travel health insurance.
  • This "best US parents visitors insurance" or "insurance for elderly travelers to USA" is essential to protect them from huge financial losses in case they need medical care, especially if hospitalization is involved.

Travel medical insurance for senior immigrants in USA provides essential coverage against the high cost of medical care in the USA. These plans are designed for older travelers (generally for those aged 60 and above) who may be more vulnerable to illness, injury, or sudden health issues during their stay.

Travel insurance for older immigrants visiting USA typically covers:

• Medical emergency expenses: Covers medical treatment incurred for an unforeseen illness or injury which occurs while on a trip, including doctor visits, hospitalizations, surgery etc…
• Acute onset of pre-existing conditions: Most visitor insurance plans offers coverage for acute onset (sudden and unexpected worsening) of pre-existing conditions, which is important for seniors with chronic health concerns like diabetes or heart issues.
• Emergency medical evacuation: Covers the cost of emergency transportation to the nearest appropriate medical facility.
• Prescription drugs: Covers medications prescribed for an eligible medical condition that were prescribed during the insured period.
• Repatriation of remains: Pays for the repatriation expenses back to home country in the event of the death of the traveler for any reason.
• Urgent care & Telemedicine: Some plans offer coverage for visits to urgent care clinic or provide access to virtual doctor consultations, which are convenient for non-emergency issues.