What is the importance of having the best visitor insurance for parents in USA?
The 5 million strong Indo-American community while only 1.5% of the US population has a hugely significant impact on India-US. The Indian diaspora in the US plays a major role in Academia, Business, Hotels, Software, Fashion, Research and even politics. Many Indian Americans lead fortune 500 companies and as well as have many startups employing millions. This community is financially very strong and travels between India and the US often as well as have family members visit from India. Parents visiting the US or Canada need the best visitors insurance for parents from India given the high health care costs.
Parents being elderly are vulnerable to needing medical care since they are in an unfamiliar location. Fill the above form and get quotes for the best visitor medical insurance for parents visiting USA and choose the plan according to your needs.
There is a large community of Indian Americans in the US who often have their parents visiting from India. The USA offers a wide range of experiences for Indian parents visiting the country. They need to obtain a tourist visa (B-2) and plan their itinerary accordingly. Along with spending time with their children and grand-children, Indian parents can explore iconic cities, natural attractions, and cultural landmarks during their visit to the USA. When parents are visiting the USA, it is however crucial to have the best US parents travel health insurance coverage.
Health care in the United States is extremely expensive, and this health insurance for parents visiting USA provides financial protection and access to medical services in case of illness or emergencies during their stay. It is recommended to compare the best US visitors insurance for parents offered by reputed US insurance providers on American Visitor Insurance.
You can compare best insurance for parents visiting USA from India based on the price and coverage options. The important factors to consider are their age and any existing medical ailments. Keep in mind the medical expenses, emergency medical evacuation costs in the US are very high. Buy the best visitor insurance USA for parents policy that suits the specific needs of your parents and provides comprehensive coverage for their visit to the USA.
Is it better to buy travel insurance from the USA or India?
Decision to buy travel insurance from the USA or India depends on your budget, coverage needed and the preferences:
- PPO Network: Insurance from the USA have access to PPO network which gives access to direct billing and reducing out of pocket expenses, where as with the Indian insurance companies, the PPO network might not be available in the US which will lead to higher out of pocket expense.
- Affordability: Indian company insurance plans might be affordable but ther coverage and benefits might be limited as compared to the comprehensive plans in the US which can provide flexible and extensive coverage.
- Claim reimbursement: Indian insurance companies pay the claims on reimbursement basis which is less preferred when you travel to a foreign country which will again increase the chance of out of pocket payment first.
- Purchase: Purchasing the insurance form US companies is online and straightforward and the policy ID is available immediately after the completion of purchase, which is not always the case in the Indian insurance companies where obtaining the insurance could be a lengthier process.
- Customer Service: This could be an issue with Indian insurance plans as it can get challenging to deal with local providers in the US.
- Regulations: Indian Insurance policies subjected to relaxed regulations affecting the enforcement of policy terms, where as in the US, they follow strict regulations of the Government
Compare the best visitor insurance from USA vs India
What is the most used travel insurance for parents in the USA?
Comprehensive travel insurance plans are the most popular travel insurance plans for parents in the US. They cover:
- Medical Emergencies: This includes covering the expenses for unexpected sickness and injury including emergency evacuation, repatriation.
- Trip Interruption: This includes covering for the unused portion of the trip when you cannot continue with the trip like recovering hotel stays, transportation expenses...
- Baggage loss: Lost or stolen baggage coverage will be provided by replacing or by refunding the expenses for them.
- Travel delays: Coverage for the flight or any transportation expenses due to delay.
What is the best company to get travel insurance from?
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:
- IMG(International Medical Group): Offers a wide range of travel medical insurance plans for both US and non-US residents, with coverage options offering up to $1,000,000 in medical maximums. IMG's Trip plans offer 100% trip cancellation coverage.
- Worldtrips: Offers comprehensive plans with coverage outside of the home country with worldwide coverage including or excluding the US. Policy maximum options available up to $1,000,000 with these plans
- Seven Corners: Offers comprehensive travel insurance plans for US and Non US citizens and residents. Their trip insurance plans provide 100% coverage for trip cancellation.
- Trawick International: They offer comprehensive travel insurance plans that provide policy maximum coverage for up to $1,000,000. Most of their plans are for Non US citizens visiting the US. Their trip insurance plans are popular and offer 100% coverage for trip cancellation.
- INF: INF Plans have been very popular for parents from India, and other older travelers with pre-existing conditions visiting the USA. INF plans travel insurance offers coverage for pre-existing ailments providing the coverage necessary for many seniors visiting their families in the US.
How much does a healthcare costs in the US?
In the US, the cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room will cost around $2,500 -$5,000. Stroke resulting in ICU for about 10 days would cost $120,000, 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 was over $22,000.
Given the high healthcare costs in the US, being uninsured is a very risky. Hospital expenses are much cheaper if you have short-term travel medical insurance, especially if the hospital is part of the insurance provider’s PPO network. In addition to covering medical expenses, having visitor insurance can reduce the overall bill. Therefore, purchasing best medical insurance for visitors to USA is essential for minimizing medical costs and ensuring financial protection during their stay.
Which insurance is best for parents traveling from India to USA?
The best insurance for Indian parents in USA 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.
- Atlas America from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
- Patriot America Platinum from IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.Acute onset of preexisting condition is available up to the age of 70.
- Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
- Patriot America Plus from IMG: This plan offers a policy maximum of up to $1,000,000 up to the age of 70 and is available for both US and Non US citizens living abroad and visiting the US.Acute onset of preexisting condition is available up to the age of 70.
- Travel Medical Choice from Seven Corners: Plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 79.
- INF Elite X Insurance from INF: This plan is ideal for parent visiting USA or Candada. Offers medical maximum coverage up to $300,000. Covers Full pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.
How much does medical insurance for parents visiting USA cost?
How much does the cheapest visitor insurance for parents in USA cost?
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®
How much does the comprehensive and best visitors insurance for parents cost per month?
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®
What is the most expensive travel insurance for Indian parents in USA?
There is no one insurance plan that is most expensive. Any comprehensive plan that can offer a policy maximum coverage for up to $1,000,000 can be the most expensive. Here are a few listed for you:
- Atlas Travel plan from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum.
- Patriot America Platinum from the company IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.
- Visitors Protect plan from IMG: offers medical maximum coverage of up to $250,000 for individuals up to 70 years old. For those above 70 years, the maximum coverage is $50,000, and it provides coverage for acute onset of pre-existing conditions up to 99 years. The minimum purchase requirement for coverage is 3 months.
- Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USa and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available
How to choose the best health insurance for parents visiting USA?
When senior Indian citizens plan to travel to the USA, it becomes even more important to secure comprehensive travel insurance. Here are some key considerations for older Indians seeking travel insurance for their trip to the USA:
- Medical Coverage: Ensure that the policy offers substantial coverage for medical expenses, including hospitalization, outpatient treatment, and prescription medications. Given the high healthcare costs in the USA, having adequate medical coverage is crucial. For seniors even minor illness or injury leads to the higher medical bills. A policy with a higher coverage maximum, ideally $100,000 or more, is recommended, especially if there's a risk of hospitalization.
- Age Limitations: Some senior travel insurance policies may have age restrictions or limitations on coverage based on the age of the traveler. Be sure to check the age eligibility criteria of the policy, and choose one that is suitable for your parents age group.
- Pre-Existing Conditions: If you have pre-existing medical conditions, check if the insurance policy covers acute onset of pre-existing conditions. Many policies exclude coverage for pre-existing condition or offer limited coverage.
- Emergency Medical Evacuation: Check that the policy includes coverage for emergency medical evacuation. This coverage ensures that you can be transported to an appropriate medical facility or repatriated to India if necessary.
- Coverage Limits and Deductibles: Review the coverage limits and deductible amounts. While a low deductible may seem appealing, a higher deductible could significantly lower your premium upfront. However, the higher deductibles mean more out-of-pocket expenses in the event of a claim.
- Comprehensive vs Fixed Coverage: While fixed benefit travel insurance plans might be cheaper, they often have sub-limits on certain benefits, which works well for small ailments but can be inadequate for more serious medical conditions involving hospitalization. Comprehensive visitor insurance plans, provide full coverage for medical expenses up to the policy medical maximum limit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalization.
- Compare Quotes: Obtain quotes from different insurance providers, comparing coverage, limits, exclusions, and costs. This can help you find the best US visitor insurance for Indian seniors tailored to your needs.
What are the optional coverages available under visitor insurance for parents in USA?
- Adventure Sports Coverage: This optional cover provides protection for adventure activities like skiing, scuba diving, or bungee jumping, which are not typically covered under standard visitor insurance policies.
- Personal Liability: This optional cover provides protection against personal liability for accidents or injuries caused to others during your trip to the USA.
- Passport Loss: This optional cover provides protection against the loss or theft of your passport while visiting the USA.
- Emergency Trip Extension: This optional cover provides protection against unexpected trip extensions due to unforeseen circumstances like natural disasters or medical emergencies while in the USA.
- Pre-existing Conditions: Some visitor insurance plans offer optional coverage for pre-existing medical conditions, which can be especially important for elderly travelers or those with ongoing health issues.
- Device Protection: Optional device protection for smartphones, laptops, and tablets is available upon purchase with some visitor insurance plans.
Best US health insurance for Green Card holders from India
Which pre-existing conditions are covered by US travel insurance?
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.
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.
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
I need the best health Insurance for my parents visiting USA with pre-existing ailments?
If pre-existing medical conditions is a top concern for you when insuring your visiting parents, then you should consider one of three best US travel health insurance for parents with pre-existing health ailments on American Visitor Insurance that actually covers any emergency whether due to something new or due to a pre-existing condition. The policies are: Visitors Protect by IMG, or Premier X or Elite X from INF. The Elite plan and the Visitors Protect plans are comprehensive which make them fairly complete. The Visitors Protect plan is a 25/75 plan meaning that after the deductible, they pay 75% and you would pay 25% of medical expenses. The Elite plan is a 20/80 plan, or you can opt for the Elite 90 plan which is a 10/90 plan.
The third plan is a fixed plan offered by INF. A fixed plan or limited plan has caps on what it pays out for each medical expense, so it may not pay 100% of any bill (and it does not cover a percentage like the comprehensive plans). The definition of pre-existing conditions and how they cover is unique to these plans. Firstly, if a condition is VERY stable (has had no flare up nor change in medication 12 months before the start of the plan), then the policy covers it like any other condition (at the maximum and deductible you chose). If there HAS been a flare up or change in the past year, then it is still covered, but it will be subject to a higher deductible and a lower maximum (on the fixed plan, you choose these). Please call us if you have any questions or need assistance at (877)-340-7910.
You can compare cost and some benefits for Visitors Protect, Premier X and Elite X plans in below table. Minimum Enrolment should be 90 days to buy these three plans.
| Plans for Parents | Premier X | Visitors Protect | Elite X |
|---|---|---|---|
| Cost | $445* | $954* | $1243* |
| Plan type | Fixed plan | Comprehensive plan | Comprehensive plan |
| Pre-existing conditions | Covers up to 99 years | Covers up to 99 years | Covers up to 99 years |
* Visitors Protect cost based on $50,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
* INF Premier X plans cost based on $100,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
* INF Elite X plans cost based on $150,000 medical maximum, $500 deductible for 65 years old traveler, for 3 months.
What if my parents are already in USA and have pre-existing conditions?
If your parents are already in the USA and have pre-existing conditions, the best option is to buy short-term visitor insurance for pre-existing conditions. This type of coverage is designed for situations where a pre-existing condition unexpectedly worsens and requires immediate medical attention.
While choosing a plan, it’s important to note that most insurance companies allow you to buy coverage even after your parents have arrived in the USA. However, there is a waiting period of about five days before the coverage becomes effective, meaning any medical expenses incurred before this period will not be covered.
Here are some of the highly recommended insurance plans for parents with pre-existing conditions. INF Elite X and INF premier X insurance plans are ideal for parents with pre-existing coverage, covers full pre-exisitng condition coverage to 99 years. Atlas America offers coverage for individuals up to age 80 and provides up to $2 million in maximum benefits, including acute onset coverage. Patriot America Plus also covers acute onset conditions and allows renewals for up to two years. Another option is Visitors Protect, which provides specific coverage for pre-existing conditions but may have lower maximum limits and higher premiums for older travelers.
When considering these options, it is important to understand how each plan defines pre-existing conditions and the associated look-back periods, which can range from 180 days to two years. Please feel free to call us at (877)-340-7910 or email and one of our licensed agents will be glad to help you!.
What is the procedure to extend a parent's US visitor visa?
The Covid-19 pandemic has stranded many parents in the US both for limited travel and visa options as well as parlous health conditions. International travel restrictions has forced many parents to change their travel plans even while on temporary or short term US visas. 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. The Indian tourist 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).
Health insurance for tours for Indian parents in USA FAQ's
1. 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 Indian parents visiting USA.
2. 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!
3. Can you get visitors insurance USA for parents from India 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.
4. 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.
5. 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).
6. Can I buy visitors travel insurance for my parents visiting the US?
Yes, you can buy visitors insurance USA for parents from India 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.
7. 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 health insurance for Indian parents visiting USA.
8. 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.
9. What if my parents are traveling only for a short duration to the US?
Even for a short trip to the US, it is still advisable to have good parents visitors travel insurance. Unexpected events can happen at any time, and travel insurance provides financial protection and peace of mind. It can cover medical and travel related expenses. While not mandatory, having travel insurance for parents is a prudent choice to mitigate risks and ensure a worry-free visit to the US.
10. Can NRI's buy visitors insurance for parents from India visiting USA?
Yes, Non-Resident Indians (NRIs) can buy visitor insurance for parents or family members visiting the USA. Visitor insurance is designed to provide coverage for individuals traveling to a foreign country for a temporary period, including family members visiting from abroad. NRIs can buy visitors insurance for parents to ensure that they have adequate medical coverage and financial protection during their stay in the USA. It is recommended to compare the best health insurance for visiting parents on American Visitor Insurance and select a policy that meets the specific needs of the visiting parents.
11. What type of travel insurance for Indian parents visiting USA should I buy?
Important factors to consider for buying elderly parents to USA health insurance depends on some specific needs. US insurance providers on American Visitor Insurance offer best travel insurance for parents and older travelers. When traveling to the US, buying the best medical insurance for parents visiting USA from India is strongly recommended given the high cost of US healthcare. It's important to ensure that the chosen insurance plan maximum complies with specific requirements of parents and provides adequate healthcare coverage for all medical expenses during their stay.
Keep in mind that U.S. immigration policies may change, so it is important to check the latest information on the official US government website when applying for a U.S. visa. If parents from India have pre-existing medical conditions, choose US travel insurance that offers coverage for pre-existing conditions, subject to specific terms and waiting periods. Not all plans automatically cover pre-existing conditions. Ensure that the travel insurance policy explicitly includes coverage for emergency medical evacuation. This coverage is essential if your parents face a severe medical condition or injury requiring evacuation to the nearest suitable medical facility.
12. Will insurance for parents visiting USA from India cover everything?
Travel insurance for parents visiting USA from India vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the travel insurance plan covers. Travel insurance for parents visiting USA from india typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.
Common Inclusions in travel insurance from India to USA for senior citizens:
- Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
- Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
- Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
- Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.
Common Exclusions in the best medical insurance for visitors to USA from India:
- High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
- War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
- Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
- Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.
13. When to buy best medical insurance for parents visiting USA from India?
The best time to buy US visitor insurance for parents from India is as soon as you confirm your travel details. Buying travel insurance for USA from india depends on factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy.
Buying visitors travel insurance early, shortly after booking your trip, is strongly advisable. This ensures that you have coverage for unforeseen events that might occur before your departure. Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early.
14. Is it advisable for each parent to have a separate travel insurance plan?
Yes, each parent should have their own travel insurance plan. This ensures tailored coverage for their specific needs, allows separate claims without affecting each other’s benefits, and accommodates individual medical conditions. It also offers flexibility and ensures maximum coverage limits for both.
15. Can I include my visiting parents to my health insurance plan?
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.
16. What happens If my parents get sick in the USA?
If your parents get sick while visiting the USA, medical expenses can be very high without insurance. Travel medical insurance is essential to cover the costs of doctor visits, hospitalization, and emergency treatment. In an emergency, they may need to choose between an urgent care facility or an emergency room (ER). Urgent care centers are more affordable for non-life-threatening issues like the flu or minor injuries, whereas ER visits are much more expensive and may not be reimbursed by some insurance plans unless it's a critical emergency. Having the right insurance can help cover these costs and, in some cases, emergency medical evacuation or repatriation to India if necessary. Without insurance, your parents may face high out-of-pocket expenses and may need to pay upfront at some healthcare facilities.
17. Why buy travel health insurance for Indian parents visiting USA on American Visitor Insurance?
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 best travel health insurance for parents visiting USA.
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Embassy of US in India
US Embassy, New Delhi
pin_drop Shantipath, Chanakyapuri New Delhi - 110021
call Phone
91-11-24198000
fax Fax
011-91-11-2419-0017
U.S. Consulate General Chennai
pin_drop Gemini Circle Chennai 600 006
call Phone
044-2857-4000
fax Fax
044-2811-2020
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