Trawick International insurance for Indian parents visiting USA
Do Indian parents really need travel medical insurance when visiting the USA?
Every year, many Indian parents travel to the USA to visit their children, whether they are studying, working, or have settled there permanently. While the visit is a joyful and memorable experience, it's important to be well-prepared especially when it comes to health and medical safety. Being in a new country with a different healthcare system brings risks, and having proper travel medical insurance ensures peace of mind throughout the trip.
Unlike India, where healthcare is often more affordable or publicly subsidized, medical treatment in the USA operates on a fee-for-service model. This means that every medical service whether it’s a routine check-up, a prescription, or an emergency surgery must be paid for at the time of treatment. There is no universal health coverage for visitors, and the costs can be shockingly high.
Even a basic doctor consultation in the U.S. may cost anywhere from $150 to $300, while more serious emergencies such as hospital stays or surgeries can run into thousands or even tens of thousands of dollars. For elderly visitors, who may have chronic conditions or simply be more vulnerable to infections, fatigue, or falls, this can pose a serious financial risk. Without proper travel medical insurance, the burden of paying these expenses falls entirely on the visitor or their family.
Having travel medical insurance provides both financial protection and peace of mind. For Indian parents visiting the USA, plans from trusted providers like Trawick International offer coverage for doctor visits, ER care, hospital stays, diagnostic tests, and emergency evacuation. Trawick’s Safe Travels plans are tailored for seniors, with options that include coverage for acute onset of pre-existing conditions and COVID-19.
These plans also offer 24/7 assistance, access to PPO hospital networks, and multilingual support—ensuring help is always available. Buying travel insurance is not just smart—it’s essential. It protects your parents from unexpected medical costs and ensures they receive quality care during their visit.
Can Indian parents travel to the USA without insurance?
Technically, yes — Indian parents can travel to the USA without medical insurance. But should they? Definitely not. Even healthy travelers face unexpected risks such as food poisoning, flu, respiratory infections, falls in unfamiliar surroundings, or heat-related illnesses especially in warmer U.S. states. More serious events like emergency surgeries or hospitalizations can result in overwhelming medical bills.
Having a travel medical insurance plan such as the Safe Travels series from Trawick International offers essential protection. These plans are specifically designed for international visitors and provide coverage for urgent medical care, hospital stays, and even acute onset of pre-existing conditions.
With Trawick’s support services, including access to PPO networks and 24/7 assistance, Indian parents can travel with peace of mind, knowing they’re protected from both financial and medical risks.
What are the top Trawick visitor insurance plans for parents visiting the USA?
Trawick International offers a variety of travel medical insurance plans designed for international visitors—including Indian parents traveling to the USA. The ideal plan depends on the traveler's age, health condition, trip duration, budget, and desired coverage level. Below are the top Trawick visitor insurance plans recommended for parents:
Safe Travels Advantage insurance
Safe Travels Advantage by Trawick International is a cheapest fixed benefit plan for parents visiting the USA. It provides essential coverage for medical emergencies, accidents, and acute onset of pre-existing conditions, making it a smart choice for short stays at the lowest cost.
- Acute onset of pre-existing condition: Up to the policy maximum; cardiac or stroke events limited to $25,000, and $15,000 for ages 80 and above.
- Direct Billing: First healthcare network
- Coinsurance: Pays 80% until $5,000 coinsurance is met, then pays full amount
- Emergency medical evacuation: Up to unlimited
- Urgent Care : Up to $130 visit(1 visit/day;30 visits max)
- Repatriation of Remains: Up to $25,000 per policy period
Policy maximum?
$25,000, $50,000, $100,000 $150,000Deductible options?
$0Period of coverage?
5 days to 364 days
Safe Travels Elite insurance
Safe Travels Elite by Trawick International is an affordable fixed-benefit insurance plan tailored for parents traveling to the USA. It offers good coverage for unexpected medical situations, including accidents, illness, and the acute onset of pre-existing conditions. With higher benefit limits than entry-level options, it's a reliable and cost-effective solution for parents making a short visit to their children in the U.S.
- Acute on set of pre-existing condition: Up to the policy maximum; cardiac or stroke events limited to $25,000, and $15,000 for ages 80 and above.
- Direct Billing: First healthcare network
- Coinsurance: Pays fixed sum
- Emergency medical evacuation: Up to unlimited
- Urgent Care : Up to $75 visit(1 visit/day;30 visits max)
- Repatriation of Remains: Up to $25,000 per policy period
Policy maximum?
$25,000, $50,000, $75,000, $100,000, $175,000Deductible options?
$0Period of coverage?
5 days to 364 days
Safe Travels USA Comprehensive insurance
Safe Travels USA Comprehensive by Trawick International is a excellent comprehensive travel medical insurance plan ideal for parents visiting the USA. It offers strong protection for medical emergencies, hospitalization, and COVID-19 treatment. The plan also covers the acute onset of pre-existing conditions for travelers up to 89 years of age, making it a reliable choice for senior visitors needing broader coverage throughout their stay in the United States stay.
- Acute onset of pre-existing condition: Up to policy maximum for those up to age 89 years
- Coinsurance: After deductible, plan pays 100% up to the policy maximum
- Direct Billing: First HealthCare
- Cardiac Conditions and Stroke Expenses: Covered up to $25,000 per policy period for ages up to 69, and up to $15,000 for ages 70 and above.
- Emergency medical evacuation: 100% up to $1,000,000
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Repatriation of Remains: Up to $50,000
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Safe Travels USA insurance
Safe Travels USA is an ideal plan for parents visiting the USA who want affordable, basic comprehensive coverage for medical emergencies, doctor visits, and hospitalization without paying for high-end features. It also includes coverage for the unexpected recurrence of pre-existing conditions (not acute onset), and covers COVID-19 like any other illness, making it a practical mid-range choice for short visits.
- Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy max.
- Direct Billing: First healthcare network
- Unexpected recurrence of a pre-existing condition Up to $1,000 for those up to age 69
- Cardiac Conditions and Stroke Expenses: Covered up to $25,000 per policy period for ages up to 69, and up to $15,000 for ages 70 and above.
- Emergency medical evacuation: 100% up to $1,000,000
- Urgent Care : $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to $50,000
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
Safe Travels USA Cost Saver insurance
Safe Travels USA Cost Saver by Trawick International is an affordable comprehensive travel medical insurance plan, ideal for parents visiting the USA who want good medical protection at a lower premium. It offers coverage for medical emergencies, doctor visits, hospitalization, and the unexpected recurrence of pre-existing conditions (not acute onset),it’s a smart choice for budget-conscious families seeking broader protection than fixed benefit plans.
- Coinsurance: After deductible, plan pays 80% of first $5,000 then 100% up to the policy max.
- Direct Billing: First healthcare network
- Unexpected recurrence of a pre-existing condition Up to $1,000 for those up to age 69
- Cardiac Conditions and Stroke Expenses: Covered up to $25,000 per policy period for ages up to 69, and up to $15,000 for ages 70 and above
- Emergency medical evacuation: 100% up to $1,000,000
- Urgent Care : $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: 100% up to $50,000
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
5 days to 364 days
How much does Trawick International travel insurance cost for parents visiting the USA?
The cost of IMG travel insurance for parents starts from $28. The cost can vary depending on several key factors such as the traveler’s age, plan type, policy maximum, and deductible.
In the table below, you’ll find the monthly premium ranges for each Trawick plan based on age group and coverage level. This helps families choose the right insurance for their parents visiting the USA.
| Plan name | Plan max coverage | Deductible | Age 50 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $28 - $85 | $39 - $102 | $60 - $166 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $37 - $114 | $50 - $134 | $103 - $151 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $250 | $117 - $197 | $139 - $250 | $237 - $299 |
| Safe Travels USA | $50,000 - $1,000,000 | $250 | $127 - $234 | $147 - $295 | $252 - $332 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $250 | $148 - $278 | $172 - $351 | $294 - $470 |
Trawick insurance FAQs for elderly Indian parents traveling to the US
1. Which Trawick insurance plan is best for parents visiting the USA?
Trawick offers multiple plans designed specifically for parents visiting the USA.
- Safe Travels USA Comprehensive is ideal for those seeking strong, all-around medical protection, including coverage for acute onset of pre-existing conditions (up to age 89).
- For budget-conscious families, plans like Safe Travels USA Cost Saver, Safe Travels Advantage, and Safe Travels Elite provide reliable coverage for medical emergencies and essential travel needs—making them practical choices for short-term visits.
2. Does Trawick insurance cover pre-existing conditions for parents visiting the USA?
Yes, Trawick offers coverage for the acute onset or unexpected recurrence of pre-existing conditions, depending on the plan making it ideal for Indian and international parents with known health issues.
- Safe Travels USA Comprehensive: Covers acute onset of pre-existing conditions up to the policy maximum for parents up to age 89.
- Safe Travels Elite: Covers acute onset up to $25,000 for ages below 70 and up to $15,000 for ages 70+.
- Safe Travels Advantage: Covers acute onset up to policy maximum, with limits of $25,000 for cardiac/stroke events (below age 70) and $15,000 for age 70+.
- Safe Travels USA: Covers unexpected recurrence of pre-existing conditions, not acute onset up to 69 years.
- Safe Travels USA Cost Saver: Also includes coverage for unexpected recurrence, not acute onset, making it suitable for short visits on a tighter budget.
3. Is Trawick travel insurance suitable for elderly parents visiting the USA?
Yes, Trawick travel insurance is well-suited for elderly parents, with many plans offering coverage for travelers up to 89 years of age. These plans are designed to meet the healthcare needs of senior visitors, including benefits for hospitalization, emergency medical treatment, and the acute onset of pre-existing conditions.
Options like Safe Travels USA Comprehensive provide extensive coverage with high limits, while Safe Travels Elite and Safe Travels Advantage offer more affordable alternatives with essential benefits for seniors. Whether you’re looking for robust protection or a cost-effective solution, Trawick has options tailored for elderly parents visiting the USA.
4. Do Trawick plans cover COVID-19 for parents visiting the USA?
Yes. Trawick includes COVID-19 coverage in most of its plans for parents, treating it as any other illness. This provides peace of mind during ongoing global health concerns.
5. Can parents get cashless treatment with Trawick insurance?
Yes, Trawick plans offer cashless treatment options for parents through the First healthcare network PPO Network. This makes it easier to access hospitals and clinics in the USA without paying out of pocket upfront.
6. Can I buy Trawick insurance for my parents after they arrive in the USA?
Yes, you can purchase Trawick visitor insurance for your parents even after their arrival in the USA. However, it’s recommended to buy coverage before or on the day of arrival to avoid delays or uncovered days.
7. What are the deductible and maximum limits in Trawick plans for parents?
Trawick offers flexible options for visiting parents, with policy maximums ranging from $25,000 to $1,000,000 and deductibles starting from $0. This allows families to customize plans based on health history, age, and budget.
8. Is Trawick insurance affordable for parents visiting the USA?
Yes. Trawick provides some of the most affordable visitor insurance plans for parents, such as Safe Travels Advantage and Safe Travels Elite, without compromising essential benefits.
9. Do Trawick plans offer optional add-ons that are useful for parents?
Yes, Trawick insurance plans offer several optional add-ons that are particularly helpful for parents visiting the USA. Plans like Safe Travels USA Comprehensive and Safe Travels USA allow travelers to include riders such as AD&D (Accidental Death & Dismemberment), Return to Home Country Coverage, and Trip Interruption or Emergency Reunion Benefits.
These add-ons enhance the policy by providing extra protection in case of unexpected events, travel delays, or medical emergencies. For families concerned about senior parents traveling long distances, these optional benefits offer valuable peace of mind throughout their stay in the United States.
10. Why Trawick International is a smart choice for Indian parents visiting the USA?
When Indian parents travel to the United States, having proper medical coverage is not optional it’s essential. Trawick International, through its Safe Travels plans, offers trusted, flexible, and affordable travel medical insurance that’s well-suited for senior travelers.
Here’s how Trawick stands out with comprehensive visitor health insurance designed to protect aging parents abroad:
Strong medical coverage for high cost emergencies:
- Comprehensive coverage options: Plans like Safe Travels USA Comprehensive, Safe Travels USA, and Safe Travels Elite offer medical maximums ranging from $50,000 up to $1,000,000, covering hospitalization, surgery, urgent care, doctor visits, and diagnostic tests.
- Flexible duration: Coverage is available for 5 to 364 days, and many plans are renewable, making them ideal for short or extended visits by Indian parents.
- COVID-19 protection: Most Trawick plans, including Safe Travels USA Comprehensive, provide COVID-19 coverage just like any other illness, offering added security during travel.
Acute onset of pre-existing conditions – Covered up to age 89
Trawick International offers several plans that include coverage for the acute onset of pre-existing conditions, a critical feature for Indian parents and elderly travelers visiting the USA.
- Safe Travels USA Comprehensive: This plan covers the acute onset of pre-existing conditions for visitors up to age 89. It provides up to the policy maximum for those under 70, $35,000 for ages 70–79, and $20,000 for 80+ (non-cardiac). For cardiac or stroke-related cases, coverage is $25,000 for under 70 and $15,000 for 70 and older.
- Safe Travels Elite and Safe Travels Advantage: Both plans offer acute onset coverage for travelers up to age 89, with benefit limits such as $25,000 for cardiac/stroke events below age 70, and $15,000 for age 70 and above.
Designed for senior travelers
Trawick offers travel insurance plans specifically tailored for senior visitors up to age 89—an age group often underserved by other insurers.
- Coverage available for ages up to 89.
- Lower policy maximums (e.g., $20,000–$50,000) designed for travelers aged 80 to 89.
- Flexible options including both fixed benefit and comprehensive benefit plans.
Why it matters: Many insurance providers limit coverage after age 70 or 75. Trawick stands out by offering affordable, age-inclusive plans, giving elderly parents and senior travelers continued access to vital health protection during their visit to the USA.
Essential travel support & added protections
Trawick plans provide a strong support system for parents visiting the USA, combining key emergency services with valuable extras:
- Emergency Medical Evacuation and Repatriation of Remains included.
- 24/7 multilingual assistance hotline for real-time support.
- Access to a First healthcare network PPO network for cashless hospitalization at participating providers.
- Additional benefits like Trip Interruption and Accidental Death & Dismemberment (AD&D).
Flexible plans to fit every budget:
Trawick International offers a wide range of visitor insurance plans, making it easy to choose coverage that suits your parents’ health needs and your family’s budget:
- Safe Travels Advantage – One of the most affordable fixed benefit plan, ideal for parents needing essential benefits with limited acute onset coverage.
- Safe Travels Elite – Cost-effective fixed benefit plan for basic protection during shorter visits.
- Safe Travels USA – Balanced mid-level plan offering core medical benefits, including coverage for unexpected recurrence of pre-existing conditions.
- Safe Travels USA Cost Saver – Budget-friendly option that covers essential medical expenses and recurrence of pre-existing conditions, suitable for healthy senior travelers.
- Safe Travels USA Comprehensive – Excellent comprehensive plan with strong medical, emergency, and acute onset coverage.
Trawick International makes visiting the USA safer, simpler, and more secure for Indian parents. With generous medical coverage limits, support for the acute onset of pre-existing conditions, eligibility for seniors up to 89 years of age, and 24/7 worldwide assistance, Trawick stands out as one of the most reliable and parent-friendly visitor health insurance providers available today.