Visitor health insurance for parents visiting USA - Plans from $30/month, covering emergency medical care, hospital stays, and acute onset of pre-existing conditions.
Looking for the Best Visitor Insurance for Parents? Compare top U.S. plans and get a free quote in minutes.
When parents visit the United States from India, requires them to obtain proper visitor health insurance. Medical care in the U.S. is among the most expensive in the world, and even a minor emergency can result in thousands of dollars in medical bills. Families experience major financial difficulties when unexpected illnesses or accidents happen because they lack sufficient insurance protection.
Visitor insurance for parents is specifically designed to cover medical emergencies which includes hospitalization, doctor appointments, and in most cases of sudden pre-existing condition emergencies during their time in the United States. Whether your parents are visiting for a few weeks, several months, or are newly arrived Green Card holders, choosing the right US-based travel medical insurance plan provides financial protection and peace of mind.
On American Visitor Insurance, you can compare top-rated plans, understand coverage options for pre-existing conditions, review costs, and find the best travel health insurance plans tailored to your parents’ age, health needs, and duration of stay in the United States.
The need for health insurance for parents visiting the USA is indeed crucial. Healthcare costs in the US are extremely high, and without proper insurance, even a minor medical issue can lead to significant financial strain. Here are some key reasons why health insurance is essential for visiting parents:
Health insurance for Indian parents visiting USA typically provides coverage for various unexpected events and emergencies.
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 Trawick International |
$25,000 - $150,000 | $0 | $30 - $85 | $39 - $102 | $60 - $166 |
| Visitors care IMG |
$25,000 - $100,000 | $100 | $30 - $64 | $40 - $75 | $66 - $148 |
| Visit USA Budget Travel Insure |
$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. 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 Trawick International |
$50,000 - $1,000,000 | $117 - $197 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $117- $217 | $137 - $274 | $234 ($50,000) |
| Travel Medical Basic Seven Corners |
$50,000 - $1,000,000 | $117- $217 | $137 - $274 | $234 ($50,000) |
| Visitors Preferred IMG |
$50,000 - $1,000,000 | $127 - $239 | $148 - $301 | $253($50,000) |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $130 - $244 | $177 - $307 | $258 ($50,000) |
| Atlas America World Trips |
$50,000 - $1,000,000 | $131 - $261 | $177 - $378 | $355 - $444 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $148 - $278 | $172 - $351 | $294 - $470 |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $182 -$313 | $229 - $301 | $353 ( $50,000) |
| Patriot America Platinum IMG |
$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 ®
Review US visitor insurance plan benefits.
Travelers planning to stay abroad for several months should consider long-term travel insurance, which is designed for extended stays and provides continuous medical coverage without the need to purchase multiple short-term plans.
This option is ideal for any travelers staying overseas for more than six months, offering better value, broader benefits, and peace of mind throughout the journey.
When parents travel to the United States, medical costs can be very expensive. Choosing the right travel insurance for parents visiting USA ensures financial protection against emergencies, hospital stays, and unexpected healthcare needs. Explore best coverage options, recommended limits, and tips to safeguard their trip.
👉 Read more about how much travel insurance parents need for visiting USA? »Decision to buy travel insurance from the USA or India depends on your budget, coverage needed and the preferences:
| Feature | US-Based Travel Insurance | Indian Travel Insurance |
|---|---|---|
| Designed for US Healthcare System | Tailored to US medical costs and billing systems | Not specifically structured for US healthcare system |
| PPO Network Access | Access to PPO networks for direct billing and reduced out-of-pocket expenses | PPO access in the US may not be available, leading to higher upfront payments |
| Claims Process | Direct billing within network; easier claims handling due to familiarity with US regulations | Often reimbursement-based, requiring payment first and later claim submission |
| Currency | Policy issued in US dollars, avoiding currency fluctuation issues | Policy typically issued in INR; exchange rate variations may affect reimbursements |
| Integration with US Providers | May integrate better if parents already have US healthcare arrangements | Limited coordination with US providers |
| Customer Support | Easier communication due to English language support and US time zone alignment | Communication may be challenging when coordinating with US hospitals |
| Coverage Flexibility | Comprehensive plans with higher coverage limits and senior-focused benefits | May offer lower premiums but sometimes limited coverage options |
| Purchase Process | Online purchase with immediate policy issuance | May involve longer processing time depending on insurer |
| Specialized Senior Coverage | Plans may include pre-existing condition coverage, emergency evacuation, and extended stays | Pre-existing and high-limit options may be more limited |
Always compare coverage limits, deductibles, exclusions, and pre-existing condition clauses before purchasing a plan for parents visiting the USA.
| Type | Definition | Examples |
|---|---|---|
| Acute Onset of a Pre-Existing Condition | A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. | Heart attack, sudden asthma attack, acute appendicitis |
| Chronic Pre-Existing Condition | A long-term or ongoing condition that existed prior to coverage and is generally managed over time | Diabetes, hypertension, chronic kidney disease |
Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.
Affordable coverage for emergency medical care and pre-existing conditions.
👉 Compare Plans NowIf you are looking for the best health insurance for parents visiting the USA from India with pre-existing conditions, choosing the right plan is critical. Medical care in the U.S. especially in states like California, New York, and Texas can be extremely expensive. The right visitor insurance plan can protect your parents against emergency hospitalization, sudden flare-ups, and acute onset of pre-existing conditions.
Below is a comparison table for Safevista Protect Insurance, Premier X, Visitors Protect, and Elite X, helping you choose the best travel insurance for parents visiting the USA with pre-existing conditions.
| Plans for Parents | Pre-existing Coverage | Minimum Purchase | Cost |
|---|---|---|---|
| Safevista Protect Insurance Comprehensive | Acute onset coverage, up to age 99 | 10 days | $215 |
| INF Premier X Fixed benefit | Full pre-existing coverage, up to age 99 | 90 days | $445 |
| Visitors Protect Comprehensive | Pre-existing coverage, up to age 99 | 90 days | $954 |
| INF Elite X Comprehensive | Full pre-existing coverage, up to age 99 | 90 days | $1243 |
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).
Choosing visitor insurance for parents and seniors requires a different approach than buying coverage for younger travelers. Age limits, existing health conditions, and higher medical risks mean that the smartest choice is rarely the cheapest plan. Instead, travelers should focus on coverage that offers protection, clarity, and predictability.
For older travelers, medical needs can escalate quickly. Even a short hospital stay in the U.S. can result in very high bills. Smarter Senior Visitor Insurance planning means choosing the highest medical coverage maximum available for the traveler’s age, rather than settling for the minimum.
Higher coverage limits help protect savings and reduce financial stress during unexpected medical situations.
Example: A 68-year-old parent visiting the U.S. experiences severe dehydration and dizziness and is admitted to the hospital for observation and tests. A two-day hospital stay, blood work, and imaging can cost $18,000–$25,000. A plan with a low coverage cap may run out quickly, leaving the family to pay the remaining balance. Choosing the highest coverage maximum allowed for their age helps absorb these costs and protects family savings.
Many parents and seniors manage stable conditions such as diabetes, high blood pressure, or heart-related issues. While these conditions may be under control, sudden complications can still occur during travel. Smarter medical insurance for seniors must include coverage for emergency treatment from pre-existing conditions, widely known as acute onset coverage. This benefit can help cover sudden, unforeseen medical emergencies related to existing conditions, rather than excluding them entirely.
When buying insurance:
Plans that offer some level of emergency protection are generally more suitable for senior travelers than those with complete exclusions.
Example: A 72-year-old traveler with well-controlled diabetes experiences a sudden spike in blood sugar due to travel stress and diet changes. Emergency treatment is required. With acute onset coverage, the insurance helps cover emergency care related to the existing condition. Without this benefit, the entire medical bill may be denied because the condition existed before travel.
Low premiums can sometimes hide high out-of-pocket expenses. Smarter Senior Parents insurance choices focus on expected costs, not just affordability.
Choosing a plan with transparent and reasonable cost-sharing helps families plan financially and avoid surprises during medical treatment.
Example: A senior traveler visits an urgent care center and later requires a short hospital stay, resulting in a $10,000 medical bill. With a $500 deductible and 20% coinsurance, the family pays the deductible first and then shares a portion of the remaining cost. Because these terms were clearly explained upfront, the family knows what to expect and avoids panic or confusion during treatment
All insurance plans have exclusions, but smarter insurance for seniors explain them clearly before purchase. This clarity is especially important when insuring parents or seniors, where assumptions can lead to denied claims.
Knowing exclusions in advance helps senior parents choose coverage with confidence and avoid misunderstandings during emergencies.
Example: A parent visiting the U.S. schedules a routine follow-up appointment for high blood pressure, assuming it will be covered by their visitor insurance. The claim is later denied because routine check-ups and ongoing management of chronic conditions are excluded under the policy. Since this exclusion was not reviewed before purchase, the family is surprised by the out-of-pocket expense.
For parents and seniors visiting the U.S., smart insurance planning means choosing coverage that matches health needs, age eligibility, and risk exposure not simply the lowest-priced plan.
By focusing on higher coverage limits, emergency protection for pre-existing conditions, predictable out-of-pocket costs, and clear exclusions, families can choose the best parents visitor insurance on American Visitor Insurance that offers real protection and peace of mind throughout the trip.
The best travel insurance for parents visiting the USA from India depends on their age, medical history, length of stay, and coverage needs. Senior parents should choose comprehensive visitor insurance plans because these plans provide better hospitalization protection and major medical emergency coverage than fixed benefit plans.
The insurance companies that people trust most include IMG(International Medical Group), Worldtrips, Seven Corners, Trawick International, and INF Insurance. The companies offer plans which have policy maximums between $50,000 and $1,000,000 or higher while premium options like Patriot America Platinum from IMG provide coverage up to $8,000,000.
The most popular comprehensive plans for parents include the following options:Deductible: The amount parents must pay first before the insurance starts covering medical expenses. Lower deductibles usually mean higher premiums.
Copay (Copayment): A fixed amount paid for specific services (e.g., doctor visits or ER visits).
Coinsurance: A percentage of the medical bill the insured pays after the deductible (e.g., 10% or 20%). Often capped up to a certain limit.
PPO Network: A network of hospitals and doctors that bill the insurance company directly, reducing out-of-pocket expenses.
Out-of-Network: Visiting providers outside the PPO network may require paying first and filing for reimbursement.
Riders: Optional add-on benefits (such as enhanced pre-existing condition coverage).
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.
US travel health insurance plans provide comprehensive medical coverage for Indian parents visiting the USA by offering wide range of benefits and plan options within their senior travel insurance policies.
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:
As the US government states that new Green Card Parents without proper health insurance in the US are becoming a burden to the US hospitals and US medical system which is adding the cost of their healthcare to the US taxpayers. New Green Card Parents are not immediately eligible for Obamacare and other domestic US health insurance or Medicare.
In this interim period till they get domestic health insurance coverage, it is important to buy proper Greencard holders medical insurance. The medical insurance for Green card holders in USA listed here are very popular health insurance for permanent residents. The US short term health insurance for Green Card Holders offered here work ideally for parents over 65 years.
Click here to read more »Thank you for contacting American Visitor Insurance with your inquiry!
For visitors to the USA, there are a few fixed benefit plans that include emergency cardiac coverage, which can be very useful for older travelers or parents with a history of heart problems.
One option is the Venbrook Essential Insurance, which covers the acute onset of pre-existing conditions but excludes chronic or congenital disorders. It is one of the few fixed plans that offers coverage of up to $15,000 for emergency cardiac issues.
Venbrook Essential Insurance
Another good option is the Safe Travels Elite Insurance Fixed plan from Trawick International, which also includes cardiac or stroke coverage-up to$25,000 or $15,000 depending on the traveler's age. It covers COVID-19 like any other illness and can be purchased even if your parents are already in the U.S.
Both plans are affordable options if your main concern is having some coverage for heart-related emergencies during your parents' visit.
Safe Travels Elite Insurance
Please let us know in case of any questions.
Sincerely,At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
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 visitor coverage insurance for parents.
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!
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 health insurance for parents visiting USA. We offer the best travel Insurance for Parents Visiting USA over 80 years from top insurance providers.
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.
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.
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).
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.
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.
It depends. It depends primarily on where you are traveling to. For travel to Europe, some are required to purchase travel health insurance and many European countries only require $50,000, so that should be enough for travel to those countries. In other countries, like the US, Canada, and Japan costs are rising and one may want a higher amount of coverage if traveling there. The amount that is available for purchase depends on the age of the traveler, so the choice of maximum should be made depending on availability and destination of the traveler.
No, adding parents to your health insurance plan is generally not allowed unless they meet specific criteria as dependents, such as being financially dependent and meeting age requirements. Health insurance plans typically cover spouses and dependent children, with age limitations for children. When it comes to international travel insurance for parents visiting USA from India it is recommended that each parent has their own individual policy. They can purchase travel medical insurance or a separate short-term health insurance plan during their stay in the U.S.
Parents visiting the USA can apply for a B-2 Tourist Visa. The B-2 visa is designed for individuals who wish to visit the U.S. for tourism, or traveling.
Parents visiting the USA can apply for a B-2 Tourist Visa. The B-2 visa is designed for individuals who wish to visit the U.S. for tourism, or traveling.While being in good health is certainly great, travel insurance is not solely about covering medical expenses for unhealthy travelers. Even healthy traveler especially parents and senior travelers can encounter an accident or face unexpected situations or emergencies during their travels. Unexpected events such as family emergencies or other unforeseen circumstances could force you to cancel or cut short your trip.
While medical coverage is an important aspect of travel insurance, it offers a comprehensive list of benefits that go beyond health considerations. US health insurance for visiting parents provides financial protection and peace of mind in case of unexpected events, which can happen to anyone. Given the relative cheap cost of travel insurance when compared to the cost of international travel, it is a great idea to buy the best visitor insurance for parents.
When traveling to the US, there are different types of travel insurance for parents, depending on your specific needs and the nature of your trip. US insurance providers on American Visitor Insurance offer different types of insurance benefits for parents. When traveling to the US having the best medical insurance for parents visiting USA from India is strongly recommended due to the high cost of healthcare in the U.S. If parents 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. It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate coverage for potential medical expenses during your stay in the U.S. Keep in mind that U.S. immigration policies may change, so it is crucial to check the latest information and requirements on the official US government website when planning to apply for a U.S. visa.
Travel insurance policies 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. International 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:
Common Exclusions in travel insurance:
"Travel insurance" and "visitor insurance" are terms that are sometimes used interchangeably, but they can refer to different types of insurance products, and their meanings may vary depending on the context.
Travel Insurance also called trip cancellation insurance:
Visitor Insurance also known as Travel health insurance:
In summary, while travel insurance is a broader term that encompasses various types of coverage for different types of trips, visitor insurance specifically targets individuals visiting a foreign country and emphasizes medical coverage for the duration of their stay.
Typically, you cannot add your parents to your travel insurance plan in the US. Most travel health insurance plans are designed to cover immediate family members, such as spouses and children, but generally don’t include parents.
When you're traveling to USA from India, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance will help you settle these issues without worrying about paying huge bills upfront.
With a cashless US visitor insurance, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances.
Find the most reliable, affordable, and widely accepted cashless insurance for travel to USA, so that you can travel smart and worry-free.
