When it comes to Visitors Insurance for Parents visiting from India it needs to be a priority given the high medical expenses and healthcare costs in the USA.
While travel insurance coverage is not mandatory to visit the United States it is essential to prevent paying all unforeseen medical expenses from out-of-pocket.
Ensuring that their trip to USA from India and stay in the United States is comfortable, having travel insurance coverage benefits helps. Visitor insurance for parents visiting USA can be extremely helpful during medical emergencies.
We have listed the best visitor insurance plans for parents visiting USA, the listing is based on industry analysis, feedback from travel insurance companies, and online travel insurance marketplaces.
When it comes to visitor insurance you can select a short-term health insurance plan that is either a comprehensive coverage or a limited coverage plan.
The difference will be in the policy’s maximum medical coverage, covered incidents, the amount payable per injury or sickness, medical emergencies covered, limits for emergency medical expenses, etc.
Understanding the differences between comprehensive coverage and limited coverage will be helpful.
Best visitor insurance is a plan that meets your specific travel insurance needs. It is important to assess your needs before you decide to purchase a plan.
For example, a plan with the best medical insurance limit for the acute onset of pre-existing conditions can be useless for someone who does not have any pre-existing conditions. Do make a note of your requirements and see if the plan meets those needs.
Let’s look at some of the best visitor insurance plans that may be the best medical insurance for parents visiting USA.
When it comes to the best-selling travel medical insurance plans, the following 3 visitor insurance plans rule the charts and are offered by reputed insurance providers:
These 3 travel health insurance plans are very popular insurance for parents visiting USA offering a wide variety of insurance coverage with flexible policy maximum options and deductible choices.
These visitor insurance plans cover medical expenses for a new sickness or injury and also provide coverage for the acute onset of pre-existing medical conditions.
These visitor insurance plans also offer access to PPO Networks just like a health insurance plan. Do note that cashless settlement like in a domestic health insurance plan is not guaranteed with a visitor insurance plan.
Let’s look at the details of each of these “A” Rated plans:
One of the best-selling Comprehensive Travel Insurance Plans from International Medical Group (IMG), a leading insurance provider. Patriot America offers the option of a higher coverage limit of up to $1mn.
The Coverage starts from ages 14 days up to 99 years. Available for a Coverage period of a minimum of 5 days to a maximum of up to 365 days. The plan is extendable for up to 24 continuous months.
Amongst the high-selling travel insurance plans from Worldtrips a leading international travel insurance company. Coverage starts from ages 14 days up to 99 years.
Available for a Coverage period of a minimum of 5 days to a maximum of up to 365 days. The plan is extendable for up to 364 days.
This comprehensive coverage insurance plan from Trawick International Insurance Company is a popular short-term health insurance for parents visiting the USA.
Coverage starts from ages 1 year up to 89 years. Available for a Coverage period of a minimum of 5 days to a maximum of up to 364 days. The plan is extendable for up to 364 days.
Limited Coverage or fixed benefit travel medical insurance plans provide a fixed limit for any incident as defined in the policy document.
Some of the best-selling limited coverage or fixed benefit travel medical insurance plans from reputed insurance providers for parents visiting USA are:
Available to international travelers for coverage when they travel anywhere outside their home country including the USA.
Coverage starts from ages 14 days to 89 years and is available for a minimum of 5 days to a maximum of up to 364 days. The plan can be extendable for up to 364 days
Available to non-U.S. residents and non-U.S. Citizens traveling to the USA. Coverage starts from ages 14 days to 99 years and is available for a minimum of 5 days to a maximum of up to 364 days. The plan is extendable for up to 365 days
Pre-Existing Medical Conditions are generally not covered in travel medical insurance plans.
For parents visiting the USA needing travel insurance to cover pre-existing conditions and not just acute onset of pre-existing conditions, the following travel medical insurance plans can be considered, these are plans from reputed insurance providers:
This plan is available for purchase from a minimum of 90 days to 12 months. The plan maximum limits per injury or illness through age 69 are: $50,000, $100,000, or $250,000, and for Ages 70 and older: $50,000
Pre-Existing Conditions Coverage: Deductible: $1,500 per injury or illness (plan deductible waived). Maximum limit for pre-existing conditions through age 69: $25,000. Maximum limit ages 70 and older: $20,000
Please read the policy document for the respective plans before you shortlist them in your consideration, we have only listed a few highlights of the plans. The plan document details all the coverage limits and exclusions.
Visitor insurance for parents visiting USA from India is important as the risks where you may need medical insurance coverage for a sickness, injury, or other medical emergencies.
A medical emergency can occur anytime to anyone at any place and emergency medical expenses can be extremely high in the USA.
Visitor insurance is critical for all international travelers visiting the USA to ensure they are covered for any new sickness, injury, or medical emergency:
Having a good travel medical insurance plan means peace of mind for you and your parents.
You can Compare Travel Insurance Plans within minutes!
Keep these pieces of information handy when you generate a travel insurance quote to compare visitor insurance plans to purchase:
U.S. residents are well aware of the complexity and high cost of healthcare, visitors from other countries may not always be aware that medical care in the U.S. is not free.
When your parents are visiting USA from India you understand the medical risks involved. One question that comes to mind is will parents’ domestic health insurance in India provide them coverage benefits in the USA?
Most domestic health insurance coverage does not extend benefits when you leave the shores of the country. So if your parents are visiting USA from India it would be good to check the domestic medical insurance policy document if it provides international coverage and look for inclusions & exclusions.
Alternatively, call the customer service department to confirm their health insurance coverage to check for international benefits and then buy visitors’ insurance accordingly.
When parents are visiting USA from India the other question that will come to mind is should buy travel insurance from India or the USA.
The answer to this depends on many facets for consideration:
Health Insurance for Indian parents traveling to the United States is complex with many factors to consider.
Yes, if your parents are non-U.S. Residents and non-U.S. Citizens visiting the USA on a B-1/B-2 visa, you can buy travel health insurance for your parents in the USA.
Visitor insurance can also be purchased for US citizens or green card holders living overseas, or traveling to the USA on other types of visas, do read the policy document to ensure eligibility for the short-term medical insurance plan you want to purchase.
Travel Insurance for parents visiting the USA from India will be cheaper to buy from India. But if you calculate the cost impact to your pockets you may find US travel medical insurance plans to eventually turn out more cost-effective.
Health insurance is regulated in the United States and you have recourse in case of disputes in claims etc, this privilege may not be available when it comes to travel health insurance plans from other countries.
There is a higher probability of travel health insurance plans from the USA being recognized at medical facilities. Managing the claims process would be easier to coordinate for you if you live in the USA and are considering buying visitor insurance for your parents visiting USA.
Many travel medical insurance plans now offer coverage for COVID-19 as standard. Read the visitor insurance policy document to ensure the plan you shortlist, the coverage benefits includes Covid-19.
Yes. If the travel medical insurance plan date is not effective you may be able get complete reimbursement of the premium or there may be some fees and/or pro-rata refund.
Read the visitor insurance policy document of the plan you plan to purchase as the cancellation clause may vary by plan.
You can buy travel medical insurance for your parents, try an online travel insurance marketplace where you can get free quotes, and also be able to compare travel insurance plans.
When it comes to travel insurance coverage you need to invest some time to list down your requirements and evaluate visitor insurance plans that meet those insurance needs.
The plans listed in this article are the travel insurance plans being bought by thousands of people, you can add them to your consideration.
Always read the visitor insurance policy document before you buy travel insurance. It is important to note that travel insurance only pays for eligible medical expenses, assuming that an incident or sickness will be covered for parents visiting the USA will not help.
You need to ensure you have the right visitor insurance plan, if you need pre-existing medical conditions coverage benefits the plan needs to cover them.
Pay attention to the fine print in the visitor insurance policy document to avoid disappointments during claims.