8 Best Health Insurance for Parents Visiting USA

If you’re looking to buy the best health insurance for parents visiting USA, this article will give you the best options.

If you have elderly parents who are planning to visit you in USA, a 15-hour journey all the way to a foreign land can be challenging. Of course, you can give them tips for senior passengers in long haul flights to make their experience more comfortable.

But, nothing makes you feel safe as getting a good health insurance plan for your parents.

Get your parents insured against any medical emergency, surgery, or pre-existing conditions with a good health insurance plan.

So, which are the best plans? Which are the best insurance companies?

What about the claim process? Who can you trust? Who not?

Let’s answer all these questions.

Best Health Insurance for Parents Visiting USA

We did extensive research based on the following.

• Insurer reputation.
• Insurance claim ratio.
• Customer satisfaction.
• Plan features.
• Coverage benefits.

Based on the research, here are the best health insurance for parents visiting the US.

Also read: Travel insurance buying tips.

Now, let’s review and analyze them in detail.

1. Atlas America

Atlas America is a great travel insurance plan for parents visiting the USA. Here is the reason why.

Administered by HCC MIC, Atlas America visitors insurance provides medical coverage and emergency services for visitors to the USA including emergency medical evacuation, repatriation of remains, terrorism, natural disasters, etc.

After paying the deductible, Atlas America pays 100% up to the selected policy maximum within the chosen PPO network.

Also read: Limited v/s Comprehensive Insurance – Which is better?

2. Patriot America Plus Travel Insurance

Provided by International Medical Group, Patriot America Plus is a visitors insurance plan specially designed for non-US citizens. It provides comprehensive coverage for people up to 80 years of age, for 5 to 365 days, for travel as well as medical emergencies.

Related: How to make the best use of Travel insurance

3. Visitor Secure

VisitorSecure is a visitor insurance plan for those on a budget. Intended for visitors to USA for a short time. This travel insurance plan offers basic coverage, is low cost, and offers fewer benefits compared to other comprehensive plans.

If you’re looking for comprehensive travel insurance that will cover you for almost any eventuality, then VisitorSecure is definitely worth considering. They offer a wide range of cover options, so you can tailor your policy to suit your needs, and their prices are very competitive. I particularly like the fact that they cover pre-existing medical conditions, as this is often excluded by other insurers.

The claims process is very straightforward, and I found the customer service team to be very helpful when I needed to make a claim for lost luggage. Overall, I was very happy with my experience with VisitorSecure and would definitely recommend them to others.

For more policy details, check out their page here.

4. SafeTravels USA Comprehensive

The SafeTravels USA Comprehensive travel insurance plan is a great option for those looking for comprehensive coverage while traveling. The plan offers a variety of coverage options, including medical, evacuation, and trip cancellation/interruption.

We especially appreciate the 24/7 assistance services offered by SafeTravels USA, which can be invaluable when traveling abroad. Overall, we think this is a great option for travelers looking for comprehensive coverage.

The SafeTravels USA Comprehensive plan offers a variety of features to help you stay safe and healthy while traveling. These features include:

• 24/7 access to a team of medical and security experts
• A comprehensive travel insurance policy
• A mobile app with safety information and alerts
• A 24/7 emergency hotline
• Discounts on travel health and safety products

5. Atlas Essential America Travel Insurance

Atlas Essential America Travel Insurance provides coverage for emergency medical expenses, trip cancellation, trip interruption, baggage loss or delay, and more.

Atlas Essential America Travel Insurance is designed to protect visitors to US. The policy provides comprehensive coverage for medical expenses, trip cancellation, trip interruption, baggage loss, and more.

Atlas Essential America Travel Insurance also offers optional coverages for adventure activities, rental car damage, and identity theft protection.

6. Atlas Premium America

If you’re looking for comprehensive travel insurance for your next trip to America, Atlas Premium America Travel Insurance is a great option. It covers everything from medical expenses to lost or stolen luggage, and even provides cover for delays and cancellations. The policy also includes cover for adventurous activities like skiing and white-water rafting, which is great if you’re planning on doing any of those while you’re away.

The only downside is that the policy is quite expensive, but if you’re looking for comprehensive cover then it’s definitely worth the price.

The rest of this list features travel insurance for visiting parents that is offered by Indian companies.

However, I do not recommend them – Should you buy travel insurance from India or USA.

7. Bajaj Allianz Senior Citizen Travel

The Travel Companion Plan covers the insured against loss or delay or baggage, personal accidents, emergency evacuation, flight delay or cancellation, and other medical contingencies. You can also get a cash advance in case of emergency cash need overseas. You can also avail of additional benefits with packages like Travel Elite 61-70 and Travel Elite 71-75.

Related: Is it a good idea to buy travel insurance when traveling to USA

8. Religare Travel Insurance

Besides providing adequate cover for unforeseen medical and travel expenses overseas, this policy also covers your parent for any expense incurred due to a pre-existing medical condition. If your parent does not suffer from any serious medical illness or do not have problematic blood pressure, this policy is probably not for them, as pre-existing conditions are covered at very high premiums and you may not want to spend so much on single trip insurance.

9. Tata AIG Travel Guard

Provided by TATA AIG, this insurance policy not only protects you against medical and travel emergencies, it also gives you the flexibility to enhance your assured sum and renew it for life. Besides providing the general flight delay and cancellation benefits, it also has flight hijack and terrorism benefits.

10. Chola Overseas Travel Protection Policy

Provided by Chola MS, this is another policy that provides cover for pre-existing medical conditions. This plan also gives distress allowances in case of plane hijack and flight delay of more than 12 hours. In case of theft or robbery, the Chola Overseas Travel Protection Policy offers a fixed sum as emergency assistance to policyholders.

Details here

Related: Short trip travel insurances for USA

Now that you know the basics of the popular insurance policies, help your parents to prepare for their journey, get down to planning the perfect itinerary for them and give them and yourself a memorable time.

Comprehensive or Fixed – Which health insurance is best for visiting parents?

There are two types of health insurance available for parents visiting USA – Fixed and Comprehensive.

Here are the differences.

Steps to buy health insurance for US visitors

Here are the steps to buy the best travel/health insurance plan.

1. Furnish the details like age, travel dates etc on the insurer’s website.
2. Compare different health insurance plans, that are recommended for you.
3. Buy the travel/health insurance plan online.
4. Review details, download the insurance plan and keep it handy.

You can buy visitors insurance from websites like Insubuy and Visitcover.

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