Visiting Parents
Posted By Karthik

5 Best Visitors Medical Insurance for Parents visiting USA

Here is a list of best medical insurance for parents visiting USA.


(Last Updated On: January 3, 2019)

Best visitors insurance for parentsAn article published in February 2017, by Columbia Business School, revealed that 3 million people of Indian origin currently live in the United States, which constitutes about 1% of America’s total population. About two third of these people have arrived in the ongoing IT generation wave. The article also states that 90% of Indian individuals who arrive on H1B visas, stay back in the United States as legal permanent residents. The figures indicate that a large number of Indians choose to live in the United States away from their families, even though staying away from ones family can be painful. However, having your family visit you in the United States can be a totally new kind of joy all together.

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

If you have elderly parents who are planning to visit you in America, a 15-hour journey all the way to a foreign land can be challenging for them. You can give them tips for senior passengers in long haul flights to make their experience more comfortable. Also, be sure to find and buy the most suitable visitor insurance for your parents to cover for travel as well as medical contingencies.

Best Medical Insurance Plans for Parents Visiting USA

There are plenty of medical insurance plans available, but here are the best that I know of.

Make sure you get travel insurance – Compare plans here

1. Patriot America Plus Travel Insurance

Provided by International Medical Group, this is a 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.

Features

  • Rated “A” Plan
  • 100% coverage in network after deductible
  • PPO network
  • Renewable and cancellable
  • Coverage during international travel
  • Up to $500,000 coverage for acute onset of pre-existing conditions

Also read: Travel insurance buying tips

2. Cover America Gold

This is a comprehensive coverage plan that offers coverage from 5 days to 364 days. Offers up to $125,000 coverage on acute onset of pre-existing conditions and offers one of the most extensive PPO network.

Features

  • 100% coverage in network after deductible
  • Urgent care copay $20-$25, depending on policy max
  • Coverage for emergency dental treatment and eye exams
  • Acute onset of pre-existing conditions coverage up to $125,000 for those 69 and under, and up to $30,000 for ages 70-79.

Related: How to make the best use of Travel insurance

3. Liaison Travel Choice

This too, is a comprehensive coverage plan (better compared to limited coverage plan) and offers coverage from 5 to 364 days (short visits). You can renew or cancel the plan after you’ve taken it (flexible) and offers a very good PPO network of Doctors you can visit should need arise. This plan offers up to $30,000 in coverage for acute onset of pre-existing conditions.

Features80%-100% coverage

  • PPO network
  • Renewable and cancellable
  • Coverage during international travel
  • Up to $30,000 coverage for acute onset of pre-existing conditions

Rest of this list features travel insurance you can buy from India. However, I do not recommend it – Should you buy travel insurance from India or USA.

4. 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 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

5. 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 do 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 a single trip insurance.

6. 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.

7. 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.

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 a them and yourself a memorable time.

Photo credit – Mynameisharsha

Also read: What to do if you travel to USA without travel insurance

Best Medical Insurance for Parents Visiting USA
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Summary

There are plenty of options when it comes to buying medical insurance for parents visiting USA. Cost of plans depend upon how long the stay is, coverage required and age of visitor. It is recommended to buy insurance from US companies compared to Indian ones, as they have been known to be less accepted in the US.

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Having lived in 3+ countries, worked for companies small and big in USA, Middle East & India, I have a lot of stories to share about international travel, immigration and living as an NRI in the US. Add me on WhatsApp if you have any queries (+001-408-489-4785)

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