5 Best Visitors Medical Insurance for Parents visiting USA
An 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.
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.
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.
2. 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
3. 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.
4. 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.
5. 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
Related: Should you buy travel insurance from India or USA