Visiting Parents
Visiting Parents

5 Best Travel Insurance for Parents Visiting USA from India

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


OK, here’s an important update for all those, inviting their parents to USA from India. Bringing your parents to US is probably one of the most “happy things” you’ll do. But, there are certain things you need to keep in mind. Let’s take a look.

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 travel insurance for your parents to cover for travel as well as medical contingencies. This is super important, as medical cost in US is alarmingly high.

You don’t want to take the risk.

So, here are some of the best travel insurance for parents visiting the US.

Best visitors insurance for parents

Best Travel Insurance for Parents Visiting the USA

Best Plans For Short Visits

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, Patriot America Plus 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

Cover America Gold 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. Visitor Secure

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

For more policy details, check out their page here.

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

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 a them and yourself a memorable time.

Photo credit – Mynameisharsha.


Having lived in 3+ countries, worked for companies small and big in the USA, Middle East & India, I have a lot of experience to share about international travel, immigration and living as an NRI in the US. Add me on WhatsApp if you have any queries (+1-408-489-4785)

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