If you’re looking to buy a travel insurance policy for your parents visiting USA from India, this article will give you the best options.
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. 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 travel insurance plan.
The best travel insurance for parents visiting the USA are comprehensive plans that cover their whole stay, and offer short-term medical insurance.
Best Travel Insurance for Parents Visiting the USA
Here arethe best travel insurance plans for parents visiting the US.
Also read: Travel insurance buying tips.
Best Medical Insurance for Parents Visiting USA
There are plenty of medical insurance plans available, but here are the best that I know of.
1. Atlas America
Atlas America is a great travel insurance plan for parents visiting the USA. Here are the reason why.
Administered by HCC MIC, Atlas America 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.
2. 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.
- 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
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 of additional benefits with packages like Travel Elite 61-70 and Travel Elite 71-75.
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.