Visitor medical insurance for Parents visiting family in the US

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Parents travel insurance for USA

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Thanks to the amazing growth in the technology, we live in a global village, where travel across the world has become easier and diverse cultures are living together. As a result the number of people traveling outside their home country has increased exponentially in the 21st century.

We now see that a lot of people who have settled abroad, where they have found their dream job and have achieved success in their careers, but are living far away from their families who remain in their home country.

The United States along with other developed European nations are the countries that attracts most of these educated global professionals.

In this globalized world with families spread across the globe, it is natural for grand-parents and parents wanting to visit their children and grand-children to spend time with them. International travel for these older family members, quite often to the US or Europe is naturally exciting where one gets to meet family members as well as seeing a new country.

International travel however can be difficult for older travellers as it comes with long air travel, different weather conditions, different language and culture. Buying international travel insurance however does not have to be onerous. Visitor travel Insurance protects the traveller from unexpected incidents which needs medical attention so the visitor can travel worry free.

Visitor health insurance plans are classified either as Fixed benefits/scheduled benefit plans or as Comprehensive travel insurance plans. Fixed benefit visitor insurance are not recommended since in most cases they are limited and not flexible in their benefits. They are however priced cheaper and work well for very minor medical expenses.

Comprehensive visitor insurance plans on the other hand are recommended as they are exhaustive and flexible with their coverage. Travel Insurance plans do not cover preventive care, and have limited coverage for the acute onset of the pre-existing conditions. Fixed plans and some of the comprehensive plans provide acute onset coverage for pre-existing ailments up to the age of 70 while some comprehensive plans extend this coverage even for older travellers beyond 70 years.

Apart from medical care, US travel medical insurance also provide coverage for emergency medical evacuation, repatriation, hospital indemnity... It is important for visitors to read the policy brochure before buying a plan to make sure that the specific coverage that you feel is important is covered adequately.

Some of these plans also provide good coverage for some hazardous sports activity.

Atlas America, Atlas Premium America, Patriot America Lite, Patriot America Plus, Travel Medical Insurance, Safe Travels USA Comprehensive, Safe Travels USA, Elite Plan... are some of the popular comprehensive visitor insurance plans.

These travel Insurance plans are by reputed US insurance companies like WorldTrips, International Medical Group, Seven Corners, Trawick International, INF and Global Underwriters. These companies work with known provider networks like First Health PPO, Coventry Healthcare, United Healthcare, Multiplan...

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Best health insurance for parents with pre-existing conditions

Majority of the US health insurance plans for parents offer coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

But INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance for parents with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.

The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite best travel insurance for pre existing conditions..

Note: **Both the Premier plan and Elite plan have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

INF travel insurance

INF travel insurance is popular among Indian parents visiting the USA. INF plans are ideal travel insurance for Indian parents visiting USA as it provides accident & sickness coverage as well has pre-existing conditions coverage that is especially important for parents and older travelers visiting family in the United States or Canada.

  • INF Premier Insurance:
    • COVID19 Medically necessary testing & treatment covered as any other new sickness
    • Pre-Existing Complications from COVID19 Covered
    • Covers All new medical conditions
    • Minimum Enrollment of 90 Days
    • Fixed Benefit Full Pre-Existing Coverage
    • Covers age up to 99 Years
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Premier Insurance Plan Details Brochure Buy now
  • INF Elite Insurance:
    • COVID19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Pre-Existing Complications from COVID19 Covered
    • Covers All new medical conditions
    • Minimum Enrollment of 90 Days
    • Comprehensive Full Pre-Existing Coverage
    • Direct Billing with Multi-plan Network
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Elite Network Insurance Plan Details Brochure Buy now
  • INF Traveler USA Insurance:
    • COVID19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
    • Direct Billing may be available from Multiplan Health Network PPO providers
    • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
    • Available for non-US citizens ages 0-99
    INF Traveler USA Insurance Plan Details Brochure Buy now
  • INF Standard Insurance:
    • COVID19 Medically Necessary Testing & Treatment covered as any other new sickness
    • Covers All new medical conditions including Virus Related Sickness
    • Fixed-Benefit Plan for Parents visiting the USA
    • Available for all Non-US Citizens
    • Fixed-Benefit Plan which covers all Age Groups 0-99+
    • Covers accident & sickness while traveling to USA, Canada, and Mexico
    INF Standard Insurance Plan Details Brochure Buy now

Some important points to remember while travelling for senior travelers

  • Preventive Measures Include: - vaccination, regular washing of hands, wearing a mask, maintaining physical distancing and purchasing travel medical insurance.
  • Older parents should limit in-person interactions with people mainly when in closed rooms/indoors.
  • All citizens who are fully vaccinated can resume their daily activities as usual like it was before the pandemic without wearing a mask unless the country you are in is expecting you to wear a mask.
  • In case, if there has been a medical condition and have been fully vaccinated and are consuming medication they need to take steps to protect themselves and take constant advice from the healthcare provider.

Parents visiting family in the US - Frequently asked questions

My Parents are traveling to the U.S what type of insurance do they need?

There are mainly two types of short term travel insurance, ie – trip cancellation insurance (where the focus is on insuring the expenses related to the trip) and travel medical insurance (where the focus is on insuring the health of the traveler).

For most parents visiting the US, the focus will be on insuring the health of the traveling parent, ie – travel medical insurance. Within travel medical insurance, the specific type of travel insurance will depend on factors such as the duration of travel in the U.S and any pre- existing conditions of the traveler.

There are broadly two types of travel medical insurance options –

  1. Comprehensive travel insurance
  2. Fixed benefits travel insurance.

The most extensive cover is the comprehensive visitor health insurance which has full flexibility in coverage up to the policy medical maximum when compared to the fixed benefits plan (where there are clearly defined limits on different medical expense coverage). It is important to carefully check the details before buying the visitors travel insurance if it meets all the requirements for their stay in the US.

Can I purchase one travel insurance policy for both of my parents?

Yes, you can purchase one policy for both parents, however it is advisable to have two separate insurance plans as that would be more flexible in case of any changes required after the inception date of the policy to any one persons coverage (like the need to travel back earlier, or to extend the stay more than the other traveler).

The price will remain unchanged irrespective of whether you buy one travel insurance plans for both parents, or two separate insurance plans for each parent.

Can I choose a higher policy maximum for my parent's visitor insurance?

It is recommended to buy higher medical maximum coverage ($250,000 to $500,00), however many insurance plans become restrictive for travelers over the age of 70 years. For older travellers above 70 years, the policy maximum is often limited to $50,000.

Can I buy travel insurance cover on behalf of my parents to visit the U.S?

Yes, the application process can be completed and payment can be made by a child on behalf of one’s parents.

My parents are in the U.S and they don't have travel visitors insurance; will I be liable for my parent's medical bills?

The sponsor or the guarantor who has signed the documents for their travel will be liable for any unpaid medical bills of the parents. A legal expert's advice will be more helpful.

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Covid19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, there has been a sudden surge in the infected cases by the new Omicron and Delta variants. Travelers must ensure that they have the right travel health insurance with proper Covid19 coverage.

Travelers can be rest assured that regardless of which variant the insured has contracted the illness, coverage will be provided by the insurance provider. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.

We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Tips for Parents while traveling to the US during Covid

The CDC has advised that all adults should get vaccinated as soon as possible as this is a preventive measure for COVID19 . Recent studies indicate that the vaccines is effective in reducing the severity of theCOVID19 virus in a person even if infected. All senior citizens who are fully vaccinated have lesser possibilities of being hospitalized due to Covid19 infection. While CDC has advised to avoid all non -essential travel to be safe, however in many unavoidable circumstances it is difficult to prevent travel.

The US authorities have announced that effective November 8th 2021, fully vaccinated international travelers will be allowed by air and land to the US. Travelers need to produce a poof of vaccination and proof of a negative Covid19 test report taken 72 hours prior to boarding the US flight. Along with preventive measures, a good travel medical insurance will certainly help in stress free travel for older adults.

International travel insurance can provide coverage for medical expenses due to unexpected medical and travel emergencies and also insure the trip costs and health of the traveler. As there is an increased risk for older travelers getting very sick , and the possible need for hospitalization, intensive care or a ventilator, having good travel health insurance is important.

Visiting an US hospital without insurance is scary as the Healthcare in the US is very expensive. American visitor insurance works with some of the best US insurance providers who offer plans with coverage for acute onset of pre-existing conditions and Covid19 at guaranteed best price. For more details travelers can call the customer service or email American visitor insurance.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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