Best travel insurance for Parents visiting USA

Comprehensive travel insurance plans are the most popular travel insurance plans for parents in the US. They cover:

• Medical Emergencies: This includes covering the expenses for unexpected sickness and injury including emergency evacuation, repatriation.
• Trip Interruption: This includes covering for the unused portion of the trip when you cannot continue with the trip like recovering hotel stays, transportation expenses...
• Baggage loss: Lost or stolen baggage coverage will be provided by replacing or by refunding the expenses for them.
• Travel delays: Coverage for the flight or any transportation expenses due to delay.

What is the best company to get travel insurance from?

The best company for getting travel insurance are a few and people can get from any of them depending on their requirements and choices. Here are some popular companies whose travel health insurance for Indian parents are very popular:

• IMG(International Medical Group): Offers a wide range of travel medical insurance plans for both US and non-US residents, with coverage options offering up to $1,000,000 in medical maximums. IMG's Trip plans offer 100% trip cancellation coverage.
• Worldtrips: Offers comprehensive plans with coverage outside of the home country with worldwide coverage including or excluding the US. Policy maximum options available up to $1,000,000 with these plans
• Seven Corners: Offers comprehensive travel insurance plans for US and Non US citizens and residents. Their trip insurance plans provide 100% coverage for trip cancellation.
• Trawick International: They offer comprehensive travel insurance plans that provide policy maximum coverage for up to $1,000,000. Most of their plans are for Non US citizens visiting the US. Their trip insurance plans are popular and offer 100% coverage for trip cancellation.
• INF: INF Plans have been very popular for parents from India, and other older travelers with pre-existing conditions visiting the USA. INF plans travel insurance offers coverage for pre-existing ailments providing the coverage necessary for many seniors visiting their families in the US.

The best visitor insurance for parents visiting USA from India are comprehensive plans and offer coverage for pre-existing conditions. Given that parents are buying visitor insurance not for small ailments but rather for more serious situations involving hospitalization, comprehensive visitors insurance for parents from India is recommended especially while traveling to the US.

• Atlas America from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum. Acute onset of preexisting condition is available up to the age of 79.
• Patriot America Platinum from IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.Acute onset of preexisting condition is available up to the age of 70.
• Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available. Acute onset of preexisting condition is available up to the age of 89.
• Patriot America Plus from IMG: This plan offers a policy maximum of up to $1,000,000 up to the age of 70 and is available for both US and Non US citizens living abroad and visiting the US.Acute onset of preexisting condition is available up to the age of 70.
• Travel Medical Choice from Seven Corners: Plan offers a policy maximum of up to $1,000,000 and is available for Non US residents traveling to the US. Acute onset of preexisting condition is available up to the age of 79.
• INF Elite X Insurance from INF: This plan is ideal for parent visiting USA or Canada. Offers medical maximum coverage up to $300,000. Covers Full pre-existing conditions up to 99 years. Minimum enrolment for this plan is 90 days.

There is no one insurance plan that is most expensive. Any comprehensive plan that can offer a policy maximum coverage for up to $1,000,000 can be the most expensive. Here are a few listed for you:

• Atlas Travel plan from Worldtrips: This policy offers a policy maximum of up to $1,000,000 for people up to the age of 65 after which only $50,000 and $100,000 are the options available up to age 79. 80+ travelers are offered $10,000 as policy maximum.
• Patriot America Platinum from the company IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.
• Visitors Protect plan from IMG: offers medical maximum coverage of up to $250,000 for individuals up to 70 years old. For those above 70 years, the maximum coverage is $50,000, and it provides coverage for acute onset of pre-existing conditions up to 99 years. The minimum purchase requirement for coverage is 3 months.
• Safe Travels USA Comprehensive from Trawick International: Plan offers coverage for Non US residents traveling to USA or USa and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available

• Coverage: It is important to see if the plan covers emergency medical evacuation, repatriation and unexpected sickness. Apart from these basic necessary requirements, look if the plan covers acute onset of pre-existing conditions.
• Policy maximum limits: Consider to have higher coverage limits for the benefits to ensure sufficient coverage for the existing conditions in case of severity.
• Deductible: This is an out of pocket expense.Higher deductible leads to lower premiums, but consider an amount that can be afforded without issues.
• Providers: Some policies provide good coverage for people visiting the in Network facilities, which makes it important to be a part of good provider networks and ensure they cover the hospitals near you.

Yes, visitor health insurance plans also known as travel medical insurance plans cover the existing ailments but it is important to read the policy terms and conditions carefully as extent of coverage in each policy can vary.Here are some common factors on which the policies vary with respect to coverage:

• Waiting Period: Some of the plans have a certain specific time period after which they will start their coverage for the existing ailments or pre-existing conditions.
• Only acute onset coverage: Most of the plans which recognize themselves as pre existing condition coverage plan cover only acute onset or sudden recurrence of preexisting conditions.
• Age limits and coverage limits: Some plans specify the amount of coverage available until age 69 or 79 after which the coverage is either not applicable or it is significantly low. Some plans have coverage available for specific existing conditions and they get covered for those specific health conditions.

Here are some of the popular travel medical insurance plans from India to USA with coverage for pre-existing conditions:

• INF Elite X Plan Insurance:

  This plan is a comprehensive plan with policy maximum up to $1,000,000 starting from $150,000 up to the age of 69 and a policy maximum of $75,000 for ages 70 to 99. The deductible options are available up to $5000 starting from $75 for ages 0 to 69 and for ages 70 to 99 the options are available up to $5000 starting from $250. The plan has a minimum enrollment period of 90 days. The plan life maximum duration is 364 days. The plan provides coverage for pre-existing conditions up to $25000 for ages 0 to 69 and $20,000 for ages 70 to 99 with a deductible of $1500.

  The eligible expenses for outpatient, specialist, urgent care and inpatient services are covered for pre-existing conditions and new sickness as well. The plan covers 80% of eligible expenses that are incurred within the Provider Network and 60% for expenses incurred out of the Provider network .For more details, check out the brochure of the plan for ages 0 to 69. Here is another brochure for ages 70 to 99.

• INF Elite Plus X Insurance:

  This plan is a comprehensive plan with policy maximum up to $150,000 up to the age of 69 and a policy maximum of $75,000 for ages 70 to 99. The deductible options are available up to $5000 starting from $100.The plan has a minimum enrollment period of 90 days. The plan life maximum duration is 364 days. The plan provides coverage for pre-existing conditions up to $25000 for ages 0 to 69 and $20,000 for ages 70 to 99 with a deductible of $1500.

  Coverage for preventive care and maintenance is available with this pla where one full routine physical examination is covered. Coverage for FLU vaccines and Tdap is available. The plan covers 80% of eligible expenses that are incurred within the Provider Network and 60% for expenses incurred out of the Provider network. For more details, check out the brochure of the plan for ages 0 to 69. Here is another brochure for ages 70 to 99.

• Safe Vista Comprehensive plan:

  This plan is a comprehensive plan with policy maximum up to $1,000,000 up to the age of 69 starting from $50,000 and a policy maximum of $50,000 and $100,000 for ages 70 to 99. The deductible options are available up to $5000 starting from $0 up to age of 69 and for ages 70 to 99 the options are available from $100 to $5000. The plan provides coverage for acute onset of pre-existing conditions up to the age of 99.

  The plan's maximum life is 364 days. The plan covers 80% of the expenses incurred within the PPO network and 50% of the expenses incurred outside of the PPO Network. For more information, please check this brochure of the plan for ages up to 69 and this brochure for ages 70 to 99.

When choosing the best health insurance for parents visiting USA from India, it is important to consider the following:

• Emergency Medical Expenses: Coverage for medical expenses incurred due to sudden illness or injury during the visit. This may include doctor visits, hospitalization, prescription medications, and emergency medical transportation.
• Emergency Medical Evacuation: If a serious medical condition arises, the insurance may cover the cost of transporting the insured back to their home country for medical treatment.
• Repatriation of Remains: In the unfortunate event of death, the insurance may cover the costs associated with returning the remains to the home country.
• Visitors insurance in USA for parents with Pre-existing Conditions: Some travel insurance for parents over 60 with pre-existing medical conditions offer limited coverage, while others may exclude them. Always check the policy details regarding pre-existing conditions.
• Trip Cancellation or Interruption: Some plans may provide reimbursement for prepaid, non-refundable trip expenses in case the trip is canceled or interrupted for covered reasons, such as a medical emergency.
• Travel Delay: Coverage for additional expenses incurred due to a covered delay, such as accommodation, meals, and transportation.
• Lost or Delayed Baggage: Reimbursement for essential items if baggage is lost, stolen, or delayed during the trip.
• Accidental Death and Dismemberment (AD&D): Coverage for accidental death or loss of limbs or eyesight during the trip.

• The U.S. healthcare system while being the most sophisticated in the world is unfortunately also known for its high costs, making it important to buy the best travel insurance for Indian parents visiting USA
• Understand the maximum coverage limits and deductibles for each plan. Comprehensive travel health insurance for parents visiting USA from India generally offer higher coverage limits but have higher premiums. Deductibles typically range from $0 to $2500
• Be aware of exclusions for pre-existing conditions, some US visitors insurance for parents however do offer limited coverage for the acute onset of pre-existing conditions
• Parents visiting USA insurance can apply for a B-2 Tourist Visa or as a new immigrant on Green Card if eligible.
• Some medical insurance for parents allow policy renewal which is important for parents to extend their stay in the US if needed
• Best medical insurance for parents visiting USA from India are available for seniors at all ages, including above 70, 80 and 90 years
• The medical insurance for parents visiting USA cost varies depending the age, coverage amount, length of stay and type of policy(comprehensive or fixed benefit plan)