What are the best IMG visitor insurance plans for parents visiting the USA?
Bringing your parents to the United States? Choosing the right visitor medical insurance for parents and seniors is essential. Also look for comprehensive coverage for pre-existing conditions.
IMG (International Medical Group) offers a wide range of affordable and flexible insurance plans satisfying most of the needs of visiting parents of all age groups. Below are some of the best IMG travel insurance for parents which includes both comprehensive and fixed benefit insurance to suit different medical insurance needs and budgets.
Patriot America Plus insurance
Patriot America Plus offers excellent comprehensive coverage for parents visiting the USA. It includes coverage for acute onset of pre-existing conditions up to the policy maximum up to the age of 70 years.
- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70
- Policy maximums from $50,000 to $1 million.
- Direct billing through the First HealthCare
or Unitedhealthcare 
- Includes emergency medical, evacuation, repatriation, COVID-19 treatment
- Coverage from 5 days to 364 days and renewable up to 2 years
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 12 months
The Visitors Care series by IMG offers affordable travel medical insurance for parents visiting the USA, available in three tiered options: Lite, Plus, and Platinum. It is one of the cheapest US travel insurance for parents who need basic coverage during their stay.
- Coverage limits vary by tier, up to $100,000, depending on age and plan level.
- Includes limited coverage for acute onset of pre-existing conditions up to 70 years.
- Offers access to the First healthcare network or United HealthCare .
- Coverage from 5 days to 364 days and renewable up to 2 years.
Policy maximum?
$25,000, $50,000, $100,000Deductible options?
$0, $50, $100Period of coverage?
5 days to 2 years
Visitors Protect insurance
Visitors Protect by IMG is one of the best comprehensive travel insurance plans for parents with pre-existing conditions, offering coverage for travelers up to 99 years old. It provides extensive protection for both acute onset and pre-existing conditions, making it ideal for parents with chronic health issues visiting the USA.
- Policy maximums from $50,000 to $250,000.
- Pre-existing conditions covered up to 99 years.
- Emergency medical evacuation covered up to $25,000 policy maximum.
- Coverage available from 90 days to 12 months.
- Direct billing through First healthcare network or Unitedhealthcare .
- Care Clix consultation is a new benefit that allows you to consult with a doctor via video chat, mobile app, or phone for non-emergency issues.
Policy maximum?
$50,000, $100,000, $250,000, $500,000 $1,000,000Deductible options?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
15 days to 365 days
Visitors Preferred insurance
Visitors Preferred is a flexible travel medical insurance for parents visiting the United States. This plan allowing families to customize coverage based on their needs and budget an ideal choice for protecting parents during their stay in the U.S.
- Policy maximums from $50,000 to $1,000,000.
- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- Emergency medical evacuation covered up to $1,000,000 policy maximum.
- Coverage available from 5 days to 364 days and it is renewable up to 2 years.
- Direct billing through First healthcare network or United HealthCare .
- Border entry protection covered up to $500 maximum limit.
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000Deductible options?
$0, $100, $250, $500, $1,000 $2,500Period of coverage?
5 days to 12 months
Patriot America Platinum insurance
Patriot America Platinum is a premium travel medical insurance plan designed for parents and senior travelers visiting the USA. It offers high coverage limits up to $8 million and is ideal for parents seeking maximum protection.
- Policy maximums from $1,000,000 to $8,000,000.
- Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- Emergency medical evacuation covered up to policy maximum.
- Coverage from 5 days to 364 days and renewable up to 3 years.
- Direct billing through First healthcare network or Unitedhealthcare .
Policy maximum?
$1,000,000, $2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000Period of coverage?
15 days to 365 days
How to choose the best IMG travel insurance for Parents visiting USA?
Determine the reason for your parents' visit:
Whether your parents are visiting you in the USA for an extended stay, attending a family event, or coming for a short vacation, choose a plan designed specifically for senior travelers. Options like Patriot America Plus, Visitors Care, or Visitors Protect offer coverage suited for older age groups with varying health needs.
Check if they have any existing health insurance:
Most Indian or international insurance policies do not cover U.S. healthcare, which can be extremely expensive. Choose a plan with comprehensive medical benefits, emergency medical evacuation, and ideally, acute onset of pre-existing condition coverage.
Consider their age and health conditions:
For parents under age 70, plans like Patriot America Plus, Visitors Care and Visitors Preferred offer benefits for acute onset of pre-existing conditions.
For parents above 70, look for options like Visitors Protect, which are designed to accommodate chronic or pre-existing issues up to 99 years.
Understand the coverage type – Fixed vs Comprehensive:
If you want basic protection with lower premiums, fixed-benefit plans like Visitors Care may be sufficient.
If you want broader, more reliable protection with PPO access and higher coverage limits, choose comprehensive plans like Patriot America Plus, Visitors Preferred, Visitors Protect and Patriot Platinum
Check for visa-specific benefits:
Some plans, like Visitors Preferred, include border entry protection (up to $500), which can help if your parents face issues at immigration or airport entry.
Choose coverage that fits your budget and trip length:
Most plans allow you to select the policy maximum, deductible, and coverage length, so you can match your parents' stay duration and financial preferences. Consider longer coverage if there's a chance of extending their visit.
How much does IMG travel insurance cost for parents visiting the USA?
The cost of IMG travel insurance for parents starts from $30. The cost can vary depending on several key factors such as the traveler’s age, plan type, policy maximum, and deductible.
In the table below, the monthly premium is shown for each plan and age group. All quotes reflect one month of coverage, except for Visitors Protect, which is calculated based on a 3-month minimum duration, as required by the plan
| Plan Name | Policy Maximum | Deductible | Age 50 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Visitors Care insurance | $25,000 | $100 | $30 | $40 | $69 |
| Patriot America Lite insurance | $50,000 | $250 | $153 | $252 | |
| Visitors Preferred insurance | $50,000 | $250 | $127 | $148 | $253 |
| Patriot America Plus insurance | $50,000 | $250 | $128 | $164 | $289 |
| Patriot America Platinum insurance | $1,000,000 | $250 | $248 | $330 | $624 |
| Visitors Protect insurance | $50,000 | $250 | $742 | $1,061 | $2,550 |
How does IMG ensure comprehensive visitor health insurance coverage for parents?
IMG aims to provide comprehensive visitor insurance for parents to USA through several key features and plan options, particularly with their IMG plans and higher-tier comprehensive options.
Here's how they ensure this, focusing on what "comprehensive" means in this context for parents:
High Sum Insured Options
- Significant coverage limits: IMG offers various plans, like Patriot America Plus, Patriot Platinum, and Visitors Care. These plans come in different tiers (e.g., Gold, Platinum, etc., or varying maximum limits like $50,000 to $8,000,000). Higher tiers typically offer more extensive coverage and higher maximums.
- Policy maximums: For parents, especially when traveling to the USA where healthcare costs are exorbitant, higher policy maximums (e.g., $250,000, $500,000, or $1,000,000+) are crucial for comprehensive protection against catastrophic medical events.
- Comprehensive coverage: For parents, IMG offers the option of purchasing comprehensive policies with benefits for covered medical expenses up to the plan maximum. This is a significant factor in comprehensive coverage. Without limits, the entire chosen sum insured can be utilized for any eligible medical expense (e.g., room rent, surgery, diagnostic tests), rather than being fixed at smaller, pre-defined amounts for individual services. This prevents situations where the overall policy maximum is high, but you still pay out-of-pocket because a specific treatment exceeded its fixed limit.
Coverage for Acute Onset of Pre-existing Conditions
Critical for seniors: This is perhaps the most vital aspect of "comprehensive" coverage for parents. IMG offers coverage for pre-existing conditions. Many IMG plans, particularly the "comprehensive" ones like Patriot America Plus and Patriot Platinum, offer coverage for the acute onset of pre-existing conditions.
Examples of Coverage:
- Patriot America Plus: Provides up to the maximum policy limit for acute onset of non-chronic pre-existing conditions for individuals below age 70.
- Patriot Platinum: Provides up to the maximum policy limit for acute onset of non-chronic pre-existing conditions for individuals below age 70.
- Visitors Protect: Offers coverage for pre-existing conditions up to 99 years.
Extensive medical benefits included
IMG comprehensive insurance for parents typically cover a wide array of medical contingencies:
- Accident & sickness medical expenses: Including doctor visits, hospitalization, and outpatient care
- Emergency medical evacuation: Covers costs to transport a patient to the nearest qualified medical facility
- Repatriation of remains: In the unfortunate event of death, costs of returning remains to the home country
- Emergency dental treatment: For sudden pain or injury
- COVID-19 coverage: Many IMG plans include treatment coverage for COVID-19, treated like any other illness
Special provisions for senior citizens
- Higher age eligibility if any: Many IMG plans offer coverage for senior travelers up to age 99 years. This makes IMG a suitable choice for older parents and grandparents visiting the USA.
Access to assistance and cashless facilities
- 24/7 Global assistance: IMG offers round-the-clock emergency support services, including help with hospital admission, translation, and medical advice.
- Cashless hospitalization: For treatments within IMG’s PPO network, many hospitals offer direct billing — meaning you won’t need to pay upfront and file for reimbursement later.
- PPO network: IMG uses UnitedHealthcare and First HealthCare PPO networks, giving access to thousands of hospitals, urgent care centers, and doctors across the U.S.
IMG visitor health insurance for Indian parents visiting the USA - FAQs
1. Which IMG travel insurance plans are suitable for parents visiting the USA?
IMG offers several plans tailored for parents, including Visitors Care (affordable fixed-benefit insurance), Patriot America Plus (comprehensive coverage for acute onset of pre-existing conditions), Patriot Platinum (high-limit premium insurance protection), and Visitors Protect, which offers pre-existing condition coverage for travelers up to 99 years old.
2. Why should I consider IMG if my parents already have insurance from their home country?
Most international or domestic health policies do not cover medical treatment in the U.S. IMG provides specialized travel medical insurance with coverage for emergencies, hospitalization, urgent care, and medical evacuation—all essential in the U.S. healthcare system.
3. Does IMG offer plans that cover pre-existing conditions for parents?
Yes, IMG offers multiple plans that provide coverage for pre-existing conditions, especially for parents visiting the USA:
- Patriot America Plus – Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70.
- Visitors Protect – Offers comprehensive pre-existing condition coverage for travelers up to age 99.
- Patriot Platinum – Includes acute onset coverage of pre-existing conditions for those under age 70, with higher policy limits.
- Visitors Care – Provides limited acute onset coverage for pre-existing conditions, ideal for budget-conscious travelers.
4. What are the options if I want a low-cost IMG plan for my parents?
Visitors Care is one of the cheapest fixed-benefit US visitor insurance with lower premiums, suitable for shorter stays and parents in generally good health. It covers basic medical expenses at set limits per service.
5. What if I want more comprehensive coverage through IMG for my parents?
Choose Patriot America Plus or Patriot Platinum. These comprehensive plans offer higher policy limits, broader benefits, and access to the UnitedHealthcare PPO network, reducing out-of-pocket expenses.
6. Does IMG offer any protection related to U.S. entry issues for parents?
Yes. Visitors Preferred insurance includes border entry protection up to $500, which can assist if your parents are denied entry into the U.S. for certain covered reasons.
7. Can I customize IMG coverage for my parents based on their needs and budget?
Absolutely. IMG allows you to choose the coverage duration, policy maximum (up to $8 million), and deductible amount (as low as $0) based on what best suits your parents.
8. Are there any age limitations or restrictions on IMG plans for parents?
Most IMG plans are available for senior travelers up to age 99, but benefits and coverage options may reduce for travelers over 70. Always review age-specific limitations before purchasing.
9. How can I purchase an IMG travel insurance plan for my parents?
You can purchase an IMG travel insurance plan—such as Patriot America Plus, Visitors Protect, or Visitors Care —for your parents easily through American Visitor insurance. Just enter their travel details to compare plans, get quotes, and complete the purchase online. The policy documents are instantly emailed once the payment is completed.