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 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.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500
Period 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.
Policy maximum?
$25,000, $50,000, $100,000
Deductible options?
$0, $50, $100
Period of coverage?
5 days to 2 years
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 maximum?
$50,000, $100,000, $250,000, $500,000 $1,000,000
Deductible options?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage?
15 days to 365 days
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 maximum?
$50,000, $100,000, $500,000, $1,000,000
Deductible options?
$0, $100, $250, $500, $1,000 $2,500
Period of coverage?
5 days to 12 months
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 maximum?
$1,000,000, $2,000,000, $5,000,000, $8,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Period of coverage?
15 days to 365 days
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.
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.
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.
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
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.
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.
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 |
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:
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:
IMG comprehensive insurance for parents typically cover a wide array of medical contingencies:
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.
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.
Yes, IMG offers multiple plans that provide coverage for pre-existing conditions, especially for parents visiting the USA:
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.
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.
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.
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.
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.
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.