International visitors insurance for Chinese parents to USA
When considering visitors insurance for Chinese parents traveling to the USA, there are several key factors to consider, such as age, medical conditions, and the level of coverage needed. While visitor insurance is not mandatory for those on a US tourist visa also known as B-2 visa, it is highly recommended due to the high cost of healthcare in the U.S., as domestic health plans from China are typically not accepted in the U.S.
This insurance provides financial protection against unexpected medical expenses, including hospitalization, doctor visits, and emergency care.
Plans like Patriot America Plus and Atlas America offer various options tailored for visitors, including coverage for acute onset of pre-existing conditions.
It's advisable to choose a comprehensive plan with high policy maximums and manageable deductibles to ensure sufficient coverage throughout their stay. American Visitor Insurance offers many options for Chinese visitors who travel from China to USA. Get the best visitors insurance for Chinese parents to USA at an affordable price.
Chinese parents visiting USA insurance requirements
Visa Requirements
- B-2 Tourist Visa: Chinese parents typically need to apply for a B-2 tourist visa to visit the USA. This involves filling out the visa application form (DS-160), paying the visa fee, and scheduling an interview at the nearest U.S. embassy or consulate.
- Passport Validity: Their passport must be valid for at least six months beyond their intended stay in the USA and should have at least two blank visa pages.
- ESTA for Visa Waiver Program: If they hold a valid 10-year B1/B2 visa, they must enroll in the Electronic Visa Update System (EVUS) before traveling. This enrollment is mandatory for entry into the U.S.
Travel Insurance from China to USA
While visitor insurance is not legally required, it is highly recommended due to the high cost of healthcare in the USA for covering medical expenses during the stay.
- Duration of Stay: It’s advisable to purchase visitor medical insurance that covers the entire duration of their stay to avoid any gaps in coverage.
- Pre-existing Conditions: Also look for insurance plans that offer coverage for acute onset of pre-existing conditions, as older travelers may have existing health issues.
Are there any specific plans recommended for Chinese Parents visiting USA?
When selecting visitor insurance for Chinese parents traveling to the USA, several plans are particularly well-suited to meet their needs. Here are some recommended options based on coverage, affordability, and benefits:
Patriot America Plus insurance
- Coverage: Up to $1 million
- Deductibles: Options from $0 to $2,500
- Benefits: Covers hospitalization, emergency room visits, urgent care, and acute onset of pre-existing conditions. This plan is ideal for short-term visitors and offers renewable coverage for up to 24 months.
- Cost: Approximately $73/month for a 45-year-old with a $50,000 plan and a $250 deductible.
Visitors Care insurance
- Coverage: Ranges from $25,000 to $100,000
- Deductibles: Options of $0, $50, or $100 (varies by age)
- Benefits: Includes coverage for hospitalization, emergency care, doctor visits, prescription drugs, and COVID-19 related expenses. It also covers non-chronic acute onset of pre-existing conditions.
- Cost: Starting at around $31/month for a 45-year-old with a $50,000 plan.
Safe Travels USA Comprehensive insurance
- Coverage: Up to $1 million
- Deductibles: Options from $0 to $5,000
- Benefits: Provides extensive medical coverage including hospitalization and emergency services. It also covers acute onset of pre-existing conditions.
- Cost: Approximately $96 to $176 per month depending on the selected deductible.
Atlas America insurance
- Coverage: Up to $2 million
- Deductibles: Options from $0 to $5,000
- Benefits: Comprehensive medical coverage including hospitalization and emergency services. It also includes coverage for acute onset of pre-existing conditions.
- Cost: Ranges from about $116 to $235 depending on age and coverage limits.
Diplomat America insurance
- Coverage: Up to $1 million
- Deductibles: Options available from $0 to $5,000
- Benefits: Offers comprehensive medical coverage but does not have a PPO network. It is suitable for travelers looking for flexibility in providers.
- Cost: Approximately $155 to $266 based on age and selected benefits.
How do I choose the right plan for Chinese parents visiting USA?
When selecting a plan for Chinese medical insurance for parents visiting the US , consider the following factors such as:
- Coverage Limits: Opt for a plan with high maximum coverage limits, ideally between $50,000 and $1 million. Given the high costs of healthcare in the U.S., a low limit can be quickly exhausted in case of serious medical issues.
- Deductibles: Understand the deductible options available. A higher deductible may lower premium costs but will increase out-of-pocket expenses when seeking care. Choose a deductible that balances affordability with potential medical needs.
- Pre-existing Conditions: Look for plans that offer coverage for acute onset of pre-existing conditions, especially important for older travelers who may have existing health issues. Some plans provide limited coverage for such conditions, which can be crucial during their visit.
- Duration of Coverage: Ensure the insurance covers the entire duration of their stay in the U.S. Plans typically range from 5 days to 2 years, so select one that aligns with their travel itinerary.
- Type of Coverage: Consider whether a comprehensive plan or a fixed benefit plan is more suitable. Comprehensive plans generally cover a wider range of medical expenses without predefined limits, while fixed benefit plans have set amounts for specific services.
- Emergency Assistance: Choose a plan that offers 24/7 emergency assistance services to help navigate any medical emergencies or claims processes while in the U.S.
- Network of Providers: Check if the insurance plan has a network of preferred providers (PPO) in the U.S., which can simplify billing and reduce upfront costs during medical visits.
Best visitors insurance for Chinese parents to USA – FAQ’s
1. Is visitor insurance required for my Parents?
While Visitors insurance for Chinese parents to USA is not legally required for travelers on a B-2 tourist visa, it is highly recommended. Your domestic health insurance from China is generally not accepted or provide coverage in the U.S., making visitor insurance essential for accessing necessary medical treatment without incurring high costs.
2. Why do Chinese parents need visitor insurance when traveling to the US?
The cost of healthcare in the US is significantly high, and without travel insurance for Chinese parents to USA, even minor medical issues can lead to substantial expenses. Visitor insurance in USA for parents provides essential coverage for medical emergencies, ensuring that travelers can receive necessary care without financial burden.
3. How can Chinese parents purchase travel insurance to USA?
Chinese parents visiting USA can be purchased online through the marketplace that allow comparisons between different plans from U.S. based companies on American Visitor Insurance. This makes it easy to find a policy that fits their specific needs and budget.
4. Is visitors insurance USA recommended for short visits?
Yes, visitors insurance USA is highly recommended for short visits to the USA, especially for international travelers, including Chinese parents. The U.S. has some of the highest healthcare costs in the world, and without insurance, even minor medical issues can lead to significant financial burdens. Visitor insurance provides essential coverage for unexpected medical emergencies, hospitalizations, and other healthcare needs during their stay.
Different types of US Visitors travel insurance
Fixed Benefit travel insurance
A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
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Find the best reliable 6 month USA travel insurance for Seniors
What is the travel insurance for a 87 years old senior who has had a heart surgery travelling to USA?
Hi
Please can you get me the different options for a 87 year old Chinese traveling to USA for 1 month. He has had heart by-pass surgery in 2022. Please can you get me the different options including details of what pre-existing is covered.
Thank you
Gopal
Dear Gopal,
Here are details of available US travel insurance for pre-existing conditions. Most of the comprehensive plans provide only $10,000 or $20,000 as policy maximum for this age. There are fixed benefit plans which provide higher policy maximums of $50,000 or $100,000. We have put down a list of plans with the best possible options for your requirements.
Here are the suitable Pre-exiting conditions travel insurance:
Visit USA Standard plan: This is a comprehensive plan from Travel Insurance Services and provides a policy maximum coverage of $20,000. This plan comes under the PPO network of First Health and United HealthCare and provides coverage of 100% for eligible expenses within the PPO network. This plan costs $404.60 for a policy maximum of $20,000 with a deductible of $250 for 1 month for your visitor. This plan provides coverage for acute onset of pre-existing conditions.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
Visit USA Standard insuranceVisit USA Superior: This is another variant of the Standard plan mentioned above and is a comprehensive plan from Travel Insurance Services and provides a policy maximum coverage of $20,000. This plan comes under the PPO network of First Health and United HealthCare and provides coverage of 100% for eligible expenses within the PPO network. This plan costs $680.60 for a policy maximum of $20,000 with a deductible of $250 for 1 month for your visitor. This plan provides coverage for acute onset of pre-existing conditions.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
Visit USA Superior insuranceSafe Travels Elite plan: This is a Fixed plan from Trawick International and provides a policy maximum of $100,000. This plan comes under First Health PPO network. This plan covers acute onset of pre-existing conditions. This plan costs $661.50 for a policy maximum of $100,000 with a deductible of $200.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
Safe Travels Elite insuranceSafe Travels Advantage from Trawick International: This is a Fixed plan from Trawick International and provides a policy maximum of $100,000. This plan comes under First Health PPO network. The plan pays 80% of preferred allowance within the network and 80% of plan maximum for expenses incurred out of network. This plan covers acute onset of pre-existing conditions. This plan costs $690 for a policy maximum of $100,000 with a deductible of $0.
Here is the plan details, brochure and BUY link of this plan where you can get quote and purchase the plan online:
Safe Travels Advantage insurancePlease let us know in case of any questions
Regards,
Customer carewww.americanvisitorinsurance.com
phone(877) 340 7910
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